Terms & Conditions

Before using the site it is recommended that you carefully read the important information detailed below. Please read these terms and conditions carefully as by using the site you indicate your acceptance of them.

Complaints procedure

In the unlikely event that you have a complaint about us please contact:

Compliance Director
88 Greendale Road
Port Sunlight
Wirral
CH62 4XD

Upon investigating your complaint if you are not satisfied with our final response, you may then take the complaint to the Financial Ombudsman Service (FOS) but you must do this within 6 months of the date of our final response or you may lose your right to do so.

The contact details for FOS are shown below:

The Financial Ombudsman Service
Exchange Tower
1 Harbour Exchange Square
London
E14 9SR

Tel: 0800 023 4567

Website: www.financial-ombudsman.org.uk

Copyright

All rights including copyright in the contents of these web pages and any photographs displayed on this website from time to time are owned and controlled for these purposes by FPC Financial Services Ltd logos are the property of FPC Financial Services Ltd. Any reproduction of the whole or any part of these web pages is strictly forbidden unless consent in writing is first obtained from FPC Financial Services Ltd. Nothing in the aforesaid in any way confers on you any licence or rights under any trademarks, names or logos of FPC Financial Services Ltd. Any infringement of the aforementioned rights will be dealt with by using the appropriate legal remedies.

Downloads

Please note that software download is conducted at the user’s own risk. FPC Financial Services Ltd accepts no liability for any problems that may arise as a result of any downloaded software. If you are in any doubt, we recommend that you take specialist advice before downloading.

Incoming Email

FPC Financial Services Ltd cannot guarantee that any e-mail sent to us will be received, or that the contents will remain private during transmission. Other means of correspondence should be utilised if this is of concern to you.

Jurisdiction

The pages of this site are solely for people deemed ordinarily resident in the UK. The content of this website is governed by and interpreted in accordance with English Law.

Outgoing Email

Any email and/or attachments from FPC Financial Services Ltd will be scanned for the presence of computer viruses, but FPC Financial Services Ltd will not accept responsibility for any virus or defect. The email and/or any attachments transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. They may contain legally privileged information, and may not be disclosed to anyone else. If you have received an email in error, please notify the sender immediately and delete all copies from your system.

Privacy Statement

FPC Financial Services Ltd may need to collect and use personal data on this website in order to transact customers’ requests effectively. FPC Financial Services Ltd acknowledge that the proper treatment of personal data is very important to successful transactions as well as ensuring customer satisfaction. Any personal data which we collect, record or use in any way whether it is held on paper, on computer or other media will comply with the Data Protection Act 1998. We endorse and adhere to the Data Protection as set out in the Data Protection Act 1998. These eight principles are:

Fairly and lawfully processed
Processed for limited purposes and not in any other way which would be incompatible with those purposes
Adequate, relevant and not excessive
Accurate and kept up to date
Not kept for longer than is necessary
Processed in line with the data subject’s rights
Kept secure
Not transferred to a country which does not have adequate data protection laws.
When we collect any personal data from you, we will inform you of why we are collecting your data and what we intend to use it for. We may need to pass your details to another company outside of FPC Financial Services Ltd purely to transact your requests effectively, however, your data will not be passed outside of FPC Financial Services Ltd for any other purpose.

Purpose of Site

No section or content of this website may be deemed as advice. The purpose of the site is to provide generic information. If you require individual advice, you should contact us so that we can fully assess your circumstances and needs before advice can be given.

Registered Details

FPC Financial Services Ltd, is authorised and regulated by the Financial Conduct Authority. FCA number 196444. Registered in England and Wales No: 2102893. Registered Office: 88 Greendale Road, Port Sunlight Wirral CH62 4XD. This site is intended for UK residents only.

Site Content

FPC Financial Services Ltd reserves the right to remove or amend any of the content which appears on any page of this site, including any important information, at any time and without notice. Where changes to the important information are made, your continued usage of the site will signify your acceptance of any revisions.

FPC Financial Services Ltd uses all reasonable skill and care in compiling the information on this site. However, errors or omissions in the information may occur because of a number of factors, which are inherent in any internet access system and are not within FPC Financial Services Ltd reasonable control.

For example, unauthorised access to this service, or the effects of machine, software or operator error or malfunction in connection with data transmission. This service is accurate only on the date that such information is supplied by FPC Financial Services Ltd via its internet service.

Whilst FPC Financial Services Ltd has endeavoured to ensure that all the information within this website is factually correct, clear, fair and not misleading, FPC Financial Services Ltd accept no responsibility for the content of this website. Consequently, will not accept any liability for any loss or damage howsoever caused as a result of a genuine errors or omissions on the site.

Cookies

This site uses cookies – small text files that are placed on your machine to help the site provide a better user experience. In general, cookies are used to retain user preferences, store information for things like shopping carts, and provide anonymised tracking data to third party applications like Google Analytics. As a rule, cookies will make your browsing experience better. However, you may prefer to disable cookies on this site and on others. The most effective way to do this is to disable cookies in your browser. We suggest consulting the Help section of your browser or taking a look at the About Cookies website which offers guidance for all modern browsers.

Third party websites

FPC Financial cannot control the contents of any third party website and as such will accept no responsibility for the content, layout or functionality of any other website.

Validity of important information

If any part of our important information section is deemed unenforceable, the remaining information will not be affected.

Intellectual property rights

Unless otherwise stated, we are the owner or the licensee of all copyright, trademarks and other intellectual property in all material on our site (including without limitation text, tools, photographs and graphical images). Those works are protected by copyright laws and other intellectual property rights. All such rights are reserved.

You are granted a limited, non-exclusive, revocable licence to print off one copy, and may download extracts, of any page(s) from our site for your personal use, provided that any such copy has attached to it the relevant proprietary notices and/or disclaimers. You may also draw the attention of others within your organisation to content posted on our site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.

You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

No reliance on information

The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up-to-date.

Limitation of our liability

Nothing in these terms of use excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our site or any content on it, whether express or implied.

We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

Use of, or inability to use, our site
Use of or reliance on any content displayed on our site
If you are a business user, please note that in particular, regardless of whether any of these losses are a direct, or indirect or consequential result of our default, we will not be liable for:

  • Loss of profits, sales, business, or revenue
  • Business interruption
  • Loss of anticipated savings
  • Loss of business opportunity, goodwill or reputation
  • Any indirect or consequential loss or damage
  • If you are a consumer user, please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any content on it, or on any website linked to it.

We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them. Please note that the terms of use of such websites may be different from our own.

Different limitations and exclusions of liability will apply to liability arising as a result of the supply of services to you, which will be set out in the relevant Terms and Conditions of Business.

Viruses

We do not guarantee that our site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform in order to access our site. You should use your own virus protection software.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

Linking to our site

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.
You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
You must not establish a link to our site in any website that is not owned by you.
Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.
We reserve the right to withdraw linking permission without notice. In the event that we do so, you must remove any link to our homepage, or site.
If you wish to make any use of content on our site other than that set out above, please contact [email protected]

Third party links and resources in our site

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only.

We have no control over, and accept no responsibility for, the contents of those sites or resources.

FCA Authorisation

FPC Financial Services Ltd is authorised and regulated by the Financial Conduct Authority. The member number is 196444. This information can be verified on the FCA website www.fca.org.uk/ or in writing at 12 Endeavour Square, London E20 1JN.

Content of site

Whilst considerable care has been taken to ensure the information contained within this website is accurate and up-to-date, no warranty is given as to the accuracy or completeness of any information and no liability is accepted for any errors or omissions in such information.

Data protection

FPC Financial Services Ltd takes its data protection and client confidentiality obligations seriously. The business is registered with the Information Commissioner as required by the Data Protection Act, with registered number Z1242183.

If you complete our newsletter request form or register for details of our professional briefings, the information you provide will be stored by us, either electronically or manually. The information will be used principally to provide you with further information on our services.

Occasionally, we may contact you by letter, telephone, e-mail or otherwise to inform you about other products and services which we believe may interest you. If you do not wish to receive this information please contact us at the address below or contact us online

You have a right to request a copy of the personal data we hold about you. If you require a copy please write to Mr David Bowler 88 Greendale Road, Port Sunlight Wirral CH62 4XD. If you believe that the information we hold about you is inaccurate you may write to us and ask us to correct it.