User terms

User Terms, we know you have probably already switched off and yes we get it, they are just a tiny bit dull but they are important. Because this document sets out the basis on which you may use our website. Remember, they are legally binding so do please read them.

We are Percayso Inform Limited (Percayso). The terms “we” “our” or “us” in this document, this means Percayso Inform Limited on behalf of the Percayso Group of companies. Wherever the name “Percayso” is used within these pages, it refers to one or more of the trading companies of Percayso Limited that operate in the United Kingdom. We might also mean anyone that might take over our business or we transfer our business to in the future. References to “you” and “your” means each natural or legal person who uses our website or the associated services.

In providing you access to the Percayso Inform website, you agree to observe all terms and conditions documented in these User Terms, as well as any other specific terms and conditions for content or functionality that may be provided on the website.

Percayso Inform Limited is a limited company registered in England and Wales under company number 11377058. Our registered office is at 25 Hine House, Regent Street, Nottingham, Nottinghamshire, England, NG1 5BS.

Please see our privacy policy for information regarding data protection and your rights. We will only process your personal data in accordance with our privacy policy and applicable data protection law. https://www.percayso-inform.com/privacy-policy/

You agree to use percayso-inform.com only for lawful purposes. It must not be used in such a way that it infringes the rights of or restricts or inhibits the use and enjoyment of this site by anyone else.

We are changing and adapting our approach continuously as a result we update percayso-inform.com frequently. We can change or remove content at any time without notice. A week is a long time in the Percayso Inform world.

We cannot guarantee that our website or any content on it or provided as part of our services, will always be available, uninterrupted or error free.

If you have any questions about or feedback on our User Terms or wish to make a complaint about our service, get in touch with us by emailing: privacy@percayso-inform.com

If you have made a complaint about us and we have provided a final response which in your opinion is not good enough or you have not received a response within eight weeks of making your complaint, you can ask the Financial Ombudsman Service to investigate. The contact details for the Financial Ombudsman Service are below:

• Telephone: 0800 0234567
• Postal address: Exchange Tower, Harbour Exchange, London, E14 9SR
• On Line: https://help.financial-ombudsman.org.uk/enquiries
• More Details: https://www.financial-ombudsman.org.uk/contact/index.html

When you’re using our website please don’t do any of the following things. If you do or if we have reason to believe you either have done or will do, we may refuse to provide access to percayso-inform.com temporarily or permanently or we may take other action against you (including legal action).

If you do not agree to the terms set out here, you should cease to use our website immediately.

Some of these things are unlawful. Where this is the case (or we believe it may be the case) we may disclose your identity, your activities and other information we hold about you to law enforcement agencies.
You must not, and you must not allow another person to use our website (including any content or materials on them):

• In any way that doesn’t comply with any applicable local, national or international law or regulation
• In any way that is deceiving or fraudulent, or has any fraudulent purpose or effect to access or interfere with another person’s account or information, impersonate another person, or create or use a false identity or email address
• To harm or attempt to harm any other person in any way
• To make any unsolicited or unauthorised communications, including advertising or promotional material (“spam”)
• To obtain or attempt to obtain unauthorised access to or interfere with, damage or disrupt any part of our website, any computer systems, equipment, software or networks on or through which our website is stored or operated
• To modify, adapt, decipher, decompile, disassemble or reverse engineer any of the software comprised in or in any way making up a part of our website
• To scrape, reproduce, duplicate, copy, modify, distribute, publish, resell or transmit any element comprised in our website, including any software comprised in it or the content provided through it
• To use any technology or processes of any kind to access, acquire, copy, monitor, navigate or search our website or any portion of it (including the use of data mining, robots or similar data gathering and extraction tools) in any way that is not authorised by us or is detrimental to us

You must not, and you must not allow another person to:

• Knowingly transmit any data, send or upload any material that is corrupt or contains viruses, Trojan horses, worms, logic-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware or perform any act that would cause our website to become unavailable for use by others (including via any form of denial-of service attack)
• Access without authority, interfere with, damage or disrupt any part of our website, any software, the server or other equipment or network used in the provision of our website
• Use any part of the content on our website for commercial purposes without obtaining a licence to do so from us

• 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 website in any website that is not owned by you or that does not comply in all respects with the content standards set out in our Acceptable Use Policy.
• Our website must not be framed on any other site, nor may you create a link to any part of our website other than the home page

We reserve the right to withdraw linking permission without notice.

We may monitor your use of our website and monitor your activity for security purposes. Please see our privacy policy for more information.

When we consider that a breach of this acceptable use policy has occurred, we may take such action as we deem appropriate. Failure to comply with these User Terms constitutes a material breach of the terms of use upon which you are permitted to use our website, and may result in our taking action such as (but not limited to) immediate, temporary or permanent withdrawal of your right to use our site, issue of a warning to you, legal proceedings against you for reimbursement of all costs on an indemnity basis resulting from the breach, and any further legal action against you. We shall not be liable to you for any loss or damage that you might incur as a result of action we may take in response to breaches of these User Terms.

All intellectual property rights in our website and the material published on it and in the component systems are owned by, licensed or sub-licensed to us. All content on our website is subject to copyright with all rights reserved.

Images, trademarks and brands are protected by intellectual property laws and may not be reproduced or appropriated in any manner without permission of their respective owners.

You must not remove any acknowledgement that we or any of our contributors is the author of any website content or any content we provide to you as part of the services.

You may download or print or screen grab content or individual sections or pages of our website for your personal use and information only, provided that any such copy has attached to it the relevant proprietary notices and/or disclaimers. Any material downloaded or otherwise obtained through our website is done at your own discretion and risk and you are solely responsible for any damage to your computer system or device or loss of data that results from the download of any such material.

You must not modify, adapt, copy, download or post material from our website nor store any part of our website in any other website or include it in any public or private electronic retrieval system.

You must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text or explanation.

If you print off, copy, download or post to social media any part of our website in breach of these Terms you must, at our option, return, destroy or procure the deletion of any copies of the materials you have made.

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.

We may change the content or functionality of our website or any other method which allows access to our services at any time. The content may be out of date at any given time, and we are under no obligation to update it.

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.
We have no control over the contents of those sites or resources.

Please read the provisions of this section carefully, as they exclude or limit our liability for any losses suffered by you in connection with your use of our website.

Nothing in these Terms excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, any duties or liabilities that we owe to you under the Financial Services and Markets Act 2000 or the rules of the Financial Conduct Authority, nor any other liability that cannot be excluded or limited under applicable law.

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

We will not be liable to you or any third party 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, inability to use or unavailability of, our website (or any part of it), websites linked to it, or our services
• Use of any products, data, information or services accessed or obtained or messages received or transactions entered into through or from the services obtained or accessed through our website including use of or reliance on any content displayed on or made available through our website
• Unauthorised access to or alteration of your transmissions of data, or
• Any inaccuracy or incompleteness of any information received by you or by us through our website or as part of our services

We shall only be responsible for loss or damage you suffer that is a foreseeable result of our breach of these Terms or our negligence. Loss or damage is foreseeable if it is an obvious consequence of our breach or if they were contemplated by you and us at the time you accepted these Terms.

Although we take all reasonable steps to protect our systems using virus checking software, please note that any content downloaded from our website is at your own risk. We do not accept liability for any loss or damage that you suffer as a result of any distributed denial-of-service attacks, computer viruses, Trojan horses, worms, software bombs or other damaging items resulting from your use of our website. You are responsible for protecting your computer systems and other devices from exposure to viruses by the use of anti-virus software, firewalls and any other technical measures necessary. If you download digital content provided by us and you suffer damage to your device or other digital content you own because we have not exercised reasonable care and skill in creating such digital content, you may be entitled to compensation or repair at our expense pursuant to your statutory rights.

If you are a consumer, please note that the terms of this policy, its subject matter and its formation are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland. If you are a business, the terms of this policy, its subject matter and its formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

Any changes we make to our User Terms in the future will be posted on this page and where appropriate via email or website notification.