Terms of use

This page tells you the terms of use on which you may make use of our websites

This page (together with the documents referred to on it) tells you the terms of use on which you may make use of our websites, including riskfirst.com, pfaroe.com and any sub-domains (our site). Please read these terms of use carefully before you start to use our site. By using our site, you are deemed to accept these terms of use and agree to abide by them. If you do not agree to these terms of use, please refrain from using our site.

Information about us

Our site is operated by Risk First Management Services Limited. We are registered in England and Wales under company number 6900300 and have our registered office at 77 Kingsway, London WC2B 6SR. Our main trading address is 14th Floor, Aldgate Tower, 2 Leman Street, E1 8FA.

Accessing our site

Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our site without notice. We will not be liable if for any reason our site is unavailable at any time or for any period. From time to time, we may restrict access to some parts of our site, or our entire site, to users who have registered with us.

Access to our site is intended for, and restricted to, users who are actual individuals. You may not access our site through any automated tools such as scrapers, crawlers or other similar tools (however described, and as they may exist now and in future). Any actual or attempted access via such tools (which we shall determine in our sole discretion) will result in your access rights being disabled, and may result in further legal action against you.

If you choose, or you are provided with, a username, password or any other piece of information as part of our security procedures, you must treat this information as confidential, and you must not disclose it to any third party. We have the right to disable any username or password, whether chosen by you or allocated by us, at any time.

You are responsible for making all arrangements necessary for you to have access to our site. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms, and that they comply with them.

Intellectual property

We (or an affiliate) are the owner or the licensee of all intellectual property rights in our site, and in material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved. For further detail on our patents and trademarks, as well as trademarks of third parties that are used on our site, see Intellectual Property.

You may print off one copy, and may download extracts, of any page from our site for your personal reference and you may draw the attention of others within your organisation to material posted on our site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text, in any way that may affect the content of this information or our intellectual property rights in our site. If you refer to information or analysis contained on our site, our status (and that of any identified contributors) as the authors of material on our site must always be acknowledged.

You must not use any part of the materials on our site for commercial purposes without obtaining our prior written consent, or a licence to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Reliance on information

Commentary and other materials posted on our site are for information only and are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on these materials by any visitor to our site, or by anyone who may be informed of any of its contents. Although this material is based upon information that we consider reliable, we have not verified this information and do not represent that this material is accurate, current, or complete; it should not be relied upon.

The material contained on our site is not to be construed as (i) a recommendation; or (ii) an offer to buy or sell; or (iii) the solicitation of an offer to buy or sell any security, financial product, or instrument or to participate in any particular business strategy in any jurisdiction in which such an offer or solicitation, or business strategy would be illegal. The fact that data on our site is available to you constitutes neither a recommendation that you enter into a particular transaction, nor a representation that any product or service described on our site is suitable or appropriate for you.

Some of the products and services described on our site involve significant risks, and you should not enter into any transactions unless you have fully understood all such risks and have independently determined that they are appropriate for you. Any discussion of these risks on our site should not be considered to be a disclosure of all risks or complete discussion of the risks which are mentioned. You should neither construe any of the material contained on our site as pensions, business, financial, investment, hedging, trading, legal, regulatory, tax, actuarial or accounting advice nor make this our site a basis for any investment decisions made by or on your behalf. You should consult your business, legal, tax and accounting advisors concerning any contemplated transactions.

Our liability

The material displayed on our site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:

  • All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
  • Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it, including, without limitation any liability for:
  • loss of income or revenue, loss of business; loss of profits or contracts; loss of anticipated savings; loss of data; loss of goodwill; wasted management or office time; and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.

This does not affect our liability for death or personal injury arising from our negligence or for fraudulent misrepresentation, nor any other liability which cannot be excluded or limited under applicable law.

Our site changes regularly

We aim to update our site regularly, and may change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely. Any material on our site may be out of date at any given time, and we are under no obligation to update it.

Privacy

We process information about you in accordance with our Privacy Policy. By using our site, you consent to this processing and you warrant that all data provided by you is accurate.

Viruses, hacking and other offenses

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack.

By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any breach to the relevant law enforcement authorities and we will cooperate with those authorities by disclosing your identity to them. In the event of a breach, your right to use our site will cease immediately.

We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.

Linking to and from our site

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in any way that suggests any form of association, approval or endorsement on our part where none exists. You must not establish a link from any website that is not owned by you.

Our site must not be framed on any other site, nor may you create a link to any part of our site except the home page. We reserve the right to withdraw linking permission without notice.

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.

Jurisdiction and governing law

The English courts will have non-exclusive jurisdiction over any claim arising from, or related to, a visit to our site, although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or other relevant country.

These terms of use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.

Changes to these terms of use

We may revise these terms of use at any time and in our sole discretion, by any means we deem appropriate, including amending this page. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.

Concerns and comments

If you have any concerns about material which appears on our site, please email support@riskfirst.com.

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