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Website terms and conditions of use

Legal

This agreement applies between you, the User of this Web Site and The Path Financial Ltd, the owner(s) of this Web Site. Your agreement to comply with and be bound by these terms and conditions is deemed to occur upon your first use of the Web Site. If you do not agree to be bound by these terms and conditions, you should stop using the Web Site immediately.

1. Definitions and interpretation

In this Agreement the following terms shall have the following meanings:

“Content” means any text, graphics, images, audio, video, software, data compilations and any other form of information capable of being stored in a computer that appears on or forms part of this Web Site;

“Path” means The Path Financial Ltd;

“Service” means collectively any online facilities, tools, services or information that Path makes available through the Web Site either now or in the future;

“System” means any online communications infrastructure that Path makes available through the Web Site either now or in the future. This includes, but is not limited to, web-based email, message boards, live chat facilities, and email links;

“User” / “Users” means any third party that accesses the Web Site and is not employed by Path and acting in the course of their employment; and

“Web Site” means the website that you are currently using (thepath.co.uk) and any sub-domains of this site unless expressly excluded by their own terms and conditions.

2. Intellectual Property

.1 All Content included on the Web Site, unless uploaded by Users, including, but not limited to, text, graphics, logos, icons, images, sound clips, video clips, data compilations, page layout, underlying code, and software is the property of Path, our affiliates or other relevant third parties. By continuing to use the Web Site you acknowledge that such material is protected by applicable United Kingdom and International intellectual property and other relevant laws.

2.2 Subject to sub-clause 2.3 you may not reproduce, copy, distribute, store or in any other fashion re-use material from the Web Site unless otherwise indicated on the Web Site or unless given express written permission to do so by Path.

2.3 Material from the Web Site may be re-used without written permission where any of the exceptions detailed in Chapter III of the Copyright Designs and Patents Act 1988 apply.

3. Links to other web sites

This Web Site may contain links to other sites. Unless expressly stated, these sites are not under the control of  Path or that of our affiliates. We assume no responsibility for the content of such web sites and disclaim liability for any and all forms of loss or damage arising out of the use of them. The inclusion of a link to another site on this Web Site does not imply any endorsement of the sites themselves or of those in control of them.

4. Links to this web site

Those wishing to place a link to this Web Site on other sites may do so only to the home page of the site thepath.co.uk without prior permission. Deep linking (i.e. links to specific pages within the site) requires the express permission in writing. To find out more please contact us by email at hello@thepath.co.uk.

5. Privacy

The use of the Web Site is also governed by our Privacy Policy, which is incorporated into these terms and conditions by this reference.

6. Disclaimers

6.1 Path makes no warranty or representation that the Web site will meet your requirements, that it will be of satisfactory quality, that it will be fit for a particular purpose, that it will not infringe the rights of third parties, that it will be compatible with all systems, that it will be secure and that all information provided will be accurate. We make no guarantee of any specific results from the use of our Service.

6.2 No part of this Web Site is intended to constitute advice and the content of this Web Site should not be relied upon when making any decisions or taking any action of any kind, except for the commercial section around our terms and conditions.

7. Availability of the Web Site

The service is provided “as is” and on an “as available” basis. We give no warranty that the Service will be free of defects and/or faults. To the maximum extent permitted by the law we provide no warranties (express or implied) of fitness for a particular purpose, the accuracy of the information, compatibility and satisfactory quality.

Path accepts no liability for any disruption or non-availability of the Web Site resulting from external causes including, but not limited to, ISP equipment failure, host equipment failure, communications network failure, power failure, natural events, acts of war or legal restrictions and censorship.

8. Limitation of liability

8.1 To the maximum extent permitted by law, Path accepts no liability for any direct or indirect loss or damage, foreseeable or otherwise, including any indirect, consequential, special or exemplary damages arising from the use of the Web Site or any information contained therein. Users should be aware that they use the Web Site and its Content at their own risk.

8.2 Nothing in these terms and conditions excludes or restricts Path’s liability for death or personal injury resulting from any negligence or fraud on the part of Path.

8.3 Every effort has been made to ensure that these terms and conditions adhere strictly to the relevant provisions of the Unfair Contract Terms Act 1977. However, in the event that any of these terms are found to be unlawful, invalid or otherwise unenforceable, that term is to be deemed severed from these terms and conditions and shall not affect the validity and enforceability of the remaining terms and conditions. This term shall apply only within jurisdictions where a particular term is illegal.

9. No waiver

In the event that any party to these Terms and Conditions fails to exercise any right or remedy contained herein, this shall not be construed as a waiver of that right or remedy.

10. Previous terms and conditions

In the event of any conflict between these Terms and Conditions and any prior versions thereof, the provisions of these Terms and Conditions shall prevail unless it is expressly stated otherwise.

11. Notices

All notices/communications shall be given to us either by post to our premises at Watch Oak, Battle, TN33 0YD or email to hello@thepath.co.uk.

Such notice will be deemed received three days after posting if sent by first class post, the day of sending if the email is received in full on a business day and on the next business day if the email is sent on a weekend or public holiday.

12. Law and jurisdiction

These terms and conditions and the relationship between you and Path shall be governed by and construed in accordance with the Law of England and Wales and Path and you agree to submit to the exclusive jurisdiction of the Courts of England and Wales.

Privacy and cookies policy

Path sees the new General Data Protection Regulation, known as GDPR, as an opportunity for you to have more control over how your data is used. The changes will help to better protect your personal data and will allow you to access the information on file faster and more effectively.

We are strongly committed to protecting personal data and will ensure your information is confidential. This privacy statement describes why and how we collect and use personal data, and provides information about your individual rights. This applies to personal data provided to us, both by you or by others. We may use the personal data provided to us for any of the purposes described in this privacy statement, as contractually agreed, or as stated at the point of collection.

Personal data is any information relating to you. Path collects and processes personal data for two reasons, as part of a contractual relationship, or to keep you informed on events, reports, and announcements. When collecting and using your personal data, our policy is to be transparent about why and how we process that data.

Types of data we collect and process

We collect information in cases where there is a contractual relationship to deliver a programme of work, and we need to process personal data to comply with our obligations under the contract. Additionally, information is collected when we are asked to provide a proposal for work which may include email addresses.

We collect personal data which includes email addresses, job titles and other information in order to keep people informed of news about our events, resources and services, as well as to ensure our records are right, which will involve verifying every now and then that you are happy for us to continue to store your information.

For visits on our website, thepath.co.uk, we use a third-party service, Google Analytics, to collect standard internet log information and visitor patterns. You can view Google’s Privacy & Terms here. We do this to find out the number of visitors to the various parts of the site, for example, however, this information is processed in a way which does not identify anyone. Neither Path or Google collects any information related to the identity of those visiting our website.

Data storage

We ensure the security of all the personal data that we have on record through the use of secure systems hosted in the European Union.

We have a framework of policies, procedures, and training in place which addresses data protection, confidentiality, security and regular review of the measures we employ to keep data secure.

Our staff

It is essential to Path that our staff understands the importance of protecting personal data and apply the organisation’s Privacy Policy. We provide appropriate training which ensures that staff employ secure IT methods in the collection of data and that they comply with the Data Protection Act.

Data controller and contact information

Please contact the data controller for Path, if you have any questions about this privacy statement including how and why we process personal data:

FAO: Richard Ravelin, Data Protection Officer
Path, Watch Oak, Battle, TN33 0YD, UK

Email: hello@thepath.co.uk

Your rights

The introduction of GDPR ensures that it is the responsibility of Path as a data controller to enable you to have access and control over your personal data.

If you wish to see full details of the information we have on file, you can make an access request under the General Data Protection Regulations to hello@thepath.co.uk.

To update personal data we are holding or to withdraw consent, you may email us at hello@thepath.co.uk, and we will promptly amend any information found to be incorrect, or remove any personal information from our system.

Changes to this privacy policy

At Path, ensuring your personal data is kept secure is seen as an ongoing responsibility, therefore we will keep this privacy statement under regular review. This privacy statement was last updated on 10 July 2019.

Complaints

If you are unhappy about our use of your personal data, please send us an email with the details of your complaint to hello@thepath.co.uk, and we will respond promptly. You also have the right to lodge a complaint with the Information Commissioner’s Office. For further information on your rights and how to complain to the ICO, please visit the ICO website.

Cookies

This is the Cookie Policy for Path’s website, accessible from thepath.co.uk.

As is common practice with almost all professional websites this site uses cookies, which are tiny files that are downloaded to your computer, to improve your experience. This page describes what information they gather, how we use it and why we sometimes need to store these cookies. We will also share how you can prevent these cookies from being stored.

For more general information on cookies see the Wikipedia article on HTTP Cookies.

How we use Cookies

We use cookies for a variety of reasons detailed below. Unfortunately, in most cases, there are no industry standard options for disabling cookies without completely disabling the functionality and features they add to this site. It is recommended that you leave on all cookies if you are not sure whether you need them or not, in case they are used to provide a service that you use.

You can prevent the setting of cookies by adjusting the settings on your browser (see your browser Help for how to do this). Be aware that disabling cookies will affect the functionality of this and many other websites that you visit. Disabling cookies will usually result in also disabling certain functionality and features of this site. Therefore, it is recommended that you do not disable cookies.

Path and its advertising partner Open Partners also use cookies to analyse how visitors use our website and help us provide the best possible experience for users. Personal data may be used for personalization of ads and cookies may be used for personalized and non-personalized advertising.

The Cookies we set:

If you create an account with us then we will use cookies for the management of the signup process and general administration. These cookies will usually be deleted when you log out however in some cases they may remain afterward to remember your site preferences when logged out.

We use cookies when you are logged in so that we can remember this fact. This prevents you from having to log in every single time you visit a new page. These cookies are typically removed or cleared when you log out to ensure that you can only access restricted features and areas when logged in.

Email newsletters related cookies

This site offers newsletter or email subscription services and cookies may be used to remember if you are already registered and whether to show certain notifications which might only be valid to subscribed/unsubscribed users.

Surveys related cookies

From time to time we offer user surveys and questionnaires to provide you with interesting insights, helpful tools, or to understand our user base more accurately. These surveys may use cookies to remember who has already taken part in a survey or to provide you with accurate results after you change pages.

Forms related cookies

When you submit data to through a form such as those found on contact pages or comment forms cookies may be set to remember your user details for future correspondence.

Site preferences cookies

In order to provide you with a great experience on this site we provide the functionality to set your preferences for how this site runs when you use it. In order to remember your preferences we need to set cookies so that this information can be called whenever you interact with a page is affected by your preferences.

Third party Cookies

In some special cases we also use cookies provided by trusted third parties. The following section details which third party cookies you might encounter through this site.

This site uses Google Analytics which is one of the most widespread and trusted analytics solutions on the web for helping us to understand how you use the site and ways that we can improve your experience. These cookies may track things such as how long you spend on the site and the pages that you visit so we can continue to produce engaging content.

For more information on Google Analytics cookies, see the official Google Analytics page.

From time to time we test new features and make subtle changes to the way that the site is delivered. When we are still testing new features these cookies may be used to ensure that you receive a consistent experience whilst on the site whilst ensuring we understand which optimisations our users appreciate the most.

As we sell products it’s important for us to understand statistics about how many of the visitors to our site actually make a purchase and as such this is the kind of data that these cookies will track. This is important to you as it means that we can accurately make business predictions that allow us to monitor our advertising and product costs to ensure the best possible price.

Several partners advertise on our behalf and affiliate tracking cookies simply allow us to see if our customers have come to the site through one of our partner sites so that we can credit them appropriately and where applicable allow our affiliate partners to provide any bonus that they may provide you for making a purchase.

We also use social media buttons and/or plugins on this site that allow you to connect with your social network in various ways. For these to work the following social media sites including; Facebook, Twitter, Instagram and LinkedIn will set cookies through our site which may be used to enhance your profile on their site or contribute to the data they hold for various purposes outlined in their respective privacy policies.

More information

If there is something that you aren’t sure whether you need or not it’s usually safer to leave cookies enabled in case it does interact with one of the features you use on our site.

However, if you are still looking for more information you can email us at hello@thepath.co.uk.

Social media policy

Path uses social media as a means to inform, assist and engage.

Our posts will frequently include links to announcements, press releases, photos, videos, and retweets.

We do not use automation tools to generate posts.

Path follows a range of other users and groups – this does not imply any endorsement of any kind. Retweets, likes or other interactions and sharing of content are not endorsements.

Our social media channels (including Twitter, Facebook, LinkedIn, Instagram and YouTube) are for information purposes only. The information presented should not be considered as investment advice or a recommendation of any particular strategy or investment product.

We welcome your feedback and comments and endeavour to join the conversation where possible. If you have a specific query, please email us at hello@thepath.co.uk.

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RISK WARNING
As always with investments, your capital is at risk. The value of your investment can go down as well as up, and you may get back less than you invest. This information should not be regarded as financial advice.