Using the website

This website is operated by MES Financial Services Limited.

Our cookie policy, which sets out information about the cookies on our website, also applies to your use of our website.

For information about how we capture, store and use your personal information, please refer to our privacy policy.

The content of the website is subject to copyright (which may be owned by a third party) with all rights reserved and is for your personal use only. Nothing on the website nor your use of it is intended (expressly or implicitly) to transfer to you any intellectual property rights in the content. You may print and/or download website content for your own purposes (whether business or personal) but you must not publish, distribute or reproduce it or any information derived from it for general consumption in any form without our consent.

We try to ensure that website content (whether provided by us or third parties) is accurate, complete, reliable and up-to-date but we do not guarantee that it is. We strongly suggest that, if you have not already done so, you take independent financial advice if you intend to make an investment decision based on it.

The website is designed for use in the UK only and not in any jurisdiction or location where the publication or availability of the website would be contrary to local law or regulation. If you use the website outside the UK, you do so at your own risk and shall be responsible for compliance with local regulations.

Whilst we try to keep downtime to a minimum, there may be times when the website and any website accessible from it may not be available, e.g. if we are carrying out scheduled maintenance or internet traffic is heavy.

Other applicable terms

Advice

Nothing on the website is intended to constitute financial, investment, tax or professional advice.

If you are not sure about our products and services and the implications of purchasing them, we strongly suggest you seek independent financial advice.

Email

As it is not a wholly safe method of communication, we strongly recommend that you do not send us any confidential or sensitive information, e.g. bank details, National Insurance number, medical information, by email. If you are an existing customer, you can use the secure messaging facility (if it is available for your product) or you can send it by post.

Liability

Save in the event of negligence, wilful default or fraud, neither we nor any supplier of content to us shall be liable (including without limitation) in contract, tort, negligence, statutory duty or otherwise to the maximum extent permissible by law for any Loss arising from (including but not limited to):

• any defects, viruses and any other malfunctions caused to any equipment and other software in connection with access or use of the website
• the content of the website
• the website’s unavailability
• misuse of the website
• loss of data
• the download or use of any software made available on the website
• unauthorised use of a password.

‘Loss’ means all losses (including without limitation) loss of business, loss of revenue, loss of goodwill, loss of profits, loss of opportunity, loss of anticipated savings, wasted expense, liabilities, costs, payments, claims, actions, damages and expenses (whether direct or indirect) and in all cases regardless of whether or not such loss was foreseeable or arises from circumstances particular to you which you had advised us of.

Nothing in this disclaimer is intended to operate to exclude or limit or restrict any obligations and liability we may have to you under the Financial Services and Markets Act 2000.

Governing law

This legal policy shall be governed by and construed in accordance with the law of England.