Please read through our Terms and Conditions, Privacy Policy and Cookies Policy carefully, as they lay out our legal requirements as the owner of this website and yours as the visitor of this site.

Your use of this site means that you accept these Terms and Conditions as they applied on the date of your first visit, and that you agree to abide by them. We advise that you check back regularly, as we reserve the right to update them at any time.

These Terms and Conditions shall be governed by the laws of England and Wales, which are governed by UK contract law and regulatory controls. Any dispute arising from these terms and conditions, or from your use of this website, shall be subject to the exclusive jurisdiction of English and Welsh courts.

You agree to use this site for lawful purposes only, in a manner that does not restrict, inhibit or infringe the use and enjoyment of this site by any third party, or otherwise infringe on the rights of any third party.

 

Definitions

“Prism” means “Prism Independent Financial Advisers Ltd.”, also known as “Prism IFA”, is registered under Company No. 04069495 and has registered offices at 22 Risca Road, Newport, Gwent, NP20 4JW.

“Website” means “www.prismifa.co.uk” and any of the pages contained on that domain.

“You”, “your” and “yours” means the person or persons accessing the website.

“We”, “us” and “our” means us and our organisation only.

“Material” means any information, be it text, photographs, graphics, trademarks, logos, links, programming code, data or any other material published, contained or available on this website.

 

Material on this site

The material published on this site has been made available to you for informational purposes only. We do not make any warranties to the accuracy or reliability of any material published on this site, and you rely on it at your own risk. We may make changes to the material on this website at any time, without giving notice. Material on this website may contain errors, typographical or otherwise, and it may be out of date. We make no commitment to update this material and it is not intended to as professional advice.

We and any other third parties referred to on this website can assume no responsibility for how you use the information provided on the website.

 

Liability

Neither we, nor any other party involved in creating, producing, maintaining or delivering the website accept liability for

  • any amount or kind of loss or damage (including without limitation any direct, indirect, punitive or consequential loss or damage)
  • any loss of income, profits, goodwill, data, contracts, use of money, or loss or damages arising from or connected in any way to business interruption

whether in tort (including without limitation negligence, contract or otherwise) in connection with your use, inability to use or the results of use of the website, any websites linked to the website or the material on such websites.

This includes, but is not limited to,

  • loss or damage due to viruses that may infect your computer equipment, software, data or other property
  • any other such loss or damages that arise on account of your access to, use of, or browsing the website or your downloading of any material from the website or any websites linked to the website.

If your use of the website results in the need for servicing, repair or correction of your equipment, software or data, you assume all costs of this.

Nothing in these Terms and Conditions shall exclude or limit our liability for death or personal injury caused by negligence, fraud, or misrepresentation as to a fundamental matter.

 

Copyright information

All trademarks, logos, graphics, images, photographs, videos, animations, text and software used on this site remain our intellectual property. You many only display, print, reproduce and use this material for your personal use only. Without our prior written consent, you may not otherwise retrieve, use, display, copy, modify, print, sell, hire, download or reverse-engineer such content.

 

Links leading off this site

Where we provide links to other sites, we do so for information purposes only. We have not verified the content of any such websites as they are beyond our reasonable control. We are not responsible for the material published on any other websites, pages, documents or other resources linked to by our website or social media accounts.

You choose to follow links to other websites at your own risk. It is your responsibility to take protective measures to guard against viruses, destructive elements or upsetting material on other websites.

 

Linking to this site

We welcome links to this website and to the material and information hosted on these pages. You do not have to ask our permission to link to this website, but we reserve the right to use which asks Google to ignore any links to our site that we consider to be inappropriate, spammy, low-quality or which will otherwise damage our ranking and reputation.

 

Website access

We try to ensure that this website is available 24 hours a day, 7 days a week, but we cannot guarantee 100% uptime. We shall not be liable if, for any reason, the website is unavailable at any time, for any period of time, as system failure, maintenance, repair and other reasons beyond our control may cause the website to be suspended without notice.

 

Failure to comply with these terms

Any breach of these terms or failure to comply with them may result any of the following actions:

  • withdrawal of your right to use this website, whether that be immediate, delayed, temporary or permanent;
  • removal of any content uploaded by you to the forums or the website, whether that be immediate, delayed, temporary or permanent;
  • the issuing of a warning against you;
  • disclosure of any information to law enforcement authorities that we reasonably feel is necessary.

We exclude liability for actions taken in response to breaches of this acceptable use policy. This list of actions is not exclusive, and we may take other actions that we deem to be appropriate.

 

Privacy and data protection

We are committed to protecting your privacy. For further information about how we do this, please read through our Privacy Policy and information about the cookies we use on this site.

 

Compliance with disability discrimination legislation

This site complies with the Equality Act 2010 and strives to meet with the Website Accessibility Initiative (WAI) guidelines, published by the World Wide Web Consortium (W3C), a consortium of 385 organisations who advise and educate on standards for internet technologies. [See our accessibility statement for more information.]

If you feel that this site is not accessible, or if you have trouble using it, please let us know immediately so that we can rectify the problem. You can also report any website with accessibility issues to Fix the Web, a site that works to improve internet accessibility for disabled users.