Terms and Conditions Policy –
Website Use

Introduction

Welcome to our website www.wealthcare.co.uk

If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern Wealthcare’s relationship with you in relation to this website. Please read these terms and conditions carefully before you start to use the site.

If you disagree with any part of these terms and conditions, please do not use our website.

Legal Statement

This website is owned and operated by Wealthcare Limited who are authorised and regulated by the Financial Conduct Authority (FCA), FCA Number 207647.

Our registered office is:
4 Castlecroft Court
Castlecroft Road
Bury
BL9 0LN

Company registration number 04248489.

This website is designed to provide you with general information only and does not attempt to give you financial, legal or other professional advice in any way and you should consult your financial adviser or other professional adviser if you require any financial, legal or other professional advice.

Not all products and services on this website are regulated by the FCA, but an indication will be given by us as to whether the product and/or service is regulated or not.

Jurisdiction and applicable law

The guidance contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK. Accordingly this website is intended for use by those who can access it from within the UK. Any use of it shall, at all times, be governed by English Law and any dispute or action arising out of this website shall be determined in accordance with such laws. By using this website you agree to be legally bound by these terms, which shall take effect immediately on your first use of this website.

Accuracy

Wealthcare takes all reasonable steps to ensure that the information on this website is accurate and up to date. Wealthcare accepts no responsibility for the use made of information contained within this website.

Nothing stated in this website constitutes advice, the material is purely for information purposes only and its accuracy, timeliness, performance or completeness cannot be guaranteed. We cannot assume legal liability for any errors or omissions. Any opinions expressed are our judgment at the time of writing and are subject to change without notice.

Accessing our site

Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our site without notice. We will not be liable if for any reason our site is unavailable at any time or for any period.

We restrict access to some parts of our site to our clients and, from time to time, we may change the restricted areas or restrict access to the entire site.

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 of use.

You are responsible for making all arrangements necessary for you to have access to our site.  You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms, and that they comply with them.

Our site changes regularly

We aim to update our site regularly, and may change the content at any time and without notice. If the need arises, we may suspend access to our site, or close it indefinitely. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material but we shall endeavour to make you aware of when the material was last updated.

Information about you and your visits to our site

All information received by us from you and/or your use of our site will be used in accordance with our privacy policy. We respect the personal information provided by you. We will only transfer this information in accordance with our privacy policy and as may be required to provide services to you.

Links to other websites

Our website contains links to other third party websites. These links are provided for your information only. They do not signify that we endorse the websites. We have no control over the content of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.

Computer misuse

We recommend that you employ reasonable virus detection and protection measures when accessing the pages of our site.

We will not be liable for any loss or damage resulting from any attack by a third party on our systems or for any computer virus or other malicious or 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 must not misuse our site by knowingly introducing viruses or other malicious or technologically harmful material. You must not 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 site. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

Clients

The client only areas of our site are made available to our clients as part of their service and the use of the materials made available in those areas is governed by the service agreement between us and each client.

If you wish to become a client you should contact us at the address detailed below or e-mail us at enquiries@wealthcare.co.uk.

We reserve the right to suspend or cancel your access to the client areas of our site if you fail to make any payments due in respect of your service or your service agreement is terminated for any other reason.

You must not permit or assist any third party who is not a client to access the client only areas. If you believe someone may be using your user identification code and password fraudulently you should notify us immediately at the address detailed below or e-mail us at enquiries@wealthcare.co.uk.

Limitation of liability

Commentary and other materials posted on the public and client only areas of our site are not intended to amount to advice on which reliance should be placed.  We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.

In addition, we do not warrant that our site or its contents are virus free or that the client only areas are compatible with your software or computer configuration. We accept no liability for any loss or damage of whatever nature you may suffer in the event of an infection or contamination by a virus or similar computer code designed to adversely affect the operation of any computer software or hardware. You are solely responsible for protecting your hardware, software and system from such attacks.

Changes to our terms and conditions policy

We may change this policy from time to time by updating this page.
You should revisit this page regularly to ensure that you have seen and are aware of the current terms and you are happy with any changes.
This terms and conditions policy was last updated on 12.04.18.

How to contact us

Please contact us if you have any questions about our terms and conditions policy:

The Compliance Officer
Wealthcare Limited
4 Castlecroft Court
Castlecroft Road
Bury
BL9 0LN

Email: enquiries@wealthcare.co.uk

Tel: 0161 348 7100

A SAMPLE OF OUR PARTNERS…

My wife and I are now both retired and have relied on Wealthcare for guidance and advice on pensions, our investments and on a wide range of financial issues. We have never been failed and the advice has always been prompt, reliable, professional and, equally as important, explained in non financial jargon thereby making understanding so much simpler.

Mr & Mrs Franks - Individual Clients

Both myself and my business partner Andrew have used Wealthcare for a number of years now and cannot recommend them highly enough. They've arranged plans which protect us in several areas including life insurance, critical injury and key man cover, Stephen also organised for a shareholders' agreement to be put in place for extra peace of mind.

Sizzle Creative Agency Limited

It wasn’t hard to choose Wealthcare from the list of brokers eager to win our business. From the very start, they sought to understand our company’s particular needs and (importantly) how I choose to work. They listen and deliver. Available to discuss any query, they are friendly, easy to communicate with, responsive, and always looking to go the extra mile to meet our expectations. How could I do anything other than heartily recommend this excellent organisation.

Timpson Limited

The Healthcare team have been a pleasure to deal with as they have made the process of sorting out and managing our PMI straightforward and simple. The Claims and Admin staff are very knowledgeable and will always go the extra mile.

Hodgsons Chartered Accountants

Both Michelle and Rachael have been fantastic. Thank you from the bottom of my heart. I will always recommend you and your company, you have been nothing but supportive, professional, diligent and great fun.

David Smith, Smith and Jones Management

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