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Terms and Conditions

Please read these terms and conditions carefully before viewing this website. Together with our privacy and cookies policy they govern our relationship with you in relation to this website.

SPwrap and SPwrap.com are trading names of Meteor Asset Management Limited.

These Terms and Conditions constitute an agreement between you (the user) and Meteor relating to your use of the website. By accessing this website and the contents available to you, you agree that you have read and agreed to these Terms and Conditions (as presented herein and as updated from time to time).

Unless otherwise specified, the content on this website is directed solely at those who access it from the United Kingdom. We make no representation that the content of the website is appropriate or available for use by any other users.

Unless otherwise specified all content and materials published on the website are presented for use by individuals and professional advisers There is a section of the website that is solely for the use of authorised financial advisers and the information therein must not be used or relied upon by private investors. Total responsibility and risk for use of the website and use of available content remains with the user. The information given on the website is for information only and does not constitute investment, legal, accounting or tax advice, or a representation that any investment or service is suitable or appropriate to individual investors.

Meteor does not offer investment, tax, accounting and legal or regulatory advice and assumes no liability whatsoever in connection with use of this website or the information provided. Prospective investors should consult with their professional advisers.

The information contained within this website does not constitute a financial promotion, an offer to sell, the solicitation of an offer to buy or sell, or any form of professional advice.

We reserve the right to correct, alter, suspend or remove any content of the website at any time without notice.

We may alter these Terms and Conditions at any time without notice and post the new version on the website, following which all use of the website will be governed by that revised version.

You should check these Terms and Conditions regularly and thoroughly.

These Terms and Conditions shall be governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the jurisdiction of the Courts of England and Wales, to which each party submits.

Considerable care has been taken to ensure the information contained within this website is accurate and up-to-date, however no warranty is given as to the accuracy or completeness of any information and no liability is accepted for any errors or omissions in such information.

You agree that we shall not be liable in contract, tort or otherwise howsoever arising out of or in connection with these Terms and Conditions or your use or inability to use the website for any direct, indirect or consequential loss or damage including without limitation for any loss of data, profit, use or revenue (in each case whether direct or indirect) provided that nothing in these Terms and Conditions shall be construed as to limit our liability for death or personal injury caused by our negligence or for our fraud.

You agree that you shall not attempt to interfere with the proper working of the website and, in particular, you shall not attempt to circumvent security, tamper with, hack into, or otherwise disrupt any computer system, server, website, router or any other Internet connected device relating to the website.

This website may not be reproduced (in whole or in part), transmitted (by electronic means or otherwise), modified, linked to or used for any public or commercial purpose without the prior written permission of Meteor.

You may print or download materials from this website for your own personal, non-commercial use provided that :

  • No materials are modified in any way;
  • No graphics are used separately from accompanying text;
  • Our copyright and trade mark notices appear in all copies and you acknowledge this website as the source of the material;
  • If you have our permission to provide these materials to another person, you ensure they are made aware of these restrictions.

Risk Warnings

Full details of specific risks which may apply will be detailed in the product brochure for each plan and should be read and fully understood before investing. Tax reliefs available under current UK legislation may change and their availability and value depend on individual circumstances. You should always consult a specialist tax adviser for further information before proceeding with a transaction.

Linked sites
On the website you may be offered various links to other sites which we hope will be informative. We do not, however, accept any responsibility for the content of those sites, the owners of which do not necessarily have any association, commercial or otherwise with us. It is your responsibility to check the Terms and Conditions and privacy policy on any other website you visit.

Copyright
All copyright and other intellectual property rights in the content, design and layout of this website is owned by us or our licensors. All rights are reserved. You may copy electronically and print in hard copy portions of the website solely for your non-business related purpose of using the website to seek information of the kind shown by the website. Any other use of any materials or content on the website (including reproduction for purposes other than that noted above, amendment, updating, distribution or republication) without our prior written consent is prohibited.

By proceeding, you acknowledge that you have read, understood and agree to these terms and any additional terms and conditions described on individual pages of the website. If you do not accept these Terms and Conditions, please do not continue to use or access any pages of this website.

Accessibility

The SPwrap.com website has been designed and developed to W3C Guidelines and has been authored to HTML 5 and CSS 3 standards.

The pages on our website have Single A compliance as per guidelines within the Web Accessibility Initiative (WAI).

If you wish to give us your feedback on our website's accessibility then please email us at info@spwrap.com and we will be happy to answer any queries you have.

Privacy Policy and Cookies

SPwrap and SPwrap.com are trading names of Meteor Asset Management Limited.

Meteor is committed to protecting the privacy rights of all visitors to the website and keeping all personal information secure. This privacy policy applies to individuals, financial advisers and other users.

When you use our website, you agree to us collecting and using personal information and this privacy policy explains how we collect and use your personal information.

We will never release information about our customers or business partners to any other person or organisation unless we have your permission or are permitted or required by law to do so. The Data Protection Act 1998 sets out your rights as a consumer in respect of information held about you by businesses.

We have set out the conditions below for your information. By using the Meteor website you consent to these terms. We reserve the right to amend our Privacy Policy at any time, without prior notice. Any modification will take effect immediately by the modified agreement being displayed. You agree to check this Privacy Policy regularly for modifications and additions. However, this shall not affect your rights in relation to your personal data, which we explain below.

Who will hold your information?
Meteor Asset Management Limited (MAM) and Meteor Investment Management Limited (MIM) will hold information. The organisation which holds the information is known as the "Data Controller" because it has control over and responsibility for your personal information.

What information will be held?
The information about you which we will hold may include personal details such as your name, address, telephone number, and e-mail address. We will not hold more information about you than we need to for purposes for which it is processed. The information we hold about you will not be kept for longer than is necessary for purpose or as required by regulation.

How do we get this information?
We receive information directly from you when you register voluntarily as a user. In order to help us keep your information up to date we may periodically ask you to provide details of any changes in your information.

What will you do with the information?
We may use your information for a number of purposes, as outlined below:

  • The provision of our services to you;
  • To administer and maintain our records;
  • To put together statistics for assessment and analysis;
  • To deal with any questions you ask us;
  • To supply you with any associated materials;
  • To let you know about other products and services we offer.

We may make your personal and financial information available:

  • To Associated Companies (as defined in Section 416 of the Income and Corporation Taxes Act 1988) to process this application (we or they may contact You by mail, phone or Email with products or services that may interest You);
  • To your financial adviser by Email or other means, including a secure internet service;
  • As we are obliged to under the requirements of any law, regulation or court order that we must follow;
  • To You if You ask and in line with the Data Protection Act 1998;
  • To transfer the data to third party service providers and agents;
  • To transfer the data outside of the European Economic Area e.g. to a low cost processor or for IT back-up purposes;
  • To use the data for fraud prevention and anti-money laundering purposes.

Is the information you hold on me secure?
The security levels in place are appropriate to the nature of the data and the damage or detriment that might result from a breach of security. Please bear in mind that all publicly accessible websites are susceptible to malicious practices, and we do not accept liability if security is breached.

What are my rights?
You are entitled to: -

  • Have access to your personal data. You may write to us at the address shown below and request details of the information we hold on you and why we hold it. We will provide this information within 30 days of your request. We may charge you a reasonable fee, as allowed for in the Data Protection Act 1998, for this information;
  • Ask us, in writing not to start to use, or to stop using, the information for the purpose of direct marketing i.e. the communication to you by mail, phone or e-mail of any advertising or marketing material;
  • Ask us to ensure that we do not base any material decisions on you solely on the basis of the automated processing of your information;
  • Apply to ask for any inaccurate personal information held by a court to be rectified, blocked, destroyed, or erased.

Use of cookies
We use tools such as cookies which are small strings of text that a website can send to your browser. A cookie cannot retrieve any other data from your hard drive, pass on computer viruses, or capture your email address. Meteor may use cookies only to store information for the purpose of identifying whether the user is registered on the Site and to shortcut the access to the Site. We may also place cookies and similar files on your hard drive for purposes such as security, to facilitate site navigation, to personalise your experience on our site and to help us understand which parts of our websites are the most popular, where our visitors are going, and how much time they spend there. These cookies do not identify you by name as an individual or by account number.

The cookies that we use have a set expiration date of 90 days. This means that every 90 days, users will be required to read and agree to our Terms and Conditions before using the site. Reminders of Risk warnings and information relating to our Privacy Policy will also run on a 90 day cycle.

To enable or disable cookies, follow the instructions provided by your browser (usually located within the "Help", "Tools" or "Edit" facility). Alternatively, an external resource is available at www.aboutcookies.org providing specific information about cookies and how to manage them to suit your preferences. However, please be aware that disabling cookies may mean that some of our online services will not work, including administration login queries. If you do not wish to use cookies, please do not use our website.

How do I contact the Data Controller at Meteor?
You can write to the Data Protection Officer at 55 King William Street, London, EC4R 9AD

Web Disclaimer

SPwrap and SPwrap.com are trading names of Meteor Asset Management Limited (MAM).

Please be aware that:

Information on this website is not intended to be published or made available to any person in any country or jurisdiction where to do so would result in contravention of any applicable laws or regulations and, in particular, residents in the United States of America. If it is prohibited, by reason of your nationality, residence or otherwise, to make such information available in your jurisdiction or to you, such information is not directed at you;

If you ask for such information you should be satisfied that to do so will not result in any such contravention and that you are not prohibited from doing so. Any application you make should confirm that you have read this warning and that by so applying you are confirming that you are not so prohibited;

Products and services described are not available or offered where (or under terms) prohibited by applicable law or regulatory requirements. Such availability or offering may not be available to all customers or in all cases or may be available only where specifically requested and agreed upon, or may be associated with certain specific fees and conditions, and may be materially different than as described.

Information on this website may only be browsed by persons permitted by applicable law or regulatory requirements to receive such information.

MAM has provided the information on this website for general information and we believe that it is accurate at the date on which it is posted. We do not provide investment advice and would recommend that if you are considering investing you seek advice from your financial adviser, tax adviser or heir personal financial, legal and other adviser, as appropriate to your requirements. To the extent permitted by applicable law or regulatory requirements we disclaim any liability for errors, inaccuracies or omissions on this website and for any loss or damage resulting from its use, whether caused by negligence or otherwise. You agree to assume responsibility for deciding whether any legal or regulatory considerations should limit access to or use of information, services or products described in this website and your use of any of the information. The website may, from time to time, contain links to external websites we feel might be if interest. We will let you know when you leave our website and will confirm that do not have any responsibility for the information on such 3rd party sites.

Please note the following with regard to The Computer Misuse Act 1990 (The Act)

A person is guilty of an offence under this Act if he or she

Causes a computer to perform any function with intent to secure unauthorised access to any program or data held in any computer;

Knows at the time when he/she causes the computer to perform the function that this is the case, even if the unauthorised action is not directed at a specific program or data, or a program or data of any particular kind; or a program or data in any particular computer.

Attempts such unauthorised access irrespective of whether the motives for access were well-meaning or malicious.

Causes unauthorised modification of computer material.

Access to any program or data held in a computer system is a wide definition and includes altering/erasing the program or data, copying it, moving it, using it and obtaining output from the computer in which it is held. Examples of such offences could include unauthorised use of another person's username and password, persistently trying to determine a username and password, and trying to obtain a password or password file by deceit. The Act imposes financial and/or custodial penalties on persons found guilty of breaking the law.

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