Terms & Conditions

Please find some details about our site, including terms and conditions of use and our privacy policy below. This website is operated and maintained by Murphy Wealth Ltd., registered address is 24 St Vincent Place Glasgow G1 2EU, United Kingdom, registered in Scotland with Company No. 445032 (hereinafter referred to as “Murphy Wealth”).

Acceptance of Terms
Your access to and use of this Website under the domain www.murphywealth.co.uk (“the Website”) is subject exclusively to these Terms and Conditions. You will not use the Website for any purpose that is unlawful or prohibited by these Terms and Conditions. By using the Website, you are fully accepting the terms, conditions and disclaimers contained in this notice. If you do not accept these Terms and Conditions you must immediately stop using the Website. You agree that Murphy Wealth shall at all times have the discretion to decide whether or not to grant you access to the Website.

Advice
The contents of the Website do not constitute advice and should not be relied upon in making or refraining from making, any decision. This Website is for general guidance only, and Murphy Wealth shall not be held liable for any action taken (or any failure to act) in reliance upon the contents of the Website.

Variation
Murphy Wealth reserves the right to:
Change, alter, modify, add to or remove (temporarily or permanently) the Website or any part of it without notice and you confirm that Murphy Wealth shall not be liable to you for any such change or removal. Your continued use of the Website following any change shall be deemed to be your acceptance of such change.

Links to Third Party Websites
The Website may include links to third party websites that are controlled, operated and maintained by others. Links to third party websites are provided for your convenience only. Any link to other websites is not an endorsement, support or recommendation of the views expressed of such websites and you acknowledge and agree that Murphy Wealth are not responsible for the content or availability of any such sites. If you decide to access any of the third party websites linked to the Website, you do so entirely at your own risk.

Copyright
All copyright, trademarks and all other intellectual property rights in the Website and its content (including without limitation the Website design, material, text, graphics photographs, video, sound material and all software and source codes connected with the Website) are owned by or licensed to Murphy Wealth or otherwise used by Murphy Wealth as permitted by law. Subject to the licence below, all these intellectual property rights are reserved.

Licence to use Website
You may view, download for caching purposes only, and print pages from the Website for your own personal use, subject to the restrictions below. You must not:

  • Re-publish material from this Website (including republication on another website);
  • Sell, rent or otherwise sub-license material from the Website;
  • Show any material from the Website in public;
  • Reproduce, duplicate, copy or otherwise exploit material on our Website for a commercial purpose;
  • Edit, alter, delete or otherwise modify any material on the Website; or
  • Redistribute material from this Website except for content specifically and expressly made available for redistribution (such as our newsletter).
  • Introduce any computer viruses, macro viruses, Trojan horses, worms or anything else designed to interfere with, interrupt or disrupt the normal operating procedures of a computer.
  • Cause the Website to be damaged, interrupted, less efficient or impair the functionality of the Website.
  • Remove any copyright notices, product identification or other notices from any materials you may have made or printed from the Website for your own personal use.
  • Disclaimers & Limitation of Liability.

Murphy Wealth endeavour to ensure that the information on this Website is correct, but Murphy Wealth does not warrant its completeness or accuracy; nor does Murphy Wealth commit to ensuring that the Website remains available or that the material on the Website is kept up-to-date.

The Website is provided on an “AS IS” and “AS AVAILABLE” basis without any representation or endorsement made and without warranty of any kind whether express or implied, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security, completeness and accuracy.

To the extent permitted by law, Murphy Wealth shall not be liable for any indirect or consequential loss or damage whatever (including without limitation loss of business, revenue, contracts, customers, employees, goodwill, anticipated savings, opportunity, data, profits) arising out of or in connection with your access to and/or use of the Website.

Murphy Wealth makes no warranty that the functionality of the Website will be uninterrupted or error free, that defects will be corrected or that the Website or the server that makes it available are free of viruses, malicious computer code or anything else which may be harmful or destructive.

Nothing in these Terms and Conditions shall be construed so as to exclude or limit the liability of Murphy Wealth for fraudulent misrepresentation, death or personal injury as a result of the negligence of Murphy Wealth or that of its employees or agents or for any other liability which cannot be excluded or limited under applicable law.

Subject to this, our liability to you in relation to the use of Murphy Wealth’s Website or under or in connection with this disclaimer:

  • To the extent that the Website and the information and services on the Website are provided free-of-charge, Murphy Wealth will not be liable for any loss or damage of any nature;
  • Murphy Wealth will not be liable for any consequential, indirect or special loss or damage;
  • Murphy Wealth will not be liable for any loss of profit, business, customers, employees, opportunity, income, revenue, anticipated savings, contracts, business, goodwill, reputation, data, or information.

Indemnity
By using the Website and/or the Website information you agree and undertake to indemnify and hold Murphy Wealth and its employees and agents harmless from and against all liabilities, legal fees, damages, losses, costs and other expenses in relation to any claims or actions brought against Murphy Wealth arising out of any breach by you of these Terms and Conditions or arising out of your use of this Website and/or the Website information.

Severance
If any of these Terms and Conditions should be determined to be invalid, illegal or unenforceable for any reason by any court of competent jurisdiction then such Term or Condition shall be severed and the remaining Terms and Conditions shall survive and remain in full force and effect and continue to be binding and enforceable.

Law & Jurisdiction
These Terms and Conditions shall be governed by and construed in accordance with the law of Scotland and you hereby submit to the exclusive jurisdiction of the Scottish courts.

You are responsible for compliance with any applicable laws of the country from which you are accessing the Website.

Entire Agreement
This disclaimer, together with our privacy policy, constitutes the entire agreement between you and us in relation to your use of Murphy Wealth’s Website, and supersedes all previous agreements in respect of your use of this Website.

Our Details
The full name of our organisation is Murphy Wealth Ltd.

Our registered address is:
24 St Vincent Place
Glasgow G1 2EU
United Kingdom

Registered in Scotland with Company No. 445032

Privacy Policy
If you give Murphy Wealth personal information in order to receive information from us, Murphy Wealth collects and stores that information. That information enables Murphy Wealth to fulfil your information request. If you review or download information, Murphy Wealth tracks the visit. That information is helpful, amongst other things, to provide you with tailored information and to give Murphy Wealth information about your use of “the Website”. Information submitted via “the Website” will not be passed on to any other organisation. The internet is inherently insecure and as a result personal information submitted by means of the internet may be vulnerable to unauthorised access by third parties. Submission of any personal information using the internet is at your own risk.

Security & Privacy
Murphy Wealth’s Website uses security measures to protect against the loss, misuse, and alteration of any information under our control. Murphy Wealth stores the information in a database in a secure environment at our data/hosting centre.

Murphy Wealth will not share, sell, or rent individual personal information without explicit permission or unless ordered by a court of law. Information submitted to Murphy Wealth is only available to employees managing this information for the purposes of contacting you or sending you publications or emails based on your requests for information.

Information Tracked
At times Murphy Wealth will use your IP address to help diagnose problems with our server and to administer our Website. Murphy Wealth also may track browser types to help Murphy Wealth understand our visitors’ needs related to Murphy Wealth’s Website design.

Cookies
Client-side cookies are used for Google analytics and tracking analysis. Usage of a cookie is in no way linked to any personally identifiable information while on Murphy Wealth’s Website. If a user rejects the cookie, they may still use Murphy Wealth’s Website. Cookies can be erased from your computer hard drive or can be blocked by configuring your internet browser software. Please refer to your internet browser instructions or the help screen for further information regarding these functions.

Headings
Headings used within these terms and conditions will not affect the interpretation of these terms and conditions.

Contact
If you have any questions regarding these terms and conditions please contact team@murphywealth.co.uk