{"id":41,"date":"2023-10-05T09:33:50","date_gmt":"2023-10-05T09:33:50","guid":{"rendered":"https:\/\/ls.universalwebdevelopment.co.uk\/?page_id=41"},"modified":"2023-10-09T12:37:59","modified_gmt":"2023-10-09T12:37:59","slug":"terms-conditions","status":"publish","type":"page","link":"https:\/\/ls.universalwebdevelopment.co.uk\/index.php\/terms-conditions\/","title":{"rendered":"Terms &#038; Conditions"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Header&#8221; _builder_version=&#8221;4.16&#8243; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_stops=&#8221;rgba(0,19,46,0.6) 0%|rgba(0,19,46,0.6) 100%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_color_gradient_start=&#8221;rgba(0,19,46,0.6)&#8221; background_color_gradient_end=&#8221;rgba(0,19,46,0.6)&#8221; background_image=&#8221;https:\/\/ls.universalwebdevelopment.co.uk\/wp-content\/uploads\/2023\/10\/financial-advisor-46.jpg&#8221; custom_padding=&#8221;||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.22.2&#8243; header_font=&#8221;Darker Grotesque|900|||||||&#8221; header_font_size=&#8221;100px&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;760px&#8221; custom_margin=&#8221;||||false|false&#8221; hover_enabled=&#8221;0&#8243; header_font_size_tablet=&#8221;70px&#8221; header_font_size_phone=&#8221;60px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h1>Terms &amp; Conditions\u00a0<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; text_text_color=&#8221;#000000&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>Terms of Use of Website<br \/>Below are our terms for the use of this Website, whether as a guest or a registered user &#8211;<br \/>please read these terms carefully before using this Website.<br \/>These terms are an agreement (&amp;quot;Agreement&amp;quot;) between you and [COMPANY NAME] about<br \/>your use of this Website and the information contained in or available through this Website<br \/>and should be read in conjunction with our privacy policy. If you do not agree to these terms<br \/>in full please leave this Website and do not make use of our services. By remaining on this<br \/>Website and\/or making use of our services you are deemed to accept these terms in full.<br \/>Our terms and our privacy policy are updated from time to time, e.g. to reflect changes in our<br \/>services and this Website. Please return to these terms from time to time and note any<br \/>changes, as they are binding on you. Protecting your privacy is very important to us: please<br \/>review our privacy policy [INSERT HYPERLINK HERE], which explains how we treat your<br \/>personal information and protect your privacy.<br \/>1. Definitions<br \/>1.1 \u201c[DOMAIN NAME]\u201d, \u201cUs\u201d, \u201cOur\u201d and \u201cWe\u201d all refer to this Website, or the owner of it,<br \/>which Website belongs to [COMPANY NAME] (company number [NUMBER]), a<br \/>private company registered in England and Wales with its registered office address at<br \/>[REGISTERED OFFICE ADDRESS], whose main trading address is at [ADDRESS].<br \/>[[TRADING NAME] is a trading name and [un]registered trademark of [COMPANY<br \/>NAME].]<br \/>1.2 \u201cYou\u201d refers to you the visitor and, or customer.<br \/>1.3 \u201cWebsite\u201d means this website at [DOMAIN NAME].<br \/>2. Access to website<br \/>2.1 You can access most parts of this Website without having to register any details with<br \/>us. This includes all articles, guides, news and product information pages within the<br \/>Website. [Access to our customer control panel is only available to registered<br \/>members. Registration is free.]<br \/>2.2 It is for you to make the proper arrangements for you to access this Website. You are<br \/>responsible for ensuring that all persons who access the Website through your Internet<br \/>connection are aware of this Agreement, and that they comply with it.<br \/>2.3 Our Website is intended for people in the United Kingdom. Content available on our<br \/>site may not be suitable or accessible from other countries. We may restrict the<br \/>availability of our Website or our services or goods to any person or country at any<br \/>time without prior notice. If you access our site from outside the United Kingdom, you<br \/>do so at your own risk.<br \/>3. Use of website and services<br \/>3.1 Any material that is available free of charge on this Website you are permitted to use<br \/>for your own personal use, but not for distribution (including sharing or making<br \/>available for use by others by any means, whether free of charge or for payment) or<\/p>\n<p>resale. You promise that you will not resell or otherwise attempt to commercially<br \/>benefit from the Website content.<br \/>3.2 All intellectual property (including without limitation copyright) in this Website and its<br \/>content belongs to us or our licensors and are protected by copyright laws around the<br \/>world. You have permission to print one copy and download extracts of any web<br \/>page(s) from our Website for (a) your personal use and (b) to mention to colleagues in<br \/>your organisation. You do not have permission to use any illustrations, photographs,<br \/>video or audio files separately from any accompanying text. Our status (and that of any<br \/>identified contributors) as the authors of material must always be acknowledged and<br \/>you must not use the material on the Website in a derogatory manner.<br \/>3.3 Otherwise than in accordance with clause 3.1, no part of this Website may be used<br \/>without our prior permission.<br \/>3.4 If, in breach of these terms of use, you print off, copy or download any part of our<br \/>Website, then your right to use our Website and is contents is automatically revoked &#8211;<br \/>you must then immediately destroy any copies you have made of any part of our<br \/>Website.<br \/>3.5 We do not guarantee that our Website will be free from bugs or viruses or protected at<br \/>all times against hacking. You are responsible for setting up your computer to access<br \/>our Website and using appropriate firewall and virus protection software.<br \/>3.6 Our terms and conditions of supply [INSERT HYPERLINK TO WEBSITE TERMS AND<br \/>CONDITIONS OF SUPPLY] will apply if you purchase goods or services from our<br \/>Website.<br \/>4. Site uptime<br \/>4.1 We take all reasonable steps to ensure that this Website is available 24 hours every<br \/>day, 365 days per year. However, websites do sometimes encounter downtime due to<br \/>server and, other technical issues. Therefore we will not be liable if this Website is<br \/>unavailable at any time. We do not guarantee that our Website, or any content on it,<br \/>will be available uninterrupted. Access to our Website is permitted on a temporary<br \/>basis. We may suspend, withdraw, discontinue or change all or any part of our site<br \/>without notice. We will not be liable to you if for any reason our Website is unavailable<br \/>at any time or for any period.<br \/>4.2 This Website may be temporarily unavailable due to issues such as system failure,<br \/>maintenance or repair or for reasons beyond our control. Where possible we will try to<br \/>give our visitors advance warning of maintenance issues, but shall not be obliged to do<br \/>so.<br \/>5. Visitor conduct<br \/>5.1 With the exception of personally identifiable information, the use of which is covered<br \/>under our privacy policy, any material you send or post to this Website shall be<br \/>considered non-proprietary and not confidential. Unless you advise us to the contrary,<br \/>we will be free to copy, disclose, distribute, incorporate and otherwise use such<br \/>material for any and all purposes.<br \/>5.2 When using this Website you must not attempt unauthorised access to our Website,<br \/>the servers on which our Website or database are stored or any servers, computer or<\/p>\n<p>database connected to our site, and you shall not post or send to or from this Website<br \/>any material:<br \/>5.2.1 for which you have not obtained all necessary consents;<br \/>5.2.2 that is discriminatory, obscene, pornographic, defamatory, liable to incite racial<br \/>hatred, in breach of confidentiality or privacy, which may cause annoyance or<br \/>inconvenience to others, which encourages or constitutes conduct that would be<br \/>deemed a criminal offence, give rise to a civil liability, or otherwise is contrary to<br \/>the law in the United Kingdom; or<br \/>5.2.3 which is harmful in nature, including, and without limitation, denial-of-service<br \/>attacks, computer viruses, trojans, worms, logic bombs, corrupted data, or other<br \/>potentially harmful software or data.<\/p>\n<p>5.3 By breaching this provision, you would commit a criminal offence under the Computer<br \/>Misuse Act 1990. We will report any such breach to the relevant law enforcement<br \/>authorities and we will co-operate with those authorities by disclosing your identity to<br \/>them. In the event of such a breach, your right to use our site will cease immediately.<br \/>5.4 We will fully co-operate with any law enforcement authorities or court order requiring<br \/>us to disclose the identity or other details of any person posting material to this<br \/>Website in breach of Paragraph 5.2.<br \/>5.5 If a third party alleges that content posted by you on our site is in breach of their<br \/>intellectual property rights or their right to privacy, we may disclose your identity to<br \/>such third party.<br \/>5.6 We reserve the right to remove any posting you make on our Website for any reason<br \/>and without notice, but particularly if your post does not comply with these terms of<br \/>use.<br \/>6. Your account and password<br \/>6.1 If you choose, or you are provided with, a user log-in or password as part of our<br \/>security procedures, you must keep such information confidential.<br \/>6.2 If in our reasonable opinion you have breached these terms of use, then we may<br \/>disable any user log-in or password at any time.<br \/>6.3 If you suspect anyone else knows your user log-in or password, you must promptly<br \/>notify us at [EMAIL ADDRESS]. You can also use this email address if you have<br \/>problems with logging in or access.<br \/>7. Links to and from other websites<br \/>7.1 Any links to third party websites located on this Website are provided for your<br \/>convenience only. We have not reviewed each third party website and have no<br \/>responsibility for such third party websites or their content. We do not endorse the third<br \/>party websites or make representations about them or any material contained in them.<br \/>If you choose to access a third party website linked to from this Website, it is at your<br \/>own risk. We will not be liable for any loss or damage that may arise from your use of<br \/>them.<br \/>7.2 If you would like to link to this Website, you may only do so on the basis that you link<br \/>to, but do not replicate, any page on this Website, and subject to the following<br \/>conditions:<\/p>\n<p>7.2.1 you do not in any way imply that we are endorsing any services or products<br \/>unless this has been specifically agreed to by us in writing;<br \/>7.2.2 you do not misrepresent your relationship with us or present any false<br \/>information about us;<br \/>7.2.3 you do not link from a website that is not owned by you; and<br \/>7.2.4 your website does not contain content that is offensive, controversial, infringes<br \/>any intellectual property rights or other rights of any other person or does not<br \/>comply in any way with the law in the United Kingdom.<\/p>\n<p>7.3 If you choose to link to our Website in breach of Paragraph 7.2 you shall fully<br \/>indemnify us for any loss or damage suffered as a result of your actions.<br \/>8. Disclaimer and exclusion of liability &#8211; please read carefully<br \/>8.1 Our Website is made available free of charge. We take reasonable steps to ensure<br \/>that the information on this Website is correct at the time of first publishing. However,<br \/>we do not guarantee the correctness or completeness of material on this Website or<br \/>the absence of inaccuracies, omissions or typographical errors. We may make<br \/>changes to the material on this Website at any time and without notice, including<br \/>corrections. The material on this Website may be out of date, or on rare occasions<br \/>incorrect and we make no commitment to ensure that such material is correct or up-to-<br \/>date. We are not liable to send you notice of any changes or corrections made.<br \/>8.2 The material at this Website is provided without any conditions or warranties of any<br \/>kind. To the maximum extent permitted by law, we provide access and use of this<br \/>Website on the basis that we exclude all representations, warranties and conditions<br \/>which but for these Terms may have effect in relation to this Website.<br \/>8.3 All information and services are provided &amp;quot;as is&amp;quot; without warranty or condition of any<br \/>kind. We disclaim all warranties and conditions with regard to this information and<br \/>services, including all implied warranties or conditions of merchantability, fitness for a<br \/>particular purpose, title and non-infringement.<br \/>8.4 Any information on the Website in many cases will be an abbreviated and simplified<br \/>summary for general use or general guidance only, and is not a substitute for taking<br \/>specific advice on your own situation from an appropriate expert. Before taking, or<br \/>refraining from, any action on the basis of the content of our Website, you must obtain<br \/>suitable advice from a professional or specialist.<br \/>8.5 You use the Website at your own risk &#8211; neither we, nor our agents, employees and<br \/>sub-contractors, shall be liable to you or any other party for any losses or damages<br \/>whatsoever or howsoever arising in connection with the website (whether under these<br \/>terms and conditions or other contract or as a result of any misrepresentation,<br \/>misstatement or tortious act or omission, including negligence).<br \/>8.6 Neither we nor any other party (whether or not involved in producing, maintaining or<br \/>delivering this Website) shall be liable or responsible for any kind of loss or damage<br \/>that may result to you or a third party as a result of your or their use of our Website.<br \/>This exclusion shall include (without limitation) servicing or repair costs and any other<br \/>direct, indirect or consequential loss, and whether in tort, contract or otherwise in<br \/>connection with this Website.<br \/>8.7 We shall have no liability to any users for loss (whether in contract, tort, including<br \/>without limitation negligence, breach of statutory duty or otherwise, and whether<br \/>foreseeable or not) relating to:<\/p>\n<p>8.7.1 use of, or inability to use, our Website; or<br \/>8.7.2 use of, or reliance on, the contents of our Website.<br \/>8.8 In addition if you are a business user, we will not be liable to you for:<br \/>8.8.1 lost profit or turnover;<br \/>8.8.2 interruption or disruption of your business;<br \/>8.8.3 your failure to make anticipated savings;<br \/>8.8.4 lost business opportunities or damage to your goodwill or reputation; or<br \/>8.8.5 indirect or consequential losses.<br \/>8.9 In addition if you are a consumer, you agree not to use our site for any commercial or<br \/>business purposes, and we shall have no liability to you for anything mentioned in<br \/>Paragraphs 8.8.1 to 8.8.5.<br \/>8.10 We shall have no liability to you for any losses caused by a distributed denial-of-<br \/>service attacks, computer viruses, trojans, worms, logic bombs, corrupted data, or<br \/>other potentially harmful software or data that may damage your computer system,<br \/>software and data from your use of our Website or your downloading of any content on<br \/>it, or on any website linked to it.<br \/>8.11 Nothing in these Terms shall exclude or limit liability for (i) death or personal injury<br \/>caused by negligence (as defined by the Unfair Contract Terms Act 1977); (ii) fraud;<br \/>(iii) misrepresentation as to a fundamental matter; or (iv) any liability which cannot be<br \/>excluded or limited under English law.<br \/>9. Miscellaneous<br \/>9.1 If any part of this Agreement is determined to be invalid or unenforceable under any<br \/>applicable law, including, but not limited to, the above disclaimers and liability<br \/>limitations, then the invalid or unenforceable provision will be deemed to be replaced<br \/>by a valid, enforceable provision that most closely matches the intent of the original<br \/>provision and the remainder of the Agreement will continue in effect.<br \/>9.2 Unless otherwise specified, this Agreement constitutes the entire Agreement between<br \/>you and us with respect to the use of the Website and it supersedes all prior<br \/>communications and proposals, whether electronic, oral or written, between you and<br \/>us with respect to the use of the Website.<br \/>9.3 You must not assign or otherwise transfer the Agreement, or any right granted under it,<br \/>without our written consent. We can freely transfer our rights under the Agreement.<br \/>9.4 Any failure by us to enforce or exercise any provision of the Agreement, or any related<br \/>right, will not be a waiver of that provision or right.<br \/>9.5 We may provide you with notices, including those regarding changes to the<br \/>Agreement, by email, regular mail, postings on the Website, or other reasonable<br \/>means now known or developed in the future.<br \/>10. Governing jurisdiction<br \/>10.1 These Terms shall be governed by and construed in accordance with English law. Any<br \/>dispute(s) arising in connection with these Terms are subject to the exclusive<br \/>jurisdiction of the courts of England and Wales.<br \/>Version: [MONTH AND YEAR]<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Footer&#8221; _builder_version=&#8221;4.16&#8243; background_enable_color=&#8221;off&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_stops=&#8221;rgba(249,243,232,0.85) 0%|rgba(249,243,232,0.9) 100%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_color_gradient_start=&#8221;rgba(249,243,232,0.85)&#8221; background_color_gradient_end=&#8221;rgba(249,243,232,0.9)&#8221; background_image=&#8221;https:\/\/ls.universalwebdevelopment.co.uk\/wp-content\/uploads\/2023\/10\/financial-advisor-41.jpg&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_4,1_4,1_2&#8243; _builder_version=&#8221;4.16&#8243; 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