Access to the website
Access to this website is provided by Access – the Foundation for Social Investment (Us” or “We”).
The website is subject to the following terms and conditions (the “Terms and Conditions”). Your use of this website constitutes acceptance of these Terms and Conditions, which take effect on the date of your first use of the website.
This website and the information, tools and material contained in it are not directed at, or intended for distribution to or use by, any person or entity who is a citizen or resident of or located in any jurisdiction where such distribution, publication, availability or use would be contrary to applicable law or regulation or which would subject Us to any registration or licensing requirement within such jurisdiction.
In the UK, the investment products and services featured in this website are directed exclusively at professional clients and eligible counterparties and are not and will not be made available to UK retail clients, (as defined by the rules of the Financial Conduct Authority). Retails clients should not rely on this material and should seek independent advice.
The information, tools and material presented in this website are provided to you for informational purposes only and are not to be used or considered as an offer or a solicitation to sell or an offer or solicitation to buy or subscribe for securities or other financial instruments, nor to constitute any advice or recommendation with respect to such securities or other financial instruments. It has no regard to the specific investment objectives, financial situation or particular needs of any person using this website and as such does not constitute individual investment advice or a personal recommendation.
We may, to the extent permitted by applicable law and/or regulation, participate or invest in financing transactions with the issuer(s) of the securities referred to in this website, perform services for or solicit business from such issuers, and/or have a position or holding, or other material interest or effect transactions in such securities or options thereon or investments related thereto. We may, to the extent permitted by applicable law and/or regulation, act upon or use the information or opinions presented on this website, or the research or analysis on which they are based, before the material is published. We may have, may be providing, or have provided significant advice or investment services in relation to the investment concerned or a related investment. Additional information is, subject to duties of confidentiality, available on request.
Nothing in this website constitutes investment, legal, accounting or tax advice, or a representation that any investment or strategy is suitable or appropriate to your individual circumstances, or otherwise constitutes a personal recommendation to you. The firm does not advise on the tax consequences of investments and you are advised to contact an independent tax adviser. Please note in particular that the bases and levels of taxation may change. Information on this website may relate to investments or services of an entity/person outside of the United Kingdom and further details as to where this may be the case are available upon request in respect of this material.
In so far as this applies, we keep information disclosed by you to Us through this website, including but not limited to your contact details (the “Information”) for the purposes of assessing your application for investment or other services provided by Us.
We may disclose this Information to other people (such as our professional advisers and third party contractors) from time to time, including where We are required to do so by law or where necessary for legal proceedings.
For the purpose of the Data Protection Act 1998, We are a ‘Data Controller’ in respect of any data collected by this website.
If you wish to withdraw your consent to our use of Information about you, or to make a request for the provision of Information held by Us about you under the Data Protection Act 1998, please contact Us via the email address provided in the “Our Details” section below.
As with the vast majority of websites, We automatically log certain information about every request made of Us, including users’ IP addresses. This information is used for the purposes of system administration, maintenance, problem solving and the production of usage statistics. Subsets of this data may be passed to the administrators of other computer systems or computer security teams for purposes such as the investigation of access problems or as part of investigations of computer misuse. Otherwise the logged information is not passed to any third party except as stated elsewhere in these Terms and Conditions. Summary statistics may be made publicly available, but those that are do not include information from which individuals could be identified.
Except for the links to third party websites or content (as indicated throughout this website), all text and graphics in this website are owned by Us.
Users must not reproduce, download, store in any medium, distribute, transmit or retransmit or manipulate any materials except for the purposes of prospective funding applicants’ decision making processes, personal research or private study, or for temporarily downloading or viewing pages. Reproduction for any other purpose is not permitted without Our written permission which must be obtained in advance.
Use and access
We reserve the right in our sole discretion to deny you access to this website or any part of this website without notice and to decline to provide the service to any user that is in breach of these Terms and Conditions.
You agree not to use this website in any way that causes, or may cause, damage to this website or impairment of the availability or accessibility of this website; or in any way which is illegal, fraudulent, harmful, offensive or obscene or which may harass or cause distress or inconvenience to any person.
Limitation of Warranties and Representations and Liability
Any investments described on this website may not be suitable for all people. Investors must assess for themselves whether any investment service is suitable for their own investment purposes before purchasing or using such service or product. The value of investments and the income derived from them may go down as well as up and you may not receive back all the money which you invest.
Past performance should not be taken as an indication or guarantee of future performance, and no representation or warranty, express or implied, is made regarding future performance. Opinions and/or estimates reflect a judgment at the original date of publication by the firm and are subject to change without notice. The price, value of and income from any of the securities or financial instruments mentioned in this website can fall as well as rise. Foreign currency denominated securities and financial instruments are subject to fluctuations in exchange rates that may have a positive or adverse effect on the value, price or income of such securities or financial instruments. Investors in securities, the values of which are influenced by currency volatility, effectively assume this risk.
Structured securities are complex instruments, typically involve a high degree of risk and are intended for sale only to sophisticated investors who are capable of understanding and assuming the risks involved. The market value of any structured security may be affected by changes in economic, financial and political factors (including, but not limited to, spot and forward interest and exchange rates), time to maturity, market conditions and volatility and the credit quality of any issuer or reference issuer. Any investor interested in purchasing a structured product should conduct its own investigation and analysis of the product and consult with its own professional advisers as to the risks involved in making such a purchase.
This website is subject to periodic update and revision. Materials should only be considered current as of the date of initial publication appearing thereon, without regard to the date on which you may access the information. The firm maintains the right to delete or modify information on this website without prior notice.
We may have issued other reports that are inconsistent with, and reach different conclusions from, the information presented in this website. Those reports reflect the different assumptions, views and analytical methods of the analysts who prepared them and the firm is under no obligation to ensure that such reports are brought to your attention.
We make no warranties or representations relating to, and shall not be liable to you in respect of, this website or any other website to which it may be linked We shall not be liable for the accuracy, quality, completeness, availability of, or your ability to access, this website or any information contained in this website.
Our inclusion of links to other websites does not imply any endorsement of the material of such websites or any association with their operators. You are solely responsible for evaluating the accuracy and completeness of any information contained on the third party websites, and also the value and integrity of any resources, goods and services offered by such websites.
To the extent permitted by law, we do not accept liability for any damages, including without limitation, indirect or consequential damages, or loss of profits, or any damage whatsoever arising out of or in connection with the use or loss of use of this site.
Nothing in these Terms and Conditions (or elsewhere on our website) will exclude or limit our liability for fraud, for death or personal injury caused by our negligence, or for any other liability which cannot be excluded or limited under applicable law.
You are granted access to this website conditional upon your agreement to indemnify Us and not to hold Us liable in any way for the results of any action you may take based on the material contained herein.
Changes to the Terms and Conditions
We reserve the right at any time without notice to revise the content of this website and the Terms and Conditions. Any changes to these Terms and Conditions will be posted on this website and by continuing to use the website following any such change you will signify that you agree to be bound by the revised Terms and Conditions of use.
If any provision of these Terms and Conditions is invalid, illegal or unenforceable, that provision shall, to the extent required, be deemed to be deleted, and the validity and enforceability of the other provisions of these Terms and Conditions shall not be affected.
Any person who is not a party to these Terms and Conditions shall have no right (whether under the Contracts (Rights of Third Parties) Act 1999 or otherwise) to enforce or enjoy the benefit of these Terms and Conditions.
No failure of either Us or you to exercise, and no delay by either Us or you in exercising, any right, power or remedy in connection with these Terms and Conditions (each a “Right”) shall operate as a waiver of that Right.
Any exercise of any Right shall be without prejudice to any other any other rights or remedies and shall not preclude any other or further exercise of that Right or the exercise of any other Right.
English law governs all matters between us in relation to this website and all claims or disputes arising out of or in connection with this website shall be subject to the exclusive jurisdiction of the courts of England and Wales.