Moray Financial Limited is a limited company incorporated in England and Wales with registration number SC694883. Its registered office is at The Forsyth Building, 5 Renfield Street, Glasgow, United Kingdom, G2 5EZ.
Access to our site is permitted on a temporary basis, and we reserve the right to withdraw any information and/or service we provide on our site without notice (see below). If the need arises, we may suspend access to our site or close it indefinitely. We will not be liable for any damages, loss, costs or expenses incurred by you if for any reason our site is unavailable or inaccessible at any time or for any period. We do not promise that our site will be available at all times nor do we promise the uninterrupted use by you of our site. You are responsible for making all arrangements necessary for you to have access to our site and for keeping your password and account details confidential. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms, and that they comply with them.
Commentary and other materials posted on our site are general in nature and are not intended to amount to advice provided by an independent professional experienced and practicing in that area on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents. Any reliance that you place on information on our site is at your own risk.
We aim to update our site regularly and may change the content at any time. We reserve the right to amend any information and/or service we provide on our site without notice. If the need arises, we may suspend access to our site, or close it indefinitely. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material.
The material displayed on our site is provided “as is” without any guarantees, representations, conditions, or warranties as to its accuracy. If your use of material on our site results in the need for servicing, repair or correction of equipment, software, or data, you assume all costs thereof. To the fullest extent permitted by law, we and any third parties connected to us hereby expressly exclude:
Nothing in these terms operates to exclude, limit or restrict our liability for death, personal injury caused by our negligence or fraudulent misrepresentation.
If you would like to link to our site, you may only do so on the basis that you link to, but do not replicate, the home page of or any page within our site, and subject to the following conditions:
We expressly reserve the right to revoke the right granted in this clause for breach of these terms and to take any action we deem appropriate. You shall fully indemnify us for any loss or damage suffered by us as a result of your breach of this clause.
Where our site contains links to other sites and resources provided by third parties, these links are provided for your information and convenience only. We are not associated with and do not have any control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you use these links, you leave our site. We may not have reviewed these third-party websites and do not control and are not responsible for these websites or their content or availability. We therefore do not endorse or make any guarantees, representations or warranties about them, or any material found there, or any results that may be obtained from using them. If you decide to access any of the third-party websites linked to our site, you do so entirely at your own risk.
If you receive any communication purporting to be from Moray Financial Limited or any of our partners or employees about which you are uncertain or suspicious, please forward it to email@example.com and we will investigate. Never reply to such e-mails and particularly do not part with money, provide personal or confidential information and do not click on any links in the e-mail. Please be aware cyber-criminals deliberately target lawyers and their clients, often by attempting to impersonate your lawyer. Be particularly sensitive to the fact that email is not secure and can be intercepted and amended. If you are due to transfer money to Moray Financial Limited and have received an e-mail with sort code and account details, then we recommend you call your Moray Financial Limited contact to corroborate these details. Please use a phone number from our website or terms of engagement letter and not one from the same e-mail as contains the bank account details. We will not change bank account details during the course of a transaction, and we will not pressurise you into transferring large sums of money. Avoid posting statuses on social media about buying/selling houses, or getting a mortgage, or any other matter that may involve a large financial transaction. Fraudsters monitor social media for this information. Avoid using public Wi-Fi systems to check e-mails and correspond with Moray Financial Limited. Fraudsters can easily hack into vulnerable Wi-Fi systems. If you use webmail (e.g. hotmail, gmail, etc) then ensure you have a strong password; do not share the same password on different accounts, and definitely switch on two factor authentication (which would alert you, e.g. by SMS text if anyone else attempted to log on to your webmail account). Moray Financial Limited will never attempt to induce anyone to click on links to potentially fraudulent websites, or submit personal information, or to part with money as an upfront payment in order, for example, to release a prize. For further information on how you can improve online safety behaviour please visit the UK Government’s site https://www.cyberstreetwise.com/
We are committed to preventing acts of modern slavery and human trafficking from occurring within our business and supply chain. Within our business, we have in place an Anti-Slavery policy setting out our commitment to combat modern slavery, together with an Anti-Corruption and Bribery Policy. In order to provide legal services, we work with a range of suppliers, primarily within the United Kingdom. We endeavour to make sure our suppliers are aware of our policies, and request that they adhere to the same high standards and practices where appropriate. While we do not primarily operate in high-risk sectors or locations, we regularly evaluate the nature and extent of its exposure to the risk of modern slavery occurring in our supply chain and will investigate any potential risks as appropriate.
We are committed to the prevention of bribery and corruption as we recognise the importance of maintaining our reputation and the confidence of our clients and business partners. We do not accept bribery and corruption in our business, and we will not work with others who do not share our commitment to preventing bribery and corruption. If you wish to see our Bribery Policy, please ask us. If you have any concerns or suspicions, we should know about then please contact our Governance, Risk and Compliance Team at firstname.lastname@example.org.