The Finance, Investment and Business Glossary - Website Terms

These terms and conditions ("Website Terms") apply to your use of this website ("Website"). Please read them carefully and if you have any questions or issues, please contact us.

Please note that this Website presents information based on UK data unless otherwise specified. While much of this information may be relevant to people outside the UK, please check definitions, terminology and meanings within your own legal jurisdiction before relying on the information presented here. None of the information on this Website constitutes an offer to contract in any country in which it is available including the UK. These Website Terms are in addition to any formal contractual terms which you may enter with us, and in the event of any conflict between these Terms and any formal contractual terms, the terms and conditions of the formal contract shall prevail. In addition, any specific products or services acquired will be subject to their own specific terms and conditions with the relevant product provider.

The information and software tools on the web site are made available to assist users in understanding their own finances.

This Website is owned by Steve Gears Associates

This Website may also contain hypertext links to, or information from, websites operated by third parties (persons or companies other than Steve Gears Associates). Where the Website includes any such information and/or links these are for information purposes only and Steve Gears Associates does not make any representation whatsoever about any such link, website or content. The responsibility for the operation and content of those services shall rest solely with the third party, and will be governed by their own separate terms and conditions. Steve Gears Associates does not accept any responsibility for the content of, or your use of any website, product or service which is accessed via a hypertext link from this Website.

Nothing contained in this Website is a promise that any party including Steve Gears Associates will sell any product/service for any purpose or price or on any specific terms.

If you have a dispute with one or more third parties, you agree to release and hereby release Steve Gears Associates (and our officers, directors, agents, subsidiaries, affiliates, employees, successors, assigns, content providers and service providers) from claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of, or in any way connected with such disputes.

Availability and Access

Steve Gears Associates does not warrant that this Website is free of viruses, worms, Trojan Horses or technical defects of any description, or accepts responsibility for any technical problems arising from your use of this Website. Steve Gears Associates will endeavour to ensure that this Website is accessible for 24 hours a day but will not be liable if for any reason the Website is unavailable for any time or for any period.

Steve Gears Associates will have the right to suspend access to the Website (or to any part of it) temporarily or permanently and without notice. At any time, access to and use of certain parts of this Website may be restricted to registered users, to which further terms governing access may apply. When applicable, such terms shall be drawn to your attention during the registration process. Steve Gears Associates may, at our sole discretion refuse to register a user or to provide access to certain parts of the Website to certain users, without providing reasons for doing so.

We may deny you access to all or part of these services without prior notice if you engage in any conduct or activities that we determine, at our sole discretion, is a violation of this Agreement, our rights, or any third parties rights, or is otherwise deemed inappropriate.

Information Only Website

The information contained on this Website is provided for general information purposes only and should not be regarded as constituting specific advice or recommendations (professional or otherwise). Steve Gears Associates will use reasonable care and skill to ensure that information contained on this Website is accurate at the date of publication. However, because of the nature of the internet, the financial services industry and it's regulatory environment, information on the Website may not always be accurate or complete. Those visitors viewing this website from outside the UK should not rely on this information for use in their own countries, due to the differing laws and regulations likely to be applied to financial services in countries other than the UK.

Amendments of Website Information

Steve Gears Associates reserves the right to make amendments and changes to the information on the Website and any references to details of terminology, definitions, guides, other informational material, products or services, including pricing, are subject to change without notice.

Variation of these Terms

Steve Gears Associates reserves the right to make amendments and changes to these terms and conditions without notice to you from time to time to reflect changes in market conditions affecting Steve Gears Associates, changes in technology, changes in relevant laws and regulatory requirements, and any other changes.

Any such amendment shall be effective once the revised terms and conditions have been posted on the Website.


Please remember that because of the nature of the internet, the security of information submitted via contact forms or emails cannot be guaranteed. There is no guarantee that any emails sent will be received by us.


All warranties, conditions, representations and terms, whether express or implied by statute, common law or otherwise, with respect to this Website and its content, including but not limited to implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy are excluded from these Website Terms to the extent that they may be excluded as a matter of law. Further, Steve Gears Associates does not warrant that the Website will be uninterrupted or error free or that any defects will be corrected.

To the fullest extent permitted by law Steve Gears Associates shall not be liable (whether in contract or tort, including negligence or breach of duty, or otherwise) for any damage, loss or liability sustained or arising out of or in connection with:

  • Your use of the Website;
  • Your reliance on or your inability to use the information contained on this Website; or
  • Any failure or performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, worm, Trojan Horse, or system failure, unavailability or suspension to this Website, including, without limitation, loss of profits, loss of income, loss of anticipated savings, loss of revenues, loss of data, loss of goodwill or loss of contracts or business (in each case whether direct or indirect) nor for any indirect, economic, consequential or special loss resulting from whatever cause.

To the extent permitted by applicable law, Steve Gears Associates expressly disclaims all liability howsoever arising whether in contract, tort (or deceit) or otherwise (including, but not limited to, liability for any negligent act or omissions) to any person in respect of any claims or losses of any nature, arising directly or indirectly from:

  • Anything done or the consequences of anything done or omitted to be done wholly or partly in reliance upon the whole or any part of the information of this Website.
  • The use of any data or materials on this Website or unauthorised access to this Website or otherwise.

Steve Gears Associates will not accept responsibility for any breach of these Website Terms caused by circumstances beyond our reasonable control. Nothing in these terms and conditions shall exclude our liability for death or personal injury resulting from our negligence. You shall be liable for and shall indemnify Steve Gears Associates and/or, where applicable our subsidiaries, officers, directors, agents, licensors, successors and assigns from against any and all claims, actions, liabilities, losses, damages and expenses (including legal expenses) of any kind which arise out of or in connection with, directly or indirectly your breach of these Terms.

We accept no Liability to you arising out of any misuse or unauthorised use of information and/ or other material posted on our web sites.

Copyright and other Intellectual Property Rights

Steve Gears Associates own the copyright and all intellectual property rights existing on or within this Website (including but not limited to all database rights, registered and unregistered trade marks, service marks, logos, and software created by us). Nothing in the Website shall confer on any person any licence or right with respect to any such intellectual property. Steve Gears Associates name may not be used in any way, including in advertising or publicity pertaining to distribution of Information without our prior written consent.

The images, logos and names on the Website which identify Steve Gears Associates, or a provider of products or services from time to time are the proprietary marks of those identified. Nothing in the Website shall confer on any person any licence or right with respect to any such image, logo or name.

You are not permitted to download print redistribute or extract any information from this Website other than for your personal non-commercial use. You are not permitted to reproduce copy, redistribute, modify or in any way change any of the information available on this Website. You agree to indemnify and keep indemnified, Steve Gears Associates, their officers, directors, agents, licensors, successors and assigns against all liabilities, claims, losses, costs, damage and expenses including legal fees incurred by Steve Gears Associates should you breach any of the terms of this section (Copyright and other Intellectual Property Rights).

Data Protection and Privacy

Any personal information you supply to Steve Gears Associates via this Website will be treated in accordance with the Data Protection Act 1998.

Advertisements appearing on our web site for third party products and services are delivered to you by external providers. If you chose to visit a third party web site, you will be subject to the third party privacy policy which you should review on the third party web site.

Cookies and user tracking technology: Steve Gears Associates may use tracking technology to enhance the user experiance or to provide other useful services to the user. We do not gather personal information about any identifiable individual. Third-party advertisers may also place their own unique cookie or tracking technology on your browser. If you are concerned about how this may affect your personal privacy, you should refer to the third-parties privacy policy. If you are concerned about cookies being stored on your computer, most browsers have an option to disable cookies.


Applicable laws may require that certain information or communications be in writing. When using the Website, you accept and agree that communication with Steve Gears Associates may be electronic. Steve Gears Associates may contact you by email or provide you with information by posting notices on this Website. For any contractual purposes, you agree to electronic means of communication and you acknowledge that all contracts, notices,information and other communications that Steve Gears Associates provides to you electronically comply with any legal requirements that such communication be in writing. This provision does not affect your statutory rights.


If any of these terms and conditions are determined to be illegal, invalid or otherwise unenforceable by reason of the laws of England and Wales, then to the extent of such illegality, invalidity or unenforceability, in relation to such state or country only, such terms or conditions shall be deleted and severed from these terms and conditions and the remaining terms and conditions shall survive in full force and effect.


If Steve Gears Associates fails at any time to insist upon strict performance of any of your obligations under these Website Terms, or if Steve Gears Associates fails to exercise any of its rights or remedies to which we are entitled under these Website Terms, this shall not constitute a waiver of such rights or remedies and shall not relieve you from compliance with such obligations.

Entire Agreement

These Website Terms set out the whole of Steve Gears Associates agreement relating to your use of this Website.

Applicable Law

Steve Gears Associates has established this Website in England. English Law shall govern its use at all times and in the event of a dispute the parties shall irrevocably submit to the exclusive jurisdiction of the English Courts.

Contacting Us

Questions, comments and requests are welcomed and you can get in touch by clicking here.

Sponsors Advertising

Copyright © Steve Gears Associates. All rights reserved. No portion of this site may be reproduced without written permission. All Trademarks are freely acknowledged.The information on this site is based on UK data unless otherwise indicated. Non-UK visitors should check with experts within their own legal jurisdiction before relying on information presented here.

Website Terms of Use |  Other Resources |  Site Map