Terms of use

At Novia Financial plc, we're committed to preserving the privacy of all visitors to www.novia-financial.co.uk. 

Using of our website

Welcome to www.novia-financial.co.uk (our website), owned and operated by Novia Financial plc. Our website is provided to you subject to the following Terms and Conditions. Please read them carefully because by visiting our website, you are deemed to have accepted them. If you do not agree to our terms, please leave our website.

Legal

Novia Financial plc (“Novia”) is a limited company registered in England & Wales. Register Number: 06467886. Registered office: Cambridge House, Henry St, Bath, Somerset BA1 1JS.

Novia is authorised and regulated by the Financial Conduct Authority. Register Number: 481600.

There are other terms that may apply to you

These Terms and Conditions refer to the following additional terms, which also apply to your use of our website:

  • Our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our website, you consent to such processing and you warrant that all data provided by you is accurate.
  • Our Cookie Policy, which sets out information about the cookies on our website.

Intellectual Property Rights

All intellectual property rights on our website are owned by or licensed to Novia. The reproduction of any material on our website is prohibited, except for the printing and downloading of extracts for use in connection with the Novia Wealth Management Service. The contents of our website (including design, text, graphics, the selection and arrangement thereof and all software compilations, underlying source code, software and all other material) are the property of Novia or its content and technology providers, except in so far as individually stated on particular material or items.

You may view our website for the purposes of the Novia Wealth Management Service only and you are not permitted without our permission (a) to store it or any part of it other than for the purposes set out in this paragraph; (b) to print out copies except for your own viewing/records; or (c) to reproduce, copy or transmit it (or any part of it) in any other way for any purpose other than in connection with the Novia Wealth Management Service or in any other medium. You are also not entitled to alter the content in any way.

Our trade-marks are registered

"novia", "NOVIA", “copia” and “COPIA” are UK registered trade-marks of Novia Financial Plc. “copia” is also an EU registered trade-mark of Novia Financial Plc.  You are not permitted to use them without our approval.

Updating these Terms and Conditions and our website

We amend these terms from time to time. Every time you wish to use our website, please check these terms to ensure you understand the terms that apply at that time.

Our website is made available to you free of charge.  We may update and change our website from time to time. We will try to give you reasonable notice of any major changes.  We do not guarantee that our website, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our website for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

Disclaimer

The information published on our website is provided as a convenience to visitors and should be used for information purposes only. The information does not purport to give investment advice, nor does it constitute a personal recommendation or an offer or a solicitation to buy or sell any security. While we use all reasonable efforts to ensure that the information contained on our website, whether supplied by us or third parties, is current, accurate and complete at the date of publication, no representations or warranties are made (express or implied) as to its reliability, accuracy or completeness. Novia cannot be held liable for any loss arising directly or indirectly from the use of, or any action taken in reliance on, any information appearing on our website.

We do not warrant that our website (or any information downloaded from it) is free  from errors, defects, viruses or other malicious programs or macros. We exclude all other express or implied terms, conditions, warranties, representations or endorsements whatsoever with regard to our website or any information or service provided through it (which are provided to you on an 'as is' basis) and we accept no liability in this regard.

These limitations and exclusions do not affect your non-excludable statutory rights and shall only apply to the extent permitted by applicable law.

Interaction with our website

Please note that there is no guarantee that any email sent will be received, or that the contents of any such email will remain private or unaltered during internet transmission. We accept no liability for any damages you or others may suffer as a result of the alteration or loss of confidentiality of any such information. We reserve the right to monitor the use and content of emails which are sent from and received by us for the purposes of ensuring compliance with our own email policy.  We will take action against unlawful or improper use of our systems, including, but not limited to the introduction by you of viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful to our website.

You must not 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. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

Liability

We accept no responsibility for any loss suffered as a result of using this website, reliance on any of its content or downloading software or information from this site. You should seek advice if you are unsure how to protect your computer.

Residence & UK website usage

Our website is directed to people residing in the United Kingdom. We do not represent that content available on or through our website is appropriate for use or available in other locations.The information on our website is generic and prospective investors and their advisers must therefore read the relevant product literature and contract conditions before investing. We do not (under any circumstances) give financial advice.

Links to other websites

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. Links from our website to other websites are made at your own risk. Novia accepts no liability to you for loss arising from any linked websites or their content.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link to our website in any website that is not owned by you.

Our website must not be framed on any other site, nor may you create a link to any part of our website other than the home page.

We reserve the right to withdraw linking permission without notice.

If you wish to link to or make any use of content on our site other than that set out above, please contact info@novia-financial.co.uk.

Laws that govern our site

These Terms and Conditions will be governed by the laws of England and Wales, and any dispute or action arising out of this site shall be determined in accordance with such laws and by the courts of England.