Website Terms of Use

Last updated 13 August 2024.

  1. Introduction
  • These are the website terms of use (terms) of are Parallel Financial Limited, a company registered in England and Wales under company number 04036870 whose registered office is at Unit 5, Plaza Gardens, Upper Richmond Road, Putney, London, United Kingdom, SW15 2DT (we, us or our).
  • This page tells you the information you need to know when you visit this website. By using our website, you confirm that you accept these terms of service and that you agree to comply with them. If you do not agree to these terms, you must not use our website. We recommend that you print a copy of these terms for future reference.
  • Our privacy and cookies policy, which explains how we collect, use, and store your personal data, also applies to your use of our website.
  1. We may make changes to these terms

We 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.

  1. We may make changes to our website

We may update and change our website from time to time to reflect changes to our products, our users’ needs and our business priorities. We will try to give you reasonable notice of any major changes.

  1. We may suspend or withdraw our website
  • Our website is made available free of charge.
  • We do not guarantee that our website, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our website for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.
  • You are also responsible for ensuring that all persons who access our website through your internet connection are aware of these terms of service and other applicable terms of service, and that they comply with them.
  1. We may transfer this agreement to someone else

We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.

  1. How you may use material on our website
  • We are the owner or the licensee of all intellectual property rights in our website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
  • You may print off one copy, and may download extracts, of any page(s) from our website for your personal use and you may draw the attention of others within your organisation to content posted on our website.
  • You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
  • Our status (and that of any identified contributors) as the authors of content on our website must always be acknowledged (except where the content is user-generated).
  • You must not use any part of the content on our website for commercial purposes without obtaining a licence to do so from us or our licensors.
  • If you print off, copy, download, share or repost any part of our website in breach of these terms of service, your right to use our website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made (except that you are permitted to print off a copy of these terms of service).
  1. No text or data mining, or web scraping
  • You shall not conduct, facilitate, authorise, or permit any text or data mining or web scraping in relation to our website or any services provided via, or in relation to, our website for any purpose, including the development, training, fine-tuning or validation of AI systems or models. This includes using (or permitting, authorising, or attempting the use of):
    • Any “robot”, “bot”, “spider”, “scraper” or other automated device, program, tool, algorithm, code, process, or methodology to access, obtain, copy, monitor or republish any portion of our website or any data, content, information, or services accessed via the same.
    • Any automated analytical technique aimed at analysing text and data in digital form to generate information or develop, train, fine-tune or validate AI systems or models which includes but is not limited to patterns, trends, and correlations.
  • You shall not use, and we do not consent to the use of, our website, or any data published by, or contained in, or accessible via, our website or any services provided via, or in relation to, our website for the purposes of developing, training, fine-tuning or validating any AI system or model.
  • This clause will not apply insofar as (but only to the extent that) we are unable to exclude or limit text or data mining or web scraping activity by contract under the laws which are applicable to us.
  1. Rules about linking to our website
  • 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.
  • You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
  • You must not establish a link to our website in any website that is not owned by you.
  • Our website must not be framed on any other website, nor may you create a link to any part of our website other than the home page.
  • We reserve the right to withdraw linking permission without notice.
  1. Do not rely on information on this website
  • The content on our website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our website.
  • Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, whether express or implied, that the content on our website is accurate, complete, or up to date.
  1. We are not responsible for websites we link to
  • Where our website contains links to other websites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.
  • We have no control over the contents of those websites or resources.
  1. We are not responsible for viruses
  • 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 programs and platform to access our website. You should use your own virus protection software.
  1. You must not introduce viruses

You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful, or otherwise harmfully interacting with our website or any part of it. You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our website or any other equipment or network connected with our website. You must not interfere with, damage, or disrupt any software used in the provision of our website or any equipment or network or software owned or used by any third party on which this website relies in any way. 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.

  1. Our responsibility for loss or damage suffered by you
  • Whether you are a consumer or a business user:
    • We do not exclude or limit in any way 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 the negligence of our employees, agents, or subcontractors and for fraud or fraudulent misrepresentation.
    • Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any products to you, which will be set out separate terms and conditions.
  • If you are a business user:
    • We exclude all implied conditions, warranties, representations, or other terms that may apply to our website or any content on it.
    • We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
      • use of, or inability to use, our website; or
      • use of or reliance on any content displayed on our website.
    • In particular, we will not be liable for:
      • loss of profits, sales, business, or revenue;
      • business interruption;
      • loss of anticipated savings;
      • loss of business opportunity, goodwill, or reputation; or
      • any indirect or consequential loss or damage.
  • If you are a consumer user:
    • We only provide our website for domestic and private use. You agree not to use our website for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
    • If defective digital content that we have supplied damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation.
  1. How we may use your personal information
  • We will only use your personal information as set out in our privacy and cookies policy, available on this website.
  1. Which country’s laws apply to any disputes?
  • If you are a consumer, please note that these terms of service, their subject matter and their formation, are governed by English law. We both agree that the courts of England and Wales will have exclusive jurisdiction, except that if you are a resident of Northern Ireland, you may also bring proceedings in Northern Ireland, and if you are a resident of Scotland, you may also bring proceedings in Scotland.
  • If you are a business, these terms of service, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.