Terms and Conditions of Use

1. These terms of use (together with the documents referred to in it) apply to any individual or organisation (“You” / “Your”) using the website www.handbook.fca.org.uk (“Site”). Use of the Site includes accessing, browsing, or registering to use the Site. Please read these terms of use carefully before You start to use the Site.

Who we are

2. This Site is hosted and managed by FinregE ltd, of One Canada Square Canary Wharf, London. registered in England and Wales under company number 11139011, on behalf of the Financial Conduct Authority of 12 Endeavour Square, London E20 1JN, under company number 01920623 (“Us” / “We”/ “Our” / “FCA”).

By using the Site You accept these terms

3. By using the Site, You confirm that You accept these terms of use and You agree to comply with them. If You do not agree to these terms of use, You must not use the Site.

There are other terms that apply to You

4. These additional terms apply to Your use of the Site:

• a. Our Privacy Policy, which explains how we collect, use and store Your personal data. By using the Site, You consent to such processing and You warrant that all data provided by You is accurate.
• b. Our Cookie Policy, which sets out information about the cookies on the Site.

Changes to these terms

5. We may amend these terms at any time. Please check this page from time to time to review any changes We make, as they are binding on You.

Changes to Our Site

6. We may change the Site and its contents from time to time without notice.

Accessing our site

7. The Site is made available free of charge.

8. We do not guarantee that the Site, or any content on it, will always be available or uninterrupted. We may suspend, withdraw or discontinue any part of the Site without notice. We will not be liable to You if for any reason the Site is unavailable at any time or for any period.

9. You are responsible for making all arrangements necessary for You to have access to the Site.

10. You are responsible for ensuring that all persons who access the Site through Your internet connection or an internet connection provided by You are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

Online Subscribers

11. If You choose, or You are provided with, a user identification code, password or any other piece of information as part of Our security procedures, You must treat such information as confidential. You must not disclose it to any third party. We also recommend that You log out of Your account once you have completed Your transaction or enquiry especially if You are using a shared computer.

12. We have the right to disable any user identification code or password, whether chosen by You or allocated by us, at any time, if in Our reasonable opinion You have failed to comply with any of the provisions of these terms of use.

13. If You know or suspect that anyone other than You knows Your user identification code or password, You must promptly notify Us at Handbookfeedback@fca.org.uk.

Copyright Notice

14. We, or Our licensors own the copyright and any other rights in all material on the Site, other than any Parliamentary material, third party stock images (such as photographs) and other material as indicated.

15. You may print and download extracts from this Site for personal use or for use within an individual firm or organisation only.

16. No documents or related graphics on this Site are to be modified in any way.

17. Graphics on this Site are not to be used separately from the accompanying text.

18. The source of Our material should be acknowledged in all copies, either by appropriate words or by adding the FCA copyright symbol (ie, © FCA).

19. You must not use any part of the content on this Site for commercial purposes without obtaining a licence to do so from Us or Our licensors.

20. Subject to clauses 14 to 19, You must not reproduce or store any part of this Site in any other website or include it in any public or private electronic retrieval system or service, without our prior written permission.

21. Any rights not expressly granted in these terms are reserved.

Disclaimer

22. The definitive version of FCA Handbook text at any particular time is the version contained in the Rule-making and Amending Instruments published on this Site.

23. We take reasonable steps to ensure that the information on the Site is correct, but We do not give any express or implied warranty as to its accuracy. We do not accept liability for any error or omission.

24. Any of the content on the Site may be out of date at any given time, and We are under no obligation to update it.

25. The materials on this Site do not constitute financial or other professional advice. You should consult Your professional adviser if You require financial advice.

26. We are not responsible for webcasting or any other form of transmission received from any linked site.

27. We do not maintain information contained within legacy pages and do not warrant that these pages remain correct.

28. We do not guarantee that the Site will be secure or free from bugs or viruses.

29. You will not:

• a. violate the security of the Site nor attempt to gain unauthorised access to the Site, data, materials, information, computer systems or networks connected to any server associated with the Site, through hacking, password mining or any other means;
• b. take nor attempt any action that, in the sole discretion of Us, imposes or may impose an unreasonable or disproportionately large burden on the Site or its infrastructure;
• c. use nor attempt to use any “scraper,” “robot,” “bot,” “spider,” “data mining,” “crawler,” “computer code,” or any other automated device, program, tool, algorithm, process or methodology to access, acquire, copy, or monitor any portion of the website, any data or content found on or accessed through the Site without Our prior written consent;
• d. forge headers or otherwise manipulate identifiers in order to disguise the origin of any other content.

Limitation of our liability

30. We are not liable for any damages (including, without limitation, damages for loss of business or loss of profits) arising in contract, tort or otherwise from the use of or inability to use the Site, or any material contained in it, or from any action or decision taken as a result of using the Site or any such material.

31. You agree not to use the Site for any commercial or business purposes, and we have no liability to You for any loss of profit, loss of business, business interruption, or loss of business opportunity.

32. We will not be liable for any loss or damage that may arise from Your use of third-party links on the Site. You link to any linked sites at Your own risk.

Viruses

33. We do not guarantee that the Site will be secure or free from bugs or viruses.

34. We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect Your computer equipment, computer programs, data or other proprietary material due to Your use of the Site or to Your downloading of any content on it, or on any website linked to it.

35. You are responsible for configuring Your information technology, computer programmes and platform in order to access the Site. You should use Your own virus protection software.

36. You must not misuse the site by knowingly introducing viruses, Trojans, worms, logic bombs or other material which is malicious or technologically harmful.

Linking to our site

37. You may link to the 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.

38. 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 and You must not use Our logo or any trade mark.

39. You must not establish a link to the Site in any website that is not owned by You.

40. The Site must not be framed on any other Site, nor may You create a link to any part of the Site other than the home page.

41. We reserve the right to withdraw linking permission without notice.

42. If You wish to make any use of content on the Site other than that set out above, please contact handbook.feedback@.org.uk.

Licencing FCA handbook content

43. If You would like to reproduce more than 20,000 words from the FCA Handbook You will need to apply for a Handbook Licence Agreement.

Third party links and resources in our site

44. Part of this Site may contain material sent to Us by third parties. We are not responsible for any error, omission or inaccuracy in the material. We reserve the right to omit, suspend or edit any material submitted.

45. We are not responsible for any third parties We link to on the Site (with exception of links to fca.org.uk and subdomains). Any links provided by third parties should not be interpreted as approval by Us of those linked websites or information You may obtain from them and We are not responsible for the operation of any such links.

Applicable law

46. If you are a consumer, these terms of use, its subject matter and its formation, are governed by English law and the courts of England and Wales have non-exclusive jurisdiction. If you are a resident of Northern Ireland You may also bring proceedings in Northern Ireland, and if you are resident of Scotland, You may also bring proceedings in Scotland.

47. If you are a business, these terms of use, its subject matter and its formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

Trade marks

48. You may not use the Financial Conduct Authority’s or any third party’s name, logo or any other identifying mark on this Site for any purpose.