Terms and Conditions

About us
Friends Capital Limited is registered in England and Wales.
Registered number: 08902973.
Registered Office: 5 Cherrytree, Union Road, Sheffield S11 9EF
Friends Capital Limited is authorised and regulated by Financial Conduct Authority, Reference Number: 650114.

Terms of Website Use
Welcome to our website. 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 Friends Capital Ltd’s relationship with you in relation to this website. If you disagree with any part of these terms and conditions, please do not use our website.

The term ‘Friends Capital Ltd’ or ‘us’ or ‘we’ refers to the owner of the website. The term ‘you’ refers to the user or viewer of our website.
The use of this website is subject to the following terms of use:
The content of the pages of this website is for your general information and use only. It is subject to change without notice.

Legal
The products and services featured are only available to residents of the United Kingdom aged over 18 and are subject to status.

Accessing our sites
Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide to our site without notice (see below). We will not be liable if, for any reason, our site is unavailable at any time for any period.
From time to time we may restrict access to some parts of our site to users who have registered with us.

Reliance on information
Commentary and other materials posted on 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.

Content and information supplied by third parties other than Friends Capital limited is identified clearly where it appears. We will publish this content as supplied to us and we are not responsible for its accuracy or timeliness. You must take appropriate steps to verify this information before acting upon it.

Our liability
Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby exclude:
All conditions, warranties and other terms which might otherwise be implied by statute, common law or law of equity. Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use or results of the use of our site, any websites linked to it and any materials posted on it, including, without limitation liability for:

  • Loss of income or revenue
  • Loss of business
  • Loss of profits or contracts
  • Loss of anticipated savings
  • Loss of data
  • Loss of goodwill
  • Wasted management or office time

Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.
For any other loss or damage of any kind, howsoever arising and whether caused by torte (including negligence), breach of contract or otherwise, even if foreseeable.

This does not affect our liability which cannot be excluded or limited under applicable law.

Intellectual property rights
This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.
We own the copyright in the content published on the website except where otherwise indicated by a third party’s proprietary notice. Images, trademarks and brands are also protected by other intellectual property laws and may not be reproduced or appropriated in any manner without written permission of their respective owners unless specifically prohibited by a notice published on any page, you may make a print copy of such parts of the website as you may reasonably require for your own personal use provided that any copy has attached to it any relevant proprietary notices and/or disclaimers. All other use is prohibited.

Transactions concluded through our site
Contracts for the supply of services or information formed through our site or as a result of visits made by you are governed by any specific terms and conditions of supply relating to the particular service or information supplied.

Information about you 
We process information about you in accordance with our privacy policy. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.

Links to third party sites
Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. They do not signify that we endorse the website(s). We have no control over the contents 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.

Viruses and internet offences
You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. 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. You must not attack our site via a denial of service attack or a distributed denial of service attack. 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.

We will not be liable for any loss or damage caused by a distributed denial of service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programmes, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or any website linked to it.

Site changes 
We aim to update our site regularly and change the content at any time. 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.

Revision of terms
We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we have made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.

The English courts will have exclusive jurisdiction over any claim arising from, or relating to, a visit to our site. These terms of use are governed by English Law.

Your concerns

By post:
Friends Capital Ltd
Beehive Works
Milton Street
Sheffield
S3 7WL

By phone: 0114 303 1031
By email: info@friendscapital.co.uk

We will try to reply to your email address unless we need to refer to confidential information or enclose copies of important documents, in which case we will contact you by post.

Timescales
We will do our best to resolve your complaint immediately. Failing that, we always aim to resolve your complaint by the following day.
Sometimes it may take longer to fully investigate your concerns. Where this is the case, this is what we will do:
– We will send you a written acknowledgement of your complaint as promptly as possible.
– We will inform you of the name of the person handling your complaint and the reason it is taking longer and when you can expect a full response.
– If your complaint will take longer to investigate, we aim to find a solution as soon as we can. If we are unable to do so, we will write explaining what is happening and when we expect to resolve your complaint.
– After eight weeks we will send you a final response or a thorough progress report.
– We will keep you informed of what is being done to resolve your concerns at every step.
We aim to resolve complaints as quickly as possible and to your complete satisfaction. If, for whatever reason, you are unhappy with the response from us please get in touch directly with the person handling your complaint. They will then agree the next steps with you.

Independent Review of your Complaint
If you remain dissatisfied, you can request a free independent review from the Finance Ombudsman Service.

They can be contacted;

By Post: The Financial Ombudsman Service,
South Quay Plaza, 183 Marsh Wall,
London, E14 9SR
By phone: 0300 123 9 123
By email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk