Date of last update: 9 January 2018
The following describes the terms on which Wealth Club Limited (“we”, “us” or “our”), now incorporating Clubfinance, offers you access to our services.
Welcome to Wealth Club, now incorporating Clubfinance. By using the services available from the domain and sub-domains of www.wealthclub.co.uk and www.clubfinance.co.uk (the "sites") you are agreeing to the following terms (these “terms”). These terms apply to you if you are a guest to our sites, or a registered member. If you do not accept these terms, please do not use the sites.
These terms refer to the following additional policies (together, our “policies”), which also apply to your use of our sites and which form part of these terms:
- If you register with us as a member and purchase services from us, our Terms of Business will apply to the purchase and provision of those services.
- We reserve the right to change these terms and/or our policies at any time without notice. Changes take effect when we post them on the sites. Please check this page regularly to make sure you are aware of any changes we have made. Your continued use of the sites after any change to these terms or to any of our policies is your acceptance of the modification, addition or change. These terms cannot be altered by you unless agreed in writing by us.
These terms are effective from the date at the top of this page for current users, and upon acceptance for new users.
Information about us
We are Wealth Club Limited, now incorporating Clubfinance. We are registered in registered in England and Wales under company number 09831162, registered office 4 Broad Plain, Bristol, BS2 0JP.
Wealth Club Limited is authorised and regulated by the Financial Conduct Authority. You can access the Financial Conduct Authority's handbook online.
Using our sites
You may access most areas of our sites without creating an account with us. Certain areas of the sites are only open to you if you create an account.
While using the sites, you will not (including without limitation):
- violate any applicable local, national or international laws or regulations, third party rights, or our policies;
- distribute, transmit or procure the sending of, any unsolicited or unauthorised advertising or promotional material, any other form of similar solicitation (spam) or pyramid schemes;
- hack our sites or in any way (without our prior consent) interfere with, damage or disrupt any part of it or any of the hardware, software or the network that is part of our sites or provides our sites;
- knowingly introduce viruses, trojans, worms, logic bombs or other material to the sites which is malicious or technologically harmful either to the sites or the software, hardware or networks of us or others;
- 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 sites;
- attack our sites via a denial-of-service attack or a distributed denial-of service attack;
- post or transmit any infringing, threatening, false, misleading, abusive, harassing, discriminatory, liable to incite racial hatred, libellous, defamatory, vulgar, obscene, indecent, scandalous, offensive, inflammatory, blasphemous, pornographic, or profane material or material in breach of confidence or privacy.
In addition, you will refrain from using the sites:
- if you are not able to form legally binding contracts, are under the age of 18, or are temporarily or indefinitely suspended from our site;
- for any purpose that is prohibited by these terms or could constitute or encourage conduct that would be considered a criminal offence, give rise to civil liability, or otherwise violate any law.
In the event of committing a breach of any of the provisions set out above, we reserve the right to terminate your account and/or your right to use our sites immediately at our discretion.
Intellectual Property Rights
The site and all of their contents including, but not limited to, the text, design, logos, graphics, icons, images and publications on the sites (the "content") are owned and copyrighted by us or our licensors with all rights reserved unless otherwise noted.
You may download the content, but only for informational, non-commercial, non-profitable purposes and personal use and provided that you do not remove, adapt, alter or obscure any of the information, content or notices (such as copyright and other proprietary notices). You may not (without our prior written permission or in accordance with the Copyright, Designs and Patents Act 1988) reproduce, download, post, broadcast, store in any medium (including in any other website), transmit, make available to the public, or otherwise use the content (including, but not limited to, "caching" any material on the sites for access by third parties or "mirroring" any material on the sites) in any way except for your own personal, non-commercial use. Any other use of the content or the sites requires our prior written permission.
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 sites must always be acknowledged.
You shall not create a database in electronic or structured manual form by systematically downloading and storing any content on the sites.
Intellectual property rights belonging to third parties (as indicated on the sites) remain the property of those third parties. Where any third party intellectual property rights, including trademarks, appear on the sites, we intend this to be for the benefit of the relevant intellectual property owner to help identify the owner’s entry in the sites' marketplace and we intend no infringement of any third party’s intellectual property rights. If you wish us to remove information that contains your intellectual property rights from the sites, please email us, write to us at Wealth Club Limited, 4 Broad Plain, Bristol BS2 0JP or call us on 0117 929 0511 and we will comply with the request as soon as possible.
In respect of linking to the sites you must not:
- create a link to the sites which might damage our reputation or brand;
- create a link to the sites in any way that suggests any form of association, approval or endorsement by us, where none has been given;
- imply we are endorsing you or your products or services;
- present false, misleading or inaccurate information about us or our products or services on your website or otherwise disparage our products or services;
- include content on your website that is – or could be interpreted as – illegal, distasteful, offensive or controversial, which infringes any IP rights or other rights of any person or otherwise does not comply with all applicable laws and regulations and you shall include on your website only content that is appropriate for all age groups;
- replicate any content or use our logos, trademarks, service marks or any other marks of a similar kind without our prior written permission;
- remove or obscure any of the information, content or notices contained on the sites;
- frame the sites or any content without permission
We reserve the right to withdraw linking permission without notice.
The sites contain links to third party sites – these links are provided for your information only. We do not have control over the content of third party sites that are linked from the sites and accept no responsibility for their contents. If you access such links you do so at your own risk.
Whilst we have made every reasonable effort to ensure that the information on the sites is correct and up to date, we do not warrant the accuracy, completeness and validity of the material contained on the sites. We reserve the right to make changes to the content at any time without notice. If the need arises, we may suspend access to our sites, or close them indefinitely. Any of the material on our sites may be out of date at any given time, and we are under no obligation to update such material.
Information, documents and other materials posted on our sites or sent to you are not intended to amount to advice or a personal recommendation. We, therefore, disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our sites, on any information or materials which we send you, or by anyone who may be informed of any of its contents. If you are in any doubt as to the suitability of the products or services on our sites we suggest you seek professional financial and/or taxation advice.
We do not guarantee that our sites are free from bugs or viruses and you should have your own virus protection software.
We expressly reserve the right to revoke the right granted in this section for any breach of these terms and to take any further action we deem appropriate in respect of such breach.
We shall use reasonable care and skill in carrying out the services contained in the sites. However all content (including the information, names, images, pictures, logos and icons regarding or relating to Wealth Club Limited or Clubfinance, their products and services (or to third party products and services) and all publications, products and services are subject to change and are provided to you "as is" and on an "as available" basis without any representations of any kind or warranty made of any kind (whether express or implied by law) to the extent permitted by law, including, but not limited to, the implied warranties of suitability, satisfactory quality, merchantability, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.
Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. Without limiting the foregoing, we neither warrant nor represent that your use of any content will not infringe the rights of any third parties nor that the content will be accurate, complete or up-to-date.
If you are a business, subject to the wording above and save to the extent that it is set out in our Terms of Business, we will under no circumstances whatever be liable to you, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, arising under or in connection with the terms or any contract entered into for any loss of profits, sales, business, or revenue, loss or corruption of data, information or software, loss of business opportunity, loss of anticipated savings, loss of goodwill or any indirect or consequential loss arising out of or in any way connected with its products or services, the use of or access to the sites or content, or the inability to use the sites, any websites linked to the sites or the content of such websites (including without limitation the inadvertent downloading of computer viruses from the sites or from e-mails sent from the sites that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing the sites or your downloading of any material from the sites or any websites linked to the sites), whether based on contract, tort (including negligence), strict liability or otherwise, even if advised of the possibility of any such damages. Nothing in these terms is intended to limit or exclude your statutory rights as a consumer (if any).
If you are a consumer, subject to the wording above and save to the extent that it is set out in our Terms of Business, we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity arising out of or in any way connected with its products or services, the use of or access to the sites or content, or the inability to use the sites, any websites linked to the sites or the content of such websites (including without limitation the inadvertent downloading of computer viruses from the sites or from e-mails sent from the sites that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing the sites or your downloading of any material from the sites or any websites linked to the sites), whether based on contract, tort (including negligence), strict liability or otherwise, even if advised of the possibility of any such damages. Nothing in these terms is intended to limit or exclude your statutory rights as a consumer (if any).
We assume no responsibility for any information not provided on the sites or for the failure of any of our services offered on the sites.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses 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 material posted on it, or on any website linked to it.
You agree to indemnify us against any claims, demands or proceedings brought against us by any third parties if they are a result of your use of the sites or your other actions or omissions or where we suffer any loss or damage as a result of your breach of these terms. Your use of the sites includes any use by third parties where those parties access the sites using your computer.
If you are dissatisfied with any portion of the sites your sole and exclusive remedy is to discontinue using it.
Access to our sites
Access to our sites is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our sites without notice (see below). We will not be liable if for any reason our sites is unavailable at any time or for any period.
Whilst we endeavour to ensure that our sites is available 24 hours a day, we do not guarantee that our sites, or any content on it, will always be available or uninterrupted, or that it will be free from errors or omissions. We will not be liable if for any reason our sites are unavailable at any time or for any period. You are responsible for making all arrangements necessary for you to have access to our sites, and you are also responsible for ensuring that all persons who access our through your internet connection are aware of this agreement, and that they comply with it.
Without limiting our other remedies, we may limit, suspend, or terminate our service and user accounts, prohibit access to the sites, remove hosted content, and take technical and legal steps to keep users off the sites if we (in our sole discretion) think that they are creating problems, possible legal liabilities, or acting inconsistently with the letter or spirit of these terms and/or our policies. We also reserve the right to cancel unconfirmed accounts.
We reserve the right for any reason to refuse access to the sites, suspend or terminate your account or remove or edit content.
Your Account and Password
From time to time, we may restrict access to some parts of our sites, or our entire sites, to users who have registered with us.
If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these terms.
You must ensure that the details you provide us with are correct, complete and not inappropriate in any way. You agree to notify us immediately of any changes to the information that you provided when registering. You can access and update the information you provided us within the Portal area of the sites.
You are responsible for all activities that occur using your account. You should take all necessary steps to ensure that your username and password are kept secret and secure and you should inform us immediately by email if you have any reason to believe that your username and/or password have become known to anyone else, or if your account is being, or is likely to be, used in an unauthorised way
We reserve the right to reject any application for registration at our discretion. We are not obliged to provide reasons for any such rejection.
If any provision of these terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced. Headings are for reference purposes only and do not limit the scope or extent of such section. If we decide to waive any breach of obligation arising under these Terms, then that does not mean that we have waived any other breach or any future breaches.
Unless stated or contained in any of our policies, nothing in the content within the sites or materials accessed via the sites, other than the terms, is intended to form any binding contract. In particular, notes on products, services and the like are stated on an "invitation to treat" basis (i.e. they are not offers which will become binding upon purported acceptance by you) and are "subject to availability".
These terms and any document expressly referred to in them represent the entire agreement between us in respect of your use of our sites.
These terms are not enforceable under the Contracts (Rights of Third Parties) Act 1999 by any person not a party to them.
You are responsible for complying with local laws and regulations of the jurisdiction from which you access the sites. The sites should not be accessed in any jurisdiction where for any reason the publication or availability of the sites is prohibited. We do not claim that the sites comply with laws in all jurisdictions. If you are in doubt, you should seek legal advice and if necessary, stop using the sites immediately.
The English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to our sites although we retain the right to bring proceedings against you for breach of these terms in your country of residence or any other relevant country.
These terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.
If you have any queries regarding these terms, you can email us, write to us at Wealth Club Limited, 4 Broad Plain, Bristol BS2 0JP or call us on 0117 929 0511.