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TERMS OF USE

Unbiased.co.uk ("Website") is operated by Unbiased Ltd under licence from
unbiased.co.uk ltd (jointly and severally (as applicable) "we/us/our").

Unbiased Ltd a company registered in England (company no. 06775878) whose
registered office is at 32-38 Saffron Hill, London EC1N 8FH.

The Unbiased comparison service for Stocks & shares ISAs, Junior stocks & shares
ISAs, Lifetime stocks & shares ISAs and SIPPs is provided by Unbiased Group
Services Limited (company number 14201156, FRN 980150) whose registered office
is 3rd Floor 32-38 Saffron Hill, London, United Kingdom, EC1N 8FH. Unbiased
Group Services Limited is an appointed representative of Prosper Capital LLP,
(FRN 453007), (Prosper). Prosper is authorised and regulated by the Financial
Conduct Authority. Neither Unbiased Group Services Limited, Prosper nor any of
their affiliates or group companies provides any advice or makes any
recommendations in relation to any investment on this site. All other services
are provided by Unbiased Limited.

These Terms of use govern the access to and use of our Website by each visitor
to the Website ("you" or “your").  If you do not agree to be legally bound by
these Terms, then you must not use our Website. If you are not 16 years old or
over, you should not use our Website.  We reserve the right at any time without
notice to revise the content of these Terms of use by posting any changes to
this page.  Such revised Terms of us will be effective immediately it is posted
and you will be notified of any changes by a notice posted on our Website for a
period of time following the posting of such changes. By continuing to use our
Website you are bound by all such revised Terms.

Your attention is drawn in particular (without limitation) to the sections
headed "General disclaimer", "Specific disclaimers" and "Exclusion of
liability".

Access to the Website

If the need arises, we may, without notice, suspend access to the Website, on a
temporary or permanent basis (including without limitation if you breach these
Terms or if we need to revise the content of our Website) and we reserve the
right to amend the content of the Website or to withdraw or amend the service we
provide on the Website without notice.  We will not be liable if for any reason
our Website is unavailable at any time or for any period.

Links to other sites

Certain links, including hypertext links, on our Website may take you outside
our Website.  Such links are provided for your convenience and information only
and inclusion of any link does not signify express or implied endorsement or
approval by us of the linked site, its operator or its content.  We are not
responsible for the content of any linked Website and accept no responsibility
for any errors, omissions or misleading statements on any such linked site or
for any loss or damage that may arise from your use of the same.

Advertising

Our Website contains advertising content.  Any such advertisers are solely
responsible for ensuring that all material included in our Website is accurate
and up to date and complies with all applicable laws, regulations and codes of
practice.  If you visit the website of one of our advertisers, you should also
view their own applicable privacy statements or other relevant terms and
conditions.

Acceptable use of our Website

You agree to abide by all applicable laws, regulations and codes of conduct in
force from time to time in respect of your use of our Website.  You must not
misuse our Website by knowingly introducing viruses, trojans, worms, logic bombs
or other material which is malicious or technologically harmful.  You must not
attempt to gain unauthorised access to our Website, the server on which our
Website is stored or any server, computer or database connected to our site. 
You must not attack our Website via a denial-of-service attack or a distributed
denial-of-service attack or in any other way interrupt or attempt to interrupt
the operation of our Website.

You cannot use the Website to create, check, confirm, update or amend your own
or someone else's databases, records, directories, customer lists, mailing or
prospecting lists (data mining).  You may not use the functionality within the
Website to contact advisers for your own commercial purposes.  You may find that
you are blocked from using the Website if you appear to us to be contravening
these terms.  If you are blocked from the website, you will receive a message
displayed on screen informing you that you are blocked. If you believe that you
have not been misusing the website, you should telephone 020 3696 2080 to
request that the block be removed, but the decision to remove any block will be
at our sole discretion.

No commercial use

Except as provided below and subject always to the section below headed
"Intellectual property rights", you agree that you will use our Website only for
your personal or internal business purposes and that you will not use our
Website or any of its contents for any commercial purpose.

The ‘advertise with us’ section of this site is only available to you if you are
a professional adviser eligible to advertise with Unbiased Ltd.  Full Terms and
Conditions for placing an advertisement can be found in the relevant section of
this website.

Use of your information

You agree that we may collect, store, and use information about you in
accordance with our Privacy Policy and these Terms of use.  You acknowledge and
agree to be bound by the terms of our Privacy Policy and these Terms of use as
amended from time to time.  You warrant that all data provided by you is
accurate.

General disclaimer

We provide this Website and its content on an 'as is' and 'as available' basis
and give no representations, guarantees or warranties of any kind, whether
express or implied, with respect to this Website or its contents or that its
operation will be virus free or uninterrupted.  In particular, without
limitation, we give no representation or warranties about the accuracy,
completeness, or suitability for any purpose of the information published on our
Website.  The information available on the Website is intended for general
information purposes only and sets out our understanding of any chosen subject
matter at the time of first publication.  It is not intended to constitute
advice or guidance upon which you may rely and is not a substitute for
professional, financial, care, legal or tax advice based on your personal
circumstances.

All users are advised to seek independent professional advice before acting on
anything contained in our on our Website.  The information:

 * may be incorrect or out of date; and/or
 * may not constitute a complete or definitive statement of the law or any tax
   issues.

Any financial promotions issued by Unbiased Limited have been approved for the
purposes of section 21 of the Financial Services Market Act 2000 by Prosper
Capital LLP which is authorised and regulated by the Financial Conduct Authority
(FRN: 453007).

Specific disclaimers

Without prejudice to the "General disclaimer" in the above section, information
contained in the professional advice search services has been provided by each
of the professional advice advisers.  The information is directed only at
persons in the UK.  Although we ensure professionals must provide their
membership number for the relevant professional body, and we run weekly checks
to verify financial adviser and mortgage adviser data against /FCA records and
care provider data against CQC records, it is not practicable for us to
independently verify all the data provided.  We do not endorse or approve any of
the professional advisers listed in the directories or any information or advice
that they may provide and we accept no responsibility in respect of the same. 
Accordingly it is your responsibility to satisfy yourself that the adviser you
see is independent for the business you are transacting. Any decision to
transact business with an adviser is made by you on the basis of your own
enquiries.

Exclusion of liability

Your use of our Website, and of any links to third party sites, is at your sole
risk.  To the fullest extent permitted by law, neither we nor any of our
directors, employees or other representatives will be liable for any loss or
damage arising out of or in connection with your use of this Website or reliance
on any information available on the Website or any third party site linked to
this Website.  This is a comprehensive exclusion 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 of or
damage to property and claims of third parties.

Notwithstanding the foregoing, none of the exclusions and limitations contained
above affects any statutory rights you may have as a consumer or our liability
for:

 * death or personal injury resulting from our negligence or that of our
   employees or agents;
 * fraud or fraudulent misrepresentation; or
 * any other matter which cannot be excluded or limited.

Intellectual property rights

Except for any content contained within advertisements placed on our site by
professional advisers, we are the owner or the licensee of all intellectual
property rights (including without limitation copyright, and registered and
unregistered trade marks and designs) in our Website and in the material
published on it, including without limitation all copyright in the design, text,
graphics software and other material on our site and the selection or
arrangement thereof.  Permission is granted to electronically copy and print in
hard copy extracts from our Website for your personal reference solely in
connection with the acquisition of goods or obtaining information through our
site.  Any other use of materials on our site (including without limitation use
or reproduction for purposes other than those set out above and any alteration,
modification, distribution, or republication of materials) is strictly
prohibited without our prior written permission.

Where our advertisers have included intellectual property such as trademarks and
logos within their own advertisements placed on our site, they have warranted to
us that they are the owner or licensee of such intellectual property.  If you
believe that your intellectual property rights are being infringed by the
content of any of the advertisements on the site, you should address such
matters to the advertiser in the first instance.

We are the proprietor of the Independent Financial Adviser (IFA) logo which is a
registered trade mark (text and logo) in the UK, as well as other registered
trademarks.  With the exception of any content within advertisements placed on
our site by professional advisers, all other trademarks, product names and
company names or logos used on our Website are the property of us or our
licensors.  No permission is given by us in respect of the use of any such trade
marks, get-up, product names, company names, logos or titles and such use may
constitute an infringement of our or our licensors' rights. IFAs who are
registered on our Website have a limited non-exclusive licence to use the IFA
logo as set out in the terms and conditions for advertising services.

Governing law and jurisdiction

These Terms of use are governed by English law and the English courts have
exclusive jurisdiction in respect of these Terms and their subject matter.

Concerns

If you have any concerns about material which appears on our Website, please see
the 'contact us' section on our Website.

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Find an IFA, Qualified financial advisers, Restricted financial advisers,
Mortgage advisers and Accountants, Adviser Search, financial guides, financial
tools and impartial information on professional financial and legal advice. 0800
011 9671

Any financial promotions issued by Unbiased Limited have been approved for the
purposes of section 21 of the Financial Services Market Act 2000 by Prosper
Capital LLP which is authorised and regulated by the Financial Conduct Authority
(FRN: 453007)






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