Please read these Terms and Conditions carefully. By using this website you accept and agree to be bound and abide by these terms. If you do not agree to these terms, you must not use this site. We recommend that you print a copy of these terms for future reference.
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These Terms and Conditions are effective from 20th August 2012.
Last updated 1st November 2020.
Who we are and how to contact us
bankruptcyguide.co.uk is a trading name of Wilmott Turner Financial Services Ltd. Company registration number: 6925024; Data Protection Registration number: Z2180863
Wilmott Turner Financial Services is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 667740).
To contact us, please email enquiries@wilmott-turner.co.uk or telephone our customer service line on 0800 180 8012
Changes to these terms and conditions and website content or functionality
We reserve the right to update these Terms and Conditions and any of the content and functionality of our website from time to time, at our discretion and without notice.
We may change these Terms and Conditions from time to time by updating this page. You should check this page from time to time to track any changes and ensure that you are happy with them. Your continued use of this website following the publishing of updated Terms of and Conditions means that you accept and agree to the changes.
Accessing the website
We work hard to make sure you will have continued and unfettered access to ivainformation.com and the functionality therein. However we do not guarantee that the website will be up and running 24/7.
We will make reasonable efforts to keep the website and functionality provided within in operational. However, certain technical difficulties or maintenance may, from time to time, result in temporary interruptions.
We reserve the right at any time and from time to time to modify or discontinue, temporarily or permanently, functions and features of the website with or without notice. In any case, we will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period, nor for any data loss.
To access certain features of bankruptcyguide.co.uk you may be required to register by entering your name, email and choosing a password as part of our security procedures. You must treat such information as confidential, not disclosing it to any third party. There is a password reset procedure in case you forget your password, but please notify us of any breach of security. We highly recommend to choose a strong password (e.g. “itslongWITHCAPSand99numbers!!”) and you log out from your account at the end of every session.
It is a condition of your use of bankruptcyguide.co.uk that all the information you provide on the Website is correct, current and complete. In the future, you may be asked to provide certain registration details or other information. As custom for internet websites, we reserve the right to disable any user account, at any time in our sole discretion for any or no reason, including, if in our opinion you have failed to comply with any provision of these Terms and Conditions.
We manage your personal data according to our Privacy Policy.
Accuracy of information and content on bankruptcyguide.co.uk, LiveChat and website comments
Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on bankruptcyguide.co.uk for any particular purpose.
You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. If you do so, it will be entirely at your own risk. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.
Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.
Disclaimer of Warranties, Limitations of Liability and Indemnification.
Your use of bankruptcyguide.co.uk.com and the content and/or functionality available through it at your sole risk. The service is provided “as is” and “as available”. We disclaim all warranties of any kind, express or implied, including, without limitation, the warranties of merchantability, fitness for a particular purpose and non-infringement.
We are not liable for damages, direct or consequential, resulting from your use of this website and the content and/or functionality available through it, and you agree to defend, indemnify and hold us harmless from any claims, losses, liability costs and expenses (including but not limited to solicitor’s fees) arising from your violation of any third-party’s rights.
You acknowledge that you have only a limited, non-exclusive, non-transferable use of the content and/or functionality available through this site. Because the site is not error or bug free, you agree that you will use it carefully and avoid using it in ways which might result in any loss of your or any third party’s property or information.
Wilmott Turner Financial Services is authorised by the Financial Conduct Authority to provide debt counselling services on a commercial basis. We cannot provide legal or financial advice over and above debt counselling.
Intellectual property
Bankruptcyguide.co.uk contains material which is owned by or licensed to Wilmott Turner Financial Services Ltd. This material includes, but is not limited to, the design, layout, look, appearance, graphics and content. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.
All trademarks reproduced on this website which are not the property of, or licensed to us, are acknowledged on the website.
Unauthorised use of this website may give to a claim for damages and/or be a criminal offence.
Links to third party Websites
From time to time ivainformation.com may also include links to other third party websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).
Severability
Should for any reason or to any extent any provision of these Terms and Conditions be held invalid or unenforceable, such invalidity or enforceability shall not in any manner affect or render invalid or unenforceable the remaining provisions of these Terms and Conditions and the application of these remaining provisions shall be enforced to the extent permitted by law.
Legal jurisdiction
Your use of bankruptcyguide.co.uk and any dispute arising out of such use of it is subject to the laws of England, Scotland and Wales.
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