These are the Alliance Trust Savings Limited general terms and conditions for this website. Please read these terms and conditions carefully as your use of the website is subject to and governed by them.
1. Company Information
Alliance Trust Savings Limited (company number SC98767) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, firm reference number 116115.
Alliance Trust Savings Limited’s registered office is:
PO Box 164
8 West Marketgait
We are a member firm of the London Stock Exchange and ISDX, and are regulated as an independent agency stockbroker, in the provision of both stockbroking and other investment services.
The use of the name 'Alliance Trust Savings Limited' and the ‘Alliance Trust Savings’ logo is with the permission of Alliance Trust PLC as previous owner of Alliance Trust Savings Limited.
2. Changes to these terms
We reserve the right to amend these terms from time to time. Every time you wish to use our website, please check these terms to ensure you understand the terms that apply at that time. If changes to these terms are made and you continue to use our website, we accept this to mean that you accept the changes.
3. About this website
This website is owned by Alliance Trust Savings. Elements of this website can only be accessed if you have one of our Accounts, or you are a professional adviser interested in our Accounts or services. The website is provided by us to promote the use of our products and services. We have used partners in the provision of certain information and tools, and their intellectual property remains with them unless otherwise stated.
Where the website 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 endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them. We have no control over the contents of those sites or resources, and take no responsibility for the information contained in them or for their accuracy.
All information contained on the website is for general informational use only and should not be relied upon by you in making any investment decision or giving financial advice to your clients without first verifying the information for your interests. As a result, use of the website is at your sole risk and we cannot accept any liability for loss or damage suffered by you arising from your use of information contained on the website. You should take adequate steps to verify for your purposes and circumstances the accuracy and completeness of any information contained on the website. Nothing in this information or elsewhere in this website shall exclude, restrict or limit our duties and liabilities under the Financial Services and Markets Act 2000 or any other requirements we are bound to comply with.
Information contained on the Website is not tailored by us for your personal or business use and as a result such information may be unsuitable for you and your investment decisions or advice you give.
The website includes links to external websites and Alliance Trust pages in order to provide you with access to information and services. We do not endorse such websites nor approve any content, information, goods or services provided by them and cannot accept any responsibility or liability for any loss or damage suffered by you as a result of your use of such websites.
The website is designed for use in the UK only and not in any jurisdiction or location where the publication or availability of the website or its contents would be contrary to local law or regulation. If you use the website outside the UK, you do so at your own risk and you alone shall be responsible for compliance with local regulations.
If you are an adviser you are confirming that you are authorised by the Financial Conduct Authority.
You are allowed to use any Data provided on this website for your own individual purposes and in your own personal (non-professional) capacity. You may only access the Data if you are an individual or a Small Business (being a legal entity that has fewer than 250 employees and an annual turnover of 50 million Euros or less). If you cannot comply with the foregoing statement you must stop using the Data or you may be liable to pay fees. You are not allowed to distribute the Data to anyone else or use the Data on behalf of or for the benefit of anyone else.
You acknowledge that in respect of Data on this website that any relevant third party information providers are the owners of the intellectual property rights in the Data, and that the Data is provided subject to the terms of an Agreement between us and those third parties. This may include restrictions and limitations of use of the Data. You may not remove any copyright or other proprietary notices incorporated into the Data.
You may not use or exploit the Data for:
- the purpose of creating (whether for your own purposes or on behalf of any other third party) any financial product or service:
the aim of which is to match the performance of any of the Data (including any Index or Index Value forming part of the Data);
- whose capital and/or income value is related to any of the Data (including any Index or Index Value forming part of the Data). or
any purpose that would require a separate licence from FTSE or a third party information provider.
4. Agreement of use
- browse the Site and view the information on it for personal, professional or other commercial purposes;
- print off pages from the Site to the extent reasonably necessary for your use of the Site in accordance with the above.
Provided that at all times you may not, subject to these terms and conditions:
- systematically copy (whether by printing off onto paper, storing on disk or in any other way) substantial parts of the website; or
- remove, change or obscure in any way anything on the Website or otherwise use any material contained on the website except as set out in these terms and conditions; or
- include or create hyperlinks to the Website or any materials contained on the Website; or
- use the website and anything available from the website in order to produce any publication or otherwise provide any service that competes with the website (whether on-line or by other media); or
- use the website for unlawful purposes and you shall comply with all applicable laws, statutes and regulations at all times.
5. Relationship with Accounts or other Terms of Business
6. Quality of information & tools
We make no representations or give any warranties of any kind with respect to this website or its contents. In addition we make no representation or warranties about the accuracy or the information contained on this website.
Except for the trading functionality and provision of account services, the contents of this website are for information purposes only and are not binding. Except for the trading functionality and provision of account services, the contents of this website do not constitute a request or an offer in a legal sense or a recommendation to undertake any financial transaction or decision.
No express or implied guarantee is given in relation to the accuracy, completeness or timeliness of any of information or as regards any opinions or forward-looking statements expressed on the website.
7. Availability and updating of the Site
We may amend the website and/or suspend and/or close access to it at any time for any reason, in particular, for maintenance or upgrade purposes, and we will seek to give advance notice of this wherever possible. Likewise, we reserve the right to amend, alter, or withdraw any of the information contained in the website at any time, and we will endeavour to give advance notice of any amendments. We do not warrant that access to or use of the website or of any websites or pages linked to it will be uninterrupted or error free.
8. Viruses, Trojans, Worms et al
We use industry standard security software to provide protection for our website, we do not warrant or represent that use of the website is secure or that the protection provided by our security software will offer you greater protection than any security software you have installed on your PC or other electronic communication device. We strongly suggest you purchase your own anti-virus software and keep it and the operating system up-to-date to protect the security of your computer or device.
We do not guarantee that our site will be secure or free from bugs or viruses.
You must not misuse the website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the website, the servers on which the website is stored or any server, computer or database connected to the website. You must not attack our website 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 website will cease immediately.
We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the website or to your downloading of any content on it, or on any website linked to it.
9. No advice
We make no warranty that the website will meet your requirements. The information provided is for general guidance only. If you are unsure whether our products or the investments described are suitable for your requirements, or those of your clients it is recommended that you take such advice as you believe is appropriate to your circumstances.
You acknowledge that we do not provide investment advice and that nothing on the website constitutes investment advice and that you will not treat any of the website's content as such;
- we do not recommend any particular financial product, although we promote our own products and those of our parent and associated companies, and other companies’ products;
- we do not recommend that any financial product or investment should be bought, sold or held by you;
- information which may be referred to on the website from time to time may not be suitable for you and that you should not make any investment decision without consulting a fully qualified financial adviser, or satisfying yourself that you are willing and able to make investment decisions without receiving advice.
You acknowledge that the use of the internet is not entirely secure and for this reason we cannot guarantee the security of any information which is transferred through the internet.
We strongly recommend that you do not send us any confidential or sensitive information, e.g. personal details by email as it is not a wholly safe method of communication. If preferred, communication, particularly confidential matters, can be notified to us in other ways that you believe are more secure.
We will have no liability for any data loss, interruption to service, damage, errors or alteration of any kind resulting in loss or subsequent loss, (including, without limitation, for any loss of profit or revenue, data, savings or goodwill suffered by you) arising out of the use of the services and the website, or from any delay in or failure of transmission, receipt of any instructions or notifications sent to us or by your inability to access it.
11. Copyright and trademarks
'Stocktrade' is a brand name of Alliance Trust Savings Limited.
‘Alliance Trust Savings’, ‘ATS’ and 'AT Savings' are all brand names of Alliance Trust Savings Limited and are owned by and used with the permission of Alliance Trust PLC, the previous owner of Alliance Trust Savings Limited.
12. Exclusions and limitations of liability
We do not exclude or limit our liability for death or personal injury or any matter covered by the terms of our accounts.
We shall not be liable (whether for breach of contract, negligence or for any other reason) for:
- any loss of profits, sales, revenue or business
- exemplary or special damages,
- loss of bargain,
- loss of opportunity, goodwill or reputation
- loss of use of computer equipment, software or data,
- loss of or waste of management or other staff time, or
- for any indirect, consequential or special loss, however arising.
13. Governing law
These terms shall be governed and interpreted in accordance with English law, and you consent to the non-exclusive jurisdiction of the English courts.