General Terms and Conditions of Use

1. Acceptance of Terms

Worldwide Advisers provides an online service that enables members of the public to search for and select a financial adviser in their part of the world. In using this service or any other service provided by Worldwide Advisers (whether you are a client, a financial adviser or otherwise), you agree to comply with and be bound by the terms and conditions (“Terms”) set out below which constitute a binding contract between you and Worldwide Advisers. 
If you do not wish to be bound by the Terms you should not use the service.

2. Key Definitions

In these Terms the following definitions shall apply:

“Client(s)” 
means persons who use the Service for the purposes of either searching for and identifying a Financial Adviser who meets their needs, or providing feedback on their Financial Adviser.

“Adviser(s)”
 means Financial Adviser(s) who register on the Website in order to offer their services to Clients.

“Service” 
means the online service operated through the Website whereby users can search for and select Advisers, together with any other service provided by Worldwide Advisers to Users from time to time.

“User” 
means anyone using the Website and/or making use of the Service.

“Worldwide Advisers”, “us”, “we” and “our” 
means Worldwide Advisers Limited, a Company registered in England (No. 10130344) whose address is Brook Lane House, Rossett Business Village, Rossett, LL12 0AY, United Kingdom

“Website” 
means the website www.worldwideadvisers.com and all the pages, content and sub-domains contained in it. It also means similar websites that we develop with third parties under their own brands.

3. Nature of the Service and the role of Worldwide Advisers

The primary purpose of the Service is to help Clients find the right Financial Adviser for their needs. It is the responsibility of the Client to identify and select an appropriate Adviser, to agree the fee and/or commission arrangements and other terms of engagement with the Adviser and to assess the suitability, if applicable, of any available financial products. 

Prior to the initial registration of an Adviser on the Website, and periodically after that (at a frequency determined by Worldwide Advisers at its discretion), Worldwide Advisers may check the Professional’s status with the relevant regulatory body if applicable (e.g. Financial Conduct Authority for UK Advisers, etc.). Worldwide Advisers may also seek verification from each Adviser that the description of their services and qualifications on the Website is accurate.
Worldwide Advisers shall not be responsible for conducting any other checks on Advisers so it is the User’s responsibility to verify the Adviser’s credentials, regulatory status and stated qualifications. 
Worldwide Advisers does not recommend any particular Adviser, and the fact that an Adviser is listed on the Website does not mean that they are approved or endorsed by Worldwide Advisers in any way.

Worldwide Advisers does not provide services or activities that are regulated and as such is not required to register with the Financial Conduct Authority or any other professional regulatory body. Accordingly Worldwide Advisers is not authorised to give, and does not give, any financial advice. 

A secondary purpose of the Worldwide Advisers website is to allow people to find an Adviser already known to them, either to read feedback about them, provide feedback about them or to view their profile details again.

Worldwide Advisers also provides a list of “unverified” individuals, where we have reason to believe they may be an Adviser, but have not verified that to be true. The list is based on available data already in the public domain. These Advisers can be contacted through the website and they can request to be removed.

In providing the Services, Worldwide Advisers is not acting as a contractor or agent for any other person.

4. Information

Although we make reasonable attempts to ensure correctness, Worldwide Advisers cannot guarantee the accuracy of the information on the Website, and we are not liable for any problems or losses arising from errors in such information. 
Information contained in this Website is provided for general guidance only and shall not be construed as professional advice. Worldwide Advisers does not accept any responsibility for any loss that may arise from the reliance on information contained in the Website.

5. Use of the Website and Content

You agree to use the Website only for lawful purposes and in a way that does not infringe the rights of or restrict or inhibit anyone else’s use and enjoyment of the Website. You understand that all postings, messages, text, files, images, photos, video, sounds, or other materials (“Content”) posted on, transmitted through, or linked from the Website are the sole responsibility of the person from whom such content originated, and that Worldwide Advisers does not control, and is not responsible for Content provided by any other person (including, without limitation, any advertiser on the Website).
 You are entirely responsible for all Content that you upload, post, email or otherwise make available via the Service.

You agree not to upload, post, email, or otherwise make available any Content:

  • that is false or misleading;
  • that infringes any intellectual property rights of, or a duty of confidentiality to, any other person;
  • that advertises products or services the sale or supply of which is prohibited or restricted by applicable law;
  • that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; or
  • that is libellous, abusive, threatening, vulgar, obscene, or otherwise objectionable.

You acknowledge that Worldwide Advisers does not pre-screen or approve Content, but that Worldwide Advisers shall have the right (but not the obligation) at its sole discretion to refuse, delete, edit or move any Content that is available on the Website for violating the letter or spirit of the terms or for any other reason.
 If we are unable to verify review Content, Advisers will not be eligible for any refunds or, if we deactivate a Professional’s account while we verify reviews, we will continue to charge a monthly subscription until our investigation is complete.

6. Offers

Worldwide Advisers offers are all subject to availability and we reserve the right to amend and/or withdraw any of our offers at any time. This includes all free or discounted products or services and anything else that we describe as an offer/special offer. Certain offers are subject to additional terms and conditions as set out on their individual websites/pages and/or as set out herein.

7. Reviews

All Clients are able to complete feedback evaluations on Advisers (or “unverified” individuals listed on the site) from whom they received Professional advice. Clients must ensure that any feedback posted by them conforms to the rules regarding Content in the section entitled “Use of the Website and Content” above. Worldwide Advisers is not responsible for the content of feedback posted by Clients, or any harm done by such content. We reserve the right to contact reviewers to verify Content they have written. Worldwide Advisers shall take reasonable measures to verify that the feedback is genuine, and may at its sole discretion remove Client feedback whose authenticity is in doubt. Worldwide Advisers does not accept any responsibility for damage caused by false or bogus feedback, or its failure or refusal to remove it.
 Where a Client, Adviser or other User believes feedback (about either Advisers or “unverified” individuals) may be fraudulent, defamatory or abusive, they should immediately contact Worldwide Advisers through the Contact page.

8. Third Party Links

The Website and Content may contain links to other websites that are independent of Worldwide Advisers. Worldwide Advisers makes no representation or warranty as to the accuracy, completeness or authenticity of the information contained in any other site, and if you follow a link to another website you do so at your own risk.

9. Intellectual Property

Worldwide Advisers owns all the intellectual property rights relating to the Website, including the designs, text, database, graphics and layouts, and you agree not use or copy any part of them without our express permission in writing. You agree not to download, reproduce, copy, resell or exploit for any commercial purposes, any aspect of the Service, or to use automated means to download data from the Service (including without limitation, spiders, robots, crawlers or data mining tools, but excepting standard internet search engines).
 Users are not permitted to decompile or disassemble, reverse engineer or otherwise attempt to discover any source code contained in the Website.
 The intellectual property rights in Content uploaded by Users to the Website are retained by the copyright owner, and Content is added to the Website by Users at their own risk. In doing so you are giving irrevocable permission for us to store, display and use the Content as we see fit.

10. Data and Email Marketing

Worldwide Advisers reserves the right to supply email addresses to third parties who may from time to time contact users and advisers with offers and promotions relevant to the spirit and content of the Worldwide Advisers website.

11. Dealings between Users

Your interactions with organisations and/or individuals found on, or through, the Website, including responsibility for delivery of and payment for products or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such organisations and/or individuals. You agree that Worldwide Advisers shall not be responsible, or liable, for any loss or damage of any sort arising from any such dealings.
 In the event that you have a dispute with one or more other Users, you hereby release Worldwide Advisers, its officers, employees, agents and successors in rights from claims, demands and damages (actual and consequential) of every kind or nature, known or unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way related to such disputes and/or the Service (save to the extent caused by Worldwide Advisers’ own negligence or wilful default). Whilst Worldwide Advisers may, at the request of a Client or an Adviser, investigate a complaint, you acknowledge and agree that Worldwide Advisers is under no obligation to become involved in any dispute between Users, Clients and Advisers.

12. Preventing Abuse

We strive to make sure that your experience of using the Service is positive and rewarding, and as a result we may contact you from time to time during your use of the Service to check that you are satisfied with how things are going and to verify that Advisers and other Users are complying with their obligations to you and us. You understand and agree that we may contact you from time to time for these purposes and that, in the interests of maintaining the quality and integrity of the Service, you will respond promptly and truthfully to any reasonable requests for information.

13. Disclaimer of Liability

Worldwide Advisers does not recommend, endorse or approve any of the Advisers listed in the Website or any advice they may provide.
 It is the sole responsibility of the Client to select an appropriate Adviser, to agree the terms of engagement with the Adviser and to assess the suitability of any products or services offered or recommended to them. Worldwide Advisers does not give any warranty as to the suitability, competence or qualifications of any Adviser and shall not be liable for any loss or damage resulting from any advice given by an Adviser or the purchase of (or failure to purchase) any products or services as a result of or in connection with such advice.
 Save for the checks on Advisers referred to in paragraph 3 above, Worldwide Advisers is not responsible for vetting or conducting any checks on Advisers. 

You agree that the Website and the Service are provided on an “as is” or “as available” basis, and accordingly use of the Website and the Service is entirely at your own risk. Any and all warranties relating to the Website and the Service, including, without limitation, any implied warranties as to fitness for a particular purpose and non-infringement of proprietary rights are expressly disclaimed to the fullest extent permitted by law.

Worldwide Advisers takes reasonable care to ensure that the Website and its electronic communications are virus-free. However, Worldwide Advisers disclaims any warranty that the Website is free of viruses or other harmful components.

14. Indemnity

You agree to indemnify and hold harmless Worldwide Advisers, its officers, employees, agents and service providers from any claim or demand, including reasonable legal fees and court costs, made by any third party due to or arising out of Content you submit, post or make available through the Service, your use of the Service, your violation of the Terms, or your violation of any rights of any person or organisation.

15. Limitations on Service

You acknowledge that Worldwide Advisers may establish limits concerning use of the Website, including but not limited to the maximum number of days that Content will be retained by the Website, the maximum number and size of postings, email messages, or other Content that may be transmitted or stored by the Website, and the frequency with which you may access the Website.
 You agree that Worldwide Advisers has no responsibility or liability for the deletion or failure to store any Content maintained or transmitted by the Website. You also acknowledge that Worldwide Advisers reserves the right at any time to modify or discontinue the Website (or any part of it) with or without notice.
 Worldwide Advisers shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Service or any part of it, including for loss of profit or consequential loss or damage.

16. Termination or Restriction of Service

You agree that Worldwide Advisers, in its sole discretion, has the right to delete, suspend or deactivate your user account, block your email address, or otherwise terminate or restrict your access to or use of the Website immediately and without notice and remove and discard any content within the Website for any reason, including, without limitation, if Worldwide Advisers believes that you have acted inconsistently with the letter or spirit of the Terms.
 You agree that neither Worldwide Advisers nor its officers or employees shall be liable to you or any third-party for any termination or restriction of your access to the Website.

17. Privacy Policy

Worldwide Advisers has established a Privacy Policy which governs how Users’ information is collected and used, and this policy is located in the Privacy Policy section of the website. Your use of the Website and/or the Service signifies your acknowledgement of, and agreement to, our Privacy Policy.

18. Changes to Terms

Worldwide Advisers reserves the right to change or update these Terms from time to time. As a User of the Website, you are responsible for informing yourself of any updates of these Terms by visiting this section. Any significant changes in the Terms will be notified by an announcement on the Website and/or an email to active Users.

19. Compliance with Law.

You acknowledge and agree that in completing a Registration Form, participating in the Service and providing services to Clients you are required to inform yourself of and comply with all applicable laws, regulations and guidelines (whether mandatory or not) and Worldwide Advisers shall have no responsibility for reviewing or verifying your compliance.

20. Governing Law & Jurisdiction

These Terms shall be governed by and interpreted in accordance with English law. Disputes arising in connection with these Terms shall be subject to the exclusive jurisdiction of the English courts.
 If any provision of these Terms is held to be illegal or unenforceable such provision shall be severed and the remainder of these Terms shall remain in full force and effect, unless the business purpose of the contract between us is substantially frustrated as a result.

Adviser Specific Terms of Use

Acceptance of Terms

In submitting an online registration form (“Registration Form”) to participate in the Service you agree to comply with and be bound by (i) our General Terms and Conditions (“General Terms”), and (ii) the Adviser Specific Terms set out below (“Adviser Terms”), which together with the Registration and Subscription Form constitute a binding contract between you and Worldwide Advisers. Definitions used in the General Terms also apply in these Adviser Terms.

1. Term

Your minimum initial subscription period shall be three calendar months (“Initial Period”) from the date upon which you have provided billing details, any credit has been used or expired, and Worldwide Advisers has activated your profile on the Website. You can also select an annual subscription period, which will be discounted to reflect your pre-payment. The discount can vary from time to time to reflect the marketing activities of Worldwide Advisers, and will be published in accordance with Fees and Payment schedule detailed in point 3 below. Subject to receipt of your subscription payment for each new subscription period, your subscription shall automatically renew for successive periods based on your selected subscription period and until terminated by you or Worldwide Advisers. For annual subscriptions there will be a 30 day no-quibble money back guarantee.

2. Completion of Profile

At the time of registration for the Service you will be asked to complete your online Registration, Subscription Form and your profile, which you must do as fully and accurately as possible. You are responsible for keeping your profile up to date at all times and you must promptly notify Worldwide Advisers of any material changes in relation to your details or status which may affect your eligibility to use the Service (including without limitation any change in your regulatory status, professional indemnity insurance details, or membership of any professional body you are registered with).

3. Fees and Payment

Any significant changes to our charging structure, subscription fees, enquiry fees or addition or changes to other charges will be communicated in advance via an e-mail to active users.

 Advisers shall pay to Worldwide Advisers subscription fees in respect of the Service on the basis and at the levels described below (“Subscription Fees”).

Essential Plan

  • Full profile
  • Appear in search results
  • Get reviewed by clients
  • Read leads before accepting them
  • Upload and publish articles and video
  • Personalised Worldwide Advisers URL
  • Cost per lead – £60
  • Monthly subscription – Free

Professional Plan

  • Full profile
  • Appear in search results
  • Get reviewed by clients
  • Read leads before accepting them
  • Upload and publish articles and video
  • Personalised Worldwide Advisers URL
  • Access analytics
  • Number of free leads per month – One
  • Monthly subscription – £25 per month or £270 per year
  • Cost per additional lead – £40

Executive Plan

  • Full profile
  • Appear in search results
  • Get reviewed by clients
  • Read leads before accepting them
  • Upload and publish articles and video
  • Personalised Worldwide Advisers URL
  • Access analytics
  • Number of free leads per month – Two
  • Monthly subscription – £50 per month or £540 per year
  • Cost per additional lead – £30

4. Lead Fees

In addition to Subscription Fees, Advisers are required to pay “Lead Fees” to Worldwide Advisers in respect of each lead they receive through the Service (“Lead”) on the basis explained on the relevant Subscription Plans above. Any significant changes in the Lead Fee levels will be communicated in advance via an email to active Users. Your obligation to pay Lead Fees shall survive, and shall not be affected by expiry or cancellation of your subscription.

5. Value Added Tax (Sales Tax)

All Subscription Fees and Lead Fees quoted are exclusive of Value Added Tax (“VAT”) [also knows as Sales Tax}, which will be charged as an additional item on Subscription Fees and Lead Fees as applicable.

6. Billing & Invoicing

Worldwide Advisers shall bill your bank account directly or through a third party supplier, subject to that party’s terms and conditions, as accepted separately by you. Where that arrangement is not in place, Worldwide Advisers will supply you with invoices upon any Subscription Fee or Enquiry Fee becoming due (or on a periodic basis at the discretion of Worldwide Advisers). All invoices shall be payable without deduction or set-off within 7 days of receipt. Worldwide Advisers reserves the right to charge interest on any overdue amounts at the rate of 2% above the base lending rate of Royal Bank of Scotland (London) from time to time, such interest accruing daily.

7. Suspension of the Service

Your obligation to pay Subscription Fees and Lead fees shall not be affected by any disruption, downtime or temporary suspension of the Service for any reason.

8. Cancellation

Your Right To Cancel
.
You may cancel your subscription to the Service at any time by giving Worldwide Advisers at least one calendar month’s notice in writing. Any Subscription Fees already paid by you in respect of periods following the cancellation date shall be forfeited and shall belong to Worldwide Advisers.

Cancellation By Worldwide Advisers.
Worldwide Advisers may cancel your subscription to the Service:

  • by notice in writing given at any time prior to the end of the Initial Period, to take effect at the end of the Initial Period; or
  • at any time following the end of the Initial Period by giving one month’s notice in writing.

Upon cancellation by Worldwide Advisers, Worldwide Advisers shall refund any Subscription Fees already paid by you in respect of periods following the cancellation date.

Cancellation For An Event Of Default.
Worldwide Advisers may cancel your subscription and/or delete, suspend or deactivate your user account or otherwise terminate or restrict your access to the Service immediately and without notice and remove and discard any content within the Website if you commit an “Event of Default”. Each of the following shall be an Event of Default:

  • you cease providing financial advice;
  • your regulator registration lapses or is cancelled, or you become subject to any inspection, investigation or enquiry by any statutory or regulatory body (save for routine inspections in the ordinary course);
  • we receive a complaint about you from a Client or other User or you become involved in a dispute with a Client or other User, in circumstances where Worldwide Advisers considers, in its absolute discretion, that your continued participation in the Service or presence on the Website may cause harm to the business or reputation of (i) the Service, (ii) Worldwide Advisers or (iii) Worldwide Advisers’ officers or employees;
  • you commit a material breach of the General Terms or these Professional Terms (including, without limitation, failure to make any payment of Subscription Fees or Enquiry Fees when due);
  • (i)you become unable to pay your debts within the meaning of the Insolvency Act 1986, or (ii) a receiver, liquidator, administrator or trustee in bankruptcy is appointed in respect of all or any part of your undertaking or assets, or (iii) you enter into a creditor’s voluntary arrangement or an individual voluntary arrangement, or (iv) any order is made or resolution is passed in connection with the liquidation, administration, bankruptcy or winding up of you or your business.

You are obliged to notify Worldwide Advisers immediately in writing upon becoming aware that an Event of Default has occurred.
 If Worldwide Advisers cancels your subscription as a result of an Event of Default, any Subscription Fees already paid by you in respect of periods following the cancellation date shall be forfeited and shall belong to Worldwide Advisers.

9. Client Management

You agree that, promptly (and in any event within two Business Days) following receipt of an enquiry from a potential Client through the Service, you will make contact with the potential Client via the Service or directly by telephone or email, observing any contact preference. We reserve the right to contact reviewers to verify Content they have written. If we are unable to verify your review Content, you will not be eligible for any refunds or Money Back Guarantee. If we deactivate your account while we verify your reviews, we will continue to charge you your monthly subscription until our investigation is complete. A “Business Day” means any day other than a weekend or a public holiday, when banks are generally open for business in London.

Worldwide Advisers reserves the right to verify your compliance with the General Terms or these Professional Terms generally by any lawful means including (without limitation) by contacting Clients, mystery shopping and through monitoring on-site behaviour. 
You understand and agree that Worldwide Advisers will remain in contact with Clients during their use of the Service and that upon request by a Client, Worldwide Advisers shall be entitled (but not obliged) to investigate and become involved in any Client complaint or grievance or any dispute between you and a Client.

10. Accuracy of Information

By completing a Registration Form and using the Service you unconditionally confirm that:

  • the details provided by you in your Registration Form and in your online profile are true, fair and accurate in all material respects and complies with all applicable regulatory or statutory requirements;
  • you are registered as a financial adviser, under the regulatory body you stated, and with registration number you have provided us with;
  • you also confirm that you are an independent adviser and able to provide fee-based and/or commission-based advice to Clients.

You acknowledge and agree that, without the need for any further consent, Worldwide Advisers shall be entitled to contact directly any regulatory, professional or certifying body, financial institutions, networks and any other body or organisation which Worldwide Advisers may in its discretion decide, in order to verify your authorisation, credentials and any information posted on the Website or otherwise provided by you in connection with the Service. In the case of an individual representative of a Financial Adviser firm we also reserve the right to contact their firm or any previous firm of such representative for the same purpose. You also acknowledge and agree that, without the need for any further consent, Worldwide Advisers shall be entitled to inform such bodies and organisations of any suspicions it may have concerning the authenticity of any information provided by you in connection with the Service.

11. Use of Information in Promotional Material

By completing the Registration Form, you give Worldwide Advisers permission to reference you, your profile, your photo and your client feedback in any material which promotes the Worldwide Advisers website.

12. Client Reviews & Feedback

You acknowledge and agree that reviews and feedback from Clients to whom you have provided advice may be published on the Website and in such other places and/or forms as Worldwide Advisers shall reasonably decide, and that Worldwide Advisers shall not have any responsibility for screening or monitoring such feedback.
 In the event that you suspect that any feedback made about you on the Website is not authentic feedback from a Client advised by you, or you consider any feedback to be abusive, libellous or inappropriate you should bring this to the attention of Worldwide Advisers who shall have a duty to investigate the matter. We shall take such action in relation to such a matter as we shall decide in our absolute discretion, which may involve the editing or removal of such feedback.
 Your obligation to pay Subscription Fees and Enquiry Fees shall not be affected by any action we take (or refrain from taking) in relation to feedback.

13. Compliance with Law.

You acknowledge and agree that in completing a Registration Form, participating in the Service and providing services to Clients you are required to inform yourself of and comply with all applicable laws, regulations and guidelines (whether mandatory or not) and Worldwide Advisers shall have no responsibility for reviewing or verifying your compliance.

14. Governing Law & Jurisdiction

These Professional Terms shall be governed by and interpreted in accordance with English law. Disputes arising in connection with these Professional Terms shall be subject to the exclusive jurisdiction of the English courts. 
If any provision of these Professional Terms is held to be illegal or unenforceable such provision shall be severed and the remainder of these Professional Terms shall remain in full force and effect, unless the business purpose of the contract between us is substantially frustrated as a result.