Website usage terms and conditions

Welcome to the SM Financial Advice 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 our 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.

Terms of Use

Content

The content of the pages of this website is for your general information and use only. It is provided on an 'as-is' and 'as-available' basis and is subject to change without notice.

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 mistakes and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

This Website includes descriptions of services offered by us. These are for information only and while reasonable efforts are taken to ensure that they are accurate and up-to-date, errors do occur and we cannot guarantee that they are correct.

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.

Cookies

This website uses 'cookies' to monitor browsing preferences and for collecting and analysing usage statistics so that we can improve your browsing experience. No personal data is retained for this purpose.

Cookies are small text files that are placed on your computer's hard drive by your web browser when you visit any website. They allow information gathered on one web page to be stored until it is needed for use on another, allowing a website to provide you with a personalised experience and the website owner with statistics about how you use the website so that it can be improved.

Some cookies may last for a defined period of time, such as one day or until you close your browser. Others last indefinitely.

Your web browser should allow you to delete any you choose. It also should allow you to prevent or limit their use.

Our website uses cookies. They are placed by software that operates on our servers, and by software operated by third parties whose services we use.

When you first visit our website, we ask you whether you wish us to use cookies. If you choose not to accept them, we shall not use them for your visit except to record that you have not consented to their use for any other purpose.

If choose not to use cookies or you prevent their use through your browser settings, you may not be able to use all the functionality of our website.

We use cookies in the following ways:

  1. to track how you use our website
  2. to record whether you have seen specific messages we display on our website
  3. to keep you signed-in to our site
  4. to record your answers to surveys and questionnaires on our site while you complete them
  5. to record the conversation thread during a live chat with our support team

Intellectual Property

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 (see below).

All trademarks reproduced in this website, which are not the property of, or licensed to us, are acknowledged.

Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.

Copyright

This website and its content is copyright  © SM Financial Advice 2018. All rights reserved, unless otherwise specified.

Any redistribution or reproduction of part or all of the contents in any form is prohibited other than the following:

  • you may print or download to a local device extracts for your personal and non-commercial business use only
  • you may copy the content to individual third parties for their personal use, but only if you acknowledge the website as the source of the material

You may not, except with our express written permission, distribute or commercially exploit the content. Nor may you transmit it or store it in any other website or other form of electronic retrieval system.

External Links

This website includes links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse these website(s). We have no control over or responsibility for the content of the linked website(s).

Severability

If a provision of this Agreement is or becomes illegal, invalid or unenforceable that shall not affect the validity or enforceability of any other provision of this Agreement.

Applicable Law and Jurisdiction

Your use of this website and any dispute arising out of such use of the website is subject to the laws of Scotland and the jurisdiction of the Scottish courts.