Terms and Conditions

(1) Introduction

These terms and conditions govern your use of our website; by using our website, you accept these terms and conditions in full. If you disagree with these terms and conditions or any part of these terms and conditions, you must not use our website.

If you register with our website, we will ask you to expressly agree to these terms and conditions.

You must be at least 16 years of age to use our website. By using our website and by agreeing to these terms and conditions you warrant and represent that you are at least 16 years of age.

You further warrant and represent that:

• you will only use the website in a personal capacity;
• you are not currently registered or qualified as a professional in any national or state exchange, regulatory authority or professional association;
• you do not act in any capacity as an investment adviser; and
• you will solely use the website services in connection with your personal funds.

You agree to provide such information and/or document as we may request from time to time in order to confirm the validity of these representations. You agree to inform us within 7 days if the circumstances confirmed in this declaration change. You accept that the use of our website is conditional upon the validity of this declaration. You accept that you may be liable for additional fees and charges in the event of any change in circumstances or non-compliance with this declaration. You accept that the data relating to this declaration may be stored and processed by auditors acting on behalf of us or FTSE.

(2) Licence to use website

In this Section 2 and Section 3 below, “website material” means our website and all data, content and materials stored, hosted or displayed on our website.

Unless otherwise stated, we or our licensors own the intellectual property rights in the website material. Subject to the licence below, all these intellectual property rights are reserved.

You may view pages from the website using a web browser, and download pages from the website for caching purposes only, subject to the restrictions set out below and elsewhere in these terms and conditions.

You must not exploit (whether commercially or otherwise), edit, modify, use, access, copy, transmit, display or re-distribute any website material in any way except as set out in above, or as otherwise mandated by applicable law.

You may only use the website material for your own personal purposes.

You are not permitted in any circumstances to:

• re-publish website material (including re-publishing website material on another website);
• sell, rent or sub-license website material;
• show any website material in public;
• edit, combine or modify any website material;
• re-distribute website material;
• use the website material to create or operate any financial product, index or service; or
• remove or obscure any proprietary notice associated with the website material.

The licence provided for in this Section 2 is non-transferable.

(3) Acceptable use

You must not use our website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

You must not use our website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.

You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to our website or our website material.

You must not use our website for any purposes related to marketing without our express written consent.

(4) Registration

In order to access all the functionality on our website, you will need to register. You may do so by completing and submitting our registration form.

The additional functionality available to registered users when logged in may include:

• investment watch lists;
• investment portfolios; and
• email reports.

Registered users must ensure that their passwords are kept confidential.

We may disable or cancel any registered user's account at any time with or without notice or explanation.

(5) Links to service providers

Our website includes links to third party service providers. These links are not recommendations.

You acknowledge that:

• we do not vet third party service providers;
• we do not check, audit, monitor or control: the identity, credit worthiness or bona fides of third party service providers, the security of third party service provider websites, or the accuracy of the information published on third party service provider websites;
• we are not party to any contract for the supply of services entered into between you and a third party service provider; and
• our website contains information supplied by third party service providers, and we do not check, audit or monitor the accuracy of that information,

and accordingly we will not be liable to you in relation to any loss or damage arising out of any third party service provider website, any information supplied by a third party service provider, any offer made by a third party service provider, or any contract between you and a third party service provider.

Furthermore, we are not responsible for the enforcement of any obligations arising out of a contract between you and a third party service provider, and we will have no obligation to mediate between the parties to any such contract.

The provisions of this Section 5 are subject to the first paragraph of Section 9.

(6) User content

In these terms and conditions, “your content” means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to our website, whether for publication on our website or for any other purpose.

You grant to us a worldwide, irrevocable, non-exclusive, royalty-free licence to use, reproduce, adapt, publish, translate and distribute your content in any existing or future media. You also grant to us the right to sub-license these rights, and the right to bring an action for infringement of these rights.

You warrant and represent to us that your content will not:

• be illegal or unlawful;
• infringe or breach any person's intellectual property rights or other legal rights; or
• give rise to any legal action whether against you or us or any third party,

in each case in any jurisdiction and under any applicable law.

You further warrant and represent that your content will not be sexually explicit, promote violence, or be discriminatory on grounds of race, gender, religion, nationality, disability, sexual orientation or age.

You must not submit any content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.

We reserve the right to edit or remove any material submitted to our website, or stored on our servers, or hosted or published upon our website.

Notwithstanding our rights under these terms and conditions in relation to your content, we do not undertake to monitor the submission of such content to, or the publication of such content on, our website.

(7) Financial disclaimer

You acknowledge that the financial information on our website is subject to a delay of at least 15 minutes.

Our website disseminates general information relating to investments. We do not provide financial advice, advice concerning particular investment decisions or tax or legal advice. Nothing on the website should be construed as advice.

All of the information on the website about businesses, companies, investment strategies, investments and investment opportunities is provided by third parties.

We act as a mere conduit for the information published on our website, and we do not select, monitor, edit, modify, review, evaluate or otherwise oversee the information or the publication of the information on our website.

Accordingly, subject to the first paragraph of Section 9, we will not be liable, whether in contract, tort (including negligence) or otherwise, in respect of any damage, expense or other loss you may suffer arising out of such information or any reliance you may place upon such information.

You should take professional advice in connection with, or independently research and verify, any information that you find on our website and wish to rely upon, whether for the purpose of making an investment decision or otherwise. You should not take any investment decisions upon the basis of the information available on our website.

Any arrangements between you and any third party contacted via the website are at your sole risk.

We would like to draw your attention to the following investment warnings: the value of shares and investments and the income derived from them can go down as well as up; investors may not get back the amount they invested; and past performance is not necessarily a guide to future performance.

We are not regulated by the Financial Services Authority.

(8) Limited warranties

We do not warrant the completeness or accuracy of the information published on this website; nor do we commit to ensuring that the website remains available or that the material on the website is kept up-to-date.

We do not provide any support or similar services in relation to our website, the information on our website, or the use of our website.

To the maximum extent permitted by applicable law we exclude all representations, warranties and conditions relating to this website and the use of this website (including, without limitation, any warranties implied by law of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill).

(9) Limitations and exclusions of liability

Nothing in these terms and conditions will: (a) limit or exclude our or your liability for death or personal injury resulting from negligence; (b) limit or exclude our or your liability for fraud or fraudulent misrepresentation; (c) limit any of our or your liabilities in any way that is not permitted under applicable law; or (d) exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and exclusions of liability set out in this Section and elsewhere in these terms and conditions: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the terms and conditions or in relation to the subject matter of the terms and conditions, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.

To the extent that the website and the information and services on the website are provided free-of-charge, we will not be liable for any loss or damage of any nature.

We will not be liable to you in respect of any losses arising out of any event or events beyond our reasonable control.

We will not be liable to you in respect of any business losses, including (without limitation) loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill.

We will not be liable to you in respect of any loss or corruption of any data, database or software, including (without limitation) loss of any portfolio or watch list saved on the website.

We will not be liable to you in respect of any special, indirect or consequential loss or damage.

You accept that we have an interest in limiting the personal liability of our officers and employees. Having regard to that interest, you accept that we are a limited liability entity and agree that you will not bring any claim personally against individual officers or employees in respect of any losses you suffer in connection with the website or these terms and conditions. This will not, of course, limit or exclude the liability of the company itself for the acts and omissions of our officers and employees.

(10) Indemnity

You hereby indemnify us and undertake to keep us indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by us to a third party in settlement of a claim or dispute on the advice of our legal advisers) incurred or suffered by us arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.

(11) Breaches of these terms and conditions

Without prejudice to our other rights under these terms and conditions, if you breach these terms and conditions in any way, or if we reasonably suspect that you have breached these terms and conditions in any way, we may:

• send you one or more formal warnings;
• temporarily suspend your access to the website;
• permanently prohibit you from accessing the website;
• block computers using your IP address from accessing the website;
• contact your internet services provider and request that they block your access to the website;
• bring court proceedings against you for breach of contract or otherwise;
• suspend and/or delete your account with the website; and/or
• delete and/or edit any or all of your content.

Where we suspend or prohibit or block your access to our website or a part of our website, you must not take any action to circumvent such suspension or prohibition or blocking (including without limitation creating and/or using a different account).

(12) Trade marks

SHARE COMPARE and our logos are trade marks belonging to us. We give no permission for the use of these trade marks, and such use may constitute an infringement of our rights.

The other registered and unregistered trade marks or service marks on our website are the property of their respective owners. Unless stated otherwise, we do not endorse and are not affiliated with any of the holders of any such rights and as such we cannot grant any licence to exercise such rights.

(13) Variation

We may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of our website from the date of the publication of the revised terms and conditions on our website. Please check this page regularly to ensure you are familiar with the current version.

In particular, we reserve the right to charge for any or all of our website services at any time in future.

(14) Assignment

We may transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms and conditions without notifying you or obtaining your consent.

You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions.

(15) Severability

If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

(16) Exclusion of third party rights

These terms and conditions are for the benefit of you and us, and are not intended to benefit any third party or be enforceable by any third party. The exercise of our and your rights in relation to these terms and conditions is not subject to the consent of any third party.

(17) Entire agreement

These terms and conditions constitute the entire agreement between you and us in relation to your use of our website, and supersede all previous agreements in respect of your use of this website.

(18) Law and jurisdiction

These terms and conditions will be governed by and construed in accordance with English law, and any disputes relating to these terms and conditions will be subject to the exclusive jurisdiction of the courts of England and Wales.