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Financial Terms & Conditions

These Terms apply to your use of our website. If you do not agree to be bound by the Terms set out below you should not use this website.


The following words have the following meanings:
"Terms" means these terms and conditions;
"Service Provider" means any business, or other institution or corporation providing a product or service;
"We/Us/Our" means Financial which is a website operated by Shepherds Friendly Society Ltd.
"You" means the user of the website.


This website is used to help you to obtain answers and information about financial services to meet your individual needs. In respect of the answer and information we give to the first question you ask and any follow up information, whether on-line, verbally or in writing, the service is entirely free. The information that you give us may then be passed by us to potential Service Providers and researchers who will use that information and respond with the terms they are prepared to offer. If as a result of the answers and information provided to you, you decide to purchase a product or service with our help, then in most cases there will not be a direct cost to you. Should any purchase of a product or service cause a direct or indirect cost to be incurred by you then you will be advised of this before you decide to proceed.

Our Rights

We reserve the right at any time to modify or withdraw, temporarily or permanently, the website or any part of it without notice to you and we will not be liable to you in any way for any modification or withdrawal of the website. We also reserve the right to modify these Terms without reference to you. We reserve the right at any time to refuse to process a transaction for any reason. We will not be liable to you or any third party by reason of our failing to process a transaction. By submitting your personal information to us you expressly authorise us to store and transmit information about you and to use the information as described in the Privacy Policy.

Copyright, Trademark, and Site Content

You acknowledge and accept that all copyright, trademarks and all other intellectual property rights in all material or content provided as part of the website belong to us, or a Service Provider. You may download material from this site for your personal use only. No right, title or interest in any downloaded materials is transferred to you by such downloading. Any other use of the material and content of the website is strictly prohibited and you agree not to copy, reproduce, transmit, publish, display, distribute, commercially exploit or create derivative works of such material except with our written consent.

Our Liability to You

While we will use all reasonable endeavours to ensure the accuracy of any information placed on the website, we make no representations or give any warranties of any kind with respect to this site or its contents and we disclaim all representations, except where fraudulently made, and warranties. In addition we make no representations or warranties about the accuracy or the information contained on this website. The information provided to you in connection with the products is provided by the Service Providers and you acknowledge that we have no liability whatsoever to you in respect to the accuracy of professional advice or information received by the service providers. Where we rely on information given to us by third parties there may be a time delay in keeping that information up to date. You should therefore check the accuracy of the information. The website may not cover all Service Providers in the market. These disclaimers do not attempt to disclaim liability for matters that cannot be excluded under any applicable English law. We make no warranty that the website will meet your requirements or will be uninterrupted, timely, secure or error-free, that defects will be corrected, or that the site or the server that makes it available are free of viruses or bugs or represents the full functionality, accuracy or reliability of the materials. We will not be liable to you for any loss of content or material uploaded or transmitted through the website. We cannot guarantee that a Service Provider will be able to deliver a service at any particular time. We do not accept any liability in the event of withdrawal of any offering or for rejection of your request by the Service Provider for any reason whatsoever. Neither we, nor any of our directors, agents or employees will be liable for damages arising out of or in connection with your use of this site. This is a comprehensive limitation of liability that applies to all damages of any kind, including, without limitation, compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss or damage to property and claims of third parties. We do not exclude any liability for death or personal injury resulting from our negligence or that of our directors, agents or employees. This website is designed to provide you with general information only and does not attempt to give you advice or recommendation on any particular service.


In using this website, we require that you abide by these Terms. If you fail to abide by them, and this failure causes us to suffer a claim, action, liability, or loss because of your failure to abide by these Terms, you agree to indemnify us, on demand, for all costs and expenses, including legal fees, which arise out of your failure to abide by these Terms. Third Party Links In the event that there are third party links to other websites for your convenience, you acknowledge and agree that we are not responsible for the availability or functionality of such external sites. We do not endorse the content of any external sites and are not responsible or liable, directly or indirectly, for any loss however caused to you by your use of any external site. Miscellaneous We shall not be liable to you where performance of any of our obligations to you is prevented, frustrated or impeded by any circumstance or cause beyond our control. If any part of these Terms is found to be unenforceable as a matter of law, all other parts of these Terms shall not be affected and shall remain in force. These Terms shall be governed by and construed in accordance with English law and the English courts shall have jurisdiction over any disputes between us.

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