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Legal information and disclaimers
These pages explain the legal and regulatory restrictions applicable to the information contained within this site (such information to be referred to hereafter as "Information"). By entering this site, you hereby agree to the following terms and condition:
1) Non - solicitation/loss of compensation
It is your responsibility to know and understand the law and regulations relating to investment business as they apply to you. The Information is aimed at persons present in the United Kingdom and not in any other jurisdiction.
Accordingly, the Information does not constitute a promotion, distribution, offer to sell or the solicitation of an offer to buy options or securities in any other jurisdiction. Specifically, the Information is not for distribution, nor does it constitute an offer to sell or the solicitation of any offer to buy options or securities in the United States of America, nor is it for the benefit of United States persons (such term being defined for this purpose by the relevant United States legislation from time to time in force).
The Information may incorporate model scenarios and interactive pages which may include a tax calculator, use of which may lead you to conclude, amongst other things, that you should sell your shares, transfer them to an ISA or to your spouse if relevant. However, these models, the tax calculator and the Information may not take into account all relevant information pertininent to your own set of circumstances and so the models, calculator and Information can only aim to provide an indication of what you may be able to do in your own situation. These pages contain general factual scenarios based upon certain assumptions that may be modified by you interactively, but they are not and should not be construed as specific tax or specific investment advice. Accordingly, no reliance may be placed on the models, the tax calculator or the Information, as it may be unsuitable for your personal use or circumstances. Specifically, the current share price used in model examples may rise or fall - see Clause 5 in this regard. If you are in any doubt as to the Information, you should seek independent advice from a suitably qualified financial adviser. Your attention is also drawn to the exclusion of liability under Clause 4.
Persons who are not caught by the United Kingdom Financial Services and Markets Act 2000 ("Act") particularly though not exclusively those that would be classified as private customers if they were otherwise so caught, seeking (notwithstanding the provisions of this Clause 1), to place reliance on the Information and who participate in activities that would be caught by that Act, will not have the protections afforded by that Act or the rules and regulations made under it, including the provisions of the United Kingdom Financial Services Compensation Scheme.
2) Prohibition against reproduction, etc, of information
The Information may not be reproduced or copied, distributed, resold, or used by you, without prior written permission from Close Wealth Management, by writing to the address provided at Clause 7. If you contravene this provision, neither the Close Brothers Group , its affiliates, associates or closely linked persons (howsoever defined by law or regulation) nor any of their directors, officers or employees can be held responsible for the reliance any third party may seek to place on the Information. Accordingly, by so contravening, you hereby accept that you shall be responsible/liable in respect of any third party claims under such circumstances.
3) Copyright and ownership
Close Wealth Management. All rights reserved. All content on this site including all text, data, graphics, their arrangement and compilation as well as the databases and software on which this site is based, are the property of Close Wealth Mangement and protected by intellectual property law. All rights to use the content of this site belong to Close Wealth Management and any unauthorised use, including transmission, display, extraction, modification, distribution and reproduction in any media is strictly prohibited.
4) Accuracy of information/errors and omissions/exclusion of liability
No warranty is provided for the accuracy of the Information, though Close Wealth Management may update the Information from time to time. The Information, which may include any statement, fact or estimate, is believed to be accurate as at the date of publication or update as the case may be and may change without notice. The Information is being provided free of charge and no liability can be accepted for the accuracy or otherwise of the Information beyond the publication date, or the date last updated, nor can liability be accepted for any errors or omissions contained within the Information. Further, no liability is accepted by any company within the Close Brothers Group, its affiliates, associates or closely linked persons (howsoever defined by law or regulation), or by any of their directors, officers or employees for losses or damage arising from the personal use or reliance on the Information, including, without limitation, any loss of profit, capital, income, direct or consequential damage.
Responsibility will only be accepted in the limited circumstances set out herein for anything upon which you may seek to rely if you are employed by the company whose intranet site you have used in order to access this website, and you are a private customer within the meaning of the rules of the UK Financial Services Authority, and you are resident and ordinarily resident in the United Kingdom for tax purposes. In all other cases no responsibility can be accepted for anything upon which you may seek to rely contained within this site, as it is not directed at you.
5) Nature of investments
The value of investments and the income from them may rise or fall and you may not recoup your original investment. Past performance is not necessarily a guide to future performance.
6) Bases of taxation
The levels and bases of, and reliefs from, taxation may change from the date of publication, including the future taxation of ISAs and share schemes.
7) Your response
Personal information provided by you in response to this website may be retained by us for the purposes of organising your attendance at seminars, marketing by us, and/or providing you with further information relating to our services, the Self Assessment Tax Service and fixing an appointment with an adviser.
However, such information may also be used by Close Wealth Management to offer you other services in due course, unless you inform us that you do not wish us to use such information for any other purpose, by writing to us at:
Compliance Officer
Close Wealth Management Limited
Nelson House, Gadbrook Business Centre
Gadbrook Road
Northwich, Cheshire CW9 7TN
Similarly, you have the right to receive information about the personal data maintained about you. Should you believe such personal data is not correct, please write to us at the address given above and we shall update our records.
Please note that Close Wealth Management shall take all reasonable precautions within our control to ensure that the information you provide online is kept confidential to Close Wealth Management during transmission, but you hereby acknowledge that the transmission of such information on the Internet is open to risk. Accordingly, no liability is accepted for any such information that falls into third party hands in such a way that is beyond the reasonable control of Close Wealth Management.
Any information received by Close Wealth Management from you may be disclosed to Close Wealth Management's affiliates, associates or closely linked persons (howsoever defined by law or regulation), their directors, officers, employees and agents as well as any government entity or third party, for the purpose(s) outlined above or as a matter of law.
8) Regulators, and registered office
Close Wealth Management Group is the trading name of a group of companies that includes Close Wealth Management Limited which is a subsidary of Close Brothers Group plc.
Close Wealth Management Limited, company number 2106591 is registered in England and Wales and is authorised and regulated by the Financial Services Authority. Registered Office: Nelson House, Gadbrook Business Centre, Gadbrook, Northwich, Cheshire CW9 7TN.
The Self Assessment Tax Service is not regulated.
Legal Page updated in August 2007.