These terms and conditions govern your use of this website; by using this 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 this website.
License to use website
Unless otherwise stated, Intelligent Money and/or its licensors own the intellectual property rights of this website including all text, downloads and the Intelligent Money logo in the website. Subject to the license below, all these intellectual property rights are reserved.
You may view, download for caching purposes only, and print pages from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.
You must not:
- republish material from this website (including republication on another website);
- sell, rent or sub-license material from the website;
- show any material from the website in public;
- reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose;
- edit or otherwise modify any material on the website; or
- redistribute material from this website except for content specifically and expressly made available for redistribution. This content is limited to all documents made available in our Literature Library.
Where content is specifically made available for redistribution, it may only be redistributed within your organisation and where appropriate to your clients.
The IM Logo and Our Key People photographs and biogs are exempt from the above and are all released under a free license and classed as being in the public domain.
You must not use this 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 this 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 this website without Intelligent Money’s express written consent.
You must not use this website to transmit or send unsolicited commercial communications.
You must not use this website for any purposes related to marketing without Intelligent Money’s express written consent.
Access to certain areas of this website is restricted. Intelligent Money reserves the right to restrict access to areas of this website, or indeed this entire website, at Intelligent Money’s discretion.
If Intelligent Money provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential.
Intelligent Money may disable your user ID and password in Intelligent Money’s sole discretion without notice or explanation.
In these terms and conditions, “your user content” means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to this website, for whatever purpose.
You grant to Intelligent Money a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to Intelligent Money the right to sub-license these rights, and the right to bring an action for infringement of these rights.
Your user content must not be illegal or unlawful, must not infringe any third party’s legal rights, and must not be capable of giving rise to legal action whether against you or Intelligent Money or a third party (in each case under any applicable law).
You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.
Intelligent Money reserves the right to edit or remove any material submitted to this website, or stored on Intelligent Money’s servers, or hosted or published upon this website.
Notwithstanding Intelligent Money’s rights under these terms and conditions in relation to user content, Intelligent Money does not undertake to monitor the submission of such content to, or the publication of such content on, this website.
This website is provided “as is” without any representations or warranties, express or implied. Intelligent Money makes no representations or warranties in relation to this website or the information and materials provided on this website.
Nothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any matter you should consult an appropriate professional.
Limitations of liability
Intelligent Money will not be liable to you (whether under the law of contract, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:
- to the extent that the website is provided free-of-charge, for any direct loss;
- for any indirect, special or consequential loss; or
- for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.
These limitations of liability apply even if Intelligent Money has been expressly advised of the potential loss.
Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit Intelligent Money’s liability in respect of any:
- death or personal injury caused by Intelligent Money’s negligence;
- fraud or fraudulent misrepresentation on the part of Intelligent Money; or
- matter which it would be illegal or unlawful for Intelligent Money to exclude or limit, or to attempt or purport to exclude or limit, its liability.
By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable.
If you do not think they are reasonable, you must not use this website.
You accept that, as a limited liability entity, Intelligent Money has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against Intelligent Money’s officers or employees in respect of any losses you suffer in connection with the website.
Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this website disclaimer will protect Intelligent Money’s officers, employees, agents, subsidiaries, successors, assigns and sub-contractors as well as Intelligent Money.
Certain images used on this website have been open sourced from the public domain. If you are the legal owner of any such image that is copyright protected please contact us immediately. It is never our intention to conflict with any copyright laws and we will remove such images (or enter into a copyright agreement to continue usage) immediately upon notification.
If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.
You hereby indemnify Intelligent Money and undertake to keep Intelligent Money indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by Intelligent Money to a third party in settlement of a claim or dispute on the advice of Intelligent Money’s legal advisers) incurred or suffered by Intelligent Money 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].
Breaches of these terms and conditions
Without prejudice to Intelligent Money’s other rights under these terms and conditions, if you breach these terms and conditions in any way, Intelligent Money may take such action as it deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.
Intelligent Money may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website. Please check this page regularly to ensure you are familiar with the current version.
Intelligent Money may transfer, sub-contract or otherwise deal with Intelligent Money’s 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.
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.
These terms and conditions constitute the entire agreement between you and Intelligent Money in relation to your use of this website, and supersede all previous agreements in respect of your use of this website.
Law and jurisdiction
These terms and conditions will be governed by and construed in accordance with the laws of England and any disputes relating to these terms and conditions will be subject to the exclusive jurisdiction of the English courts.
Registrations and Authorisations
Intelligent Money is registered with and authorised by The Financial Conduct Authority. You can find the online version of the register at https://register.fca.org.uk/. Intelligent Money’s registration number is 219473.
Intelligent Money’s details
The full name of Intelligent Money is Intelligent Money Limited.
Intelligent Money is registered in England and Wales under company registration number 04398291.
Intelligent Money’s registered address is The Shire Hall, High Pavement, Nottingham, NG1 1HN.
You can contact Intelligent Money by email to firstname.lastname@example.org