Disclaimer

Disclaimer

1. Website disclaimer:

General Advice Disclaimer

The information on the Structured Credit Research LLP (‘SCR’) website, (‘website’) is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant offering document prior to acquiring a financial product.

2. Conditions of Use:

Condition of use

Structured Credit Research LLP, (Company Number OC328062), operates this website. These Conditions of Use govern the supply of material on, use of and access to this website. By accessing the SCR website, you agree to be bound by these Conditions of Use and any modifications of them.

Information and accuracy

- Information provided on the SCR website is of a general nature and does not take into account your individual circumstances, financial needs or objectives;

- Is not intended to be investment advice nor a recommendation or statement of opinion about any particular financial product or class of financial products. As a result, it should not be relied upon in acquiring any product or service offered by SCR; and

- Is provided in good faith and derived from sources believed to be accurate and current at the date of publication. However, SCR does not guarantee the accuracy, adequacy or completeness of information on the website or that it is otherwise free from error, omission or other defect. SCR reserves the right to change any information provided on the SCR Website without notice.

SCR does not guarantee that your use of the website will be uninterrupted, timely or secure.

Users conduct

You warrant that when accessing and using the SCR website you will not use it for any purpose that is unlawful or prohibited by these On-line Conditions of Use or any other term, notice or disclaimer appearing on this website. You also agree to not use the SCR website in any way that interferes with other users.

You agree not to breach or circumvent, or attempt to breach or circumvent, any security measures on the SCR website (including 'hacking' those websites) or attempt to obtain access to secure or member parts of the SCR website without authorisation.

SCR retains the right to monitor your use of the SCR website and prevent further access at any time in its discretion

The material on the SCR website is protected by copyright. You may only use this material for your own personal reference. You must not otherwise use, reproduce, publish, modify, distribute, link, frame, transmit in any form or by any means, electronic or mechanical, for any purpose, any of the material on the SCR website, except with the prior written permission of SCR.

Trade marks used on the SCR website are the property of SCR. You must not use a trade mark used on the SCR websites without the prior written consent of the owner of that trade mark.

Notice specific to software available on this site

Any software that is made available to download from the Services ("Software") is the copyrighted work of SCR and/or its suppliers. Use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the Software ("License Agreement"). An end user will be unable to install any Software that is accompanied by or includes a License Agreement, unless he or she first agrees to the License Agreement terms.

The Software is made available for download solely for use by end users according to the License Agreement. Any reproduction or redistribution of the Software not in accordance with the License Agreement is expressly prohibited by law, and may result in civil and criminal penalties. Violators will be prosecuted to the maximum extent possible.

Without limiting the foregoing, copying or reproduction of the software to any other server or location for further reproduction or redistribution is expressly prohibited, unless such reproduction or redistribution is expressly permitted by the license agreement accompanying such software.

This software is warranted, if at all, only according to the terms of the license agreement. Except as warranted in the license agreement, SCR hereby disclaims all warranties and conditions with regard to the software, including all warranties and conditions of merchantability, whether express, implied or statutory, fitness for a particular purpose, title and non-infringement.

For your convenience, SCR may make available as part of the services or in its software products, tools and utilities for use and/or download. SCR does not make any assurances with regard to the accuracy of the result or output that derives from any such use of any such tools

Links to third party websites

This website may contain hyperlinks and other pointers to websites operated by third parties. These linked websites are not under SCR's control, and SCR is not responsible for the contents of any linked website or any hyperlink contained in a linked website. SCR provides these hyperlinks as a convenience only, and the inclusion of any link does not imply any endorsement of the linked website by SCR. You agree to access any such third party website entirely at your own risk.

Exclusion and limitation of liability

Because of the possibility of human and mechanical error as well as other factors, the website (including all information and materials contained on the website) is provided ‘’as is’’ and ‘’as available’’. We and any third party data providers:

- Are not providing any warranties and representations regarding the website

- Disclaim all warranties and representations of any kind with regard to the website, including any implied warranties of merchantability, non-infringement of third party rights, freedom from viruses or other harmful code, or fitness for a particular purpose.

- Do not warrant the accuracy, adequacy or completeness of the information and materials contained on the website and expressly disclaim liability for errors or omissions in the materials and informational and will not be liable for any delay, difficulty in use, computer viruses, malicious code or other defect in this website, any incompatibility between the website and the users files and the users browser or other site accessing program, or any other problems experienced by the user due to causes beyond our control.

- SCR's liability for breach of any warranty or condition implied by law that cannot be excluded is limited, at SCR's option, to:

- in the case of services supplied or offered by SCR:

- the re-supply of those services; or

- the cost of having those services re-supplied; and

- in the case of goods supplied or offered by SCR:

- the replacement of the goods or the supply of equivalent goods;

- the repair of the goods; or

- The cost of having the goods replaced or repaired.

No license to the user is implied in these disclaimers. Nothing herein shall be construed as limiting or reducing our responsibilities and obligations to clients in accordance with applicable laws and regulations.

Under no circumstances will we be liable for any lost profits, lost opportunity or any indirect, consequential, incidental, special, punitive, or exemplary damages arising out of any use of or inability to use the website or any portion thereof, regardless of whether we have been appraised of the likelihood of such damages occurring and regardless of the form of action, whether in contract, warranty, tort (including negligence, strict liability, or otherwise.

Privacy & Security

Personal information may be collected and used by SCR in accordance with its Privacy Policy

3. Privacy policy

At SCR, we understand your concerns about privacy and security of personal information. We are committed to protecting all personal information about you that we hold. This privacy policy describes how we manage your personal information and safeguard your privacy.

Information collected

We only collect personal information that is necessary for us to perform our functions. The kinds of personal information we collect and hold will depend upon the type of service you request from us. This could include:

- information you give us when you request a product or service from us. This information will include your name, address and contact details;

Use of our web site

We may collect some information from you when you use our website. Your use of the facilities and services available through the website will determine the amount and type of information which we collect about you. Some of this information will not be personal information because it will not reveal your identity.

When you visit the website, our server places small pieces of data known as 'cookies' on your hard drive. Cookies are pieces of information that are transferred to your computer when you visit a website for record-keeping purposes. Most web browsers are set to accept cookies. However, if you do not wish to receive any cookies you may set your web browser to refuse cookies. We use cookies to provide us with aggregate (anonymous) information on how people use our website and to help us to know what our customers find interesting and useful in our website. We do not link this information back to other information that you have provided to us.

Using and Disclosing Your Personal Information

Any personal information that we collect about you will be used by us:

- To assess your applications for products or services that we may provide; and

- To provide you with the products or services.

We may also use your personal information to help us develop other products and services and to provide you with information about other products and services offered or distributed by us.

Contracting out services and disclosures

We contract out some of our functions (such as mailing) to external service providers. We may disclose your personal information to these service providers but only so that they can provide the services that we have contracted out to them.

Changes to our privacy policy

From time to time our privacy statement may change. We may notify you about changes to our privacy statement by posting an updated version on our website.

4. Governing Law

These On-line Conditions of Use and other terms, notices and disclaimers appearing on this website are governed by the law in force in the United Kingdom. You agree to the non-exclusive jurisdiction of the courts of the United Kingdom and any courts which may hear appeals from those courts in respect of any proceedings in connection with these online conditions of use.