SJP app

Your privacy, security information and identity

We use your personal data in line with our privacy policy.

We will ask you to confirm your identity before using the App. From time to time we may perform additional security checks to verify your identity.

You must always keep your security details secure and confidential and not share them with anyone. We will never ask for your security details. You must ensure only your biometric information is used on devices accessing the App.

How you may use the App, including how many devices you may use it on

Having agreed to these terms you may:

• download the App onto unlimited devices you own or control and use it for your personal purposes only; and
• receive and use any free App updates incorporating "patches" and corrections of errors.
• To download the App onto devices not owned by you, you must have the owner's permission. You are responsible for complying with these terms, whether or not you own the device.

You may not transfer the app to someone else

If you sell or dispose of any device on which the App is installed, you must remove the App from it.

Changes to these terms

If we need to change these terms we will give you at least 30 days’ notice by sending you an email with details or notifying you when you next start the App.

By continuing to use the App you accept the changes notified.

Updates to the App

From time to time we may automatically update the App to address security issues or make various other improvements. Alternatively we may ask you to update the App yourself. You may not be able to continue using the App if it is not kept updated.

We may collect technical data about your device

You agree to us collecting and using technical information about the devices you use the App on and related software, hardware and peripherals to improve our products and services.

We are not responsible for other websites you link to

The App may contain links to websites not provided by us and therefore not under our control. We have not checked or approved and are not responsible for their content or their privacy policies (if any).

Your judgement about whether to use any such independent sites is therefore your own.

Licence restrictions

You agree not to:

• rent, lease, sub-license, loan, provide, or otherwise make available, the App in any form, in whole or in part to any person without our prior written consent;
• copy the App, except as part of its normal use or where necessary for a back-up or operational security;
• translate, merge, adapt, vary, alter or modify, the whole or any part of the App nor permit the App or any part of it to be combined with, or become incorporated in, any other programs, except as necessary to use the App on devices as permitted in these terms;
• disassemble, de-compile, reverse engineer or create derivative works based on the whole or any part of the App nor attempt to do any such things.

Acceptable use restrictions

You must not:

• use the App in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with these terms, or act fraudulently or maliciously, for example, by hacking into or inserting malicious code, such as viruses, or harmful data, into the App or any operating system;
• infringe our intellectual property rights or those of any third party in relation to your use of the App or any Service (to the extent that such use is not licensed by these terms);
• transmit any material that is defamatory, offensive or otherwise objectionable in relation to your use of the App; and
• use the App in a way that could damage, disable, overburden, impair or compromise our systems or security or interfere with other users.

Intellectual property rights

All intellectual property rights in the App throughout the world belong to us (or our licensors) and the rights in the App are licensed (not sold) to you. You have no intellectual property rights in, or to, the App other than the right to use them in accordance with these terms.

We are responsible to you for foreseeable loss and damage caused by us

If we fail to comply with these terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breaking these terms or our failing to use reasonable care and skill, but we are not responsible for any loss or damage not foreseeable. Loss or damage is foreseeable if either it is obvious it will happen or if, at the time you accepted these terms, both we and you knew it might happen.

These terms do not affect your legal rights as a consumer and we do not exclude or limit in any way our liability to you under the Financial Services and Markets Act 2000.

When we are liable for damage to your property

If the App damages a device or digital content belonging to you, we will either repair the damage or pay you compensation. However, we will not be liable for damage you could have avoided by applying free updates to the App or if you failed to correctly follow installation instructions or to have in place our minimum system requirements.

We are not liable for business losses

The App is for domestic and private use so we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

Limitations to the App

The App is provided “as is” and “as available” for general information only and no part of SJP provides financial or investment advice via the App. You must obtain professional advice before taking, or refraining from, any action based on the App. Although we make reasonable efforts to update the information provided by the App, we make no representations, warranties or guarantees, whether express or implied, that such information is accurate, complete or up to date.

Please back-up content and data used with the App.

Regular back ups of any content and data used in connection with the App are recommended.

We are not responsible for events outside our control

If our provision of or support for the App is delayed by events outside our control, we will contact you as soon as possible to let you know and take steps to minimise the delay. Provided we do this we will not be liable for such delays.

We may transfer this agreement to someone else

We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and ensure the transfer will not affect your rights.

No rights for third parties

This agreement does not give rise to any rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this agreement.

If a court finds part of this contract illegal, the rest will continue in force

Each of the paragraphs of these terms operates separately. If any court or relevant authority decides any of them are unlawful, the remaining paragraphs will remain in full force and effect.

Even if we delay in enforcing this contract, we can still enforce it later

If we do not insist immediately you do anything required under these terms, or if we delay in taking steps in respect of your breaking this contract, that will not mean that you do not have to do those things and will not prevent us taking steps against you later.

Which laws apply to this contract and where you may bring legal proceedings

These terms are governed by English law and you can bring legal proceedings in respect of the products in the English courts. If you live in Scotland you can bring legal proceedings in respect of the products in either the Scottish or the English courts. If you live in Northern Ireland you can bring legal proceedings in respect of the products in either the Northern Irish or the English courts.

Who are we?

St. James’s Place Wealth Management plc, St. James’s Place UK plc, St. James’s Place Unit Trust Group Ltd, St. James’s Place International plc, St. James’s Place Investment Administration Ltd and Rowan Dartington & Co. Ltd are members of the St. James’s Place Wealth Management Group.

St. James’s Place UK plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

St. James’s Place Unit Trust Group Ltd is authorised and regulated by the Financial Conduct Authority.

St. James’s Place International plc is authorised and regulated by the Central Bank of Ireland.

St. James’s Place Investment Administration Ltd is authorised and regulated by the Financial Conduct Authority.

Rowan Dartington & Co. Ltd is authorised and regulated by the Financial Conduct Authority.

St. James’s Place Wealth Management plc Registered Office: St. James’s Place House, 1 Tetbury Road, Cirencester, Gloucestershire, GL7 1FP, United Kingdom. Registered in England Number 4113955.

Rowan Dartington & Co. Ltd Registered Office: St. James’s Place House, 1 Tetbury Road, Cirencester, Gloucestershire, GL7 1FP, United Kingdom. Registered in England Number 02752304

The ‘St. James’s Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives.

Members of the St. James’s Place Partnership in the UK represent St. James’s Place Wealth Management plc, which is authorised and regulated by the Financial Conduct Authority.

www.sjp.co.uk