By using our website or signing up for our services, you agree to be bound by these Terms and Conditions (the “Terms”). We reserve the right to change these Terms at any time, and any updated Terms will be posted on the website. By continuing to use and access the website, you agree to be bound by the latest version of these Terms.

Nothing in these Terms affects your statutory rights under law. For questions regarding these Terms, please contact our Customer Support team.

1. Use of Website and Services

1.1 Access

You are provided access to the website for your personal, non-commercial use only. You agree to use the website in accordance with these Terms and applicable law. We may suspend or terminate your access if you fail to comply with these Terms, other site policies, or applicable regulations.

• Attempt to gain unauthorised access to any part of the site, its systems, or networks.
• Interfere with or disrupt the operation of the website or related services.
• Use the website for any unlawful, fraudulent, or harmful purpose.
• Use data mining, scraping, or automated tools to extract data from the website.
• Use framing techniques, meta tags, or hidden text that uses our branding or trademarks without permission.

Access to the website is at your own risk. We do not guarantee that the website, or its functions, will operate uninterrupted, error-free, or be free of viruses or bugs.

If you access the website from any country or region, you are responsible for complying with local laws.

1.2 Intellectual Property

All content and intellectual property rights on this website (including text, images, logos, software, and design) are owned by Shares Saver. Nothing in these Terms grants you any rights to use, copy, or distribute any part of the website, except as required to use our services as intended.

1.3 Third-Party Links

The website may link to third-party sites for your convenience. Shares Saver does not endorse or accept responsibility for third-party websites, their content, or services.

2. Nature of Our Services

2.1 Administrative Services Only

Shares Saver provides administrative services to help you save regularly and facilitate the purchase and registration of shares in your name, based on your instructions and contributions.
We do not provide investment advice, recommendations, or act as a stockbroker or financial advisor. We do not manage investments or advise on the suitability, risk, or value of any shares or financial instruments. You are solely responsible for your savings decisions and any instructions you provide.

2.2 No Guarantee or Endorsement

We do not guarantee the performance, value, or suitability of any shares you acquire through our service. All savings and share purchases are made at your own risk. Past performance is not a guarantee of future results.

3. Eligibility and Registration

To use our services, you must be at least 18 years of age and provide accurate and current personal information. You are responsible for maintaining the confidentiality of your account information and for all activities under your account.
We reserve the right to refuse, suspend, or terminate your account at our discretion, including if we believe you have violated these Terms or provided false information.

4. Fees and Charges

All fees for our administrative services are clearly stated on our website and may be updated from time to time. By using our services, you agree to pay all applicable fees.
You will be notified in advance of any changes to our fee structure.

5. User Contributions and Share Purchase Process

5.1 Savings Contributions

You are responsible for ensuring that any funds transferred to your Shares Saver account are from a valid payment source in your name. We reserve the right to reject or return funds at our discretion.

5.2 Share Purchases

When your savings reach the required amount, we will arrange the purchase of shares through registered stockbrokers in accordance with your instructions. Shares are registered in your name, and we provide you with the relevant certificates and documentation.

5.3 Documentation

All official share certificates and documents will be made available in your account. You may also request physical copies by post for a fee as listed on our website.

6. Cancellations, Withdrawals, and Refunds

You may cancel your account or withdraw funds not yet allocated to share purchases at any time, subject to our withdrawal procedures and any applicable fees.
Once shares are purchased on your behalf, cancellation or refund is not possible except as permitted by applicable law or our stated policy.

7. Limitation of Liability

Shares Saver is not responsible for:

• Any investment loss, loss of opportunity, or other loss resulting from your use of our administrative services.
• Any delays or errors caused by third-party brokers, payment providers, or postal services.
• Any indirect, incidental, or consequential loss or damage arising from your use of the website or services.

Nothing in these Terms limits or excludes our liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded under law.

8. Privacy and Data Protection

Your personal information will be collected, stored, and processed in accordance with our Privacy Policy. By using our website and services, you consent to such processing.

9. General

9.1 Changes to Terms

We may amend these Terms at any time by posting an updated version on the website. Continued use of the website constitutes acceptance of the revised Terms.

9.2 Governing Law

These Terms are governed by the laws of England and Wales. Any disputes arising out of these Terms will be subject to the exclusive jurisdiction of the courts of England and Wales.

9.3 Contact

For questions or concerns about these Terms, please contact us.