1. Your use of this website
1.4 This website and its content (and any services or products mentioned on it) is currently intended to be accessed and used from the United Kingdom (UK). We do not represent that content available on or through our website is appropriate for use outside the UK, or that it complies with any other laws.
1.5 This website and its content (and any services or products mentioned on it) is currently intended to be accessed and used only by UK professional independent financial advisers being users of the Transact wrap platform on www.transact-online.co.uk . It is not intended to be accessed and used by individuals in their private capacities.
2. Information about us and how to contact us
2.2 Vertus Capital Limited is a private limited company registered in England and Wales with company number 10433861 and whose registered office is at: Building 1, Chalfont Park, Gerrards Cross SL9 0BG.
2.3 Vertus Capital SPV1 Limited is a private limited company registered in England and Wales with company number 10294991 and whose registered office is at: Building 1, Chalfont Park, Gerrards Cross SL9 0BG.
3. Use, security and privacy
3.3 We are the owner of all intellectual property rights in our website, and in the materials published on it. Those works are protected by copyrights laws and treaties around the world. All such rights are reserved.
3.4 We do not guarantee that our website will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes and platform to access our website. You should use your own virus protection software. You must not misuse our website 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 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.
4. Not financial advice
4.1 The content of the website and all resources you can access through the website is provided for general information only. It is not intended to amount to professional or financial advice on which you should rely and you must be a UK professional adviser being a user of the Transact wrap platform on www.transact-online.co.uk in order to be able to access our website’s resources and materials. If you choose to rely in any way on the information or content on this website, you do so at your own risk, and should take independent advice from a suitably qualified professional adviser(s) before doing so.
4.2 We are not authorised by the Financial Conduct Authority (“FCA”) for the purposes of the Financial Services and Markets Act 2000 (“FSMA”) (as amended) and the FSMA (Regulated Activities) Order 2001 (“RAO”).
4.3 We do not participate in advice for lending, credit information or any other information regarding loan consolidation. You should consult with a professional financial adviser authorised by the FCA who specialises in advising on credit and lending matters. In the event that we agree to make a loan to you, any such loan must be for business purposes and will therefore be exempt from regulation as a credit agreement for the purposes of FSMA and the RAO. You will be asked to confirm that any loan is for business purposes in the loan agreement. There is however no guarantee that a loan would be granted to you should you apply.
5. Availability, content and accuracy of information
5.1 This website is made available free of charge. The information and content on this website is provided on an “as is” and “as available” basis. Although we make reasonable efforts to ensure that the information and content on this website is correct, we give no representations, warranties or guarantees that the content of this website is accurate, complete or up to date, or that the website or its content will always be available, uninterrupted, free of viruses, malware, errors or defects, or that it will meet your requirements.
5.2 We may suspend or withdraw or restrict the availability of all or any part of this website for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.
5.3 Any communications which we and you send over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration, for which we are not responsible.
5.4 We do not necessarily share the opinions expressed on, or endorse the material appearing in, external content published on this website.
5.5 We may make changes to the content of this website, including to the descriptions of products and services advertised, to reflect changes to our products and services, our users’ needs and our business information, processes and priorities, at any time and without notice.
6. Our liability
6.1 We do not exclude or limit 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 for fraud. Where you are a consumer, none of your statutory rights as a consumer that cannot be excluded or limited are affected.
6.2 As a UK business user, or using the website or its content for commercial purposes, except as provided above, to the fullest extent permitted by law, we:
exclude all representations, warranties and implied terms relating to this website and its contents, including in relation to any inaccuracies or omissions in this website; and
exclude all liability for loss or damage arising out of or in connection with your use of this website. This includes, without limitation, direct loss, loss of business or profits (whether or not the loss of such profits was foreseeable, arose in the normal course of things or you have advised us of the possibility of such potential loss) and indirect, consequential and incidental damages; and
will not be responsible for any loss or damage arising under or in connection with your use of this website or your use of, or reliance on, any of the content contained on this website.
7. Intellectual property rights
7.1 All intellectual property rights in this website, and the contents, resources and materials contained on it, are owned or licensed by us. Those works are protected by copyrights laws and treaties around the world. All such rights are reserved. Vertus Capital’s logo and name, and the names of our products and services featured on this website are part of Vertus Capital’s brand.
7.2 All website design, text, graphics, other content, their selection and arrangement, and all software, apps, underlying source code, and all other material on this website are copyright of Vertus Capital, or its related companies or licensors with all rights reserved.
7.3 You may print off one copy of our website’s resources and materials for your sole personal information and use as a UK professional independent adviser being a user of the Transact wrap platform on www.transact-online.co.uk. You must not alter anything, share it with anybody else, or use it for business, commercial, or any other purposes, unless you first get our written permission.
8. Products and services
8.1 Our products and services listed on this website are subject to the specific terms applicable to the relevant product or service, which will be provided to you separately before your purchase of the product or service.
8.2 The products and services represented within this website are intended for UK business users only.
9. Links to and from this website
9.2 Where this website contains links to other sites and resources provided by third parties, we do not have control over or monitor or review the content of other parties’ websites that are linked from this website, and take no responsibility for them. Opinions expressed or material appearing on such websites are not necessarily shared or endorsed by us. We are not the publisher of such opinions or material.
10. Third party content and advertising
10.1 Pages on this website may contain contents and advertisements placed by third parties. We are not responsible for such contents or the advertisements. Clicking on the links contained in any advertisements or third-party contents may take you to third party websites over which we have no control and we are not responsible for the contents of these third-party websites.
11.2 This website is designed for use in the UK and is not directed to, nor intended for distribution or use by, any person or entity in any jurisdiction or country where the publication or availability of the website or such distribution or use would be contrary to local law or regulation. If you choose to access information on this website, it is your responsibility to comply with the applicable local, national or international laws and any use of this website outside the UK is entirely at your own risk. For guidance relating to your specific situation, please contact your legal adviser.