This website is operated

by Genistar Limited

Terms & Conditions

The terms and conditions set out below (the “Terms of Use”) apply to the entire contents of the website and to any email from us.

This website is operated

by Genistar Limited

Terms & Conditions

The terms and conditions set out below (the “Terms of Use”) apply to the entire contents of the website and to any email from us.

This website is operated

by Genistar Limited

Terms & Conditions

The terms and conditions set out below (the “Terms of Use”) apply to the entire contents of the website and to any email from us.

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terms and conditions header image
terms and conditions header image
genistar terms and conditions header image
genistar terms and conditions header image
genistar terms and conditions header image

Important legal notice

Important legal notice

Who we are and how to contact us

The website (“the website”) is operated by Genistar Limited (otherwise referred to as “we”, “are”, “our” or “us”), a limited company authorised and regulated by the Financial Conduct Authority (FCA). We are registered in England and Wales under Company Number 6315485 and have our registered office at Victoria House, Harestone Valley Road, Caterham CR3 6HY.
To contact us, please telephone our team on 020 3372 5085

Why this is an important Legal Notice

The terms and conditions set out below (the “Terms of Use”) apply to the entire contents of the website and to any email correspondence between us and you (“you”, the “user”). Please read these terms carefully before you start using the website because they are binding on you.

By using this website, you confirm that you accept these terms of use and that you agree to comply with them irrespective of whether or not you choose to register with us.

If you breach any of these terms, we reserve the right to take any appropriate action and you will fully indemnify us for any loss or damage suffered by us.

If any of these terms is or becomes invalid or unenforceable (in whole or in part) the validity and enforceability of the other terms will not affected.

If you do not agree to these terms, you must not use the website.
We recommend that you print a copy of these terms for future reference.

Our right to remove access to our website

We reserve the right to remove access to the website in respect of anyone who does not comply with these terms of use.

We may make changes to these terms
We amend these terms from time to time. Every time you wish to use the website, please check these terms to ensure you understand the terms that apply at that time. You will be subject to the terms in force at the time you access the website.

You are also responsible for ensuring that all persons who access the website through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.
Certain provisions of this legal notice may be superseded by expressly designated legal notices or terms located on particular pages of the website.

We may make changes to our website

We may update and change the website from time to time to reflect changes to our products, our users’ needs and our business priorities or for any other reason. We will try to give you reasonable notice of any major changes.

We may suspend or withdraw our website

The website is made available free of charge.
We do not guarantee that our website, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of the website for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

Our website is only for users in the UK

The website is directed to people residing in United Kingdom. We do not represent that content available on or through our website is appropriate for use or available in other locations.

You must keep your account details safe

If you choose, or you are provided with, a username, password or any other piece of information, you are responsible for its security and you must treat such information as confidential. You must not disclose it to any third party. Each registration is for a single user only.

We have the right to disable any username or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.
If you know or suspect that anyone other than you knows your username or password, you must promptly notify us at

How you may use material on our website

We are the owner or the licensee of all intellectual property rights on the website, and in the material published on it. Those works are protected by copyright laws and all such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from the website for your personal use only.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on the website must always be acknowledged.

You must not use any part of the content on the website for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of the website in breach of these terms of use, your right to use our website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Do not rely on information on this website

The content on the website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on the website.

Although we make reasonable efforts to update the information on the website, we make no representations, warranties or guarantees, whether express or implied, that the content on the website is accurate, complete or up to date.

We are not responsible for websites we link to

Where the website contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.

We have no control over or responsibility for the contents or availability of those websites or resources. If you decide to access any of the third party websites linked to our website, you will do so entirely at your own risk.

User-generated content is not approved by us

This website may include information and materials posted by other users of the website. This information and these materials have not been verified or approved by us and we have no obligation in respect of such materials. The views expressed by other users on the website do not represent our views or values.

How to complain about content posted by other users

If you wish to complain about content posted on the website by other users, please contact us at

Our responsibility for loss or damage suffered by you

Save to the extent permitted by law, we (and any of our group companies and the officers, directors, employees, shareholders, sub-contractors or agents of any of them) exclude all liability and responsibility (including without limitation in respect of negligence) from any amount or kind of loss or damage arising out of or in connection with your use of this website.
We do not exclude or attempt to limit in any way our liability:

  • for personal injury or death resulting from our negligence;

  • for any matter for which it would be illegal for us to exclude or to attempt to exclude our liability; or

  • for fraud or fraudulent misrepresentation.

Subject to the exclusions/limitations set out above, we shall not be liable to you for any indirect or consequential loss or damage of any nature whatsoever arising and whether caused in tort (including negligence), breach of contract or otherwise (even if foreseeable), any loss of income or revenue, loss of business, loss of profit of contracts, loss of anticipated savings, wasted third party costs, and/or loss of data, management or office time.

How we may use your personal information

Your privacy is important to us.
We will only use your personal information as set out in our Privacy Policy

Posting content to our website

Any content you post to the website will be considered non-confidential and non-proprietary.
You are prohibited from posting or transmitting to or from the website any content or material:

  • that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or

  • for which you have not obtained all necessary licences and/or approvals; or

  • which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or

  • which is technically harmful (including, without limitation, computer viruses, corrupted data or other malicious software or harmful data).

  • You may not misuse the website (including, without limitation, by hacking).

We have the right to remove any posting you make on the website that we consider inappropriate or unsuitable.
We also have the right to disclose your identity to any third party who is claiming that any content posted by you to our website constitutes a violation of their intellectual property rights, or of their right to privacy.

We will fully co-operate with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of the material or conduct policies.
Any rights not expressly granted in these terms are reserved.

Rights you are giving us to use material you post

When you upload or post content to the website, you grant us the following rights to use that content on a worldwide, non-exclusive, royalty-free basis: the transferable licence to use, copy, reproduce, publish, distribute, incorporate, and use that user-generated content including data, images, sounds, text or anything else included in that content, in any language for any or all commercial and non-commercial purposes without expiry.

We are not responsible for viruses and you must not introduce them

We do not guarantee that our website will be secure or free from bugs or viruses.
You are responsible for configuring your information technology, computer programmes and platform to access our website. You should use your own virus protection software.

You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our site is stored or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our website will cease immediately.

Rules about linking to our website

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

  • You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

  • You are not permitted to use our company trade marks displayed on our website without our written approval

  • You must not remove, distort or otherwise alter the size or appearance of our company logo.

  • You must not establish a link to our website in any website that is not owned by you.

  • Our website must not be framed on any other website, nor may you create a link to any part of our website other than the home page.

  • Your website does not contain content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations.

We reserve the right to withdraw linking permission without notice.

Which country’s laws apply to any disputes?

These terms of use, their subject matter and their formation (and any disputes or claims arising out of it) are governed by English law and subject to the exclusive jurisdiction of the courts of England and Wales.

genistar footer logo

Genistar Ltd is authorised and regulated by the Financial Conduct Authority (472050)

VAT No. 326779856

Genistar Limited is incorporated in England and Wales, with registered

number 6315485. Its registered office is at Victoria House,
Harestone Valley Road, Caterham CR3 6HY.

The information provided on this website is for educational or informational purposes only. Please refer to our
legal disclaimer for further information.

Financial Services Compensation Scheme Protection

The FSCS is the UK’s compensation fund of last resort for customers of authorised Financial Services firms. With the standard Financial Services Compensation Scheme (FSCS) you are covered under the General Insurance Arranging claim category whereby the cover is 90% of the claim with no upper limits if we cannot meet our obligations.

Further information about compensation scheme arrangements is available from the FSCS.

© Genistar 2024 all right reserved.