LEGAL

NBL Financial Management Ltd are incorporated in England and Wales, with company number 04056667, registered at 14 Miller Court, Severn Drive, Tewkesbury, Gloucestershire, GL20 8DN.

Authorised & regulated by the Financial Conduct Authority. FCA Number 223936.

1. We do our best to ensure that the website operates properly at all times, but we make no warranties as to the availability or accessibility of the website, and (save as otherwise set out in these terms and conditions) we will not be liable for any damages, loss, costs or expenses incurred by you as a result of any lack of availability or accessibility of the website.
2. Nothing within these conditions operates so as to exclude, limit or restrict our liability for death or personal injury.
3. Where you deal as a consumer, nothing in the above exclusions affects your statutory rights.
4. All Intellectual Property Rights and goodwill in or relating to the contents of the website belong to either ourselves, to our group or to our suppliers.

© NBL Financial Management. All rights reserved. “NBL“, “NBL Financial Management”, the NBL logo, NBL Financial Management logo are trademarks of NBL Financial Management.

Please read this information carefully. Access to this website is confirmation that you have understood and agreed to be bound by the following terms and conditions.

This website and the information provided on it are for the use of permanent residents of the United Kingdom only.

NBL controls and operates this website from the UK and the information delivered via the website is deemed to have been delivered in the UK. NBL  makes no representation that the material contained is appropriate or available for use in other locations outside the United Kingdom.

The information published on this website is provided as a convenience to visitors and should be used for information purposes only and is subject to change without notice. None of the information contained in this website constitutes financial or other professional advice in any way. If you require additional information, you should contact one of our personnel.

While we use reasonable efforts to ensure that the information contained on this website is current and accurate at the date of publication, no warranties are made, either expressed or implied, as to reliability, accuracy or completeness of the information. We accept no liability for any loss arising directly or indirectly from the use of or action taken in reliance on such information. These documents should not be copied, reproduced or redistributed, in whole or in part.

No warranty is given as to the freedom of this website from errors, defects, viruses, malicious programs or macros. Links from this website exist for information only and we accept no responsibility or liability for the information contained on any such site. The existence of a link to another website does not imply or express endorsement of its provider, product or services by NBL. Links to this website are not permitted without our prior written consent. Please note that clicking on links to external websites will cause you to leave this website.

Our legal obligations and pricing policy are presented in our Private Client Agreement.

NBL Financial Management Limited is regulated by the Financial Conduct Authority and you can see our details on the FCA register – NBL Financial Management Limited.

Costs and charges are illustrated in our Private Client Agreement. We present various options to encompass all types of transactions no matter your need.

As standard we carry significant professional indemnity insurance so if things go wrong our clients are protected from mishap and have recourse. How to make a complaint is detailed in the Private Client Agreement. Should our company or our PI fail you have further protection from the Financial Services Compensation Scheme (FSCS).

In the event of a dispute you may refer any complaint to the Financial Ombudsman Service (FOS). However to be clear you first need to complain to us. We will always do our best to resolve any issues amicably but you can then go to FOS if you disagree with our final decision.

www.nblfm.com is the official site operated by NBL.

To contact us, please email or telephone our customer service line on +44 (0)1233 664867.

You may use the NBL Website only if:

You are 18 years of age; and

Capable of forming a binding contract with NBL; and

Not barred from using the Website under any applicable law.

By Downloading or Otherwise Using the Website You

Warrant that you are of 18 years of age; and

And possess the legal authority to enter into these terms and the terms of Website Use; and use the Website in accordance with these terms and the terms of Website Use. By Using Our Site You Accept These Terms

By using our site, you confirm that you accept the terms of this policy and our terms of Website Use and that you agree to comply with them. If you do not agree to these terms, you must not use our site. We recommend that you print a copy of these terms for future reference.

We amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time. These terms were most recently updated on 28 July 2022.

You may use our site only for lawful purposes.

You may not use our site:

In any way that breaches any applicable local, national or international law or regulation.

In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.

For the purpose of harming or attempting to harm minors in any way.

To bully, insult, intimidate or humiliate any person.

To send, knowingly receive, upload, download, use or re-use any material which does not comply with our content standards.

To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).

To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.

You also agree:

Not to reproduce, duplicate, copy or re-sell any part of our site in contravention of the provisions of our terms of website use.

Not to access without authority, interfere with, damage or disrupt:

any part of our site;

any equipment or network on which our site is stored;

any software used in the provision of our site; or – any equipment or network or software owned or used by any third party.

Interactive Services

We may from time to time provide interactive services on our site, including, without limitation:

Chat Rooms & Bulletin Boards

Where we do provide any interactive service, we will provide clear information to you about the kind of service offered, if it is moderated and what form of moderation is used (including whether it is human or technical).

We will do our best to assess any possible risks for users (and in particular, for children) from third parties when they use any interactive service provided on our site, and we will decide in each case whether it is appropriate to use moderation of the relevant service (including what kind of moderation to use) in the light of those risks. However, we are under no obligation to oversee, monitor or moderate any interactive service we provide on our site, and we expressly exclude our liability for any loss or damage arising from the use of any interactive service by a user in contravention of our content standards, whether the service is moderated or not.

The use of any of our interactive services by a minor is subject to the consent of their parent or guardian. We advise parents who permit their children to use an interactive service that it is important that they communicate with their children about their safety online, as moderation is not fool proof. Minors who are using any interactive service should be made aware of the potential risks to them.

Where we do moderate an interactive service, we will normally provide you with a means of contacting the moderator, should a concern or difficulty arise.

These content standards apply to any and all material which you contribute to our site (contribution), and to any interactive services associated with it. 

The Content Standards must be complied with in spirit as well as to the letter. The standards apply to each part of any Contribution as well as to its whole.

NBL will determine, in its discretion, whether a Contribution breaches the Content Standards.

A Contribution must:

Be accurate (where it states facts).

Be genuinely held (where it states opinions).

Comply with the law in any country from which it is posted.

A Contribution must not:

Be defamatory of any person.

Be obscene, offensive, hateful or inflammatory.

Bully, insult, intimidate or humiliate.

Promote sexually explicit material.

Include child sexual abuse material.

Promote violence.

Promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age.

Infringe any copyright, database right or trademark of any other person.

Be likely to deceive any person.

Breach any legal duty owed to a third party, such as a contractual duty or a duty of confidence.

Promote any illegal activity.

Be in contempt of court.

Be threatening, abuse or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety.

Be likely to harass, upset, embarrass, alarm or annoy any other person.

Impersonate any person, or misrepresent your identity or affiliation with any person.

Give the impression that the Contribution emanates from NBL, if this is not the case.

Advocate, promote, incite any party to commit, or assist any unlawful or criminal act such as (by way of example only) copyright infringement or computer misuse.

Contain a statement which you know or believe, or have reasonable grounds for believing, that members of the public to whom the statement is, or is to be, published are likely to understand as a direct or indirect encouragement or other inducement to the commission, preparation or instigation of acts of terrorism.

Contain any advertising or promote any services or web links to other sites.

Breach of This Policy

When we consider that a breach of this acceptable use policy has occurred, we may take such action as we deem appropriate.

Failure to comply with this acceptable use policy constitutes a material breach of the terms upon which you are permitted to use our site, and may result in our taking all or any of the following actions:

Immediate, temporary or permanent withdrawal of your right to use our site.

Immediate, temporary or permanent removal of any contribution uploaded by you to our site.

Issue of a warning to you.

Legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach.

Further legal action against you.

Disclosure of such information to law enforcement authorities as we reasonably feel is necessary or as required by law.

We exclude our liability for all action we may take in response to breaches of this acceptable use policy. The actions we may take are not limited to those described above, and we may take any other action we reasonably deem appropriate.

Please note that these terms of use, their subject matter and their formation, are governed by the laws of England and Wales and you and we both agree that the courts of England and Wales will have exclusive jurisdiction.

The promoter is NBL Financial Management.

The competition is open to anyone 18 years or over except employees of NBL and their close relatives and anyone otherwise connected with the organisation or judging of the competition.

There is no entry fee and no purchase necessary to enter this competition.

By entering this competition, an entrant is indicating his/her agreement to be bound by these terms and conditions.

The route to entry for the competition is to like the post on our Facebook Page, connections on LinkedIn, follows on Instagram and/or Twitter.

Any additional action (including sharing a post, re-tweeting, commenting, watch party, tagging, etc) are done at the entrant’s discretion and do not impact the outcome of the giveaway.

We will at no point contact any entrant via Direct Message to say they have won the giveaway and ask for a payment. We may ask for an additional action (including sharing a post, re-tweeting, commenting, watch party, tagging, etc).

Please do not give any billing information via messenger on Facebook to anyone who might try and pass off as an employee of NBL Financial Management.

We have the right to allow more than one entry per competition at times. We will notify specifically if this is the case.

By entering this competition, an entrant is indicating his/her agreement to be bound by these terms and conditions. Closing date for entry will be stated in the email, post, tweet, article, page or other marketing activity. After this date, then no further entries to the competition will be permitted.

No responsibility can be accepted for entries not received for whatever reason.

The rules of the competition and how to enter are clearly stated in the email, post, tweet, article, page or other marketing activity.

The promoter reserves the right to cancel or amend the competition and these terms and conditions without notice in the event of a catastrophe, war, civil or military disturbance, act of God or any actual or anticipated breach of any applicable law or regulation or any other event outside of the promoter’s control. Any changes to the competition will be notified to entrants as soon as possible by the promoter.

The promoter is not responsible for inaccurate prize details supplied to any entrant by any third party connected with this competition.

The prize will be clearly stated in the email, post, tweet, article, page or other marketing activity. The prize is as stated and no cash or other alternatives will be offered. The prizes are not transferable. Prizes are subject to availability and we reserve the right to substitute any prize with another of equivalent value without giving notice. 

Winners will be chosen at random via the software platform that we will share if anyone wants to know more. The winner will be notified by us and within 28 days of the closing date. If the winner cannot be contacted or do not claim the prize within 28 days of notification, we reserve the right to withdraw the prize from the winner and pick a replacement winner.

The promoter will notify the winner when and where the prize can be collected.

The promoter’s decision in respect of all matters to do with the competition will be final and no correspondence will be entered into.

The competition and these terms and conditions will be governed by law and any disputes will be subject to the exclusive jurisdiction of the courts.

The winner agrees to the use of his/her name and image in any publicity material, as well as their entry. Any personal data relating to the winner or any other entrants will be used solely in accordance with current UK data protection legislation and will not be disclosed to a third party without the entrant’s prior consent. See our full privacy policy on this website.

Entry into the competition will be deemed as acceptance of these terms and conditions. This promotion is in no way sponsored, endorsed or administered by, or associated with, Facebook, Twitter, Instagram, LinkedIn or any other Social Network. You are providing your information to NBL Financial Management and not to any other party. The information provided will be used in conjunction with the privacy policy found on our website.

This statement applies to content published on NBL website.

We want as many people as possible to be able to use our website.

Our websites accessibility must take into account:

– All text to be readable.

– Ability to zoom in up to 300% on a webpage without the text spilling off the screen.

– Navigate as much of the website using just a keyboard or screen.

– Navigate as much of the website using speech recognition software.

– Listen to most of the website using a screen reader (including the most recent versions of JAWS, NVDA and VoiceOver). 

How accessible this website is

Some parts of our website are not fully accessible. For example:

– PDF documents can not be made fully accessible to all screen reader software.

– Videos are embedded from YouTube and may feature labelling from YouTube itself, which could be incorrect or not sufficiently descriptive. 

Include in your email the web address of the content (specific URL) and the format you need. For example:

– Accessible PDF

– Large print

– Easy-read version

– Audio

– Braille

AbilityNet has advice on making your device easier to use if you have a disability.

How to use your web browser to modify the NBL website

Web browsers that allow font and colour changes:

– Safari

– Chrome

– Firefox

– Microsoft Edge

– Brave

– Opera

Edit your accessibility features (fonts, sizes, colours, etc) via your operating system:

– In Windows, open the Settings application, then click Ease of Access.

– In Windows 8 and below, open the Control Panel app, then select Ease of Access.

– In macOS, open System Preferences application, then click Accessibility tab.

– For earlier Mac operating systems, open System Preferences application, then click Universal Access tab.

– For Android operating systems, open the Settings application, then the Accessibility section.

– For iOS devices, open the Settings application, then the General section.

Edit your accessibility features on your web browser:

– For Safari, click on File or Safari, then select preferences.

– For Chrome, Firefox, Brave and Opera select Settings (settings are found within the ellipses panel).

– For Microsoft Edge, select Settings from the top of the browser window.

Use zooming to increase font sizes:

– In Windows, zoom in by pressing Ctrl and +, zoom out by pressing Ctrl and -.

– In macOS (and older Mac operating systems), zoom in by pressing Command and +, zoom out by pressing Command and -.

Compliance guidelines

This website is compliant with the web content accessibility guidelines version 2.1 AA standard.

PDF Content

PDFs and other document types may not be suitable for users of assistive technology. PDFs can be saved and be used with assistive technology.

Video Content

Videos are embedded within the site from YouTube or Video. Both video media sites have closed captions and subtitles.