Terms & conditions

These are the general terms and conditions of the First Rate website.

This website (“Website”) is operated and maintained by First Rate Exchange Services Limited, a company registered in England and Wales (company number 04287490) whose registered office is at Falcon House, 115-123 Staines Road, Hounslow, Middlesex TW3 3LL (“First Rate”). The use of this Website is subject to the following terms and conditions (“Terms and Conditions”):

1. Acceptance

Your use of this Website constitutes your acceptance of these Terms and Conditions.

2. Use of this Website

You agree to use this Website only for lawful purposes and in a manner which does not infringe the rights of First Rate, or restrict or inhibit the use of this Website by any third party.

3. Website Content and Materials

The information, content, materials and services contained in this Website (including these Terms and Conditions) are subject to change from time to time without notice and First Rate reserves the right to make these changes at any time without notice. Your continued use of this Website after these changes constitutes your acceptance of these Terms and Conditions as modified.

4. Additional Terms and Conditions

First Rate may have separate terms and conditions which apply to other services. They will apply in addition to these Terms and Conditions. In the event of any conflict between these Terms and Conditions and specific terms of use relating to specific services provided by (a) First Rate or (b) other third party websites (“External Sites”) owners, the latter shall prevail.

5. Links to other Websites

This Website may provide links (“Links”) to External Sites. You agree that:

1. the Links are provided only as pointer to information on services or products which you may find useful;
2. provision of the Links does not constitute any endorsement or approval on the part of First Rate with respect of External Sites;
3. First Rate does not have any control over External Sites and does not assume any responsibility whatsoever for the content materials, information or services offered on External Sites;
4. you are responsible for complying with the terms and conditions of use of External Sites and evaluating the suitability, accuracy or completeness regarding the opinion, advice or services available through such External Sites;
5. any claims arising out of the use of External Sites shall be made against the service provider of the relevant External Site.

6. No Warranty and Exclusion of Liability

All content and services on or available through this Website and the information regarding or relating to First Rate are provided on an “as is” basis and First Rate:

1. does not make any representation or give any warranty of any kind in respect of:
   1. the accuracy, suitability, reliability, completeness or timeliness of such content, services or information;
   2. statements made on this Website by any party other than First Rate.
2. a.does not warrant:
   1. that access to or any functions contained in this Website (including the Links) shall be continuous, uninterrupted, secure or error free;
   2. that this Website, the Links or its server are free of viruses or bugs;
   3. that any defects regarding this Website (including the Links) shall be corrected.

In no event shall First Rate be liable for any damages (including without limitation, indirect or consequential loss, loss of profit and whether in contract or in tort) whatsoever howsoever or whensoever arising from the use or in connection with such use or delay or inability of use of this Website, save that these Terms and Conditions shall not apply to any damages arising from death or personal injury caused by the negligence of First Rate.  If any provision of these Terms and Conditions shall be unlawful or unenforceable, then such provision shall fall away and shall not affect the validity and enforceability of the remaining terms.

7. Copyright of this Website

You agree that copyright in all materials contained in this Website are owned solely by First Rate. Any commercial use, copying, transmission, publication, alteration or modification, licensing of all or any item or materials displayed in this Website is strictly prohibited without prior written consent from First Rate and nothing in these Terms and Conditions shall be construed as conferring any right of any kind to you by First Rate to use any item or material displayed.

8. Termination of Access

First Rate also reserves that right to terminate access and use of any part of this Website for any reason at any time without notice.

9. Disclaimer

None of the information contained in this Website constitutes, nor should it be construed as financial advice.  First Rate shall have no liability whatsoever for any investment or other decisions made on the basis of the information provided.

10. Governing Law

These Terms and Conditions shall be governed and construed in accordance with English law and any disputes in relation to this Website shall be subject to the exclusive jurisdiction of the English courts.

v.09-02-2010