Authors of the website
This website is compiled and maintained by Pagan Osborne, a partnership of Scottish lawyers.
Our main office is at 12 St Catherine Street, Cupar, Fife, Scotland KY15 4HH.
Our main switchboard telephone number is 01334 653777.
Emails may be sent to enquiries@pagan.co.uk.
The meaning of words and expressions used in these Terms and Conditions
"you" and "your" mean users of this website and/or its content;
"we", "us" and "our" mean Pagan Osborne;
"website" means the internet web pages available using the domain names www.standrews-asset-managers.co.uk, www.paganosborne.com, www.pagan.co.uk, www.all-about-homes.com, www.paganproperty.co.uk, www.paganbusinesslaw.co.uk, www.paganfinance.co.uk.
The Website is only for use in the United Kingdom.
The website is primarily designed to be used by residents of the United Kingdom. The website complies with the laws of the United Kingdom and may not comply with the laws of other countries. It may be an offence to use the website in other countries. If you are not resident in the United Kingdom and would like to find out more about our services, or to take legal or financial advice from us, please click here.
The copyright in the website
We own the copyright in the website (© Pagan Osborne 2000-2006) including the style of the website, its organisation and layout, its content and the technical bits that make it work. Our copyright is protected by the laws of almost every country in the world and under international law. You may download, temporarily store and use the content of the website for your own private purposes. You may also print hard copies of individual pages of the website on the same basis. However, unless we have authorised you in advance, you must not use, sell, copy, download, transfer or reproduce any of the website other than for your own private purposes.
The only parts of the website in which we do not have copyright are clearly identified as belonging to third parties. You must only use, sell, copy, download, transfer or reproduce those elements if you have the permission in advance of the third parties which own that copyright.
Links to and from the website
If you want to set up a link from another website to our website you must obtain our written permission in advance. We will normally be happy to allow links to be created but, to avoid any confusion caused to people using such a link, we require to authorise every link before it is put in place. If permission is granted to create a link it must only point at the main title page of the website.
The external links set up within the website point to websites over which we have no control. We try to be very selective and only to provide links to sites which are useful. Such external websites are not however endorsed by us and may contain material with which we do not agree. Treat these websites with the same caution you would treat any website on the Internet and, in particular, do not give out any personal or financial information unless you have trust in the person to whom you are providing the information.
Our privacy policy
Any personal information given to us over the Internet or by email (or for that matter given to us by any other means) will be treated in the strictest confidence. We will only use that information to keep you aware of services which we think will interest you. If you do not want us to use your personal information in this way please just let us know. You are entitled, on payment of a small fee, to a copy of all of the information we hold about you.
Financial and Investment Advice: a word of warning
Stock market and currency fluctuations can cause the value of investments and the income from them to go down as well as up. Investors may not get back the full amount of money they invested. Past performance is not necessarily a guide to future performance.
We are authorised by the Financial Services Authority to conduct investment business. For more information about the Financial Services Authority please click here www.fsa.gov.uk
Our liability to you
The website provides general information only. It does not provide, and is not a substitute for, legal or financial advice, and should not be relied upon when you are considering taking steps which might change your legal or financial position. Solicitors and financial advisers are highly trained professionals and they can give you advice on how to conduct your affairs but only when they have been made aware of all of the relevant background information. If you want to take our advice on such matters you can email us.
While we maintain and update the website so as to keep it as accurate and up to date as we can, we do not guarantee 100% accuracy. Indeed, even when 100% accuracy is achieved, the information is unlikely ever to be comprehensive enough to provide you with a complete picture of the relevant law and how it affects your personal circumstances. You should never therefore take steps, or refrain from taking steps, which might alter your legal or financial rights and obligations, in reliance on information on this website.
Further, given the complexity of the Internet, please bear in mind that we cannot guarantee that our website will always be available or that the form you are looking at is the most up to date form.
To sum up, we only accept liability for individually tailored advice which is given to you personally and in writing.
The law of Scotland
We are a firm of Scottish lawyers and, if there is any dispute between you and us, the law of Scotland will apply.
Pagan Osborne is authorised and regulated by the Financial Services Authority