Terms and Conditions

PLEASE READ THESE TERMS CAREFULLY BEFORE USING THIS SITE

When do these terms apply?

These terms apply when you access and use our website (our Site).

Who are we?

Y TREE Limited is registered in England and Wales, with company number 10186799 and our registered office is at 130 Shaftesbury Avenue, London W1D 5EU (“we/us”). We are authorised and regulated by the Financial Conduct Authority (Firm Reference Number 967369). We are also regulated by the UK Financial Conduct Authority under the Payment Services Regulations 2017 as a Registered Account Information Service Provider (Firm Reference Number 815261).

You can contact us at information@y-tree.com.

We operate our Site.

When you use our Site you accept these terms

When you use our Site, you acknowledge and accept these terms and agree that you will comply with them.

If you do not agree to these terms, you must not use our Site.

Changes to our Site and to these terms

We may update and change our Site or these terms from time to time or withdraw or suspend the use of our Site.

Other terms that apply to you

The following policies also apply to your use of our Site:

  • Our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our Site, you consent to such processing and you warrant that all data provided by you is accurate.
  • Our Cookie Policy, which sets out information about the cookies on our Site.

What we expect from you when you use our Site:

Your security

If we provide you with a user identification code, password or any other piece of information as part of our security procedures, you must ensure that you keep those security details confidential and secure.

You must ensure that all persons who access our site through your internet connection are aware of these terms and that they comply with them.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at information@y-tree.com.

We reserve the right to disable any user identification code or password or suspend, restrict or block your access to our Site if, in our reasonable opinion, we suspect unauthorised or fraudulent use of our Site.

Your reliance on information on our Site or third party sites

The information available to you on our Site is not intended as advice on which you should rely. You must obtain professional or specialist advice before taking action based on that information.

Where our Site links to other third party sites and resources, they are provided for your information only. We have no control over the contents of those sites or resources.

We make no representations and provide no warranties or guarantees that the content on our Site or third party sites or that third party resources are accurate, complete or up to date.

Prohibited Activities and Prohibited Purposes

You will not use our Site for any Prohibited Activity (as defined below) or for any Prohibited Purpose (as defined below).

We reserve the right to disable any user identification code or password or suspend, restrict or block your access to our Site if, in our reasonable opinion, we suspect you have engaged in any Prohibited Activity or have used our Site for a Prohibited Purpose.

Our security

We may use software and other technology to detect viruses or malicious software on the device you use to access our Site and to determine whether your device has been altered through ‘jailbreaking’ or ‘rooting’. If we determine that your device has been altered through ‘jailbreaking’ or ‘rooting’, or if we detect viruses or malicious software, we may suspend, restrict or block access to our Site from that device.

We may suspend, restrict or stop you accessing our Site at any time if we reasonably think that the security of our Site is at risk.

Your use of material on our Site

We are the owner of all intellectual property rights in our site. We own all intellectual rights in the material published on our site subject to ownership rights in content provided by third-parties. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.

You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our Site in breach of these terms, your right to use our Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

User-generated content is not approved by us

Any information and/or materials uploaded by other users of our Site have not been verified or approved by us. The views expressed by other users on our Site do not represent our views or values.

Any content you upload to our Site will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, but you are required to grant us and other users of our Site a limited licence to use, store and copy that content and to distribute and make it available to third parties.You are solely responsible for securing and backing up your content.

We also have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our Site constitutes a violation of their intellectual property rights, or of their right to privacy.

We have the right to remove any posting you make on our site if, in our opinion, your post does not comply with our content standards.

Our responsibilities

Liability

We do not exclude or limit in any way our liability to you arising out of your use of our Site where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation. Furthermore, we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

We do not guarantee that our Site, or any of its content will always be available, that it will operate without error, interruption or delay or will be free of bugs and/or viruses.

Governing Law

These terms are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction.

Definitions

Prohibited Activity

Each of the following is a Prohibited Activity

  • Any illegal or unlawful purpose that breaches national or international law, including without limitation intellectual property, tax, data protection and privacy law
  • Using our Site as part of a trade or business
  • Using data mining, robots, or similar data gathering and extraction tools in relation to any content in our Site
  • Using framing techniques to enclose the trade marks, logos and other proprietary images, text layouts and formats which we use in our Site and/or meta tags or any other “hidden text” which uses our name or trade marks
  • Using, copying, reproducing, incorporating, distributing, sublicensing, adapting, enhancing, modifying, decompiling, reverse engineering or displaying any image or other part of the contents of our Site
  • Whether or not as part of a text or data mining exercise, scraping, extracting or reutilising any image or other part of the contents of our Site
  • Providing or distributing (in any way whatsoever) any image or other part of the contents of our Site, our Site technology or intellectual property rights
  • Using any data and/or contents obtained or made accessible to you through search queries or using our Site (in full, in part or as extracts)
    1. to establish a personal database in whatever media format; and/or
    2. for commercial utilisation of data or to supply information and/or
    3. for any other commercial use whatsoever.
  • Conducting any activity aimed at disrupting the operational aspects or technical infrastructure of our Site. This particularly includes:
    1. the use of software, scripts or databases in connection with the use of our Site; and/or
    2. automatic reading, blocking, overwriting, modification, copying of data and/or other content unless essential for proper use of our Site;
  • Misusing our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful;
  • Attempting to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site;
  • Attacking our site via a denial-of-service attack or a distributed denial-of service attack; and/or
  • Establishing a link to our site in any website in a way that damages our reputation or suggests any form of association, approval or endorsement on our part where none exists.

Prohibited Purpose

Each of the following is a Prohibited Purpose

  • Involvement in or facilitation of any Prohibited Activity
  • Involvement in any illegal or unlawful activity