Terms and Conditions

(Please read in conjunction with our Privacy Policy)

Access and use of the Kellands website (“Website”) is subject to the following terms and conditions of use (“Terms of Use”). Please therefore read the Terms of Use and by proceeding you are deemed to have read and understood the Terms of Use and you signify your acceptance of the same.

Any reference to “we”, “us” or “our” means Kellands.


At Kellands, we take all reasonable steps to ensure that any information, data, services, systems, articles, bulletins and other content (“Content”) published from time to time on the Website is accurate and complete and complies with relevant English legislation and regulations as at the date of issue.

However, we regret that no liability can be accepted for any errors or omissions. We reserve the right at any time to change the content, presentation, performance, facilities and availability of all or part of the pages of this site at our sole discretion and without prior notice. We reserve the right at any time, and without prior notice, to remove or cease to supply any product or service contained on this website. In the event of any such change or removal we shall not be liable to you in any way whatsoever for such change or removal.

Whilst the Website service is as broad and comprehensive as possible, any comparative information on financial products and services provided by the Website may not include all products and services that are available on the market.

Some of the information and data about financial products and services on the Website is provided to us by third party suppliers. Whilst we endeavour to ensure that the information on the Website is accurate and up to date, there may be occasions when this is not possible. For instance, when a product provider changes product rates or features, a period of time may elapse before we are notified of such a change and are able to update the Website. This is particularly the case when base rates change, or other major unforeseeable financial events occur.

Whilst we take all reasonable steps to ensure that the information on the Website is accurate and up to date, neither Kellands nor its suppliers warrant that it is. You acknowledge and agree that neither Kellands nor its suppliers have any control over the accuracy or completeness of third party data and all liability in respect of the same is expressly excluded to the maximum extent permitted by law.

We therefore recommend that you check the accuracy and completeness of any content with a local Kellands independent financial adviser before purchasing any financial products or services.


The Content of the Website is intended for general information only and should not be construed as advice under the Financial Services and Markets Act 2000. The Website does not constitute financial, investment or tax advice and does not give you advice that relates to your specific circumstances. We recommend that you take appropriate professional and legal advice before entering into any binding contracts.

It is important that you do not rely solely upon the Content to make investment decisions. This site should not be regarded as an offer or solicitation to sell investments in any jurisdiction. The provision of details, products or services on these pages are not, and should not, be construed as an offer for us to sell or for you to buy such products or services from us, and we may in our absolute discretion accept or reject any offer from you.

If you intend to act on any information on the Website you should first confirm the details of the product or service (including costs and key features) with the product provider. If you are in any doubt as to the suitability of a product or service that you are intending to purchase or any aspect of your personal finances, we recommend that you seek independent financial advice first from your local Kellands adviser.

If you would like independent financial advice, contact one of our advisers.

All prices and information quoted on the Website are indicative rather than definitive. The Website does not constitute an offer to buy, sell or provide any financial products or services, nor does the Website comprise any form of investment advertisement.

Use of the Website and Content

You may use the Website and Content for your own private, non-professional use only. You may not use, copy, disseminate, distribute or re-sell the Website or Content (or any part thereof) for any commercial use or purpose whatsoever without our prior written consent. In particular, you may not use the Website or Content for carrying out or offering investment business as defined in the Financial Services and Markets Act 2000 in any capacity.

If you copy, frame, cache, deep link or set up a direct feed to any of the pages of the Website, these Terms of Use and the Privacy Policy will continue to apply.

We reserve the right to collect information about numbers of users of this site and individual pages for the purpose only of developing and customising this website to better meet our clients’ needs. We accept no responsibility for information outside our web pages that may be accessed by hypertext link from these pages or for these other sites not being available at all times. The links to any other sites are provided for general information purposes only and the sites concerned and their contents are not endorsed or promoted by us in any way, unless otherwise stated. Please note that when you click on any external site hypertext link, you will leave our site and access the external site at your own risk. We will accept no responsibility or liability in respect of the material on any such other website. You may not create a hypertext link to this website without the prior written approval of Kellands (Bristol) Limited.

The Website and Content has been specifically designed for use solely in the United Kingdom and relates to products and services available to residents and nationals of the United Kingdom only. You must not use the Website or Content in countries where it is restricted or prohibited by local laws, regulations, codes or customs. We also recommend that non-UK residents and nationals (including other EU citizens outside the UK) should refer to a source of financial information within their own country.

To the fullest extent allowed by law, you agree that we will not be liable to you or any third party for any consequential or incidental damages (including but not limited to loss of revenue, loss of profits, loss of anticipated savings, wasted expenditure, loss of privacy and loss of data) or any other indirect, special or punitive damages whatsoever that arise out of or are related to the site.

We reserve the right to change these terms and conditions at any time by posting changes on the website. It is your responsibility to review the terms and conditions regularly to ensure you are aware of the latest terms and conditions. Your use of this website after a change has been posted will be deemed to signify your acceptance of the modified terms and conditions. We recommend that you print off and retain for your records a copy of these terms and conditions from time to time together with any related application forms completed and submitted. Any amendment to these terms and conditions must be agreed in writing by us.


It is your sole responsibility to ensure the security of your ID and password and you agree not to disclose or permit to be disclosed your ID and password to any third party. We take all reasonable steps, including encryption, to ensure that your personal data is disclosed only to those specified by you. However, the internet is an open system and we cannot and do not guarantee that the personal data you have provided to us will not be intercepted or decrypted by others.

Please note that the internet is not a totally reliable communication medium and is subject to failure of software or hardware outside the control of Kellands which may lead to delays in, or total failure of communication data, messages or other material. We therefore do not warrant that the functions or materials accessible from or contained in this website will be uninterrupted or error free, or that defects will be corrected.

For further information on protection of personal data, see our Privacy and Cookie Policy below.


Copyright in the pages of this site, in the screens displaying the pages and in the information and material contained therein and their arrangement, is owned by Kellands unless otherwise indicated.

This website may not be reproduced or adapted in whole or in part without the prior consent of Kellands (Bristol) Limited, except for the purpose of accessing our services and for producing print outs for your own personal records. Any such copies must retain any copyright or other intellectual property notices contained in the original material.

Intellectual Property Rights

The trade marks, images, logos, trade names or similar on this website which identify Kellands (Bristol) Limited or third parties and their products and services are proprietary marks of Kellands (Bristol) Limited and/or the relevant third parties. No licence is granted to you in these terms and conditions to use any such marks.


Please note that any software is downloaded at your own risk. We do not warrant the suitability of any such software, which is downloaded and accept no liability for any problems with your computer that may arise as a result. If you are in any doubt as to the suitability of software to be downloaded for your computer, it is recommended that you obtain specialist advice before downloading.

Termination and withdrawal of your ID and Password

We reserve the right to cancel your ID and Password or terminate the provision of the Website and Content (or any part thereof) to you without notice or reason.

You agree that we may immediately terminate your ID and Password if you fail to comply with any of these Terms of Use.


Some pages on the Website may contain hypertext links to and from websites not operated or maintained by us (“Third Party Websites”). You are reminded that when you enter a Third Party Website by means of hypertext links from the Website, you will be subject to the terms and conditions of the Third Party Website you are entering. Similarly, when you enter the Website by means of hypertext links from a Third Party Website, you will be subject to these Terms of Use.

Hypertext links to Third Party Websites are provided for your convenience only. You acknowledge and agree that we are not responsible or liable in any way for the information or content displayed on such Third Party Websites (including, without limitation, advertisements about investment products and services) and we do not endorse or make any recommendation about products and services that are advertised or promoted on such Third Party Websites.

Some hypertext links on the Website may take you to Third Party Websites where advice or trading is available. You acknowledge and agree that we are not responsible or liable in any way with regard to any advice or trading which may be conducted on such Third Party Websites.

Limitation of Liability

Nothing in these Terms of Use restrict or exclude our liability to you for death or personal injury caused by our negligence.

Subject to the above, we shall not be liable for any loss, damages, costs, claims or expenses whatsoever arising from:

  • the acts, errors or omissions of third parties;
  • the accuracy or completeness of the Website or Content;
  • your failure to ensure the security of your ID and password; and
  • your use of the Website and Content otherwise than in accordance with these Terms of Use.

In no event shall we be liable for any indirect or consequential loss or damages whatsoever (including, without limitation, loss of profits) incurred by you or in respect of any claim made against you by any third party arising as a results of, or in connection with, your use of the Website or Content.

The Website and Content is provided ‘as is’. All warranties whether express or implied under law (including, without limitation, any warranties in relation to the Content, information, data, services, interrupted use, errors, omissions, delays, termination of service, loss of data for any reason, fitness of purpose, infringement of third party property rights) are hereby expressly excluded to the fullest extent permitted by law.

You must not at any time:

prevent, restrict or inhibit any other authorised user from using the Website or Content.