1st Step Debt Advice

Legal Statements

The FirstStepDebtAdvice.co.uk website is operated by Henderson Loggie, Chartered Accountants. Henderson Loggie ("Henderson Loggie") is a partnership formed under the laws of Scotland and having places of business at Royal Exchange, Panmure Street, Dundee; 34 Melville Street, Edinburgh, EH3 7HA; 48 Queens Road, Aberdeen, AB15 4YE; Gordon Chambers, 90 Mitchell Street, Glasgow, G1 3NH

Financial Services Authority
Henderson Loggie Financial Services Limited is authorised and regulated by the Financial Services Authority (FSA).

Contents

These are the terms and conditions (the "Terms") which apply to the use of the Site by you. The links below take you to the relevant sections on this page.

1. Copyright And Trade Marks
2. Terms And Conditions Of Use For Henderson Loggie's debt advice web site, www.firststepdebtadvice.co.uk
3. Privacy Policy
4. Further Information

Copyright, Trade Marks and Domain names

1. Copyright
   • The material on the web site ("the Site"), which can be accessed via urls, www.firststepdebtadvice.co.uk.
   • You may read, print and download it for private use.
   • You may not commercialise or otherwise copy it without our permission.
   • Use of the Site is subject to our Terms and Conditions
   • See also our Privacy Policy
2. Trade Marks
   "Henderson Loggie" is a registered trademark of Henderson Loggie.
3. Domain Names
   The domain names, www.hendersonloggie.co.uk and www.firststepdebtadvice.co.uk are the property of Henderson Loggie.
4. Further Information
   For copyright, trade mark and domain name enquiries contact: Stuart Sargeant. Telephone : +44 (0)1382 200055, Fax : +44 (0)1382 221240 or email : sas@hendersonloggie.co.uk

Terms and Conditions

Terms and Conditions of use for Henderson Loggie's Web Site, www.firststepdebtadvice.co.uk

These are the Terms which apply to the use of the Site by you.

1. Use of Web Site on these Terms

All use of the Site is on the Terms.

If you do not agree to these Terms cease use of the Site immediately.

You may print and keep a copy of these Terms. They are a legal agreement between us and can only be modified with our consent. We reserve the right to change the Terms at our discretion by changing them on the Site.

2. Accuracy of Information and Disclaimer

We do our best to ensure all information on the Site is accurate.

If you find any inaccurate information on the Site let us know and we will correct it, where we agree that it is inaccurate, as soon as practicable.

We make no representations that information on the Site is accurate and up to date or complete and accept no liability for any loss or damage caused by the inaccuracy or incompleteness of information on the Site.

Although we hope the Site will be of interest to users, we accept no liability and offer no warranties in relation to it and its content, to the fullest extent such liability can be excluded by law.

3. Restrictions on Use

The Site contains copyright material, trade names and other proprietary information, including, but not limited to, text, software, photos, graphics and may in future include video, music and sound. The entire contents of the Site are protected by copyright law. We, or our licensors, own copyright and/or database right in the selection, co-ordination, arrangement and enhancement of such content, as well as in the content original to it. You may not modify, publish, transmit, participate in the transfer or sale, create derivative works, or in any way exploit, any of the content, in whole or in part except as provided in these Terms. See the copyright notice on our Site.

You may download information from the Site for your own personal use only. Except as otherwise expressly permitted under copyright law, no copying, redistribution, retransmission, publication or commercial exploitation of the downloaded material will be permitted without our express permission and that of the copyright owner where we don’t own the copyright. In the event of any permitted copying, redistribution or publication of copyright material, no changes in or deletion of author attribution, trademark legend or copyright notice shall be made. You acknowledge that you do not acquire any ownership rights by downloading copyright material.

We provide hypertext links to other sites that are operated by other people. Using such a link means you are leaving our Site and we take no responsibility for, and give no warranties, guarantees or representations in respect of linked sites.

4. Linking

Appropriate institutions are welcome to create a link to the Site with the following proviso:

• the link must be made to the Site home page; http:// www.firststepdebtadvice.co.uk/
• the destination of the link must correctly acknowledge Henderson Loggie
• the administrator of Henderson Loggie's website, Stuart Sargeant should be informed by e-mail

If we request at any time that you take down the link to the Site you agree that you will take it down immediately.

5. Our Liability

The information on the Site is not intended to address your particular requirements. Such information does not constitute any form of advice or recommendation by us and is not intended to be relied upon by you in making (or refraining from making) any specific decisions. If you wish us to give such advice, please contact the relevant contact partner.

We provide all information on this Site free of charge and we accept no liability for the information provided.

We are a distributor (and not a publisher) of content supplied by third parties and users of the Site. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, or users, are those of the authors or distributors and not of us. We do not necessarily endorse nor are we responsible for the accuracy or reliability of any opinion, advice or statement made on the Site.

6. Legal Jurisdiction and Dispute Resolution

Scots law shall apply to these Terms, notwithstanding the jurisdiction where you are based. You irrevocably agree that the Scottish courts shall have exclusive jurisdiction to settle any dispute which may arise out of, under, or in connection with these Terms and for those purposes irrevocably submit all disputes to the jurisdiction of the Scottish courts. The place of performance shall be Scotland.

We make no warranty or guarantee that the Site or information available over it complies with laws other than Scots law.

7. General

Failure by us to enforce a right does not result in waiver of such right.

If any of these Terms are held to be invalid or unenforceable by any court having authority to determine such issues, the remaining terms of this agreement will not be affected.

You may not assign or transfer your rights under this agreement.

We may amend these Terms at any time by posting a variation on the Site.

Privacy Policy

1. Online Privacy Practices

Your right to privacy is important to us. We are keen to strike a fair balance between your personal privacy and ensuring you obtain full value from the internet and other products and services we may be able to offer to you.

We are fully registered under the Data Protection Act 1998 and ensure we comply with all protection the Act affords to you. Further information on the Act is on the internet at www.dataprotection.gov.uk.

2. Subscription

In some areas of the Site, we ask you to provide information that will enable us to reply to you after your visit. This would include where you complete the 'Make an enquiry' form. When you do so, we ask you to give us your name, e-mail address and other personal information that will be needed for these purposes. That information will be used to update our records and to provide you with the services you have asked for together with information about any of our other services that we believe might be of interest to you. Your details may also be included on our database, which is accessible by Henderson Loggie staff. None of your details will be passed to third parties for marketing purposes. If at any time, you would rather NOT receive such information and material from us, please contact the marketing department by email marketing@hendersonloggie.co.uk

Furthermore, where we act for you or your business, we need to hold and use your details and information in the ordinary course of acting in these matters and for internal administrative purposes arising from the accountant/client relationship. Where applicable, we will hold these details and information for those purposes.

3. Cookies

We do not use cookies for collecting user information from the Site and we will not collect any information about you except that required for system administration of the Web server and otherwise as described above.

4. Other Sites

This privacy policy only covers the Site. Other links within the Site to other websites are not covered by this policy.

Further Information

For further information from us on any of these Terms or for any queries on them, please contact:

For copyright, trade mark and domain name enquiries contact: Stuart Sargeant. Telephone : +44 (0)1382 200055, Fax : +44 (0)1382 221240 or email : sas@hendersonloggie.co.uk

You may inspect a list of all partners at Henderson Loggie, Royal Exchange, Panmure Street, Dundee, DD1 1DZ, Scotland, UK.