you may make use of this website (the "website"). Please read these
use the website. By using the website, you indicate that you accept these terms
of use and that you agree to abide by them. If you do not agree to these terms of
use, please refrain from using the website.
are expected to check this page from time to time to take notice of any changes
we make, as they are binding on you. Some of the provisions contained in these terms
of use may also be superseded by provisions or notices published elsewhere on our
Information About Us
This website is provided to you by United Legal Services Limited (a company
registered in England and Wales under company number 04594095 whose registered office
is at The Old Grammar School, Church Road, Thame, OX9 3AJ) on behalf of Destiny Financial
Services Ltd. Please note that for advice on any of the products on this website contact Destiny
Financial Services Ltd on one of the contact methods provided.
United Legal Services is
also referred to us as "we", "us" and "our".
This website provides you with free information about a range of products and services,
with links to third parties who can provide you with further information about those
products and services.We also provide you with a free service
to compare rates of a number of different financial products. This website provides
you with an information only service, and we do not intend to give you any advice
as to financial products (or other products and services) and which you should choose.
The information provided on this website (including prices and rates of products)
are provided to us by third parties, which we do not check. Therefore, we cannot
be responsible to you for the accuracy of the information and rates quoted in this
website. We will not be responsible if you or any other person rely on the
information and rates published on the website.
It is very important that you check the accuracy of all information and rates which
feature on this website, with an appropriate expert. If you require advice as to
which financial product is right for you, you should contact an independent financial
In our comparison services we try to provide information from as many product providers
as possible to give you a good cross section of the market. However, it is not possible
for us to provide you with information on every product and from every provider.
We do not do any checks on the product providers which we include, and give no warranties
or guarantees as to their reputation or financial security. You should check this
yourself, or talk about it with an independent financial adviser.
The Availability Of Our Website
While we aim to make the website available as much as possible, there are times
when we have to withdraw access to all or part of the website - for example
if we have to do planned or emergency maintenance work or to update the website.
We therefore do not make any guarantees as to when the website will be available.
Since you will receive this website via third party telecommunications networks,
you acknowledge that we cannot guarantee that the availability of this website will
be uninterrupted or error free. Similarly we cannot guarantee that the transmission
of any information over such telecommunications networks will be secure nor that
you will be able to access this website at all times.
Our Obligations And Liability To You
As set out above, we provide the information on the website without any responsibility
for checking its accuracy or appropriateness. This is on the basis that the website
provides a free service, and you are able to, and should, check the information
and rates yourself.
We are responsible for using our reasonable skill and care in providing our website
and on the basis of what we say we can and cannot be responsible for in these website
which flow as a result of our failure to do so, but we will not be responsible to
you for any other losses.
This website is provided for consumers to use only, and therefore we exclude our
liability for any business losses, including: loss of income or revenue, loss of
business, loss of profits or contracts, loss of anticipated savings, loss of data,
loss of goodwill; and wasted management or office time.
We are unable to guarantee that the website is virus and/or error free. You should
always check any content before downloading. Any content is downloaded by you from
the website at your own risk, and on the basis that you will be solely responsible
for any damage to your computer system or loss of data that results from the download
of such content.
injury arising from our negligence, nor our liability for fraudulent misrepresentation
or misrepresentation as to a fundamental matter.
Your Obligations And Liability To Us
You may only use this website (including any content which you access or download)
for lawful purposes, and in any event in accordance with these website terms of
In particular you agree:
- not to use this website to sell or trade in any of the content or other material
copied or downloaded from it;
- not to change any of the text or images contained in this website or merge
it with any other text or images, or forge headers or otherwise manipulate identifiers
in order to disguise the origin of any of content from the website;
- to comply with any legal notices contained in this website; and
- to respect and comply with the legal rights of others, in particular our rights
and the rights of our licensors.
Ownership And Licence
You acknowledge that all rights in copyright, database rights, design rights, trade
marks and other intellectual property rights in this website are owned by us or
our licensors (as appropriate). Except for your use of this Website in accordance
Information About You And Your Visits To Our Website
the website, you consent to such processing and you warrant that all data provided
by you is accurate.
Where our website contains links to other sites and resources provided by third
parties, these links are provided for your information only. We have no control
over the contents of those sites or resources, and accept no responsibility for
them or for any loss or damage that may arise from your use of them.
Please note the following:
- any failure or delay by us to bring legal proceedings in relation to this
rights. Indeed if we do waive any such rights, this shall not be regarded to be
a waiver of any other or future rights we may have;
(Rights of Third Parties) Act 1999 by a third party, who is not a party to these
- you may serve any formal notice on us by contacting us at our registered address
(set out at the top of the page), and we may serve a formal notice on you, by either
first class post or email and such notice will be regarded as formally received
by the other on the next day that is not a weekend or a bank holiday;
Law and in relation to any disputes which may arise in relation to this website
the English and Welsh Courts, unless you are resident in Scotland in which case
you may also bring a legal action in Scotland, or Northern Irish in which case you
may also bring a legal action in Northern Ireland.