Terms and Conditions of Use of the Catalyst Investment Group Ltd Internet Website
The following information provides terms of use for our website.
This website is owned and maintained by Catalyst Investment Group Ltd ("us", "we" or "Catalyst"). 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.
Use of Website
1) 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 Catalyst to any registration requirement within such jurisdiction or country. Where any opinions are expressed on this website, they are provided by Catalyst for personal use and for information purposes only.
2) Unless otherwise stated on the product pages, the services and products on this website are intended for use by residents of the United Kingdom only, and are not aimed at or intended for use by residents of any other jurisdiction.
3) Where any information on this website constitutes a financial promotion it is issued and approved in accordance with s. 21 of the Financial Services and Markets Act 2000, for publication and distribution in the United Kingdom only. Before making any decision to invest in a specific product, investors should read the relevant Offer Document which contains all the terms and conditions of the particular Offer and consider any associated risks. If in any doubt as to the suitability of an investment, independent financial advice should always be sought.
4) This website is designed to be accessed through its principal home pages and such other pages as we may decide. 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. This will contain important details and relevant legal or regulatory information and should be read in conjunction with the relevant site pages.
5) You are permitted to download, print, store temporarily, retrieve and display information from the Website on a computer screen, print individual pages on paper (but not photocopy them) and store such pages in electronic form on disk (but not on any server or other storage device connected to a network) for your personal use. The permission to recopy by an individual does not allow for incorporation of material or any part of it in any work or publication in any form.
6) You are not permitted (except where you have been given express permission to do so) to adapt or modify the Information on this Website or any part of it and the Information or any part of it may not be copied, reproduced, republished, downloaded, posted, broadcast or transmitted in any other way to any third parties for commercial gain. If you wish to frame, link or deep-link this Website to any other website you are required to obtain our prior consent. Please email info@catalystinvestment.co.uk
Registration
7) All information received from you through your use of the Website will be used by Catalyst in accordance with our Privacy Policy.
8) On registration, you must provide Catalyst with accurate, complete registration information and it is your responsibility to update and maintain changes to that information on the applicable registration pages. This is particularly important if you elect to receive any services, and we are entitled to rely on any information you provide to us.
9) Each registration is for a single user only. Catalyst does not permit any other person sharing your Username or access through a single Username being made available to multiple users on a network. We may cancel or suspend your access to catalystinvestment.co.uk if you do this without further obligation to you.
10) Upon initial registration, the user must select their relevant and correct client classification, either private, IFA or Institutional. Incorrect use of this will result in access to material that may not be suitable and Catalyst cannot be held responsible for any incorrect selection and any consequences of such.
11) You are responsible for all use of your ID and for preventing unauthorised use of it. If you believe there has been any breach of security such as the disclosure, theft or unauthorised use of your ID or any payment information, you must notify the Catalyst immediately by e-mailing us at info@catalystinvestment.co.uk or on +44 (0) 20 7367 1234. We recommend that you do not select an obvious user password (such as your name) and that you change it regularly.
12) If you provide Catalyst with an email address that will result in any messages we may send you being sent to you via a network or device operated or owned by a third party (e.g. your employer or college) then you warrant that you are entitled to receive those messages. You also agree that Catalyst may refrain from sending messages to you without notifying you, even if you have subscribed to receive them, if we receive a request from a third party to stop sending messages to you.
13) If you register with catalystinvestment.co.uk we recommend that you do not use ‘remember-me’ features on any computer that is or may be used by anyone other than you in order to prevent unauthorised access from third parties.
Exclusion of Liability
14) These 'Exclusion of Liability' provisions should be read carefully as they exclude or limit our legal liability in connection with your use of this website. Nothing in these terms and conditions and in particular within the 'Exclusion of Liability' clauses shall attempt to exclude liability that it is not permissible to exclude under applicable law, including without limitation, for death or personal injury, or for fraudulent misrepresentation.
15) Nothing in these terms and conditions shall exclude or limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000, or any conduct of business rules which we are bound to comply with.
16) Catalyst does not warrant that the Website will be uninterrupted or error free or that any defects will be corrected. While 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) including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy, 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 website, are appropriate or available for use either in the United Kingdom or in other jurisdictions. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.
17) We accept no liability (including without limitation) in either contract, tort, negligence, statutory duty or otherwise (to the maximum extent permitted by applicable law) arising out of the use of or access to this website for 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 economic losses (including without limitation loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings); loss of goodwill or reputation; or special, incidental, consequential loss or damage, suffered or incurred arising out of or in connection with your use of this website and these terms and conditions.
18) Access to and use of this website is at the user's own risk and 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. Also, 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.
19) 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, directly or indirectly, for (i) the privacy practices of such websites, (ii) the content of such websites, including (without limitation) any advertising, content, products, goods or other materials or services on or available from such websites or resources or (iii) the use that others make of these websites or resources, nor for any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of or reliance on any such advertising, content, products, goods or other materials or services available on such external websites or resources.
20) The above limitation or exclusion may not apply to you to the extent that applicable law may not allow the limitation or exclusion of liability for incidental or consequential damages. The Company will not be responsible for any breach of these terms caused by circumstances beyond its reasonable control.
Personal Data
21) By agreeing to be bound by these terms and conditions, you are agreeing to be bound by our Privacy Policy as detailed below:
Privacy Policy
22) We are committed to protecting your privacy during your visits to the Catalyst website and recognise our responsibility to keep the information you provide to us confidential at all times, unless required to disclose by law.
23) We protect your personal information on the Internet to an equivalent high standard to that you experience through any other channels through which we may interact with you, such as our offices or on the telephone.
Security
24) Whenever we require personal from any medium information security procedures are followed in the storage and disclosure of this personal information.
Your Information On-line
Cookies
25) A 'cookie' is information that a website stores on your computer so that it can remember something about you at a later time. Cookies are commonly used on the Internet and should not harm your system.
Copyright
26) © 2007 Catalyst Investment Group Ltd. Except as is otherwise indicated, the Company is the owner of the copyright in all the Information featured on this Website and of all related intellectual property rights, including but not limited to all database rights, trade marks, registered trade marks, service marks and logos. All rights, save as expressly granted, are reserved. Reproduction in any form of any part of the contents of this website without our prior written consent is prohibited unless for personal use only or as in accordance with these terms and conditions.
Trade Marks
27) This website contains trade marks belonging to Catalyst.
Advice
28) The contents of this website do not purport to provide any financial, investment or professional advice and nothing on the pages of this website shall be deemed to constitute financial, investment or other professional advice in any way. In particular, you may wish to obtain advice from a qualified expert before making any investment decision.
Changes to this Website
29) The contents of this website, including these terms and conditions of use, are subject to change by us without notification. Additionally Catalyst shall not be obliged to remove any outdated information from the website or to expressly mark it as being outdated.
Telephone Calls
30) Calls may be recorded.
Internet Communications
31) In order to improve the services that we offer and to maintain the security of its systems, protect its staff and detect fraud and other crimes, Catalyst reserves the right to monitor all internet communications, including web and email traffic, into and out of its domain. Monitoring includes (without limitation) checks for viruses and other malignant code, criminal activity, and use or content that is unauthorised or unlawful or material that may cause offence in any way.
Regulatory Information
32) Catalyst Investment Group Ltd. Registered in England and Wales (Registered number 4031316), Registered Office: 125 Old Broad Street, London, EC2N 1AR. Authorised and regulated by the Financial Services Authority. The FSA's Register can be accessed at www.fsa.gov.uk/register. Catalyst's FSA registration number is 197230.
33) Persons dealing with any member of Catalyst outside the United Kingdom are generally not covered by the rules and regulations applicable for the protection of investors in the United Kingdom.
34) Catalyst is a member of the Financial Services Compensation Scheme ("FSCS"). The Scheme can pay compensation to customers if a regulated firm is unable to pay claims against it, usually if the firm stops trading or is insolvent. Compensation limits apply depending on the type of claim: In particular for Investments - maximum £50,000 per person (100% of the first £50,000).
35) Please note that the Compensation Scheme only applies to UK invested products and offers such as the ARM bond, which is issued in Luxembourg would not qualify.
36) If you are not satisfied with any Catalyst product or service we have a complaint handling procedure that you can use to resolve such matters. Catalyst is a member of The Financial Ombudsman Service. If you are still not satisfied after following the Catalyst procedures, you can ask the Ombudsman to review the complaint. You can find out more about The Financial Ombudsman Service in a leaflet available from any branch or by telephoning Catalyst. Alternatively you can write to: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR or telephone 020 7964 1000.
General Information
Enforceability
37) 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. Catalyst’s failure to act with respect to a breach by you or others does not waive Catalyst's right to act with respect to subsequent or similar breaches. The failure of Catalyst to exercise or enforce any right or provision of these terms and conditions shall not constitute a waiver of such right or provision.
Severability
38) If these terms or any part of them should be determined to be illegal, invalid or otherwise unenforceable under the laws of any state or country in which these terms are intended to be effective, then to the extent that they are so illegal, invalid or unenforceable, they shall in that state or country be treated as severed and deleted from these terms and the remaining terms shall survive and remain in full force and effect and continue to be binding and enforceable in that state or country.
Governing Law
39) The terms and conditions of use of this website are governed by the laws of England & Wales and any dispute regarding this website shall be subject to the exclusive jurisdiction of the courts of England and Wales.
The following information provides terms of use for our website.
This website is owned and maintained by Catalyst Investment Group Ltd ("us", "we" or "Catalyst"). 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.
Use of Website
1) 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 Catalyst to any registration requirement within such jurisdiction or country. Where any opinions are expressed on this website, they are provided by Catalyst for personal use and for information purposes only.
2) Unless otherwise stated on the product pages, the services and products on this website are intended for use by residents of the United Kingdom only, and are not aimed at or intended for use by residents of any other jurisdiction.
3) Where any information on this website constitutes a financial promotion it is issued and approved in accordance with s. 21 of the Financial Services and Markets Act 2000, for publication and distribution in the United Kingdom only. Before making any decision to invest in a specific product, investors should read the relevant Offer Document which contains all the terms and conditions of the particular Offer and consider any associated risks. If in any doubt as to the suitability of an investment, independent financial advice should always be sought.
4) This website is designed to be accessed through its principal home pages and such other pages as we may decide. 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. This will contain important details and relevant legal or regulatory information and should be read in conjunction with the relevant site pages.
5) You are permitted to download, print, store temporarily, retrieve and display information from the Website on a computer screen, print individual pages on paper (but not photocopy them) and store such pages in electronic form on disk (but not on any server or other storage device connected to a network) for your personal use. The permission to recopy by an individual does not allow for incorporation of material or any part of it in any work or publication in any form.
6) You are not permitted (except where you have been given express permission to do so) to adapt or modify the Information on this Website or any part of it and the Information or any part of it may not be copied, reproduced, republished, downloaded, posted, broadcast or transmitted in any other way to any third parties for commercial gain. If you wish to frame, link or deep-link this Website to any other website you are required to obtain our prior consent. Please email info@catalystinvestment.co.uk
Registration
7) All information received from you through your use of the Website will be used by Catalyst in accordance with our Privacy Policy.
8) On registration, you must provide Catalyst with accurate, complete registration information and it is your responsibility to update and maintain changes to that information on the applicable registration pages. This is particularly important if you elect to receive any services, and we are entitled to rely on any information you provide to us.
9) Each registration is for a single user only. Catalyst does not permit any other person sharing your Username or access through a single Username being made available to multiple users on a network. We may cancel or suspend your access to catalystinvestment.co.uk if you do this without further obligation to you.
10) Upon initial registration, the user must select their relevant and correct client classification, either private, IFA or Institutional. Incorrect use of this will result in access to material that may not be suitable and Catalyst cannot be held responsible for any incorrect selection and any consequences of such.
11) You are responsible for all use of your ID and for preventing unauthorised use of it. If you believe there has been any breach of security such as the disclosure, theft or unauthorised use of your ID or any payment information, you must notify the Catalyst immediately by e-mailing us at info@catalystinvestment.co.uk or on +44 (0) 20 7367 1234. We recommend that you do not select an obvious user password (such as your name) and that you change it regularly.
12) If you provide Catalyst with an email address that will result in any messages we may send you being sent to you via a network or device operated or owned by a third party (e.g. your employer or college) then you warrant that you are entitled to receive those messages. You also agree that Catalyst may refrain from sending messages to you without notifying you, even if you have subscribed to receive them, if we receive a request from a third party to stop sending messages to you.
13) If you register with catalystinvestment.co.uk we recommend that you do not use ‘remember-me’ features on any computer that is or may be used by anyone other than you in order to prevent unauthorised access from third parties.
Exclusion of Liability
14) These 'Exclusion of Liability' provisions should be read carefully as they exclude or limit our legal liability in connection with your use of this website. Nothing in these terms and conditions and in particular within the 'Exclusion of Liability' clauses shall attempt to exclude liability that it is not permissible to exclude under applicable law, including without limitation, for death or personal injury, or for fraudulent misrepresentation.
15) Nothing in these terms and conditions shall exclude or limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000, or any conduct of business rules which we are bound to comply with.
16) Catalyst does not warrant that the Website will be uninterrupted or error free or that any defects will be corrected. While 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) including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy, 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 website, are appropriate or available for use either in the United Kingdom or in other jurisdictions. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.
17) We accept no liability (including without limitation) in either contract, tort, negligence, statutory duty or otherwise (to the maximum extent permitted by applicable law) arising out of the use of or access to this website for 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 economic losses (including without limitation loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings); loss of goodwill or reputation; or special, incidental, consequential loss or damage, suffered or incurred arising out of or in connection with your use of this website and these terms and conditions.
18) Access to and use of this website is at the user's own risk and 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. Also, 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.
19) 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, directly or indirectly, for (i) the privacy practices of such websites, (ii) the content of such websites, including (without limitation) any advertising, content, products, goods or other materials or services on or available from such websites or resources or (iii) the use that others make of these websites or resources, nor for any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of or reliance on any such advertising, content, products, goods or other materials or services available on such external websites or resources.
20) The above limitation or exclusion may not apply to you to the extent that applicable law may not allow the limitation or exclusion of liability for incidental or consequential damages. The Company will not be responsible for any breach of these terms caused by circumstances beyond its reasonable control.
Personal Data
21) By agreeing to be bound by these terms and conditions, you are agreeing to be bound by our Privacy Policy as detailed below:
Privacy Policy
22) We are committed to protecting your privacy during your visits to the Catalyst website and recognise our responsibility to keep the information you provide to us confidential at all times, unless required to disclose by law.
23) We protect your personal information on the Internet to an equivalent high standard to that you experience through any other channels through which we may interact with you, such as our offices or on the telephone.
Security
24) Whenever we require personal from any medium information security procedures are followed in the storage and disclosure of this personal information.
Your Information On-line
Cookies
25) A 'cookie' is information that a website stores on your computer so that it can remember something about you at a later time. Cookies are commonly used on the Internet and should not harm your system.
Copyright
26) © 2007 Catalyst Investment Group Ltd. Except as is otherwise indicated, the Company is the owner of the copyright in all the Information featured on this Website and of all related intellectual property rights, including but not limited to all database rights, trade marks, registered trade marks, service marks and logos. All rights, save as expressly granted, are reserved. Reproduction in any form of any part of the contents of this website without our prior written consent is prohibited unless for personal use only or as in accordance with these terms and conditions.
Trade Marks
27) This website contains trade marks belonging to Catalyst.
Advice
28) The contents of this website do not purport to provide any financial, investment or professional advice and nothing on the pages of this website shall be deemed to constitute financial, investment or other professional advice in any way. In particular, you may wish to obtain advice from a qualified expert before making any investment decision.
Changes to this Website
29) The contents of this website, including these terms and conditions of use, are subject to change by us without notification. Additionally Catalyst shall not be obliged to remove any outdated information from the website or to expressly mark it as being outdated.
Telephone Calls
30) Calls may be recorded.
Internet Communications
31) In order to improve the services that we offer and to maintain the security of its systems, protect its staff and detect fraud and other crimes, Catalyst reserves the right to monitor all internet communications, including web and email traffic, into and out of its domain. Monitoring includes (without limitation) checks for viruses and other malignant code, criminal activity, and use or content that is unauthorised or unlawful or material that may cause offence in any way.
Regulatory Information
32) Catalyst Investment Group Ltd. Registered in England and Wales (Registered number 4031316), Registered Office: 125 Old Broad Street, London, EC2N 1AR. Authorised and regulated by the Financial Services Authority. The FSA's Register can be accessed at www.fsa.gov.uk/register. Catalyst's FSA registration number is 197230.
33) Persons dealing with any member of Catalyst outside the United Kingdom are generally not covered by the rules and regulations applicable for the protection of investors in the United Kingdom.
34) Catalyst is a member of the Financial Services Compensation Scheme ("FSCS"). The Scheme can pay compensation to customers if a regulated firm is unable to pay claims against it, usually if the firm stops trading or is insolvent. Compensation limits apply depending on the type of claim: In particular for Investments - maximum £50,000 per person (100% of the first £50,000).
35) Please note that the Compensation Scheme only applies to UK invested products and offers such as the ARM bond, which is issued in Luxembourg would not qualify.
36) If you are not satisfied with any Catalyst product or service we have a complaint handling procedure that you can use to resolve such matters. Catalyst is a member of The Financial Ombudsman Service. If you are still not satisfied after following the Catalyst procedures, you can ask the Ombudsman to review the complaint. You can find out more about The Financial Ombudsman Service in a leaflet available from any branch or by telephoning Catalyst. Alternatively you can write to: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR or telephone 020 7964 1000.
General Information
Enforceability
37) 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. Catalyst’s failure to act with respect to a breach by you or others does not waive Catalyst's right to act with respect to subsequent or similar breaches. The failure of Catalyst to exercise or enforce any right or provision of these terms and conditions shall not constitute a waiver of such right or provision.
Severability
38) If these terms or any part of them should be determined to be illegal, invalid or otherwise unenforceable under the laws of any state or country in which these terms are intended to be effective, then to the extent that they are so illegal, invalid or unenforceable, they shall in that state or country be treated as severed and deleted from these terms and the remaining terms shall survive and remain in full force and effect and continue to be binding and enforceable in that state or country.
Governing Law
39) The terms and conditions of use of this website are governed by the laws of England & Wales and any dispute regarding this website shall be subject to the exclusive jurisdiction of the courts of England and Wales.
