PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING OUR PORTAL

What's in these terms?

These terms tell you the rules for using our web portal (https://ljmu.financialwellbeing.online/).

Who we are and how to contact us

Our Portal is operated by Planned Future Seminars Ltd. (“We”). We are registered in England and Wales under company number 9367736 and have our registered office at Aldford House Bell Meadow Business Park, Park Lane, Pulford, Chester, Cheshire, England, CH4 9EP (which is also our main trading address).

We are a limited company.

To contact us, please email enquiries@plannedfuture.co.uk

By using our Portal you accept these terms

By using our Portal, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms, you must not use our Portal.

We recommend that you print a copy of these terms for future reference.

There are other terms that may apply to you

These terms of use refer to the following additional terms, which also apply to your use of our Portal:

We may make changes to these terms

We amend these terms from time to time. Every time you wish to use our Portal, please check these terms to ensure you understand the terms that apply at that time.

We may make changes to our Portal

We may update and change our Portal from time to time.

We may suspend or withdraw our Portal

We do not guarantee that our Portal, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our Portal for business and operational reasons.

You must keep your account details safe

If you are provided with a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party nor allow any third party to access our Portal using any such information.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.

How you may use material on our Portal

We are the owner or the licensee of all intellectual property rights in our Portal, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

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

You must not use any part of the content on our Portal 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 Portal in breach of these terms of use, your right to use our Portal will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Do not rely on information in the Portal

The content on our Portal is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our Portal.

Such content is provided for informative and educational purposes only and does not constitute (nor should it be relied upon as) advice (whether financial or otherwise).

Although we make reasonable efforts to update the information on our Portal, we make no representations, warranties or guarantees, whether express or implied, that the content on our Portal is accurate, complete or up to date.

We are not responsible for websites we link to

Where our Portal contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.

We have no control over the contents of those sites or resources.

Our responsibility for loss or damage suffered by you

Whether you are a consumer or a business user:

  • We do not exclude or limit in any way our liability to you 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.

If you are a business user:

  • We exclude all implied conditions, warranties, representations or other terms that may apply to our Portal or any content on it.
  • We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
    • use of, or inability to use, our Portal; or
    • use of or reliance on any content displayed on our
  • In particular, we will not be liable for:
    • loss of profits, sales, business, or revenue;
    • business interruption;
    • loss of anticipated savings;
    • loss of business opportunity, goodwill or reputation; or
    • any indirect or consequential loss or

If you are a consumer user:

Please note that we only provide our Portal for domestic and private use. You agree not to use our Portal for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

How we may use your personal information

We will only use your personal information as set out in our https://portal.thefinancialwellbeing.com/privacy-policy/.

We are not responsible for viruses and you must not introduce them

We do not guarantee that our Portal will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform to access our Portal. You should use your own virus protection software.

You must not misuse our Portal by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Portal, the server on which our Portal is stored or any server, computer or database connected to our Portal. You must not attack our Portal via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Portal will cease immediately.

Rules about linking to our Portal

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link to our Portal in any website that is not owned by you.

Our Portal must not be framed on any other site, nor may you create a link to any part of our Portal other than the home page. We reserve the right to withdraw linking permission without notice.

Which country's laws apply to any disputes?

If you are a consumer, please note that these terms of use, their subject matter and their formation, are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

If you are a business, these terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.