Terms of Service

Last updated 22nd September 2017


1. Who, What & Why?

This Terms of Service is produced by QS Financial Planning Solutions Ltd (“we”) for users (“you”) of our website.  You should not use our website unless you agree to the Terms of Service and you also agree to your data being processed in the manner laid out in the Privacy Policy document.


2. Use of Our Website

Our website is provided for general information purposes only.  It does not offer specific advice and you should speak to a financial adviser before making any financial decision.


3. Your Responsibilities

You represent that you have the legal capacity to be able to agree to these terms and understand that they are governed by the laws of the United Kingdom and any dispute is to be held in the courts of the United Kingdom.  You agree that the use of our website is for personal use only and that any personal information you provide to us must be your own.


4. Change and Suspension of Service

We may change, terminate or suspend access to our website at our discretion at any time and without prior notice.  Any provisions of these terms which by their nature are not limited to the availability of website and should continue past termination will do so, in particular but not limited to Ownership of Website, Limitations of Liability and Indemnity.


5. Ownership of Website

We own our website entirely and retain full control over its use.  Copyright is fully upheld wherever it applies.  You may not present yourself or anyone else as owner or manager of our website.  You may not make any copies or derivatives of our website.  You may not use any of our website or content in any way other than the intended use as laid out in this document.  Some of our content may be attributed to others and we do not claim ownership, control or responsibility of this content.


6. Limitations of Liability

You accept that you use our website entirely at your own risk.  We can not be held responsible for any harm or loss to yourself or other, any damages to any property or any legal repercussions from the use or improper use of our website.

Digital Security
While we take reasonable steps to secure our website from malicious intent, we can not guarantee that the website is free from viruses or other malicious content and we can not fully guarantee the security of any data you provide to us.  You agree that we are not responsible for the results of malicious actions by 3rd parties, including but not limited to financial loss and the release or loss of data you have provided to us.

External Services
Our website may contain linked to 3rd party services which we have no control over.  As such we can not take responsibility for their content, privacy policies, or practices.  Our Limitations of Liability apply to the use or improper use of these 3rd party services and any reliance on the availability of their services which we can not guarantee.

Our website is provided by humans and mistakes can happen.  By using our website you agree that this is the case and accept the risk; we do not take any responsibility for any loss or damage caused by mistake or negligence by us or 3rd parties.


7. Level of Service & Availability

As Is
Our website is provided on an “As Is” basis.  We do not represent or guarantee any level of service to you.  We may alter anything about the website at any time including the type, content and availability.

As Available
Our website is provided on an “As Available” basis.  We do not represent or guarantee that our website will be available at all times or be available at any time at all.  We are not responsible for any loss or damage caused by our website being unavailable.


8. Indemnity

To the maximum extent permitted by law, you agree to defend, indemnify, and hold QS Financial Planning Solutions Ltd, its officers, directors, employees and agents, harmless from and against any and all claims, actions, suits or proceedings, as well as any and all losses, liabilities, damages, costs and expenses, including, without limitation, reasonable legal and accounting fees, arising out of or in any way connected with: (i) your access to or use of our website; or (ii) your violation of the terms.


9. Validity of Terms

If any provision of these terms is held invalid or unenforceable, that provision may be modified to the extent necessary to render it enforceable without losing its intent.  If no such modification is possible, that provision will be severed from the rest of this agreement.  If we do not enforce any right or provision of terms it is not to be deemed a waiver of our right to do so in the future.


10. Changes to the Terms of Service

We reserve the right to change this Terms of Service from time to time to better reflect the current circumstances.  Any changes will be made visible by revising the date at the top of this document.  We encourage you to review the Terms of Service whenever you access or use our website in order to understand how your information may be collected, used or shared.  If you use our website we must assume that you have consented to the most up to date Terms of Service.


11. Contact Us

If you have any queries relating to this Terms of Service, email info@qsfinancial.co.uk


This is the end of the document