Terms & Conditions

Terms of Use

This website is owned and maintained by Initiative Financial Services UK Limited, (UK Company Number 11568586 ) registered in the United Kingdom, (“us”, “we” or “Initiative Financial Services UK Limited”). The use of this website is subject to the following terms and conditions that you should read carefully. By using this website you agree to be legally bound by these terms and conditions. If you do not accept these terms and conditions, please do not use this website.

The contents of this website are communicated by, and the property of, Initiative Financial Services UK Ltd. Initiative Financial Services UK Ltd is an appointed representative of Thornbridge Investment Management LLP which is authorised and regulated by the Financial Conduct Authority (“FCA”).

Section 1: Use of this Website

The information contained herein is current at the date of publication, but is subject to change without notice. Initiative Financial Services UK Ltd has expressed its own views and opinions on this website, and these may change without notice. This website is not directed at you if Initiative Financial Services UK Ltd is prohibited by any law of any jurisdiction from making the information on this site available to you and is not intended for any use that would be contrary to local law or regulation. None of the information contained on this website is intended to constitute any offer to sell or an invitation or solicitation of an offer to buy any product or service by Initiative Financial Services UK Ltd and must not be relied upon in connection with any investment decision. Products or services mentioned on this site are subject to legal and regulatory requirements in applicable jurisdictions and may not be available in all jurisdictions. Accordingly persons are required to inform themselves of and observe any such restrictions. Nothing in this website should be construed as investment, tax, legal or other advice.

The information provided on this website or in any communication containing a link to this site is for personal use and information purposes only and is not intended for distribution to, or use by, any person or entity in any jurisdiction in any country where such distribution or use would be contrary to law or regulation or which would subject any member of Initiative Financial Services UK Limited,to any registration requirement within such jurisdiction or country. Where any opinions are expressed on this website, they are provided by Initiative Financial Services UK Limited, for personal use and for information purposes only.

Any information on this website which constitutes a financial promotion, is issued and approved by us for distribution and use in the Republic of Ireland and UK only.

This website is designed to be accessed through its principal home pages and such other pages as we may determine. If you access the site through individual pages directly, which are not designed for this purpose, you may not see important information that is relevant to information on this website. You will be referred on certain site pages to read “Terms & Conditions”. This will contain important details and/or relevant legal or regulatory information and should be read in conjunction with the relevant site pages.

Past performance is not necessarily a guide to future performance. The value of investments and the income of any financial instruments mentioned in the website may fall as well as rise, and investors may get back less than the amount originally invested. Fluctuations in exchange rates may have a positive or an adverse effect on the value of foreign-currency denominated securities and financial instruments. Certain investments involve an above-average degree of risk and should be seen as long-term in nature. The investment products and services described in the website may have tax consequences. Any tax reliefs referred to are those currently available and their value depends on the circumstances of the individual investor. You acknowledge that levels and bases of taxation may change, and that Initiative Financial Services UK Ltd does not provides tax advice. You should consult your own tax advisor in order to understand the tax consequences of the products and services described in the website.

The copyright and all other rights in all of the material on this website are owned by Initiative Financial Services UK Ltd or the material is included with the permission of the rights owner. The information contained in this website is intended solely for the use of the person who has accessed this information and may not be reproduced, distributed or published to any other person. You may copy material on this website for your own private or domestic use only. All other copying is prohibited.

On this website you may be offered automatic links to other non-Initiative Financial Services UK Ltd websites. These links are provided only as convenience. Initiative Financial Services UK Ltd does not accept any responsibility for the content of those websites or your use or inability to use such websites, the owners of which do not necessarily have any link, commercial or otherwise, with Initiative Financial Services UK Ltd. The inclusion of any link does not imply affiliation, sponsorship, endorsement, verification or monitoring or approval by Initiative Financial Services UK Ltd of any information contained in any non-Initiative Financial Services UK Ltd website. You should also be aware that the terms and conditions of such website and the website’s statement relating to the collection and use of your personal information may be different from those applicable to your use of this website.

It is the responsibility of the individual user to consider his or her legal and regulatory position in the relevant jurisdiction, the risks associated with trading such products and to ensure that the use of the content and the subsequent making of any investment does not contravene any such restrictions or applicable laws and regulations of any jurisdiction. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific security, index, report, opinion, advice or other content. This does not exclude or restrict any duty or liability that Initiative Financial Services UK Ltd has to its clients under the Financial Services and Markets Act 2000 (as amended from time to time) or any other regulatory system under the laws of applicable jurisdictions.

Initiative Financial Services UK Ltd, its subsidiaries, associated entities, directors, employees, representatives or suppliers will not be liable, on any grounds whatsoever, contractually or not, for any direct or indirect damage that may arise as the result of it being possible or impossible to gain access to this site, the accessing, visiting or use of this site and/or the information provided, the sending, or receiving of information via this site and/or the operation or non-operation of this site, except in the event of intentional or serious blame on its part. The information contained on this site, including any third party data is published in good faith and Initiative Financial Services UK Ltd believes that the information is accurate at the time of publication but no representation or warranty, express or implied, is made by Initiative Financial Services UK Ltd as to its accuracy or completeness and it should not be relied on as such.

Initiative Financial Services UK Ltd shall therefore have no liability, save for any liability that Initiative Financial Services UK Ltd may have under the UK Financial Services and Markets Act 2000, for any loss or damage arising out of the use or reliance on the information provided including without limitation, any loss of profit or any other damage, direct or consequential. Nor will Initiative Financial Services UK Ltd, its subsidiaries, associated entities, directors, employees, representatives or suppliers be, under any circumstances, liable for any corruption of data that may occur as the result of technical problems (e.g. transmission errors, technical failures, breakdowns, intervention of third parties, etc.) and/or for any damage or loss relating to software or hardware that is the result of any virus, defect or malfunction in relation to access or use of the site.

By viewing this site you certify that you are not a US person. Initiative Financial Services UK Ltd is not registered as an investment advisor with the SEC and therefore this website is neither directed at nor intended for US investors.

Section 2: Data Protection, Privacy & Cookies

If you are aged 18 or under, please get your parent/guardian’s permission before you provide any personal information to us. Users without this consent are not allowed to provide us with personal information.

We only collect and use individual user details where we have legitimate business reasons, and where we are legally entitled to do so. Information in relation to personal data collected by Irish entities is available on www.dataprotection.ie and to UK entities on http://www.ico.org.uk.

Our website uses cookies. You consent to our use of cookies in accordance with the terms of this policy. Cookies consist of small files, often including unique identifiers, that are sent by web servers to web browsers, and which may then be sent back to the server each time the browser requests a page from the server. Cookies can be used by web servers to identity and track users as they navigate different pages on a website and to identify users returning to a website. Cookies may be either “persistent” cookies or “session” cookies. A persistent cookie consists of a text file sent by a web server to a web browser, which will be stored by the browser and will remain valid until its set expiry date (unless deleted by the user before the expiry date). A session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed. We use both session cookies and persistent cookies on this website. We may collect and process the information you provide to us or which is gathered via our website or other interactions you have with us, inclusive of cookies. We collate information on all the Website traffic that is represented in aggregate format through cookies. We use third parties such as Google Analytics to collect user information, including through the use of cookies and web beacons. These cookies also enable us to present customised or tailored website views to users. Cookies do not contain any information that personally identifies you, but personal information that we store about you may be linked, by us, to the information stored in and obtained from cookies.

We may use the information we obtain from your use of our cookies for the following purposes:

  • to recognise your computer when you visit our website;
  • to track you as you navigate our website, and to enable the use of the some of the features on our website;
  • to improve the website’s usability;
  • to analyse the use of our website;
  • in the administration of this website;
  • to personalise content on our website for you.

Third Party Cookies. Third-party cookies, which are found in other companies’ internet tools, may be present on our website where such tools are used by us to enhance our Website. You may see ‘social buttons’ on the Website which link to third-party websites such as Twitter and Facebook.  These websites have their own cookies, which are controlled by them. We are not responsible for other websites’ use of cookies. Google Analytics generates statistical and other information about website use by means of cookies, which are stored on users’ computers. The information generated relating to our website is used to create reports about the use of the website. Google will store this information. Google’s privacy policy is available at: http://www.google.com/privacypolicy.html.

Most browsers allow you to refuse to accept cookies.

For example: in Internet Explorer you can refuse all cookies by clicking “Tools”, “Internet Options”, “Privacy”, and selecting “Block all cookies” using the sliding selector; in Firefox you can block all cookies by clicking “Tools”, “Options”, and un-checking “Accept cookies from sites” in the “Privacy” box.

Blocking all cookies will, however, have a negative impact upon the usability of many websites. If you block cookies, you will not be able to use many of the features of this website.

You can also delete cookies already stored on your computer. The method of doing so will depend upon your web browser.

By using the Website you are agreeing to the use of cookies as described in this Policy. Further information on how to manage and remove cookies is available at www.cookiecentral.com

Information gathered on you shall be used in order to deliver our services. Information shall be stored and used in strict compliance with Data Protection Laws within the United Kingdom. For further information on this, please visit www.ico.org.uk/

The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area (EEA). It may also be processed by staff operating outside the EEA who work for us or for one of our suppliers. By submitting your personal data, you consent to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Policy.

All information you provide to us is stored on our secure servers. Where we have given you (or where you have chosen) a password which enables you to access certain parts of the Website, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.

Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to the Website; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

If you wish to obtain copies of your personal information, as stored by Us please contact us through our website. Please include any personal identifiers you have previously supplied us with to facilitate your request (e.g. Name; address; phone number; e-mail address). Your request will be processed free of charge and should be dealt with as soon as possible, taking no more than 60 days to process.

If you discover that the we hold inaccurate information about you, please contact us via our website. We shall update your information with proposed corrections once authenticated.

If you wish to raise a complaint, please contact us through the site in the first instance.

Section 3: Liability

Nothing in these terms and conditions shall exclude or limit or restrict our duties and liabilities to you under any legislation, or any conduct of business rules which we are bound to comply with.

Although we have taken all reasonable steps to ensure the accuracy and completeness of the content of the website, we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that the website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of the website or any part of the content or materials, are appropriate or available for use either in the Republic of Ireland or in other jurisdictions. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.

We accept no liability however caused (to the maximum extent permitted by applicable law) arising out of the use of or access to this website (which includes without limitation) any errors or omissions contained in this website or if the website is unavailable and we shall not be liable for any direct or indirect losses arising from such issues.

Access to and use of this website is at your own risk.  We do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, trojans and worms. We accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.

Section 4: General Terms

To provide increased value to users of this website, we may provide links to other websites or resources for you to access at your sole discretion. You acknowledge and agree that, as you have chosen to enter the linked website we are not responsible for the availability of such external sites or resources, and that we do not review or endorse and shall not be responsible or liable for the security, content or practises of said websites.

The contents of this website do not constitute financial, investment or professional advice. In assessing potential products, consumers should obtain independent advice from qualified financial advisers

The contents of this website, including these terms and conditions of use, are subject to change by us without notification.

We reserved the rights to monitor all internet communications, including web and email traffic, into and out of its domain. Monitoring may include checks for malignant code, criminal activity, and use of content that is unauthorised or unlawful or material that may cause offence in any way.

The information, and any opinion contained in this website does not constitute a public offer under any applicable legislation or an offer to sell or solicitation or an offer to buy any securities or financial instruments or any advice or recommendation with respect to such securities or other financial instruments.

This website contains certain ‘forward looking statements’ as that term is defined in the United States Private Securities Litigation Reform Act of 1995. Forward-looking statements may prove inaccurate due to factors such as economic conditions; competitive price changes of third-party institutions; regulatory or monetary changes implemented by the Central Bank of Ireland, UK Regulators or European Central Bank or other supervisory or state bodies; natural disasters; the adequacy of loss reserves; technology changes; changes in taxation; other unforeseen changes. Such forward-looking statements speak of the date of initial publication exclusively.

The information contained in this website is subject to, and must be read in conjunction with, all other publicly available information, including, where relevant any fuller disclosure document published by Us.

Information in this website relating to the performance of past investments should not be taken as a guarantee with regard to future earnings or performance.

In the event that any provision of these terms and conditions of use of this website is held unenforceable, it will not affect the validity and enforceability of the remaining provisions.

The terms and conditions of use of this website are governed by the laws of the United Kingdom and any dispute regarding this website shall be subject to the non-exclusive jurisdiction of the courts of the United Kingdom.


Initiative Financial Services UK Ltd is an appointed representative of Thornbridge Investment Management LLP which is authorised and regulated by the Financial Conduct Authority.


Initiative Financial Services UK Ltd (UK Company Number 11568586 ) is a subsidiary of Initiative Financial Services Limited, t/a Initiative Ireland is a private limited company registration number 563769.
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