Home Financial Services Limited

Terms of Use

Home Financial Services Limited is an appointed representative of pi financial limited which is authorised and regulated by the Financial Services Authority ("FSA"). Not all products and services on this site are regulated by the FSA.

Access and use of the Home Financial Services Limited website ("Website") is subject to the following terms and conditions of use ("Terms of Use"). Before carrying out any transactions on the Website, you must read the Terms of Use. By proceeding with the transaction, you are deemed to have read and understood the Terms of Use and you signify your acceptance of the same.

Accuracy

At Home Financial Services Limited, we do our best to ensure that any information, data, services, systems, articles, bulletins and other content published from time to time on the Website ("Content") is accurate and complete. However, neither we nor our suppliers warrant that the Content is accurate or complete.

Furthermore, certain information on the Website is provided by third parties and you acknowledge that neither we nor our suppliers have any control over the accuracy or completeness of such third party data.

We therefore recommend that you check the accuracy and completeness of any Content before purchasing any financial products or services.

Advice

The Content of the Website is intended for general information only and should not be construed as advice under the Financial Services and Markets Act 2000. We recommend that you take appropriate professional and legal advice before entering into any binding contracts.

If you need independent financial advice, you can ring on 01630 658058, between 9 am and 5 pm, Monday to Friday) and one of our advisers will contact you at your convenience to discuss your requirements.

All prices and information quoted on the Website are indicative rather than definitive. The Website does not constitute an offer to buy, sell or provide any financial products or services, nor does the Website comprise any form of investment advertisement.

Use

By using the Website you agree to be bound by these Terms.

Amendments

We reserve the right to:

• Update these Terms from time to time and any changes will be notified to you via a suitable announcement on the Website. It is your responsibility to check for such changes. The changes will apply to the use of the Website after we have given such announcement. If you do not wish to accept the new Terms you should not continue to use the Website. If you continue to use the Website after the date on which the change comes into effect, your use of the Website will be deemed to indicate your acceptance of, and agreement to be bound by, the new Terms.
• Modify or withdraw, temporarily or permanently, this Website and the material contained therein (or any part) without notice to you, and you confirm that we shall not be liable to you for any modification to, or withdrawal of, the Website or its contents

Limitation of Liability

Nothing in these Terms of Use restrict or exclude our liability to you for death or personal injury caused by our negligence.

Subject to the above, we shall not be liable for any loss, damages, costs, claims or expenses whatsoever arising from:

• the acts, errors or omissions of third parties;
• the accuracy or completeness of the Website or Content;
• your failure to ensure the security of your ID and password; and
• your use of the Website and Content otherwise than in accordance with these Terms of Use.

In no event shall we be liable for any indirect or consequential loss or damages whatsoever (including, without limitation, loss of profits) incurred by you or in respect of any claim made against you by any third party arising as a results of, or in connection with, your use of the Website or Content.

The Website and Content is provided 'as is'. All warranties whether express or implied under law (including, without limitation, any warranties in relation to the Content, information, data, services, interrupted use, errors, omissions, delays, termination of service, loss of data for any reason, fitness of purpose, infringement of third party property rights) are hereby expressly excluded to the fullest extent permitted by law.

Termination and withdrawal of your ID and Password

We reserve the right to cancel your ID and Password or terminate the provision of the Website and Content (or any part thereof) to you without notice or reason.

You must not at any time:

• prevent, restrict or inhibit any other user from using the Website or Content;
• post or transmit on the Website any unlawful, fraudulent, libelous, defamatory, obscene, pornographic, profane, threatening, abusive, hateful, offensive, or otherwise objectionable information, content or materials of any kind (including, without limitation, any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability, or otherwise violate any applicable laws, rules, regulations, codes of conduct or market conventions);
• post or transmit on the Website any advertisements, solicitations, chain letters, pyramid schemes, investment opportunities or schemes or other unsolicited commercial messages or engage in spamming or flooding; or
• copy, upload, download, post, publish, transmit, reproduce or distribute in any way, Content or any other information or material appearing on the Website (including, without limitation, any text, data, software, graphics or programming code) without our prior written consent.

You agree that we may immediately terminate your ID and Password if you fail to comply with any of these Terms of Use.

Links

Some pages on the Website contain hypertext links to and from websites not operated or maintained by us ("Third Party Websites"). You are reminded that when you enter a Third Party Website by means of hypertext links from the Website, you will be subject to the terms and conditions of the Third Party Website you are entering. Similarly, when you enter the Website by means of hypertext links from a Third Party Website, you will be subject to these Terms of Use.

Hypertext links to Third Party Websites are provided for your convenience only. You acknowledge and agree that we are not responsible or liable in any way for the information or content displayed on such Third Party Websites (including, without limitation, advertisements about investment products and services) and we do not endorse or make any recommendation about products and services that are advertised or promoted on such Third Party Websites.

Some hypertext links on the Website may take you to Third Party Websites where advice or trading is available. You acknowledge and agree that we are not responsible or liable in any way with regard to any advice or trading which may be conducted on such Third Party Websites.

Governing Law and Jurisdiction

These Terms of use are governed by the laws of England and Wales and you agree to submit to the exclusive jurisdiction of the courts of England and Wales.

Transfer of Home Financial Services Limited

If the business of Home Financial Services is transferred to another provider for any reason, we may transfer to the new provider any information which we have obtained from you in connection with your use of the Website, providing the new provider undertakes (in terms which are enforceable by you) to hold it in accordance with the Privacy Policy.

Cookies

What is a Cookie?

A cookie is a text-only string of information that a website transfers to the cookie file of the browser on your computer hard disk so that the website can remember who you are.

A cookie will typically contain the name of the domain from which the cookie has come, the "lifetime" of the cookie, and a value, usually a randomly generated unique number.

Two types of cookies are used on this website:

Session Cookies:
These are temporary cookies that remain in the cookie file of your browser until you leave the site.

Persistent cookies:
These remain in the cookie file of your browser for much longer (though how long will depend on the lifetime of the specific cookie). Most major websites use cookies. Cookies cannot be used by themselves to identify you.

How do we use Cookies on our Site and what Information do we collect?

Session Cookies.
To allow you to use our tools. These session cookies contain no personal information and are destroyed once you close your browser.

Persistent Cookies.
To compile anonymous, aggregated statistics that allow us to understand how users use our site and to help us improve the structure of our website. We cannot identify you personally in this way.

Can I Disable Cookies?

You have the ability to accept or decline cookies by modifying the settings in your browser. However, you may not be able to use certain tools or services if cookies are disabled.

What can I do to stop cookies being installed on my browser?

In Internet Explorer 5.0: Go to the 'Tools' menu, Click on 'Internet Options', Click the 'Security' tab, Highlight the 'Internet' zone (selected by default), Select security level 'High' for this zone, Click on 'OK'

In Internet Explorer 6.0: Go to the 'Tools' menu, Click on 'Internet Options', Click the 'Privacy' tab, Move the slider to determine which setting you prefer, you can also click on 'Advanced' for specialised cookie treatment

If you are using Firefox 1.5 +: Go to the 'Tools' in menu bar, Click on 'Options', Click on the 'Privacy' option and click the 'Cookies' tab. Use the options within here to determine which settings you prefer.

We may use third-party advertising companies to serve ads on our behalf. These companies may employ cookies and action tags (also known as single pixel gifs or web beacons) to measure advertising effectiveness. Any information that these third parties collect via cookies and action tags is completely anonymous.

Amendments

From time to time, we may change the Terms of Use, the Disclaimer, the Privacy Policy and any other terms and conditions applicable to the Website or to any services offered by Home Financial Services. By using the Website and such services, you are deemed to have accepted any such changes.