These terms and conditions govern the use you may make of this website. Please read these terms carefully. By using this website you are accepting these terms and conditions. You must NOT use our website if you do not agree to these terms and conditions; or you are under 18 or you are not a UK resident

Information about us and our website

This website is provided by Calm Money Limited  (herein referred to as Calm Money), a limited company registered in England and Wales (number 07471138).  The address for this website is Calm Money, The Meads Business Centre, Kingsmead, Farnborough, Hants, GU14 7SJ. Calm Money is an Introducer Appointed Representative of Johnston Gray Wardrop Limited (JGW). JGW is registered in Scotland, company number 124010, and is authorised and regulated by the Financial Conduct Authority, number 165729.  You can find out more by contacting us. Please use the "Contact Us" link at the bottom of all our web pages.

Our Service

This website is intended to provide you with Mortgage Pensions and Life assurance knowledge and products to assist you in reaching your financial goals. We seek to ensure the tools and information we provide allow you to simply understand financial products. For brevity, we give a brief and general description of all the products and tools available on this website, but this is not a substitute for receiving advice. Tailored, specialist and whole of market advice is available from our independent advisers and we encourage you use this service before making any financial decisions.

Our website service and your inital consulatation with one of our advisers is free. Subsequently, any fees chargeable are agreed by you before you incur any charge. .

Your access to and use of our website and content

You may only use this website for personal purposes and you must not use this website:

  • For commercial purposes.
  • For any fraudulent or illegal purpose.
  • On behalf of someone else such as to create, check, modify or amend another person's record or enquiry.
  • To harm, intimidate or harass, embarrass or defame another person, or in a way that invades another person's privacy.
  • To post any obscene or offensive material (as determined by us).
  • To tamper with, modify, reverse engineer or amend any part of this website.
  • In a way that interferes with our communications and technical systems (as determined by us).
  • Using any 'screen scraping' or automated software, process, program, system robot, web crawler, spider, data mining or trawler.

We will always try to provide you with uninterrupted access to our website, but we cannot make any promises about this and may terminate, suspend or restrict your access to our website at any time if this is if we determine this is required for security, legal or business reasons.

Our website changes regularly

We make every reasonable effort to ensure that the content available to you on our website is up-to-date and accurate and for this reason we make changes to our website on a daily basis. Accordingly it is not possible to notify you about any changes that we make to our website.

Changes to these Terms of use

We may need to amend or change our terms of use from time to time. You will still need to agree to them, so you should check this document each time you use our website. It is important that you do this because if you keep using our website, we will assume that you have agreed to any changes that we have made to our terms and conditions. The Calm Money name and logo are intellectual property and our trademark. All other logos, trademarks and material we display on our website along with the software, know how and processes we use to run our website belong to Calm Money. This means all copyright, design rights, patents, inventions, trading names, service marks and trademarks, logos, domain names, moral rights, database rights, data, source code, software, specifications, know how, processes and business methods (in all cases whether registered or unregistered and including all rights to apply for registration) in and relating to this website are owned by or licensed to us. For the purposes of this section, we will call this "our IT".

You agree that we make our IT available to you for your personal use only. We will allow you to use our IT for your personal, non-commercial use including temporarily printing off one copy, downloading or storing extracts from our website on the condition that you:

  • Do not link to any part of our website.
  • Do not print or download any logos, trademarks, service marks or image except as part of the complete web-page of which they form a part.

We will allow you to print off one copy, and download extracts, of any page(s) from our website for your personal non-commercial use only. However if you do this, our status (and that of any identified contributors) as the authors of the material must always be clearly acknowledged. You retain ownership of all the material you submit or make available on our website. You grant us a perpetual, irrevocable, worldwide, royalty-free, transferable and unlimited licence to use, modify, copy, distribute, publish, transmit such information in any manner and for any purpose but always in accordance with our Privacy Policy.

Responsibilities

This section is very important as it sets out your responsibilities and our liabilities to you. You are responsible for ensuring any information that you provide us:

  • Is correct, complete, accurate and not misleading.
  • Does not violate any law.
  • Is not harmful, fraudulent, defamatory or otherwise offensive.

If you provide feedback on our website or if we ask you to insert information about yourself or circumstances, you are solely responsible for ensuring that all information you provide is correct, complete, accurate and not misleading and that you disclose all relevant facts. We are not responsible or liable to you for any loss or damage you may suffer or incur in connection with your failure to ensure such information is correct and not misleading.

You are responsible for ensuring that any third party that you may wish to contract with has the correct information about you. It is very important that you ensure that all the information held by the third party about you is correct, complete and not misleading and that you have disclosed all relevant facts. It is your responsibility to identify and correct any mistakes or errors in the information, content, material or data held by the third party about you before you obtain any product or service from the third party. Failure to do so could invalidate the product or service provided by the third party and we are not responsible or liable to you for any loss or damage

You may suffer or incur in connection with your failure to ensure such information is correct and not misleading.You are responsible for ensuring that you understand and agree with the terms and conditions of the third party that will be providing the product or service to you before entering into that contract. Our website allows you to apply for a number of products and services. These products and services are all provided by third parties and not us. If you apply for and obtain any product or service, you will be contracting with a third party that will be providing that product or service to you on their own terms and conditions. The application process may involve your clicking on links in either our website or in an email we have sent to you as part of our service to the websites of third parties. These websites are owned by third parties over whom we have no control. Further to that the websites are subject to the third party's privacy policy and terms and conditions. Your access and use of these websites is at your sole risk and it is your responsibility to ensure that you understand and agree with the terms and conditions of the third party whose website you access or use. It is also your responsibility to understand and agree with the terms and conditions which relate to the specific product or service to you before enter into that contract. Accordingly, we are not responsible or liable to you for any loss or damage you may suffer or incur in connection with your use of any third party website or in connection with any contract entered into by you with any third party in relation to any product or service. You are responsible for making your own enquiries to check that the product or service that you want to apply for is accurate, complete and up-to-date and meets your needs. Our website contains a lot of information and descriptions about the products and services which you may apply for. This information may not provide a complete description of all the features, terms and conditions applicable to those products. Further much of the information is provided by third party product or service providers and we do not monitor, verify or endorse the information and it may be inaccurate, incomplete or out of date. Although we use reasonable endeavours to ensure that the information on our website is reliable and try to correct any errors or omissions as soon as practicable after being made aware of them, it is your responsibility to check that such information is accurate, complete and up to date. Accordingly, we are not responsible or liable to you for any loss or damage you may suffer or incur in connection with, the details we provide on our website with respect to any product or service provided by third parties which you did not check individually and/or do not meet your needs for any reason.

You are responsible for ensuring that you have appropriate virus checking software on your computer. We cannot guarantee that our website is uncorrupted or free from viruses which may harm your computer and are not responsible or liable to you for any loss or damage you may suffer in this regard where caused by any third party We do not seek to exclude or limit any liability that cannot be limited or excluded under any applicable law. This includes our liability for things such as fraud, death or personal injury caused by negligence. We shall not be liable to you for any loss of income, revenue, business, profits or contract, anticipated savings, data, goodwill or opportunity, direct, indirect or consequential loss or damage incurred by you in connection with any access, use, or inability to access or use our website where:

  • You have not complied with any part of these terms and conditions.
  • We are not in breach of a legal duty of care owed to you by us or by any of our employees or agents,
  • The loss or damage you suffered by our breach of these terms and conditions was not reasonably foreseeable,
  • To the extent that you have contributed to your loss or damage by failing to act reasonably in the circumstances or by failing to take reasonable steps to mitigate your loss or damage. If you use our website, it is reasonable for us to expect that you will adhere to these terms and conditions. If we think you have breached any of these terms and conditions or demonstrated inappropriate conduct when using our website, we may take measures to terminate or suspend your access to the website.

Complaints and Contacting us

Our aim is to at all times provide you with an excellent service. However, if you are unhappy with our service for any reason, please contact us by using the "Contact Us" link at the bottom of any of our web pages. Alternatively, you can write to us at: Calm Money, The Meads Business Centre, Kingsmead, Farnborough, Hants, GU14 7SJ

We will endeavour to acknowledge receipt of your complaint, in writing, within five business days and we will inform you of the name or job title of the individual handling the complaint. We aim to resolve complaints at the earliest opportunity.

If you are unhappy with any product or service that you have been introduced to through our website, we recommend that you approach the provider of that product or service directly. If you require any provider's contact details, please contact us and we will be happy to assist.

Miscellaneous

These terms and conditions replace any previous terms and conditions regarding the use of our website. These terms and conditions are subject to English law and the exclusive jurisdiction of the English courts. If you have any questions about these terms and conditions or have a general query about the services that we provide, please get in touch. You can find our contact details by clicking on "Contact us".

Thank you for visiting our website