In these terms and conditions, “we”, “us”, “our” refers to JCRA and its group companies and “you”, “your” refers to any users of, or visitors to, our website and any commentary and other materials posted or published on our website (“content”). These terms and conditions shall govern your use of our website and its content. Users of our client portal are subject to separate terms and conditions
1.1 J.C. Rathbone Associates Limited is registered in England and Wales (company number 02330205) and authorised and regulated by the UK’s Financial Conduct Authority (reference number 145229); JCRA Financial LLC is a Delaware limited liability company (company number 4625407) and a member of FINRA (CRD number: 149305; SEC number: 68135), MSRB (ID number K0388) and SIPC in the US; JCRA Canada Inc. is a Canadian company (corporation number 939740-0 and business number 811789924RC0001).
1.2 Our group VAT number is 577723305.
1.3 Our content is not intended to serve as advice upon which you can rely. You are encouraged to consult with professional advisers concerning specific matters before making any decisions based on our content. We disclaim all liability and responsibility arising from any reliance placed on our content by you or by anyone who may be informed of such content.
1.4 By using our website, you accept these terms and conditions in full. You must not use our website if you disagree with these terms and conditions or any part of them.
2. Intellectual Property
2.1 Unless stated otherwise, we are the owner or the licensee of all intellectual property rights in our website and its content, which is protected by copyright and other laws and treaties around the world. All the copyright and other intellectual property rights in our website and its content are reserved.
3. Your use of our website and its content
3.1 You may view, download and print content from our website. You must always acknowledge our status (and that of any identified contributors) as the authors of content we post on our website.
3.2 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. Our website must not be framed on any other site.
3.3 You must not:
(a) use any part of our website for commercial purposes without obtaining a licence to do so from us or our licensors;
(b) sell, rent or sub-license content from our website;
(c) establish a link to us or our website or its content in such a way as to suggest any form of association, approval or endorsement on our part where none exists;
(d) use our website or its content in any way that is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity;
(e) use our website in any way or take any action, store, host, transmit, send, use, publish or distribute any material that causes, or may cause, damage to the website or impairment of its performance, availability or accessibility;
(f) conduct any systematic or automated data collection activities on or in relation to our website without our prior written consent; or
(g) post any content to our website which is illegal, libelous, maliciously false, obscene, indecent, offensive, unlawful, in breach of any contractual obligation owed to any person and capable of giving rise to legal action against any person.
4. Limited warranties
4.1 We do not represent or warrant:
(a) the completeness or accuracy of the content published on our website, although every effort is taken to ensure its accuracy;
(b) that the content on the website is up to date. We are under no obligation to update any content, or
(c) that the website or any service on the website will remain available.
4.2 We reserve the right to discontinue or alter any or all of our website services, and to stop publishing our website, at any time in our sole discretion without notice or explanation
5. Limitations and exclusions of liability
5.1 Nothing in these terms and conditions will:
(a) limit or exclude any liability for death or personal injury resulting from negligence or for fraud or fraudulent misrepresentation;
(b) limit any liabilities in any way that is not permitted under applicable law, or
(c) exclude any liabilities that may not be excluded under applicable law.
5.2 We (including our officers and employees) will not be liable to you or any of your affiliates for any direct, indirect or consequential loss or damage incurred or any business losses, including (without limitation) loss of or damage to profits, income, revenue, business, contracts, commercial opportunities or goodwill in connection with your use, inability to use or results of the use of our website or any of its content, including any third-party websites contained on our website or in its content.
5.3 We will not be liable to you or any of your affiliates in respect of any loss or corruption of any data, database or software or for the discontinuance or alteration of any website services, or if we stop publishing the website. We will not be liable to you or any of your affiliates in respect of any losses arising out of any event or events beyond our reasonable control.
5.4 The limitations and exclusions of liability set out in this clause 5 and elsewhere in these terms and conditions:
(a) are subject to clause 5.1; and
(b) govern all liabilities arising under these terms and conditions or relating to the subject matter of these terms and conditions, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty, except to the extent expressly provided otherwise in these terms and conditions.
6.1 We may revise these terms and conditions from time to time. The revised terms and conditions are binding on you and your use of the website and its content. You are expected to review this page from time to time to keep up to date with any changes.
6.2 You agree that we may assign, transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms and conditions.
6.3 If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision of these terms and conditions would be lawful or enforceable if part of it were deleted, that part will be deemed deleted, and the rest of the provision will continue in effect.
6.4 These terms and conditions, together with our Data Privacy Notice and Cookies Policy, shall constitute the entire agreement between you and us in relation to your use of our website and shall supersede all previous agreements between you and us in relation to your use of our website.
7. Governing law and jurisdiction
7.1 These terms and conditions shall be governed by and construed in accordance with the law of England and Wales
7.2 Any disputes or claims relating to these terms and conditions shall be subject to the exclusive jurisdiction of the English courts.
8.1 Please see our contacts page if you have any queries about the content on our website or these terms and conditions. We have a Business Continuity Plan (BCP) for our business across all regions. Please contact email@example.com if you have any queries about our BCP.