Websites maintained and operated by The Harvest Partnership Limited ('the Company') are subject to the following Terms. These will be supplemented with our normal Terms of Business, etc. where business is transacted by the Company specifically for you.

This site is intended for use by residents of the United Kingdom of Great Britain and Northern Ireland ('the UK') who are age 18 or over. The site may also be appropriate for UK expatriots where use of the site and any arrangements made are not in conflict with local laws or ordinances and where the client maintains links with the UK (for example, remains UK tax domiciled). If you do not meet these qualifications your use of this website is for information only and no attempt should be made by you to obtain advice/products/referrals from the Company. However, subject to your acceptance of these Terms you are welcome to browse the site and refer our services to those who do meet these qualifications. If you do not agree to be bound by the Terms you should not use this website.

The following words have the following meanings:
"Terms" means these terms and conditions;
"Product Provider" means any insurance company, collective investment scheme (e.g., Unit Trust, Investment Trust), stock broker, bank, fund manager or any other financial institution;
"Us/Our" means the The Harvest Partnership Limited;
"You" means the user of the website.

Copyright, Trademarks and Intellectual Property
You acknowledge and accept that all copyright, trademarks and all other intellectual property rights in all material or content provided as part of the website belong to us, a Product Provider or other entity and all such copyrights and trademarks are hereby acknowledged. Material may be downloaded from this site by you for your personal use only. Copyright subsists on all material in this site and no right, title or interest in any downloaded materials is transferred to you by such downloading.
Any other use of the material and content of the website is strictly prohibited and you agree not to copy, reproduce, sell, store, transmit, publish, display, distribute, commercially exploit or create derivative works of such material except where necessary for the purpose of applying for products with a Product Provider via our agency or with our written consent.

Our Liability to You
We take pride in our work and information offered within this site is offered in good faith. However, information can sometimes be overtaken by changes in legislation and, of course, its interpretation and efficacy will be based on personal circumstances. So, whilst we will make all reasonable endeavours to ensure the accuracy of any information placed on the website, we make no representations or give any warranties of any kind with respect to this site, its accuracy or its contents. Any information provided by Product Providers is beyond our control and you acknowledge that we have no liability to you with respect to the accuracy of such information. As we rely on information given to us by third parties there may be a time delay in keeping that information up to date. You should therefore check the accuracy of the information before relying on it.

The Company is a 'full service' broker. That means we prefer to offer clients independent advice that is specific to their situation and drawn from the whole market. Where any transaction is based on the 'execution only' model we will inform you.

Any list of products or Product Providers on this website is not exhaustive.

We offer no warranty that this website will meet your requirements or will be uninterrupted, timely, secure or error-free, or that any defects will be corrected, or that the site or the server on which this material is hosted are free of viruses, bugs, omissions or represents the full functionality, accuracy or reliability of the materials. We will not be liable to you for any loss of content or material uploaded or transmitted through this website, another website maintained by the Company or that of a Product Provider.

Products (and the legislative framework in which they exist) can sometimes be changed at very short notice. We therefore cannot guarantee that a Product Provider will be able to provide an investment at any particular time. We do not accept any liability in the event of withdrawal of any offering of an investment or for rejection of your application by the Product Provider for any reason whatsoever.

Neither we, nor any of our directors, agents or employees will be liable for damages arising out of or in connection with your use of this site. This is a comprehensive limitation of liability that applies to all damages of any kind, including, without limitation, compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss or damage to property and claims of third parties.

This website is designed to provide you with general information only and does not attempt to give you advice on any particular investment or to recommend any particular investment to you. If you have any doubt as to whether a particular investment is suitable for you, you should contact us for advice.

In using this website, we require that you abide by these Terms. If you fail to abide by them, and this failure causes us to suffer a claim, action, liability, or loss because of your failure to abide by these Terms, you agree to indemnify us, on demand, for all costs and expenses, including legal fees, which arise out of your failure to abide by these Terms.

Our Rights
We reserve the right at any time to modify or withdraw, temporarily or permanently, the website or any part thereof without notice to you and we will not be liable to you in any way for any modification or withdrawal of the website. We also reserve the right to modify these Terms without reference to you.

We reserve the right at any time to refuse to process a transaction for any reason. We will not be liable to you or any third party by reason of our failing to process a transaction.

By making an application for any investment or insurance you expressly authorise us to transmit information or to obtain information about you from third parties from time to time, including but not limited to your credit reports, in order to authenticate your identity.

External Links
You acknowledge and agree that we are not responsible for the availability or functionality of external sites to which you may have linked via this site. The content of external sites is beyond our control and thus are not endorsed by us and we are not responsible or liable, directly or indirectly, for any loss however caused to you by your use of any external site.

We shall not be liable to you where performance of any of our obligations to you is prevented, frustrated or impeded by any circumstance or cause beyond our control.
In the event of the unenforceability in law of any part(s) of these Terms all other parts of these Terms shall not be affected and shall remain in force.
These Terms shall be governed by and construed in accordance with English law and the English courts shall have jurisdiction over any disputes between us. These disclaimers do not attempt to disclaim liability for matters that cannot be excluded under any applicable English law or the rules of the Financial Conduct Authority or its successor.

The Compliance Officer, The Harvest Partnership Ltd, 160 High Street, Broadstairs, Kent, CT10 1JA