Terms and conditions

2. Copyright

2.1 Unless otherwise stated, we own the copyright and any other rights in all material on this website. This copyright and other rights do not extend to the GIFs/JPGs, which are publicly available.

2.2 Subject to Clause 5 below (special conditions applying to the Comparative Tables section of the FSA website www.fsa.gov.uk), extracts may be printed, saved to disk or any other storage medium and downloaded from this website on the following conditions:

2.2.1 The material is for your own personal use as a consumer or for your benefit and is not for any commercial purpose.

2.2.2 No text or related graphics are modified in any way.

2.2.3 Graphics are not used separately from the accompanying text.

2.2.4 The source of the material is acknowledged in all copies, either by appropriate words or by adding the FSA copyright notice (ie © The Financial Services Authority).

2.3 Subject to Clause 5 below (special conditions applying to the Comparative Tables section of the website) you must get our prior written permission before you reproduce or store any part of this website in any other website or include it in any public or private electronic retrieval system or service.

2.4 We reserve any rights not expressly granted in these terms.

2.5 You own any copyright in the text that you post to the forums. However, when you post text, you expressly grant us a perpetual, unlimited free licence to republish that text on our site.

3. Disclaimer

3.1 We try to ensure that the information on this website is correct, but we do not give any express or implied warranty as to its accuracy. We do not accept any liability for error or omission.

3.2 We are not liable for any damages (including, without limitation, damages for loss of business or loss of profits) arising in contract, tort or otherwise from the use of or inability to use this website, or any material in it, or from any action or decision taken as a result of using this website or any such material.

3.3 Our website and publications aim to give you general information to help you make financial decisions. The information is not advice, nor can it take account of your own particular circumstances. For advice with a view to making decisions about your own circumstances, you should consult a financial or other professional adviser.

3.4 We do not control the linked websites on this website and we are not responsible for the contents of any linked website or any link in a linked website, or any changes or updates to such websites. We are not responsible for webcasting or any other form of transmission received from any linked website. We provide these links to you only as a convenience, and the inclusion of any link does not imply that we endorse the website.

3.5 We do not link to external sites in return for cash, services or any other consideration. We only link to sites that are free to access, although the sites may ask you to register before viewing the content.

4. Discussion forums

4.1 Any comments posted to the forums must be lawful, and abide by the house rules. We reserve the right to remove any post we consider unsuitable, and to withdraw registration.

4.2 Comments are the opinion of the person posting, and not the opinion of the FSA. We do not warrant their completeness, truth or accuracy and we do not accept any liability for them.

4.3 In particular, you must not:

• post advertisements, or solicitations of business. This includes giving any regulated financial advice by way of business, or any financial promotions;
• post material that infringes the intellectual property right or other rights of others, or post or transmit any material that is in our view obscene, defamatory, threatening, harassing, abusive, hateful, or embarrassing to any other person;
• impersonate another person;
• disguise the IP address of the connection used to post any message;
• post, or request others to post, personal information, including phone numbers and email addresses.

4.4 We do not constantly monitor the discussion forums. Please inform us of any posts that you consider to be in breach of the house rules or the terms and conditions.

5. Special additional terms and conditions applying to the Comparative Tables section of the FSA website (www.fsa.gov.uk/tables)

5.1 You can print and download extracts from the Comparative Tables section of the FSA website on the following conditions. These apply in addition to, or (where indicated) in place of, the other conditions specified in this section headed Legal Information.

5.2 If you intend to publish material from this website, to use it in promotions, advertising or product literature or in some other form in the public domain, then you must comply with the following terms:

5.2.1 Our copyright notice (ie © The Financial Services Authority) must appear in all copies.

5.2.2 The date that we last updated the information (as indicated on the website) must be stated clearly on all copies, with the website address (www.fsa.gov.uk/tables); for example "Information taken from the FSA's Comparative Tables (www.fsa.gov.uk/tables) as at [date]".

5.2.3 The publication must not imply that we endorse any company or product or any conclusions drawn from the data.

5.2.4 You must either:
a. present tables complete and with no additions; or
b. if one or more tables is not complete, state that the information is based on a limited selection taken from the tables prepared by the FSA; for example "Selected from a total of [total number of products shown on website or printed table] products".

5.2.5 If you include additional data, you must distinguish it from the data provided by the FSA and clearly identify its source.

5.2.6 If you present our data in non-alphabetical order, you must make clear the basis for the way you have ordered it and must not indicate or imply that we endorse the ordering.

5.3 Information from this website is freely available for research. However, if you use or quote this material to a client in connection with a financial product or service, then - in addition to complying with the conditions in 5.2 above - you must give the client a print of the appropriate table. This should be:

5.3.1 as filtered and sorted by you;

5.3.2 complete in that it should include all products that remain after filtering, not just any you have shortlisted;

5.3.3 accompanied by the supporting introduction and column explanation pages;

5.3.4 as created using the print function on this website, without amendment.

Reviewed 15 September 2008; last updated 15 September 2008