Legal Information

Copyright Notice and Disclaimer

  1. 1. Copyright
    1. 1.1 The Financial Conduct Authority owns the copyright and any other rights in all material on this site and the Handbook site, other than any Parliamentary material, third party stock images (such as photographs) and other material as indicated subject to Clause 1.2 below.
    2. All Intellectual property rights in the:
      1. 1.2.1 Former FSA Handbook will continue to belong to the FCA
      2. 1.2.2 Handbook developed by the FCA, will belong to the FCA
    3. 1.3 Subject to Clause 5 below (special conditions applying to the Comparative Tables section of the FCA website) you may print and download extracts from this site on the following conditions:
      1. 1.3.1 the documents and related graphics on this site are for personal use or for use within an individual firm or organisation; any copies of these pages that you save to disk or to any other storage medium may (subject to the exception referred to at 1.3.4 below) only be used for subsequent personal viewing purposes or for viewing within the firm or organisation by which they were saved or stored;
      2. 1.3.2 any extracts which are printed may only be used for personal viewing - or for viewing within the firm or organisation by which they were printed (subject only to the exception referred to at 1.3.4 below);
      3. 1.3.3 neither pages saved to disk or stored in any way, nor extracts printed, may (subject to the exception referred to at 1.3.4 below) be distributed to third parties or sold or otherwise circulated for profit;
      4. 1.3.4 the only permitted exception to the general rules stated in clauses 1.3.1 to 1.3.3 above is where extracts (of no more than a few relevant provisions) are copied to individual third parties incidental to advice or other activities;
      5. 1.3.5 no documents or related graphics on this site are to be modified in any way;
      6. 1.3.6 graphics on this site are not to be used separately from the accompanying text; and
      7. 1.3.7 the source of our material should be acknowledged in all copies, either by appropriate words or by adding the FCA copyright symbol (i.e. © Financial Conduct Authority).
    4. 1.4 Subject to Clause 5 below (special conditions applying to the Comparative Tables section of the FCA website) 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.
    5. 1.5 Any rights not expressly granted in these terms are reserved.
    6. 1.6 This website contains public sector information licensed under the Open Government Licence v 3.0.
  2. 2. Service Access
    1. 2.1 While we try to ensure that the FCA and Handbook websites are normally available 24 hours a day, we will not be liable if, for any reason, the sites are unavailable for any period of time.
    2. 2.2 Access to the sites may be suspended temporarily or permanently and without notice.
  3. 3. Disclaimer
    1. 3.1 We try to ensure that the information on this site is correct, but we do not give any express or implied warranty as to its accuracy. We do not accept any liability for error or omission.
    2. 3.2 The definitive version of an FCA publication other than the FCA Handbook is the original, printed one. The definitive version of FCA Handbook text at any particular time is the version contained in the instruments (including amending instruments) published on the FCA website.
    3. 3.3 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 this site, or any material contained in it, or from any action or decision taken as a result of using this site or any such material.
    4. 3.4 Part of this site contains material sent to us by third parties. These third parties are responsible for ensuring that the material they submit to us complies with national and relevant foreign law. 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.
    5. 3.5 The materials on this site do not constitute financial or other professional advice. You should consult your professional adviser if you require financial advice.
    6. 3.6 The FCA and Handbook website offers links to other sites that enable you to leave the FCA and Handbook sites. We do not control the linked sites (with exception of 'Jobs at FCA') and we are not responsible for the contents of any linked site or any link in a linked site, or any changes or updates to such sites. We are not responsible for webcasting or any other form of transmission received from any linked site. We provide these links to you only as a convenience, and the inclusion of any link does not imply our endorsement of the site.
  4. 4. General
    1. 4.1 By accessing any part of this site, you will be deemed to have accepted these terms in full.
    2. 4.2 These terms are governed by and interpreted in line with English Law.
  5. 5. Special additional terms and conditions applying to the Comparative Tables section of the FCA website.
    1. 5.1 You can print and download extracts from the Comparative Tables section of the FCA website on the following conditions. These apply in addition to, or (where indicated) in place of, the other conditions specified in this section headed Legal Information.
    2. 5.2 If you intend to publish material from this site, to use it in promotions, advertising or product literature or in some other form in the public domain, then you must comply with the following terms.
      1. 5.2.1 Our copyright notice (i.e. © The Financial Conduct Authority) must appear in all copies.
      2. 5.2.2 The date that we last updated the information (as indicated on the website) must be stated clearly on all copies, with the website address ((http://tables.moneyadviceservice.org.uk/Comparison-tables-home/); for example Information taken from the FCA's Comparative Tables ((http://tables.moneyadviceservice.org.uk/Comparison-tables-home/) as at [date].
      3. 5.2.3 The publication must not imply FCA endorsement of any company or product or of any conclusions drawn from the data.
      4. 5.2.4 Any tables must either:
        1. a. be presented complete and with no additions; or
        2. b. if one or more tables is not complete, state that the information is based on a limited selection taken from the tables prepared by the FCA; for example Selected from a total of [total number of products shown on website or printed table] products.
      5. 5.2.7 If you include additional data, you must distinguish it from the data provided by FCA and clearly identify its source.
      6. 5.2.8 If you present our data in non-alphabetical order, you must make clear the basis for the way you have ordered it and must not indicate or imply any FCA endorsement of the ordering.
    3. 5.3 Information from this site is freely available for research. However, if you use or quote this material to a client in connection with a financial product or service, then in addition to complying with the conditions in 5.2 above you must give the client a print of the appropriate table. This should be:
      1. 5.3.1 as filtered and sorted by you;
      2. 5.3.2 complete in that it should include all products that remain after filtering, not just any you have shortlisted;
      3. 5.3.3 accompanied by the supporting introduction and column explanation pages;
      4. 5.3.4 as created using the print function on this site, without amendment.