1. Introduction
    1. These terms and conditions shall govern your use of our website.
    2. StructuredProductReview.com is maintained by Lowes Financial Management (Lowes), a company registered in England & Wales No. 1115681. Lowes is authorised and regulated by the Financial Conduct Authority.
    3. By using our website, you accept these terms and conditions in full; accordingly, if you disagree with these terms and conditions or any part of these terms and conditions, you must not use our website.
    4. If you register with our website, we will ask you to expressly agree to these terms and conditions.
    5. This site is intended only for use by UK financial services professionals as defined in the Financial Services and Markets Act 2000. Retail investors are not permitted access but can instead utilise the retail client version at CompareStructuredProducts.com.
    6. Our website uses cookies; by using our website or agreeing to these terms and conditions, you consent to our use of cookies in accordance with the terms of our privacy and cookies policy, which can be viewed at http://www.structuredproductreview.com/PrivacyPolicy.aspx.
    7. The information given in this product review has been taken from the product terms and conditions, brochure, and other literature available from the product provider. No guarantee can be made to the accuracy of the information. You should therefore satisfy yourself as to the full terms and risks of any investment by reference to the relevant brochure or by contacting the provider directly.
  2. Users outside the UK
    1. Our website is directed at persons resident and situated in the UK and not at any other persons.
    2. We do not warrant that our website complies with the applicable laws or regulations of any jurisdiction outside the UK.
    3. If you are resident or situated outside the UK, you must not access or use our website unless you are lawfully able to do so.
    4. Subject to Section 17.1, we do not accept any liability for any loss or damage resulting from, or related to, the availability of our website or any of our website content to persons resident or situated outside the UK.
  3. Copyright notice
    1. Copyright (c) 2014 Lowes Financial Management Limited.
    2. Subject to the express provisions of these terms and conditions:
      1. we, own and control all the copyright and other intellectual property rights in our website and the material on our website; and
      2. all the copyright and other intellectual property rights in our website and the material on our website are reserved.
      3. All information contained within this site is copyrighted and can only be repeated or our opinion or otherwise published where full credit is given to StructuredProductReview.com.
  4. Licence to use website
    1. You may:
      1. view pages from our website in a web browser;
      2. download pages from our website for caching in a web browser; and
      3. print pages from our website; and
      4. download PDF product literature from our website; and
      5. stream audio and video files from our website.
      subject to the other provisions of these terms and conditions.
    2. Except as expressly permitted by Section 4.1 or the other provisions of these terms and conditions, you must not download any material from our website or save any such material to your computer.
    3. You may only use our website for your own business purposes, and you must not use our website for any other purposes.
    4. Except as expressly permitted by these terms and conditions, you must not edit or otherwise modify any material on our website.
    5. Unless you own or control the relevant rights in the material, you must not, without our express written permission (which may be withdrawn at any time):
      1. republish material from our website (including republication on another website);
      2. sell, rent or sub-license material from our website;
      3. show any material from our website in public;
      4. exploit material from our website for a commercial purpose; or
      5. redistribute material from our website.
    6. Notwithstanding Section 4.5, you may redistribute our email notifications in electronic form to any other UK Financial Professional.
    7. We reserve the right to restrict access to areas of our website, or indeed our whole website, at our discretion; you must not circumvent or bypass, or attempt to circumvent or bypass, any access restriction measures on our website. Lowes reserves the right to alter or withdraw this service at any time without notice or reason.
  5. Acceptable use
    1. You must not:
      1. use our website in any way or take any action that causes, or may cause, damage to the website or impairment of the performance, availability or accessibility of the website;
      2. use our website in any way that is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity;
      3. use our website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software;
      4. conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to our website without our express written consent;
      5. allow any other person access to your account
      6. distribute your account log in details to anyone else
      7. use data collected from our website for any direct marketing activity (including without limitation email marketing, SMS marketing, telemarketing and direct mailing).
    2. You must ensure that all the information you supply to us through our website, or in relation to our website, is true, accurate, current, complete and non-misleading.
  6. Use on behalf of organisation
    1. If you use our website and expressly agree to these terms and conditions in the course of a business or other organisational project, then by so doing you bind both:
      1. yourself; and
      2. the person, company or other legal entity that operates that business or organisational project,
      to these terms and conditions, and in these circumstances references to "you" in these terms and conditions are to both the individual user and the relevant person, company or legal entity (unless the context requires otherwise).
  7. Registration and accounts
    1. You may register for an account with our website by completing and submitting the account registration form on our website.
    2. You must notify us in writing immediately if you become aware of any unauthorised use of your account.
    3. You must not use any other person's account to access the website.
    4. In order to register with us, you must provide us with accurate and complete information. It is your responsibility to inform us of any changes to that information (including, without limitation, your email address), by updating your details on the ‘My Account’ section or contacting us using contact details on the website.
    5. By registering, you agree to us storing and using your details in the course of our business and passing them onto product providers which support the website.
  8. User IDs and passwords
    1. If you register for an account with our website, you will be asked to choose a password.
    2. You must keep your password confidential.
    3. You must notify us in writing immediately if you become aware of any disclosure of your password.
    4. You are responsible for any activity on our website arising out of any failure to keep your password confidential, and may be held liable for any losses arising out of such a failure.
  9. Cancellation and suspension of account
    1. We may:
      1. suspend your account;
      2. cancel your account; and/or
      3. edit your account details,
      at any time in our sole discretion without notice or explanation, providing that if we cancel any services you have paid for and you have not breached these terms and conditions, we will refund to you a pro rata amount of your payment, such amount to be calculated by us using any reasonable methodology.
    2. You may cancel your account on our website through the ‘My Account’ section of the website. You will not be entitled to any refund if you cancel your account.
  10. Subscriptions
    1. In order to access certain areas of the site, you must pay a subscription fee. To become a subscriber to our website services, you must pay the applicable subscription fees after you have registered for an account with our website. We will send you an acknowledgement of your subscription. If your subscription is accepted, we will send you an order confirmation, at which point the contract between us for the supply of the website services shall come into force.
    2. You may purchase one or more subscription packages, which will provide a single or multiple user licenses, depending on the subscription package you select.
    3. Where multiple user licenses are purchased:
      1. the primary account holder is responsible for administering the licenses through the 'My Account' area; and
      2. all licensed users under a primary account must be contracted to the same organisation and must use their corporate email address; and
      3. where a licensed user ceases to be contracted to their organisation, their access must be removed immediately by the primary account holder, or by contacting StructuredProductReview.com.
    4. Except to the extent a user name and password is intended for more than one licensed user as agreed by us in writing, the following are not permitted:
      1. any user under any subscription sharing their email address and password; nor
      2. access through a single email address and password being made available to multiple users on a network.
    5. Notwithstanding the restrictions in Clause 10.3 above, you are responsible for all access and use of any website by you or anyone else using any of your email addresses and passwords and for preventing unauthorised use of any of your email addresses and passwords. If you believe there has been any breach of security (such as the disclosure, theft or unauthorised use of any email address, password or any payment information), you must notify us immediately
    6. You will have the opportunity to identify and correct input errors prior to making your order.
    7. For so long as your account and subscription remain active in accordance with these terms and conditions, you will benefit from the features specified on our website in relation to your subscription type.
    8. We may from time to time vary the benefits associated with a subscription by posting a new subscription description on our website, providing that if in our reasonable opinion such a variation results in a substantial loss of value or functionality, you shall have the right to cancel your subscription, and we will refund to you a pro rata amount of the fee paid in respect of your subscription, such amount to be calculated by us using any reasonable methodology.
    9. At the end of any period of subscription for which you have paid, and subject to the other provisions of these terms and conditions, your subscription will be automatically renewed and you must pay to us the applicable subscription fees, unless you cancel the subscription using the cancellation facility through your chosen payment method before the date of renewal.
    10. We reserve the right to:
      1. refuse or terminate the registration and/or subscription of any user without notice or reason, or to otherwise alter the terms of the service at any time; or
      2. terminate the website as a whole.
      In such an event, we will refund to you a pro rata amount of the fee paid in respect of your subscription, such amount to be calculated by us using any reasonable methodology.
  11. Fees
    1. The fees in respect of our website services will be as set out on the website from time to time.
    2. All amounts stated in these terms and conditions or on our website are stated exclusive of VAT.
    3. You must pay to us the fees in respect of our website services in advance, in cleared funds, in accordance with any instructions on our website.
    4. We may vary fees from time to time by posting new fees on our website, but this will not affect fees for services that have been previously paid.
    5. If you dispute any payment made to us, you must contact us immediately and provide full details of your claim.
    6. If you make an unjustified credit card, debit card or other charge-back then you will be liable to pay us, within 7 days following the date of our written request:
      1. an amount equal to the amount of the charge-back;
      2. all third party expenses incurred by us in relation to the charge-back (including charges made by our or your bank or payment processor or card issuer);
      3. an administration fee of GBP 50.00 including VAT; and
      4. all our reasonable costs, losses and expenses incurred in recovering the amounts referred to in this Section 11.6 (including without limitation, legal fees and debt collection fees),
      and for the avoidance of doubt, if you fail to recognise or fail to remember the source of an entry on your card statement or other financial statement, and make a charge-back as a result, this will constitute an unjustified charge-back for the purposes of this Section 11.6.
    7. If you owe us any amount under or relating to these terms and conditions, we may suspend or withdraw the provision of services to you.
  12. Investment content
    1. Please note that the information contained within these pages does not constitute advice within the meaning of the Financial Services and Markets Act (FSMA 2000).
    2. StructuredProductReview.com does not offer investment, legal, tax or any other advice, and any information displayed on the site should not be interpreted as such.
    3. Whilst we strive to maintain the accuracy of information contained within StructuredProductReview.com, and to ensure that all of the information provided is up to date, no guarantee can be given for the accuracy of any information displayed on the site, thus we cannot accept any liability for any loss or inconvenience arising from any errors or omissions in such information. We accept absolutely no liability for any loss or expense incurred by the interpretation and subsequent use of any information contained within this site. In every instance users should validate the information contained within the site by referring to the product literature and product provider.
    4. Whilst we will strive to cover as many retail structured products as possible, our coverage is not exhaustive and StructuredProductReview.com does not provide details of every product and we reserve the right to limit which provider’s plans are shown. We do not undertake to enter into any discussion with regards any information or opinion provided via StructuredProductReview.com
    5. StructuredProductReview.com provides information, which in some cases includes our subjective opinion. Any opinions or beliefs provided about a product are that of StructuredProductReview.com, are relevant to the product at the time that it was reviewed. They are not routinely updated and remain an opinion only. Any opinion provided should not be construed as advice in any form, and absolutely no liability can be accepted by us for any loss or expense incurred by the interpretation of such opinions or because our preferences are followed.
    6. We are aware that there may be conflicts of interest where we display details of, or express an opinion on, products displayed on the website, and we are paid to display those products on the website, however we believe that we effectively manage these conflicts of interest.
    7. We provide articles regarding structured products from external sources for information purposes, but the provision of these articles does not indicate or imply that we sanction, endorse or necessarily agree with the content of those articles.
    8. Please be aware that, with the exception of capital guaranteed investment products (which may have Financial Services Compensation Scheme protection up to certain limits), the investment products displayed within StructuredProductReview.com place investors' capital at risk and investors may not receive back their original capital investment in full.
  13. Your content: licence
    1. In these terms and conditions, "your content" means all works and materials (including without limitation text, graphics, images, audio material, video material, audio-visual material, scripts, software and files) that you submit to us or our website for storage or publication on, processing by, or transmission via, our website.
    2. You grant to us a worldwide, irrevocable, non-exclusive, royalty-free licence to use, reproduce, store, adapt, publish, translate and distribute your content in any existing or future media.
    3. You grant to us the right to sub-license the rights licensed under Section 13.2.
    4. You grant to us the right to bring an action for infringement of the rights licensed under Section 13.2.
    5. You hereby waive all your moral rights in your content to the maximum extent permitted by applicable law; and you warrant and represent that all other moral rights in your content have been waived to the maximum extent permitted by applicable law.
    6. You may edit your content to the extent permitted using the editing functionality made available on our website.
    7. Without prejudice to our other rights under these terms and conditions, if you breach any provision of these terms and conditions in any way, or if we reasonably suspect that you have breached these terms and conditions in any way, we may delete, unpublish or edit any or all of your content.
  14. Your content: rules
    1. You warrant and represent that your content will comply with these terms and conditions.
    2. Your content must not be illegal or unlawful, must not infringe any person's legal rights, and must not be capable of giving rise to legal action against any person (in each case in any jurisdiction and under any applicable law).
    3. Your content, and the use of your content by us in accordance with these terms and conditions, must not:
      1. be libellous or maliciously false;
      2. be obscene or indecent;
      3. infringe any copyright, moral right, database right, trade mark right, design right, right in passing off, or other intellectual property right;
      4. infringe any right of confidence, right of privacy or right under data protection legislation;
      5. constitute negligent advice or contain any negligent statement;
      6. constitute an incitement to commit a crime, instructions for the commission of a crime or the promotion of criminal activity;
      7. be in contempt of any court, or in breach of any court order;
      8. be in breach of racial or religious hatred or discrimination legislation;
      9. be blasphemous;
      10. be in breach of official secrets legislation;
      11. be in breach of any contractual obligation owed to any person;
      12. depict violence, in an explicit, graphic or gratuitous manner;
      13. be pornographic, lewd, suggestive or sexually explicit;
      14. be untrue, false, inaccurate or misleading;
      15. consist of or contain any instructions, advice or other information which may be acted upon and could, if acted upon, cause illness, injury or death, or any other loss or damage;
      16. constitute spam;
      17. be offensive, deceptive, fraudulent, threatening, abusive, harassing, anti-social, menacing, hateful, discriminatory or inflammatory; or
      18. cause annoyance, inconvenience or needless anxiety to any person.
    4. Your content must be appropriate, civil and tasteful, and accord with generally accepted standards of etiquette and behaviour on the internet.
    5. You must not use our website to link to any website or web page consisting of or containing material that would, were it posted on our website, breach the provisions of these terms and conditions.
    6. You must not submit to our website any material that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.
    7. You must ensure that your content, and the use of that content in accordance with these terms and conditions, does not constitute:
      1. a financial promotion, an advertisement for any particular investment or investment business, or an invitation or inducement to engage in investment activity;
      2. investment advice, including advice on the merits of buying, selling, subscribing for, underwriting or exercising rights in relation to a particular security or investment;
      3. the making of an arrangement for another person to buy, sell, subscribe for or underwrite a security or investment; or
      4. any financial service or activity regulated or controlled by or pursuant to UK financial services law or any other applicable law.
    8. You must disclose any material interest you or your associates may have relating to your content when submitting your content.
  15. Report abuse
    1. If you learn of any unlawful material or activity on our website, or any material or activity that breaches these terms and conditions, please let us know.
    2. You can let us know by email using Enquiry@StructuredProductReview.com.
  16. Limited warranties
    1. We do not warrant or represent:
      1. the completeness or accuracy of the information published on our website;
      2. that the material on the website is up to date; or
      3. that the website or any service on the website will remain available.
    2. We reserve the right to discontinue or alter any or all of our website services, and to stop publishing our website, at any time in our sole discretion without notice or explanation; and save to the extent expressly provided otherwise in these terms and conditions, you will not be entitled to any compensation or other payment upon the discontinuance or alteration of any website services, or if we stop publishing the website, except in circumstances as defined in section 10.10.
    3. To the maximum extent permitted by applicable law and subject to Section 17.1, we exclude all representations and warranties relating to the subject matter of these terms and conditions, our website and the use of our website.
  17. Limitations and exclusions of liability
    1. Nothing in these terms and conditions will:
      1. limit or exclude any liability for fraud or fraudulent misrepresentation;
      2. limit any liabilities in any way that is not permitted under applicable law; or
      3. exclude any liabilities that may not be excluded under applicable law.
    2. The limitations and exclusions of liability set out in this Section 17 and elsewhere in these terms and conditions:
      1. are subject to Section 17.1; and
      2. govern all liabilities arising under these terms and conditions or relating to the subject matter of these terms and conditions, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.
    3. We will not be liable to you in respect of any losses arising out of any event or events beyond our reasonable control.
    4. We will not be liable to you in respect of any business losses, including (without limitation) loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill.
    5. We will not be liable to you in respect of any loss or corruption of any data, database or software.
    6. We will not be liable to you in respect of any special, indirect or consequential loss or damage.
    7. Some of the pages within StructuredProductReview.com contain links to third party websites and/or references to third party information. Whilst we strive to maintain the links to third party websites, and to keep references to third party information up to date, we cannot accept any liability for any errors or omissions in this information. Users should therefore satisfy themselves as to the accuracy of any information provided by third party sources. Please note, all products referred to on this website are subject to change without any prior notice.
    8. You accept that we have an interest in limiting the personal liability of our employees and, having regard to that interest, you acknowledge that we are a limited liability entity; you agree that you will not bring any claim personally against our employees in respect of any losses you suffer in connection with the website or these terms and conditions (this will not, of course, limit or exclude the liability of the limited liability entity itself for the acts and omissions of our officers and employees).
    9. Our aggregate liability to you in respect of any contract to provide services to you under these terms and conditions shall not exceed the total amount paid and payable to us under the contract.
  18. Indemnity
    1. You hereby indemnify us, and undertake to keep us indemnified, against any and all losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by us to a third party in settlement of a claim or dispute) incurred or suffered by us and arising directly or indirectly out of:
      1. any breach by you of any provision of these terms and conditions; or
      2. your use of our website.
  19. Breaches of these terms and conditions
    1. Without prejudice to our other rights under these terms and conditions, if you breach these terms and conditions in any way, or if we reasonably suspect that you have breached these terms and conditions in any way, we may:
      1. send you one or more formal warnings;
      2. temporarily suspend your access to our website;
      3. permanently prohibit you from accessing our website;
      4. block computers using your IP address from accessing our website;
      5. contact any or all your internet service providers and request that they block your access to our website;
      6. commence legal action against you, whether for breach of contract or otherwise; and/or
      7. suspend or delete your account on our website.
    2. Where we suspend or prohibit or block your access to our website or a part of our website, you must not take any action to circumvent such suspension or prohibition or blocking (including without limitation creating and/or using a different account).
  20. Third party websites
    1. Our website includes hyperlinks to other websites owned and operated by third parties; such hyperlinks are not recommendations.
    2. We have no control over third party websites and their contents, and subject to Section 17.1 we accept no responsibility for them or for any loss or damage that may arise from your use of them.
  21. Trade marks
    1. Our logos and our other registered and unregistered trade marks are trade marks belonging to us; we give no permission for the use of these trade marks, and such use may constitute an infringement of our rights.
    2. The third party registered and unregistered trade marks or service marks on our website are the property of their respective owners and, unless stated otherwise in these terms and conditions, we do not endorse and are not affiliated with any of the holders of any such rights and as such we cannot grant any licence to exercise such rights.
  22. Variation
    1. We may revise these terms and conditions from time to time.
    2. We will give you notice of any revision of these terms and conditions by automatically logging your out of your account and requesting you log in again and accept the revised terms and conditions. The revised terms and conditions will apply to the use of our website from the date that we give you such notice; if you do not agree to the revised terms and conditions, you must stop using our website.
    3. If you have given your express agreement to these terms and conditions, we will ask for your express agreement to any revision of these terms and conditions; and if you do not give your express agreement to the revised terms and conditions within such period as we may specify, we will disable or delete your account on the website, and you must stop using the website.
  23. Assignment
    1. You hereby agree that we may assign, transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms and conditions.
    2. You may not without our prior written consent assign, transfer, sub-contract or otherwise deal with any of your rights and/or obligations under these terms and conditions.
  24. Severability
    1. If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect.
    2. If any unlawful and/or unenforceable provision of these terms and conditions would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.
  25. Third party rights
    1. These terms and conditions are for our benefit and your benefit, and these terms and conditions are not intended to benefit or be enforceable by any third party.
    2. The exercise of the parties' rights under these terms and conditions is not subject to the consent of any third party.
  26. Entire agreement
    1. Subject to Section 17.1, these terms and conditions, together with our privacy and cookies policy which can be viewed at http://www.structuredproductreview.com/PrivacyPolicy.aspx, shall constitute the entire agreement between you and us in relation to your use of our website and shall supersede all previous agreements between you and us in relation to your use of our website.
  27. Law and jurisdiction
    1. These terms and conditions shall be governed by and construed in accordance with English law.
    2. Any disputes relating to these terms and conditions shall be subject to the exclusive jurisdiction of the courts of England.
  28. Statutory and regulatory disclosures
    1. We will not file a copy of these terms and conditions specifically in relation to each user or customer and, if we update these terms and conditions, the version to which you originally agreed will no longer be available on our website. We recommend that you consider saving a copy of these terms and conditions for future reference.
    2. These terms and conditions are available in the English language only.
    3. StructuredProductReview.com is a trading style of, and is maintained by, Lowes Financial Management (Lowes), a company registered in England & Wales No. 1115681. Lowes is authorised and regulated by the Financial Conduct Authority.
    4. Our VAT number is 500066505.
    5. Our principal place of business is at Fernwood House, Clayton Road, Newcastle upon Tyne, NE2 1TL.
    6. You can contact us by writing to the business address given above, by using our website contact form, by email to Enquiry@StructuredProductReview.com or by telephone on 0191 287 8716