About our terms
These terms and conditions of use (Terms) explain how you may use this website and any of its content (Site). These Terms apply between Parity Financial Limited (we, us or our) and you, the person accessing or using the Site (you or your).
You should read these Terms carefully before using the Site. By using the Site or otherwise indicating your consent, you agree to be bound by these Terms. If you do not agree with any of these Terms, you should stop using the Site immediately.
These Terms apply to any parts of the Site, its functionality and content provided to you free of charge for information purposes only.
If you use services available from the restricted part of the Site, separate terms and conditions will apply.
We are Parity Financial Limited (trading as Parfin), a company registered in England and Wales under company registration number 11594255. Our registered office is at 8-10 Hill Street, London, W1J 5NG. Our VAT registration number is 329720493.
If you have any questions about the Site, please contact us by:
Using the site
The elements of this Site that are free to access are for information only.
You agree that you are solely responsible for all costs and expenses you may incur in relation to your use of the Site.
We make no promise that the Site is appropriate or available for use in locations outside of the UK. If you choose to access the Site from locations outside the UK, you acknowledge you do so at your own initiative and are responsible for compliance with local laws where they apply.
We restrict access to the Site from the United States of America (USA), however you may be able to access some parts of the Site from the USA and you agree that if you are in the USA, a citizen of the USA or otherwise subject to USA law and regulation, that you will treat the Site as being for information purposes only, and that you shall not make an application to use any services provided by us via the Site or its sub-domains from time to time, nor shall you procure or cause a third party to do the same whether on your behalf or their own.
As a condition of your use of the Site, you agree to comply with our Acceptable Use Policy which is set out below, you agree not to:
misuse or attack our Site by knowingly introducing viruses, trojans, worms, logic bombs or any other material which is malicious or technologically harmful (such as by way of a denial-of-service attack), or
attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site.
We may prevent or suspend your access to the Site if you do not comply with these Terms or any applicable law.
Registration and password security
Use of the Site may require registration, particularly in order to access restricted areas of the Site.
We are not obliged to permit anyone to register with the Site and we may refuse, terminate or suspend registration to anyone at any time.
You are responsible for making sure that your password and any other account details are kept secure and confidential.
If we have reason to believe there is likely to be a breach of security or misuse of the Site through your account or the use of your password, we may notify you and require you to change your password, or we may suspend or terminate your account.
Your privacy and personal information
Ownership, use and intellectual property rights
The intellectual property rights in the Site and in any text, images, video, audio or other multimedia content, software or other information or material submitted to or accessible from the Site (Content) are owned by us and our licensors.
We and our licensors reserve all our intellectual property rights (including, but not limited to, all copyright, trade marks, domain names, design rights, database rights, patents and all other intellectual property rights of any kind) whether registered or unregistered anywhere in the world. This means, for example, that we remain owners of them and are free to use them as we see fit.
Nothing in these Terms grants you any legal rights in the Site or the Content other than as necessary for you to access it. You agree not to adjust, try to circumvent or delete any notices contained on the Site or the Content (including any intellectual property notices) and in particular, in any digital rights or other security technology embedded or contained within the Site or the Content.
Trade marks: Trade marks and trade names may also be used on the Site or in the Content. Use by you of any trade marks on the Site or in the Content is strictly prohibited unless you have our prior written permission.
Submitting information to the site
While we try to make sure that the Site is secure, we do not actively monitor or check whether information supplied to us through the Site is confidential, commercially sensitive or valuable.
Accuracy of information and availability of the site
We try to make sure that the Site is accurate, up-to-date and free from bugs, but we cannot promise that it will be. Furthermore, we cannot promise that the Site will be fit or suitable for any purpose. Any reliance that you may place on the information on the Site is at your own risk.
We may suspend or terminate access or operation of the Site at any time as we see fit.
Any Content is provided for your general information purposes only and to inform you about us and our products and news, features, services and other websites that may be of interest, but has not been tailored to your specific requirements or circumstances. It does not constitute technical, financial or legal advice or any other type of advice and should not be relied on for any purposes. You should always use your own independent judgment when using our Site and its Content.
While we try to make sure that the Site is available for your use, we do not promise that the Site will be available at all times or that your use of the Site will be uninterrupted.
Hyperlinks and third party sites
The Site may contain hyperlinks or references to third party advertising and websites other than the Site. Any such hyperlinks or references are provided for your convenience only. We have no control over third party advertising or websites and accept no legal responsibility for any content, material or information contained in them. The display of any hyperlink and reference to any third party advertising or website does not mean that we endorse that third party’s website, products or services. Your use of a third party site may be governed by the terms and conditions of that third-party site and is at your own risk.
Limitation on our liability
Except for any legal responsibility that we cannot exclude in law (such as for death or personal injury) or arising under applicable laws relating to the protection of your personal information, we are not legally responsible for any:
losses that were not foreseeable to you and us when these Terms were formed;
losses that were not caused by any breach on our part;
business losses; and
losses to non-consumers.
Events beyond our control
We are not liable to you if we fail to comply with these Terms because of circumstances beyond our reasonable control, including, but not limited to, strikes, lock-outs or other industrial disputes; breakdown of systems or network access; or flood, fire, explosion or accident.
Rights of third parties
No one other than a party to these Terms has any right to enforce any of these Terms.
No changes to these Terms are valid or have any effect unless agreed by us in writing or made in accordance with this clause 13.
We reserve the right to vary these Terms from time to time. Our updated Terms will be displayed on the Site and by continuing to use and access the Site following such changes, you agree to be bound by any variation made by us. It is your responsibility to check these Terms from time to time to verify such variations.
We will try to resolve any disputes with you quickly and efficiently. If you are unhappy with us, please contact us as soon as possible using the contact details set out at the top of this page.
Relevant United Kingdom law will apply to these Terms. If you want to take court proceedings, the relevant courts of the United Kingdom will have non-exclusive jurisdiction in relation to these Terms.