We reserve the right to update or amend this Disclaimer and these Terms of Use at any time and your continued use of the website following any changes shall be deemed to be your acceptance of such change. It is therefore your responsibility to check the Disclaimer and Terms of Use regularly for any changes.

Access to the Altior Vita LLP website is solely at the user's risk.

The website is provided on an "AS IS" and "AS AVAILABLE" basis without any representation or endorsement made and without warranty of any kind whether express or implied, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.

Accordingly Altior Vita LLP, its principals, employees, or agents, shall not be liable for any loss of profits or contracts or any other direct or indirect or consequential loss or damage arising out of or in connection with the use of such information and material or of its access on this website whether by corruption, virus or otherwise.

Altior Vita makes no warranty that the website will meet your requirements or that that the functionality of the website will be uninterrupted or error free, or that those defects will be corrected or that the website or the server that makes them available are free of viruses or anything else which may be harmful or destructive.

Altior Vita LLP EXPRESSLY DISCLAIMS ANY AND ALL GUARANTEES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING ANY GUARANTEE OF FITNESS OF THE INFORMATION OR MATERIAL FOR A PARTICULAR PURPOSE.

To the extent permitted by law, Altior Vita will not be liable for any direct, indirect or consequential loss or damage whatsoever (including without limitation loss of business, opportunity, data, profits) arising out of or in connection with the use of the website.

By accessing this website, you expressly agree to indemnify and hold Altior Vita LLP harmless from and against any breach by you of these Terms of Use and any claim or demand brought against Altior Vita LLP by any third party arising out of your use of the website and/or any Content submitted, posted or transmitted through the Services, including without limitation, all claims, actions, proceedings, losses, liabilities, damages, costs, expenses (including reasonable legal costs and expenses) howsoever suffered or incurred by Altior Vita LLP in consequence of your breach of these Terms of Use.

The content of the Altior Vita website does not constitute financial advice and is provided for general information purposes only.

The information on this website is not intended as an offer or solicitation to buy or sell securities or any other investment or banking product, nor does it constitute a personal recommendation.

The information, products, and services referred to in this website are not directed at and should not be accessed by any person or entity in any jurisdiction or country outside the United Kingdom.

The website may include links to third party websites that are controlled and maintained by others. Any link to other websites is not an endorsement of such websites and you acknowledge and agree that Altior Vita LLP is not responsible for the content or availability of any such sites.

The accuracy and timeliness of the information you get from our website is important to Altior Vita LLP and we take all reasonable measure to ensure that the information and material on our website is accurate and up-to-date.

You will appreciate, however, that we too are only human and errors and omissions may occur. Therefore, you must not take the accuracy of the information and material for granted or rely upon it as a statement or representation of fact. If you are in any doubt you should check directly with Altior Vita LLP.

The information and material on all of the pages of this website is provided as a general guide to Altior Vita LLP and the services we offer and it is not supplied for any other purpose not explicitly stated. The information and material on our website does not and is not intended to create any business, contractual or employment relationship.

• Any opinions we may express constitute our judgment at the date of writing and are subject to change without notice or warning.
• The officers and employees of Altior Vita LLP may have positions in any securities mentioned herein.
• The value of investments, and the income from them, can go down as well as up, and you may not recover the amount of your original investment.
• Past performance is not necessarily a guide to future performance.
• Where an investment involves exposure to a foreign currency, changes in rates of exchange may cause the value of the investment, and the income from it, to go up or down.
• In the case of some investments, you need to be aware that there is no recognised market for them, and that it may therefore be difficult for you to deal in them or for you to obtain reliable information about their value or the extent of the risks to which they are exposed.
• Certain investments carry a higher degree of risk than others and are, therefore, unsuitable for some investors.
• It may be possible to lose all your initial capital in certain types of investments.
• Before contemplating any transaction, you must consider whether you require financial advice, which we would be pleased to provide upon request.
• Not all investments are covered by the protection offered by the UK Financial Services Compensation Scheme (FSCS).

Full details of the FSCS can be found at wwwfscs.org.uk, the main provisions of which are limited to 100% of the first £50,000 for investments and residential mortgages and up to 90% of the claim for non compulsory life and general insurance.

Altior Vita has no control over the use to which you may put the information and material provided on any or all of the pages of this website and cannot be held responsible for any direct, indirect, or consequential loss you may suffer as a result of that use.

Where Altior Vita LLP advises or offers advice on packaged products, it will be based upon a selection of a product, or products, from the whole market.

Where portfolios are managed by Altior Vita LLP, or its agents, each is managed to an agreed outcome objective or an agreed risk rated asset allocation to suit the needs and requirements and goals, dreams, and aspirations of each individual client.

We recommend those investments that we consider most appropriate for inclusion in each portfolio. If we recommend a particular investment for inclusion in one portfolio it does not imply that it is suitable for any other portfolio.

Tax advice which contains no investment element is not regulated by the Financial Conduct Authority. Other areas of advice which are not covered by the Financial Services Act will be clearly identified and brought to your attention.

Any levels of taxation referred to depend on the individual circumstances of the investor and the value of tax reliefs are those which currently apply.

Advice is based on our understanding or current legislation, which may be subject to change at any time, and possibly without notice.

Any advice on tax matters will be based on our understanding or the law and current practice of Her Majesty’s Revenue and Customs, which may also be subject to change at any time, and possibly without notice.

Some of our services require Access IDs, Account IDs, usernames, passwords, and/or passphrases.

You are responsible for maintaining the confidentiality of Access IDs, Account IDs, usernames, passwords, and/or passphrases and also for all activities which take place under your account.

You agree to immediately notify us of any unauthorised use of your password or account or any other breach of security. In no event will Altior Vita LLP be liable for any direct, indirect, or consequential loss or damage whatsoever resulting from the disclosure of your Access ID, Account ID, username, password, and/or passphrase. You may not use another person’s account at any time, without the express permission of the account holder. You can request that your account security be reset at anytime by sending an e-mail to security@altiorvita.com or clicking the relevant button in the service.

Whilst we take every possible precaution to prevent hacking or other misuse of this website, you acknowledge that all information, text, graphics, logos, photographs, images, moving images, sound, illustrations and other materials ("the Content"), whether posted publicly or transmitted privately, are the sole responsibility of the person from whom such Content originated and you acknowledge that by using the website you may be exposed to Content that is offensive and/or indecent. . We do not control or endorse such offensive or indecent Content and cannot guarantee the accuracy, integrity, or quality of such Content where hacking or other misuse of the website has occurred. Altior Vita LLP will not be liable in any way for any Content or for any loss or damage of any kind resulting from the use of any Content transmitted via the website and you agree to bear all risks associated with the use of any Content, including any reliance on the accuracy or completeness of such Content.

In accessing the website you agree not to:

• Use or attempt to use the Services to send junk email, spam, chain letters, pyramid schemes, or any other unsolicited messages, commercial or otherwise;
• Post or attempt to post, publish, distribute, or disseminate material or information that is defamatory, infringing, obscene, indecent, threatening, abusive, harassing, racist, or otherwise unlawful.
• Post or attempt to post, publish, distribute, or disseminate material or information that incites discrimination, hate or violence towards any person or group on account of their race, religion, creed, disability, nationality or otherwise.
• Threaten or attempt to threaten, abuse, disrupt, stalk, or otherwise violate the legal rights (including rights of privacy and publicity) of others.
• Use or attempt to use any information or material in any manner that infringes any copyright, trademark, patent or other proprietary right of any party;
• Make available or attempt to make available or upload files that contain a virus, worm, Trojan, or corrupt data that may damage the operation of the computer or property of another
• Collect or store or attempt to collect or store personal information about others, including email addresses
• Advertise or attempt to advertise or offer to buy or sell goods or services for any commercial purpose, unless such communication facility specifically allows such messages
• Impersonate or attempt to impersonate any person or entity for the purpose of misleading others
• Violate or attempt to violate any applicable laws or regulations
• Use or attempt to use the website in any manner that could damage, disable, overburden or impair the website or interfere with any other party’s use and enjoyment of the website
• Post or attempt to post, publish, distribute or disseminate material or information that you do not have a right to transmit under any law or under contractual or fiduciary relationships (such as inside information or confidential information disclosed in the course of employment or under a confidentiality agreement)
• Attempt to gain unauthorised access to any of the Services, other accounts, computer systems or networks connected to the Website through hacking, password mining, or any other means

We have no obligation to monitor the Services but shall be entitled to review materials posted to a communications facility and, at our sole discretion, to remove any material that breaches these Terms and Conditions or is otherwise objectionable.

We expressly have and retain the right to terminate your access to the website and any or all of the Services at any time, without notice, for any reason, including without limitation, breach of these Terms of Use. We may also at any time, at our sole discretion, discontinue the website or any part thereof without prior notice and you agree that we shall not be liable to you or any third party for any termination of your access to the website.

If any of these Terms of Use or Disclaimers should be determined to be invalid, illegal, or unenforceable for any reason by an English court under English law then such Term of Use or Disclaimer shall be severed and the remaining Terms of Use and Disclaimers shall survive and remain in full force and effect and continue to be binding and enforceable.

The Altior Vita website including the contents of the pages shall be governed by and construed in accordance with the law of England and Wales and is subject to the exclusive jurisdiction of the English Courts.

If you are a Citizen, Subject, or National of a country other than England, by accessing the Altior Vita site, you expressly confirm that you give up and forfeit your right to take any action against Altior Vita LLP in any legal jurisdiction other than in an English court and under English law. Specifically you forfeit your right to claim ‘Forum Non-Conveniens’ in attempting to have any case heard in a court outside England.

The information contained on this website is issued by Altior Vita LLP.

Altior Vita LLP is Authorised and Regulated by the Financial Conduct Authority. We are entered in their register under reference 515946.
www.fsa.gov.uk/register/home.do
Altior Vita is registered as a LLP in England and Wales no. OC350796. London Office 7 Grosvenor Gardens, London, SW1W 0AF.

2. Copyright Notice

This Copyright Notice is effective from 1st August 2010.

The contents of the Altior Vita LLP website and each of the pages within it (including without limitation the website design, text, graphics, and all software and source codes connected with the website) are protected by copyright, trade marks, patents and other intellectual property rights and laws. Altior Vita LLP reserves all rights in respect of this copyright and Intellectual Property.

‘Altior Vita’, ‘altiorvita’, ‘Life Blueprint’, ‘WealthLogic’ and the ‘free-bird’ logo are the property and trade marks of Altior Vita LLP.

We may grant you a licence to copy from the Altior Vita website provided you comply with the following Licence Conditions:

In all cases, the item or article must be copied in full without addition, deletion, or alteration and you must credit and quote the source as being from Altior Vita LLP.

You may print a hard copy of any item for your personal use or for use by others within your organisation.

You may download any item to a hard disk provided that such disk is accessible only by you or by others within your organisation.

You may provide a copy of any item to a third party for their personal use provided that:

• the copy identifies Altior Vita and the Altior vita web page as the source of the information or material.
• the copy includes the Altior Vita website address www.altiorvita.co.uk
• the copy is not incorporated, in whole or in part, into any other work or publication.
• you do not supply the copy for payment or other direct or indirect commercial gain.
• you notify the third party that these Licence Conditions also apply to him, her, or them and that he, she, or they must comply with them in respect of the copy.

If you wish to copy or reproduce any materials contained in the Altior Vita website in a manner not permitted by the above Licence Conditions, you must first contact us and receive or written permission.

Altior Vita LLP does not claim ownership of any materials you post, upload or submit to any area of the website. However, by doing so you are granting us a world-wide, royalty free, non-exclusive licence to copy, distribute, transmit, reproduce, publicly display, edit, translate or publish such Content for as long as you elect to display such Content via the Services. The licence shall be terminated when such Content is deleted from the Services.

3. Privacy and Confidentiality Policy

This privacy and confidentiality policy is effective from 1st August 2010.

We want you to be confident about your security and confidentiality when you deal with us. For this reason, our Privacy and Confidentiality Policy represents our commitment to the protection of your confidentiality by the detailing of fair information practices, both manual and electronic.

Any personal data obtained in the course of providing our services to you will be held and processed by us in accordance with the relevant data protection legislation.

In order to use most of this website you do not have to provide any personal information. However, by accessing, browsing and/or using the Altior Vita LLP website (the website) you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy and to comply with all applicable laws and regulations.

Please read this Privacy Policy carefully. If you do not agree to these terms, you must not use this website.

Not only because it is part of our approach to treating customers fairly, but also because we know that your privacy on the internet is very important to you, Altior Vita takes the privacy of its clients and the users of its website extremely seriously. For that reason, protecting your personal information is of the utmost importance to Altior Vita.

We will always endeavour to give 30 days notice of any change to this Privacy Policy by updating it on our website, so you will always know what information we collect, how we use it, and under what circumstances, if any, we disclose it. However, please be aware that Altior Vita may, in its sole discretion, amend this Privacy Policy at any time without notice by updating the document published on the website and quoting a new effective date.

You are responsible for periodically checking our website for changes to this Confidentiality Policy. You may opt-out of any posted change to our collection, use, or disclosure of your personal information by sending an e-mail to lifeblueprint@altiorvita.com.

If you choose to contact us or to request an ‘Initial Assessment’ or ‘Life Blueprint’ financial planning meeting or should you wish to access other features of this website that may become available from time to time, such as subscribing to e-newsletters or email notification of updates to various areas of our website, you will need to pass personal data to Altior Vita through this website or via electronic means.

If you e-mail us or provide us with personal information about you we will collect and keep that personal information in electronic or other form, however, we will not share that personal information or those email addresses with any other company or send unsolicited e-mail to any of the addresses we collect, except in very limited circumstances, such as because you have specifically requested it or as set out below.

Only personnel authorised to do so by Altior Vita are provided with access to personally-identifiable information and those personnel are required to treat this information as confidential. Despite these precautions, however, Altior Vita cannot guarantee that unauthorised persons will not be able obtain access to your personally identifiable information.

When you request information from Altior Vita and supply information that personally identifies you or allows us to contact you, you are agreeing to Altior Vita sharing that information with its employees, partners, agents, representatives, and affiliates.

We process your personal information to deal with your enquiries and requests and to market our services to you directly. If you opt to receive general mailings from us we may contact you by letter, e-mail, or telephone.

Altior Vita may aggregate personally identifiable information and may disclose such information in aggregate for marketing and promotional purposes, including the updating of this website. However, in these situations, as far as possible, we do not disclose to these entities any information that could be used to personally identify you.

We may use cookies and obtain certain types of information when your web browser accesses www.atiorvita.co.uk or www.altiorvita.com.

“Cookies” are small pieces of information that are stored by your browser on your computer’s hard drive. Our website may use cookies to store pertinent user information during a session to speed navigation and keep track of items.

The "help" portion of the toolbar on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive new cookies and how to disable cookies altogether.

As already explained, we are committed to dealing with your personal and corporate information fairly and lawfully.

We never share data with third parties, however, we may disclose personal information if you, the Client, provide prior and specific authorization to release agreed profile information to one or more specified parties or if we are required to do so by law or in the good faith belief that such action is necessary to:

• Comply with law or comply with due legal process served upon us or our agents, representatives and affiliates.
• Protect and defend our rights or property or those of our users
• Protect the personal safety of our users or the public.

When legally required to release your personal information, we will only do so after attempting to inform you of this requirement.

Personal information will be given to third parties only in so far as it is necessary to fulfil these objectives and in accordance with the Data Protection Act 1998.

This may include distribution to a third party provider of support services outside of the EEA.

As part of Altior Vita’s approach to Treating Customers Fairly, we want to keep your personal information accurate. Therefore, Altior Vita allows you to correct or change personal identifiable information collected by us by replying to any Altior Vita email.

If you contract with us for specific services, our agreement with you will also detail strict non-disclosure and confidentiality clauses. All parties to any potential transaction are required to agree to these clauses.

Altior Vita respects your commercial and personal confidence. Our Policy places you, as an individual and/or organization, in control of how your information is processed. We will not process your information, either manually or electronically in any way that is incompatible with this Policy.

This policy protects your confidentiality by informing you of:

• The types of information Altior Vita collects about you, either through our Website or during the course of our business
• How we collect that information
• The general purposes for which we collect such information
• The types of organizations to which we disclose information
• The choices you have and the means by which individuals and corporations may limit its use and disclosure.
• Assuring you that Altior Vita takes reasonable precautions to protect information from loss, misuse, unauthorized access, disclosure, alteration, or destruction
• Implements reasonable policies and procedures to ensure that any and all information is kept only for the purposes for which it has been gathered
• Uses reasonable measures to ensure that we have accurately and completely recorded the information you have provided
• Provides you reasonable access to your information, as well as procedures for correcting or modifying that information where appropriate.

The information we receive from or about you is stored on systems designed to prevent the loss, misuse, unauthorized access, disclosure, alteration, or destruction of that information.

Although we take all appropriate steps to protect any information which you provide to us, you will understand that in also using the Internet to collect some information, this necessarily may involve data being sent internationally.

By using the website and/or sending an e-mail, or e-mails, to us we shall take it that you agree to our processing your information in this way.

If you are in any doubt about supplying information then we readily accept phone calls and written correspondence (with or without special delivery or courier status).

Electronic communications between parties in the course of business may be monitored by us in accordance with the relevant legislation;

We use information about you and your organization for the purposes of performing the services you have instructed us to do, as well as to ensure that we:

• Administer your account in accordance with your expectations
• Monitor, and improve on, our internal operations properly.
• Comply with anti money laundering regulations

We may use the information we collect to direct important notices and information affecting your account or services, as well as to provide you with general information that may be of interest to you, including newsletters, surveys and information about our service offerings.

You may opt-out of receiving such general information from us simply by notifying us of your desire in accordance with the opt-out instructions contained in any information message you receive from us. However, please note that, in order to fulfil our specific service obligations to you, we will continue to send you notices and other important information that affect our agreement with you.

By registering for our services, you obtain the protections of, and consent to, the data processing practices described in this Confidentiality Policy.

When you engage our services you also represent to us that you have provided notice to, and obtained consent from, any third party individuals whose confidential information you supply to us with regard to:

• The purposes for which such third party's data has been collected
• The intended recipients or categories of recipients of the third party's confidential information
• How the third party can access and, if necessary, modify the data held about them.

In addition to the privacy protections that we provide, our employees, agents, and business partners are independently responsible for ensuring compliance with this Confidentiality Policy, as described below. Only those Altior Vita employees or agents that have a legitimate business purpose for accessing and handling confidential information obtained by us are given authorisation to do so.

The unauthorised access or use of such information by an Altior Vita employee or agent is prohibited and constitutes grounds for disciplinary action.

Additionally, our information management systems are configured in such a way as to block or inhibit employees from accessing information that they have no authority to access.

From time to time trusted agents and business partners may be responsible for processing or handling some of the information that we receive. This will include, but is not limited to the internet and electronic service providers who support our ‘My Blueprint’ and ‘Clarity Control Console’ sections of the website.

Full disclosure of all such partners with authority to view your information will be made to you during the normal course of our business. These partners are not authorized to use your information for purposes beyond those specified by us and are required to preserve the confidentiality with which we treat such information.

Although our website may contain links to other sites you will appreciate that these are outside of our control and are not therefore covered by this privacy policy.

Although we take all reasonable steps to ensure the security of your personal information over the Internet, such as using available means of encryption and privacy protection, the internet is not an entirely secure environment and for this reason we cannot guarantee that information will not be intercepted read or copied by unauthorised parties. You accept these inherent security implications and will not hold us responsible for any breach of security unless we have been negligent.

You have a right to request access to any personal data held by us.

If you feel that Altior Vita, or any partner, agent, or employee is violating this Confidentiality Policy, please contact us immediately at lifeblueprint@altiorvita.com.

If you have any questions regarding this Policy, please contact us.

4. Accessibility Statement

As far as we are able, the Altior Vita website has been designed to meet the standards of the W3C.

This means that we have endeavoured to make sure that the website is as accessible as possible for anyone who has a physical disability or who suffers from visual impairment.

Whilst the Disability Discrimination Act 2004 does not require Altior Vita to do this, not only is it in keeping with the spirit of the legislation, but we feel that it is an important part of our approach to treating customers fairly.

For the visually impaired:

All parts of this website can be scaled using your browser settings. In most cases you go to Page > Zoom and then select the level of zoom that suits you best. All of our website content and menu text can be scaled in this way.

For the physically disabled:

We recognise that some visitors to this website may have difficult using the mouse. All parts of this website can be accessed by using keyboard short cuts.

You can find out more information about W3C at www.w3.org/WAI.