Website Terms & Conditions

 1. About Us

This website is operated by Munro Ogilvie Ltd, a company registered in England and Wales.

Registered Office: 22 Bower Road, Harrogate, HG1 5BW

Company Number: 129379920

Email: hello@munro-ogilvie.com

By using this website, you agree to comply with and be bound by these Terms & Conditions.

If you do not agree with these terms, you must not use this website.

2. Use of This Website

You agree to use this website:

• For lawful purposes only
• In a way that does not infringe the rights of others
• In a way that does not damage, disable or impair the website

You must not attempt to gain unauthorised access to any part of the website, server, or connected systems.

3. No Financial Advice

The content on this website is provided for general information purposes only.

Nothing on this website constitutes:

• Financial advice
• Investment advice
• Legal advice
• Tax advice

You should seek independent professional advice before making financial decisions.

Use of this website does not create a client relationship between you and Munro Ogilvie Ltd.

A formal engagement agreement must be signed before services are provided.

4. Services

Details of our services are provided for information purposes only and do not constitute a binding offer.

Any services provided will be subject to:

• A separate written agreement
• Defined scope of work
• Agreed fees and payment terms

We reserve the right to refuse service where appropriate.

5. Payments

Where payments are made through the website:

• Payments are processed via secure third-party providers
• We do not store full card details
• You agree to provide accurate billing information

Fees for services will be set out in a separate client agreement.

6. Intellectual Property

All content on this website, including:

• Text
• Graphics
• Logos
• Branding
• Layout
• Documents

is the property of Munro Ogilvie Ltd unless otherwise stated.

You may:

• View and download content for personal use only

You may not:

• Reproduce
• Distribute
• Modify
• Republish

without our written permission.

7. Limitation of Liability

To the fullest extent permitted by law:

Munro Ogilvie Ltd shall not be liable for:

• Any loss arising from reliance on website content
• Indirect or consequential losses
• Loss of profits, business, or opportunity

We do not guarantee that the website will be uninterrupted, secure, or error-free.

Nothing in these Terms excludes liability for:

• Death or personal injury caused by negligence
• Fraud or fraudulent misrepresentation
• Any liability that cannot be excluded under UK law

8. Website Availability

We may:

• Update or modify content at any time
• Suspend or withdraw the website without notice

We are not liable if the website is unavailable for any period.

9. Links to Third-Party Websites

This website may contain links to external websites.

We:

• Have no control over third-party websites
• Accept no responsibility for their content
• Do not endorse any linked website

You access third-party websites at your own risk.

10. Privacy and Cookies

Use of this website is also governed by our:

• Privacy Policy
• Cookie Policy

Please review these documents to understand how we process personal data.

11. Safeguarding and Vulnerable Individuals

As we may work with elderly or vulnerable individuals:

• We take safeguarding responsibilities seriously
• Website communications do not replace formal safeguarding procedures
• Concerns  relating to welfare or financial abuse should be raised directly with us or relevant authorities

12. Governing Law

These Terms & Conditions are governed by the laws of England and Wales.

Any disputes arising from use of this website shall be subject to the exclusive jurisdiction of the courts of England and Wales.

13. Changes to These Terms

We may update these Terms & Conditions from time to time.

The latest version will always be published on this website.