PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE
Who we are and how to contact us
The site is operated by FP Advance Limited (“We”). We are registered in England and Wales under company number 05374616 and have our registered office at 30 City Road London EC1Y 2AB. Our VAT number is 858 2482 90.
To contact us, please see the contact details at: https://fpadvance.com/contact/.
By using our site you accept these Website Terms
By using our site, you confirm that you accept these Website Terms and that you agree to comply with them. If you do not agree to these Website Terms, you must not use our site.
If you purchase a subscription or membership or any services from our site, our Terms of Business will apply to your purchase. In the event of any conflict between these Website Terms and our Terms of Business, the Terms of Business will prevail.
We may make changes to these Website Terms
We amend these Website Terms from time to time. Every time you wish to use our site, please check these Website Terms to ensure you understand the terms that apply at that time.
We may make changes to our site
We may update and change our site from time to time, including to reflect changes to our services, our users’ needs and/or our business priorities.
We may suspend or withdraw our site
Except in relation to our paid-for services referred to on our site, our site is made available free of charge. We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons.
You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these Website Terms and other applicable terms and conditions, and that they comply with them.
We may transfer this agreement to someone else
We may transfer our rights and obligations under these Website Terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.
You must keep your account details safe
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. 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 reasonable opinion you have failed to comply with any of the provisions of these Website Terms.
If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us using the contact details at: https://fpadvance.com/contact/.
How you may use material on our site
We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
You may print off copies, and may download extracts, of any content on our site for your own personal use and/or internal business purposes, and you may draw the attention of others within your organisation to content posted on our site.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.
You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.
If you print off, copy or download any part of our site in breach of these Website Terms, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
Do not rely on information on this site
The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.
Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.
We are not responsible for websites we link to
Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval or endorsement by us of those linked websites or information you may obtain from them.
We have no control over the contents of those sites or resources.
Our responsibility for loss or damage suffered by you
- We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.
- We exclude all implied conditions, warranties, representations or other terms that may apply to our site or any content on it.
- We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with: (a) use of, or inability to use, our site; or (b) use of or reliance on any content displayed on our site.
- In particular, we will not be liable for:
- loss of profits, sales, business, or revenue;
- business interruption;
- loss of anticipated savings;
- loss of business opportunity, goodwill or reputation; or
- any indirect or consequential loss or damage.
We are not responsible for viruses and you must not introduce them
We do not guarantee that our site will be secure or free from bugs or viruses.
You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software.
You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that 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 may be committing a criminal offence under the Computer Misuse Act 1990. We may 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.
Content uploaded by users
The website or our members forums may include information and/or materials uploaded by other users. This information and these materials have not been verified or approved by us. The views expressed by other users do not represent our views or values. If you wish to complain about any content uploaded by other users, please contact us using the contact details referred to above.
Any content or other materials which you upload via our site or any part of it (including our member forum) must:
- be accurate (where it states facts) and not deceptive or misleading in any way;
- be genuinely held (where it states opinions);
- comply with all applicable laws;
- not be defamatory, obscene, offensive, hateful, inflammatory or discriminatory;
- not bully, insult, intimidate, humiliate, threaten, harass, or abuse anyone;
- not invade another’s privacy, or cause annoyance, inconvenience or needless anxiety;
- promote violence or sexually explicit material;
- not infringe any intellectual property rights;
- not breach any legal duty owed to a third party;
- not give the impression that it emanates or is endorsed by us, if this is not the case;
- not contain any advertising or promote any services or web links to other sites.
We are under no obligation to oversee, monitor or moderate any of our interactive services on the site, and we expressly exclude our liability for any loss or damage arising from the use of any such interactive services by a user, whether the service is moderated or not. When we consider that a breach of this section has occurred, we may take such action as we deem appropriate.
Failure to comply with this section constitutes a material breach of these Website Terms and may result in us removing the applicable content and/or immediately withdrawing your right to use our site. In such case, we also reserve our right to terminate any applicable membership which you may have entered into.
Any content or other material uploaded to our site or any part of it will be considered non-confidential and non-proprietary. You retain all of your ownership rights in such content, and you hereby grant us and other users of our site a worldwide, perpetual, non-exclusive, royalty-free, transferable licence to use, reproduce, distribute, prepare derivative works of, display, and perform such content for any purpose.
You are solely responsible for securing and backing up your content.
Rules about linking to our site
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.
You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. Our site must not be framed on any other site.
We reserve the right to withdraw linking permission without notice.
Which country’s laws apply to any disputes?
These Website Terms, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.
Terms last updated: 5th October 2020.