Terms and Conditions
TERMS OF WEBSITE USE
INFORMATION ABOUT US
Cairn Independent Limited (we) are a limited company registered in Scotland under number SC147311 and our registered office is at Priory View, Victoria Road, Kirkcaldy, FIFE, KY1 2SA.
If you need to contact us please write to us at the above address or send an e-mail to firstname.lastname@example.org
ACCESSING OUR SITE
Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our site without notice (see below). We will not be liable if for any reason our site is unavailable at any time or for any period.
We restrict access to some parts of our site to our clients and, from time to time, we may change the restricted areas or restrict access to the entire site.
You are responsible for making all arrangements necessary for you to have access to our site. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms, and that they comply with them.
INTELLECTUAL PROPERTY RIGHTS
We are the owner or the licencee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
Non-clients may print off one copy, and may download extracts, of any page(s) from the public areas of our site for personal reference and draw the attention of others within their organisation to material posted on our site.
Non-clients must not modify the paper or digital copies of any materials that they have printed off or downloaded in any way, and must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. Non-clients must not use any part of the materials on our site for commercial purposes unless they have obtained a licence to do so from our licensors or us.
The materials and information available in the client only area of our site shall form part of the service which we provide to our clients pursuant to their service agreement. Clients may use the materials available in the client only areas in strict accordance with their service agreement.
OUR SITE CHANGES REGULARLY
We aim to update our site regularly, and may change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material but we shall endeavour to make you aware of when the material was originally posted and last updated.
INFORMATION ABOUT YOU AND YOUR VISITS TO OUR SITE
LINKING TO OUR SITE
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement without our express consent. You must not establish a link from any website that is not owned by you.
Subject to your right to make use of any web and/or rss feeds that we may make available from time to time; our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page without our consent. We reserve the right to withdraw linking permission without notice.
If you wish to make any use of material on our site other than that set out above, please address your request to email@example.com
LINKS FROM OUR SITE
Where our site contains links to other sites and resources provided by our clients or other third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.
VIRUSES, HACKING AND OTHER OFFENCES
You must not misuse our site 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 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.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.
The client only areas of our site are made available to our clients as part of their service and the use of the materials made available in those areas is governed by the service agreement between us and each member.
If you wish to become a member you should contact us at the address set out in the “Information About Us” section or e-mail us at firstname.lastname@example.org
We reserve the right to suspend or cancel your access to the client areas of our site if you fail to make any payments due in respect of your service or your service agreement is terminated for any other reason.
You must not permit or assist any third party who is not a member of our site to access the client only areas. If you believe someone may be using your user identification code and password fraudulently you should notify us immediately by e-mailing email@example.com
In the event of a dispute of any nature between you and the firm, please contact our Managing Director, Robert Young by email firstname.lastname@example.org
FINANCIAL OMBUDSMAN SERVICE
For your protection if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (‘FOS’). Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk.
LIMITATION OF LIABILITY
Commentary and other materials posted on the public areas of our site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.
The information and materials posted on the client only areas of our site form part of the service that we provide to our clients pursuant to their service agreement. In particular the extent of our liability in respect of your reliance upon any advice given via our site or information or materials posted on our site is governed by your service agreement and in particular the clause relating to the limitation of liability.
In addition, we do not warrant that our site or its contents are virus free or that the client only areas are compatible with your software or computer configuration. We accept no liability for any loss or damage of whatever nature you may suffer in the event of an infection or contamination by a virus or similar computer code designed to adversely affect the operation of any computer software or hardware. You are solely responsible for protecting your hardware, software and system from such attacks.
Nothing herein will be deemed to create a partnership or joint venture between us. Neither of us shall have the authority to bind the other or to contract in the name of or create a liability against the other in any way for any purpose.
A person who is not a party to our agreement has no right under the Contracts (Rights of Third Parties) Act 1999 to rely upon or enforce any term of our agreement but this does not affect any right or remedy of a third party which exists or is available apart from that Act.
JURISDICTION AND APPLICABLE LAW
We look forward to hearing from you. If you know who you need to speak with, please choose from our advisors or the rest of the team on the left, or for general enquiries please use the contact details at the bottom of the page or form below.
We look forward to hearing from you. If you know who you need to speak with, please select from our team above.
For general enquiries please use the contact details at the bottom of the page.
Office Hours Monday - Friday 9am - 5pm