Website terms and conditions





1. Scope of Agreement

1.1    This agreement ("agreement") governs your use of the Flemmings website ("website").

1.2    This website contains information regarding the products and services provided by the United Kingdom entities or operations within the group. Particulars regarding each of the United Kingdom entities or operations and their respective licenses are set out in clause 14 of this agreement. The products and services described on this website are capable of being offered by any one or more of the entities and operations as appropriate. The terms and conditions for the use of this website applies to information set out herein and the provision of such products and services by all entities and operations within the group but should not be construed as being exhaustive. You agree and acknowledge that the information set out on this website and the provision of such products and services are subject to the conditions of licenses for each of the entities and operations and the applicable laws governing their operations.

1.3    Nothing in this agreement shall affect any rights of a customer to operate its Flemmings accounts, products or services in accordance with any general terms (as amended from time to time) applicable to those Flemmings accounts, products or services.


2. Changes

2.1   We fully expect to develop and improve our website offering over time and therefore the contents and functionality of this website, which includes (without limitation) the terms of this agreement, are subject to change by us without notification. Please see the date at the top for the last change made to this agreement; however other content on this website may not be marked as modified/updated in this way.


3. Website Content and Product Availability

3.1    Information provided on the website is believed, to the best of our ability, to be accurate and up-to-date when posted. However, we cannot guarantee that information will be accurate, complete and current at all times. All information on the website is subject to modification from time to time. Opinions expressed whether generally or on the performance of individual funds or the likely returns on certain products represent the views of the contributor at the time of preparation. They are subject to change and should not be interpreted as investment advice. Please contact us directly if you need advice. Any research or analysis used in the preparation of the website has been performed or procured by us for our own purposes.

3.2    Unless the contrary is explicitly stated in the case of any product or service, the website contains only a summary of the information relating to the products and services referred to therein. Therefore, if you are interested in finding out all the information in relation to any of the products or services, you should seek further information from us.

3.3    This website contains information covering different investment funds/services managed and registered in different jurisdictions. The information on this website does not constitute either an offer to sell, a solicitation or an offer to buy in a country in which this type of offer or solicitation is unlawful, or in which a person making such an offer or solicitation does not hold the necessary authorisation to do so. It is also not directed at investors, in those cases where the law prohibits this type of offer or solicitation from being made. Accordingly, persons accessing the information on this website are responsible themselves for ascertaining the legal requirements, which would affect their acquisition of any investment or products, including any foreign exchange control requirements.


4. Limitation of Liability

4.1   These 'limitation of liability' provisions should be read carefully as they exclude or limit our legal liability in connection with your website.

4.1.1   Some information published on the website is intended to assist investors to make their own investment decisions, while other information is intended to be informative only. The investments and investment services referred to on the website may not be suitable for all investors. Please contact us for advice or information before acting on any of the information published on the website.

4.1.2   This website contains information about our own products and services. No information on this website should be construed as advice. You should take advice from your own independent, professional financial adviser before making an investment decision and you are responsible for ascertaining any tax consequences.

4.1.3   No information or opinion expressed in the website is intended or should be regarded as an offer or as a solicitation of an offer by us or any of our affiliate companies to buy, sell or otherwise deal in any particular investment.


4.2    Links to Third Party Websites

4.2.1   To provide valuable resources to users of this website, we may provide links to other websites ("third party websites") (that are not part of the group) for you to access should you wish to do so. You acknowledge and agree that, accessing any such linked third party website is done so at your sole discretion and we are not responsible for the availability of such third party websites or resources, and that we do not review or endorse and shall not be responsible or liable, directly or indirectly, for any access or use of such third party websites or resources.

4.2.2   Your use of any such third party websites may be subject to their specific legal terms and conditions. Third party websites are not subject to the terms of this agreement (including the privacy policy) or any other notices published on the website. Please take care to see the terms and conditions and privacy policy on the third party website to see how your use of it will be governed and what information may be collected about your access and use of the third party website.

4.2.3   Where you access a third party website by means of hyperlinks made available on the website, and if you provide personal information about yourself on that third party website which can identify you, it may be technically possible for the person who operates that third party website to identify that you accessed the third party website from our website and to presume that you may be one of our clients. You accept the possibility that third parties may obtain such web usage information and make such an assumption about you (i.e. That you may be one of our clients) when you link to third party websites and submit personal information about yourself on those third party websites.

4.3    No Warranties

4.3.1   While we have taken all reasonable steps to ensure the accuracy and completeness of the content of the website the website is provided "as is" and we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law in respect thereof. Specifically, but without limitation, we do not warrant that:

a.   you will be able to use the website or that it will continue to be made available in its current or any other form at the current domain name or any other domain name;

b.   the website or any software or material of whatsoever nature available on or downloaded from it will be free from viruses or defects, compatible with your equipment or fit for any purpose. It is your responsibility to use suitable anti-virus software on any software or other material that you may download from the website and to ensure the compatibility of such software or material with your equipment;

c.   news, prices, opinions and other information on the website are accurate up to date or complete; or

d.   any part of the content or materials, are appropriate or available for use in the United Kingdom, as applicable. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.

4.4    Security

4.4.1   You should be aware that the internet is not a completely reliable transmission medium. If you choose to send any electronic communications to us by means of the website, you do so at your own risk and we cannot guarantee that such communications will not be intercepted or changed or that they will reach the intended recipient safely.

4.4.2   Although we use all reasonable endeavours to ensure the website is secure from attacks (such as "hacking"), we cannot guarantee that any information displayed on the website has not been changed or modified through malicious attacks.

4.4.3   Where they have been issued to you, it is your responsibility to maintain the security and confidentiality of your password and login details. As an example only, you should not write down your password and login details. You must inform us as soon as reasonably practicable if you suspect that your password or login details are known by or available to any third party. You agree that, if you inform us of any suspected disclosure of your password and login details, we may take such steps as we consider may be reasonably necessary in the circumstances (including, without limitation, cancelling your existing password and login details and issuing a new password and login details to you).

4.5    Disclaimer of Liability

4.5.1   Neither we nor any of our affiliate companies will be liable to you in (including without limitation), negligence, breach of contract, misrepresentation or otherwise, for any direct, indirect or special loss or consequential loss or damage suffered by you (including, without limitation, loss of goodwill, revenues or income, opportunity, anticipated savings or data) or for loss of profit, arising from your use of the website or:

a.   any software or materials or content provided on or downloaded from the website;

b.   any computer virus or malicious code or software or file transmitted through the website;

c.   your inability to use the website at any time and any error in the provision of the website or its materials or content;

d.   any delay in or failure of the transmission or the receipt of any instructions or notification sent through this website;

e.   your use of e-mail communications to contact or instruct us (including, without limitation, any delay in our receipt or confirmation of such a communication, any interception of or changes to such a communication and any reasonable delay in acting on such a communication);

f.   your use of and/or reliance on other third party website to which you have gained access by means of hyperlinks published on the website;

g.   any inaccurate materials or content or opinions published on the website or your reliance thereon.

4.5.2   Nothing in these or any other terms and conditions governing your use of the website shall operate to exclude or restrict our liability (including without limitation) for (1) fraud or fraudulent misrepresentation; (2) death or personal injury resulting from our, or our employees’, negligence; (3) our negligence or wilful misconduct; or (4) our duties and liabilities to you under the financial services and markets act 2000, or any conduct of business rules which we are bound to comply with.


5. Website Integrity

5.1    You may not upload, post or transmit to or distribute or otherwise publish through the website any materials which (i) restrict or inhibit any other user from using the website, (ii) are threatening, abusive, defamatory, obscene, offensive, or otherwise unlawful, (iii) constitute or encourage conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate law, (iv) infringe the rights of third parties, (v) contain a virus or other harmful component, (vi) contain advertising of any kind, or (vii) constitute or contain false or misleading indications of origin or statements of fact.


6. Recording of calls/communications

6.1    Any telephone calls, emails or other communications between us may be recorded or monitored for the purposes of quality control, billing, investigating or detecting crime, or for establishing facts or ascertaining compliance with practices or procedures relevant to our business. You hereby expressly consent to such recording and monitoring.

6.2    Monitoring also includes (without limitation) checks for viruses and other malignant code, criminal activity, and use or content that is unauthorised or unlawful or material that may cause offence in any way.


7. Intellectual Property Rights

7.1    All rights in the material on the website are either owned by us or made available to us under licence. The material on the website is protected by copyright. All trade marks and devices displayed on the website are owned by us and/or our licensors, and may be registered in many jurisdictions across the world. Save as provided in this agreement any use or reproduction of these material, trade marks and/or devices is prohibited. All rights in the material on the third party websites which you may be able to link to from our website are owned by third parties.

7.2    You may view the website and you are welcome to download or print hard copies of material on it for your personal, non-commercial use. All other copying whether in electronic, hard copy or other format is prohibited and all other rights are reserved.


8. Termination

8.1    We may terminate this agreement with immediate effect or, at our sole discretion without prior notice, withdraw or suspend (either permanently or indefinitely) the provision of the whole or any part(s) of the website.


9. Severability

9.1    If any part of the agreement is determined by any competent authority to be invalid, unlawful or unenforceable to any extent, it shall to that extent be severed from the remainder of the agreement, which shall continue to be valid and enforceable to the fullest extent permitted by law. Any such unlawful or unenforceable term shall, whenever allowed by the context, be deemed replaced by such valid and enforceable term, covenant or provision whose contents are as close as permissible to those of the unlawful or unenforceable term.


10. Assignment

10.1    You shall not assign or transfer or purport to assign or transfer any of your rights or obligations under this agreement without our prior written consent. We shall be entitled to assign or transfer all or any of our rights and/or obligations under this agreement to any of the other members of the group located anywhere in the world without requiring any further consent from you. To the extent required and at our request and expense, you agree to sign any documents which may be necessary or beneficial to give effect to such an assignment or sub-contracting.


11. No Waiver

11.1    The failure to exercise or delay in exercising a right or remedy provided by this agreement or by law does not constitute a waiver of the right or remedy or a waiver of other rights or remedies. No single or partial exercise of a right or remedy provided by this agreement or by law prevents further exercise of the right or remedy or the exercise of another right or remedy.


12. Governing laws

12.1    The use of this website and its terms of use are governed by the laws of England and Wales and each user submits to the exclusive jurisdiction of the courts of England and Wales. This website is not directed to any person in any jurisdiction where (by reason of that person's nationality, residence or otherwise) the publication or availability of this website is prohibited. Persons in respect of whom such prohibitions apply are not licensed to access this website for any reason and should exit the site immediately.


13. Entire agreement

13.1    This agreement forms the entire agreement between you and Flemmings concerning the use of the website. Neither party shall have a right of action against the other arising from any previous agreement, communication, representation and discussion in respect of the website, except in the case of fraud.  Any other agreements between you and Flemmings, terms of business, mandate and/or any other mandates relating to the conduct of you as a customer or Flemmings’s provision of related services shall remain unaffected, save that if any conflict between such terms and the terms of this agreement arises, this agreement shall prevail but only insofar as the conflict relates to the website.


14. Corporate details

Flemmings is the brand name of Flemmings Chartered Accountants. Flemmings Chartered Accountants & Registered Auditors is registered to carry on audit work in the UK and Ireland by the Institute of Chartered Accountants in England and Wales. Registered Office 76 Canterbury Road, Croydon, Surrey CR0 3HA. Telephone +44 (0) 20 8665 7050. Details about our audit registration can be viewed at for the UK, and for Ireland, under reference number C007334945.

Flemmings is the brand name of Affinity Associates (Flemmings) Limited. Affinity Associates (Flemmings) Limited is registered in England with company number 09340324. Registered Office 76 Canterbury Road, Croydon, Surrey, CR0 3HA.

Flemmings is the brand name of Flemmings Business Advisors Limited. Flemmings Business Advisors Limited is registered in England with company number 08927757. Registered Office 76 Canterbury Road, Croydon, Surrey CR0 3HA.

Flemmings is the brand name of Flemmings Financial Planning Limited. Flemmings Financial Planning Limited is authorised and regulated by the Financial Conduct Authority (FCA). Flemmings Financial Planning Limited is registered in England with company number 08287147. Registered Office 76 Canterbury Road, Croydon, Surrey CR0 3HA.

Flemmings is the brand name of Flemmings Property Services Limited. Flemmings Property Services Limited is registered in England with company number 03288929. Registered Office 76 Canterbury Road, Croydon, Surrey CR0 3HA.


15. Legal Statements

Details of the audit registration for Flemmings Chartered Accountants can be viewed at under reference number C007335945.

In accordance with the disclosure requirements of the Provision of Services Regulation 2009, the professional indemnity insurers for Flemmings Chartered Accountants are CNA/Hardy. Registered address: 13th Floor, 20 Fenchurch Street, London, EC3M 3BY.

Should you have any queries regarding the information contained in this website please contact us using the details below. Telephone calls may be recorded:

76 Canterbury Road
Croydon, Surrey CR0 3HA
Tel:  +44 (0) 20 8665 7050
Fax:  +44 (0) 20 8665 0883
Email:  This email address is being protected from spambots. You need JavaScript enabled to view it.