PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS WEBSITE, INCLUDING THE APPLICATIONS WHICH YOU CAN ACCESS VIA THIS WEBSITE (collectively this website and the underlying applications which you can access via this website shall be referred to as "Website"). By using this Website, you signify your assent to these terms of use. If you do not agree to these terms of use, please do not use the Website. PFP Wealth Management LLP reserves the right, in  absolute discretion, to change, modify, add or remove portions of these terms at any time. Please check these terms periodically for changes. You agree and acknowledge that all (a) representations, warranties, indemnities, undertakings and obligations given by you under these terms of use and (b) disclaimers and/or limitations of liability by, and other rights of, PFP Wealth Management LLP under these terms of use shall apply (amended as necessary) to the benefit of, and be enforceable directly by, PFP Wealth Management LLP's contractors and their affiliates (including, without limitation, SEI Investments (Europe) Limited and its affiliates) (each a "Relevant Party") against you, provided that the consent of the Relevant Parties shall not be required to the variation or rescission of these terms of use.

1.    No Warranty

The information (including text, graphics, and functionality) is presented 'As Is' and 'As Available' without express or implied warranties including, but not limited to, implied warranties of non-infringement, title, merchantability, and/or fitness for a particular purpose. PFP Wealth Management LLP expressly disclaims any liability for errors and omissions regarding the information and materials contained in the Website. Due to the nature of the Internet, PFP Wealth Management LLP cannot guarantee the confidentiality, accuracy or completeness of the information contained in this Website, information provided via this Website, or its suitability for any purpose.  PFP Wealth Management LLP may change or suspend the Website from time to time in its absolute discretion. Further, although PFP Wealth Management LLP uses reasonable endeavours to avoid technological problems, PFP Wealth Management LLP is not responsible for any technological problem with the Website (including downtime) or with anyone's use of the Website, and will not be liable for any impact these problems may have on users.  

2.    Copyright

The entire content (including text and 'look and feel' attributes) of this Website is copyrighted by PFP Wealth Management LLP (and its licensors (including, without limitation, SEI Investments (Europe) Limited and its affiliates)) or otherwise constitutes the exclusive confidential and proprietary intellectual property of PFP Wealth Management LLP (and its licensors (including, without limitation, SEI Investments (Europe) Limited and its affiliates)). Any commercial use of such content requires the written permission of PFP Wealth Management LLP, which consent may be withheld in its sole discretion. All rights in such content are hereby reserved.

3.    Viruses

Because of the marked increase in the fabrication and proliferation of computer viruses affecting the Internet, PFP Wealth Management LLP wants to warn you about infections or viral contamination on your system. It is your responsibility to scan any and all downloaded materials received from the Internet or submitted to you via the Website. PFP Wealth Management LLP is not responsible or liable for any damage or loss caused by such hazards.

4.    Linked Websites / Frames / Use

This Website may provide links to other websites for your convenience in locating related information and services. PFP Wealth Management LLP does not maintain any of these other websites and has no control over the organisations that maintain these websites or the information, products, or services these organisations provide. Although PFP Wealth Management LLP believes that the information from these organisations is reliable, it cannot guarantee their accuracy, completeness or suitability for any purpose. Accordingly, PFP Wealth Management LLP expressly disclaims any responsibility for the content of these other websites, the accuracy of the information on these websites and/or the quality of products or services provided by the organisations that maintain them. PFP Wealth Management LLP does not recommend or endorse these organisations or their products or services in any way and access to them is at the user's own risk. You are prohibited from linking to this Website from any other website, from framing any of the materials on this Website, and/or from suggesting any affiliation or endorsement between us, without our prior written authorisation. You may print copies of the material contained in this Website solely for your internal use in connection with the services provided to you by PFP Wealth Management LLP and solely in accordance with these terms and conditions.  You are expressly prohibited from selling; distributing; copying, amending; modifying; posting; transmitting; uploading; or similar action regarding the material in this Website including: graphics; text; content; logos or the like.  Further, you are prohibited from using this Website unlawfully and will be responsible for any and all of your unlawful use of this Website.

5.    Responsibility for Use and Control of Passwords and Your Information

If applicable, by requesting and establishing a personalised password, you will have access to the Website and the tools and information available through this Website and PFP Wealth Management LLP hereby grants you a limited right to use the Website and such tools and information, which right PFP Wealth Management LLP may revoke at any time. You acknowledge that in order to use this Website, you may provide PFP Wealth Management LLP with non-public personal information and other financial information about yourself. In such event, this information will be stored by PFP Wealth Management LLP and available to you through the Website. You hereby represent that you have all required permission to provide PFP Wealth Management LLP with this information and will be solely liable and shall indemnify PFP Wealth Management LLP for any claims that you did not have such authority. You further acknowledge that you are fully responsible for the use of your password, whether authorised by or known by you or not, and the protection of your password and you shall indemnify PFP Wealth Management LLP and hold PFP Wealth Management LLP harmless for any claims related to any unauthorised access or use of the Website or other PFP Wealth Management LLP systems, including, without limitation, any claim related to the unauthorised access, use or theft of your personal information through the use of your password.

You agree to immediately notify PFP Wealth Management LLP if you become aware of any of the following: (a) loss or theft of your password; (b) unauthorised use of your password or any unauthorised use of this Website; and (c) any other information which you believe compromises the security of your personal information available through this Website.

6.    Online Fraud Advisery

PFP Wealth Management LLP will never send emails that require customers to send personal information to it via email, website link or pop-up windows. Any unsolicited request for PFP Wealth Management LLP Account information you receive through emails, websites, or pop-up windows should be considered fraudulent.

Online fraud occurs when someone poses as a legitimate company to obtain sensitive personal data and then illegally conducts transactions on your existing Accounts. Often called "phishing" or "spoofing," the most pervasive methods of online fraud are emails, counterfeit websites and pop-up windows, or any combination of these.

Fraudulent emails often:

To help protect yourself from these fraudulent emails and websites:

7.    Changes to Website

PFP Wealth Management LLP may change the Website or update material without notice.  While PFP Wealth Management LLP may make reasonable efforts to keep the site information accurate, PFP Wealth Management LLP is not obligated to update or correct information within any specified time period.  PFP Wealth Management LLP is not responsible for information provided by third parties, whether the information is part of this Website, is in any linked website, or is information about us that is provided on any website other than this one. 

8.    Privacy

Please refer to our Privacy Policy

9.    Limitation of Liability

To the extent permitted by law, under no circumstances, including, but not limited to, where PFP Wealth Management LLP has been negligent, shall PFP Wealth Management LLP be liable for any direct or indirect, incidental, special or consequential damages that result from the use of, or the inability to use, the materials in this Website, even if it or its authorised representatives have been advised of the possibility of such damages. In no event shall PFP Wealth Management LLP's total liability to you for all damages, losses, and causes of action (whether in contract, tort or otherwise) exceed the amount paid by you, if any, for accessing this Website. You are solely responsible for your decision to use (and use of) this Website. You shall indemnify and hold PFP Wealth Management LLP harmless from and against any and all claims, damages, liability and/or costs relating to your or your agents' use of this Website.

10.  Jurisdiction

All disputes arising out of or in connection with any contractual or non-contractual obligations arising from or connected with these terms of use will be governed by and shall be construed in accordance with the laws of England and Wales. The parties hereby irrevocably submit to the exclusive jurisdiction of the English courts over any claim or dispute arising from, or related to, use of the Website (whether arising out of or in connection with contractual or non-contractual obligations) and it is a condition of using the Website that you waive any objection to proceedings in such courts on the grounds of venue or that proceedings have been brought in an inconvenient forum, although PFP Wealth Management LLP retains the right to bring proceedings against you for breach of these terms of use in your country of residence or any other relevant country. 

11.  Age and Responsibility

You represent that you are of sufficient legal age to use this Website and to create binding legal obligations for any liability you may incur as a result of the use of this Website. You agree that you are financially responsible for all uses of this Website by you and those using your login information.

12.  Termination of Access

PFP Wealth Management LLP reserves the right to terminate, without prior notice to you, your access to this Website in our sole discretion, including without limitation, for overuse or abuse of this Website.

13.  Investment Information

PFP Wealth Management LLP is registered in the United Kingdom with registration number OC330707 and has its registered office at 3 Windsor Court, Clarence Drive, Harrogate, North Yorkshire HG1 2PE, telephone number 01423 523311. PFP Wealth Management LLP is authorised and regulated by the Financial Conduct Authority of the United Kingdom.

Please note that this Website is designed for UK investors only and by proceeding this far you are representing and warranting that you are resident for tax and investment purposes in the United Kingdom.  The distribution of the information contained on this website in certain countries may be restricted by law and accordingly, persons who access it are required to inform themselves and to comply with any such restrictions.  This information does not constitute an offer or solicitation in any jurisdiction in which such an offer or solicitation is not authorised or to any person to whom it is unlawful to make such an offer or solicitation.

Access to this Website is restricted or requires possession of a valid password. No other person should attempt to gain access to this Website. 

Persons interested in acquiring any investment should inform themselves as to: (i) the legal requirements within the countries of their nationality, residence, ordinary residence or domicile for such acquisition; (ii) any foreign exchange control requirement which they might encounter on the acquisition or sale of investments; and (iii) the income tax and other tax consequences which might be relevant to the acquisition, holding or disposal of any investment.

Investors should remember that the price of investments can go down as well as up as a result of market conditions, changes in the value of any underlying securities and currency movements.  Past performance may not a guide to future performance. Past performance may not be repeated and investors may not get back the full amount (or any) of their investment.

Tax assumptions may change if the law changes, and the value of tax relief (if any) will depend upon your individual circumstances. Investors should consult their own tax advisers in order to understand any applicable tax consequences.

Any investment decision should be made having read fully not only any relevant application forms but also the relevant terms and conditions and any other documentation applicable to the chosen product.  These relevant documents may be found on and printed from this Website or otherwise made available to investors by PFP Wealth Management LLP on request.

You should obtain relevant and specific professional advice before making any decision to enter into an investment transaction. PFP Wealth Management LLP does not provide investment advice but may refer clients to an affiliate PFP Wealth Planning LLP..

14.  Product Specific Information

Certain information on this Website will constitute a financial promotion for the purposes of the Financial Services and Markets Act 2000 of the United Kingdom (the "Act") and the rules of the Financial Conduct Authority of the United Kingdom ("FCA").

To the extent any information contained in this website relates to any fund ("Fund") (the "Fund Information") that is not a recognised collective investment scheme for the purposes of the Act, investors should be aware that the promotion of any such Fund and the distribution of Fund Information in the United Kingdom is restricted by law. The Fund Information contained on this website is being issued to and/or is directed only at persons who are of a kind to whom any such Fund may lawfully be promoted by a person authorised under the Act (an "authorised person") by virtue of Section 238(6) of the Act and The Financial Services and Markets Act 2000 (Promotion of Collective Investment Schemes) (Exemptions) Order 2001 (including other authorised persons, certain persons having professional experience of participating in unrecognised collective investment schemes, high net worth companies, high net worth unincorporated associations or partnerships, the trustees of high value trusts and certified sophisticated investors) or Section 4.12 of the FCA's Conduct of Business Sourcebook ("COBS") (including persons who are professional clients or eligible counterparties for the purposes of COBS).

In order to qualify as a certified sophisticated investor a person must i) have a certificate in writing or other legible form signed by an authorised person to the effect that he is sufficiently knowledgeable to understand the risks associated with participating in unrecognised collective investment schemes and ii) have signed, within the last 12 months, a statement in a prescribed form declaring, amongst other things, that he qualifies as a sophisticated investor in relation to such investments.

The Fund Information is exempt from the scheme promotion restriction (in Section 238 of the Act) on the communication of invitations or inducements to participate in unrecognised collective investment schemes on the grounds that it is being issued to and/or directed at only the types of person referred to above. Interests in the relevant Fund are only available to such persons and the Fund Information must not be relied or acted upon by any other persons.

Any recipient of the Fund Information who is an authorised person may (if and to the extent it is permitted to do so by the FCA rules applicable to it) distribute it or otherwise promote the Fund in accordance with Section 238 of the Act but not otherwise. Any recipient of the Fund Information who is not an authorised person may not distribute it to any other person.

15.  Feedback

While PFP Wealth Management LLP appreciates hearing from our valued customers, to avoid any misunderstandings, please understand that anything that you send to us, including ideas, suggestions, proposals, etc., will become our property without any right of compensation and you hereby waiver any claim therefore.

This website is maintained and this information is issued by PFP Wealth Management LLP (FCA #: 473710), 3 Windsor Court, Clarence Drive, Harrogate, North Yorkshire HG1 2PE. PFP Wealth Management LLP is authorised and regulated by the Financial Conduct Authority ("FCA"). If you would like further information about the FCA, you can access their website at www.fca.org.uk.

Any products and services and those of any other affiliates of PFP Wealth Management LLP are subject to the terms and conditions and disclaimers of the applicable agreement governing their use. This notice is to be read by the user together with any terms, conditions and disclaimers provided in the pages of this Website.

The information, material and content provided in the pages of this website may be changed at any time without notice. The contents of this site may not be accurate at time of user access.

This site is targeted at, and intended for the use of, UK residents only. This website is not directed to any person in any jurisdiction where (by reason of that person's nationality, residence or otherwise) the publication or availability of this material is prohibited. Persons in respect of whom such prohibitions apply must not rely on this information in any respect whatsoever.