Terms of Use
Terms of Use

Please read the following section carefully as it contains the Terms governing your use of this website – www.ripethinking.co.uk (“the Site”) Additional terms and conditions apply to the products and services offered on this Site. These will be drawn to your attention when you browse, apply for and following any purchase you make of any product or service. By using this Site you hereby agree to these Terms of Use in force at that time. If you do not agree with these Terms of Use please do not use this website. We reserve the right to update these Terms of Use without notice and we recommend you visit this section regularly as continued use of this Site after a change will constitute acceptance of the new Terms.

Availability of Site

Whilst we have taken care in the preparation of the Site, certain technical matters may be beyond our control and we cannot guarantee that you will have uninterrupted or error free access to all of the Site at all times, that defects will be remedied, or that the Site, or the server that makes the Site available, are virus or bug free. Access may be suspended or restricted to allow for repair or maintenance or for the introduction of new services without notice.

Use of Personal Information

Through your use of the Site you agree that personal information that is provided will be dealt with in accordance with our Privacy Policy.

Copyright and Licence

Unless otherwise stated the copyright in all website design, text, graphics, the selection and arrangement thereof, and all software compilations, underlying source code, software (including applets) and all other material on this website belong to us or their content and technology providers and any other rights in all material on this Site are owned by us. Use of documents and related graphics on this Site is for information and/or personal use only. Any copies of these pages saved to disk or to any other medium may only be used for subsequent viewing purposes or to print extracts for personal use. No document or related graphics are to be modified in any way. Graphics on this Site are not to be used separately from the accompanying text. No part of this Site may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without prior written permission. Any rights not expressly granted in these Terms are reserved. Intellectual property rights in all software and documentation supplied by us for your use in connection with the website remain our property or that of our licensors.

Product Terms and Conditions

The content of the Site does not constitute an offer by us to sell products and services or constitute financial or other professional advice. Your request to purchase a product or service represents an offer by you and will be subject to the terms and conditions of that product or service that we may accept or reject. After you make a request through the Site to purchase the product or service then assuming such product or service is available to you and your offer is accepted, you will receive confirmation of your purchase. The information and descriptions on the Site do not necessarily represent complete descriptions of all terms, conditions and exclusions and the precise cover provided (as applicable) shall be included in the schedule of cover, policy documents and/or conditions of purchase issued to you. If you apply for any product or service detailed on the Site, these Terms of Use should be read in conjunction with any other terms and conditions relating to that product or service and, in the event of any contradiction between these Terms of Use and the specific product of service terms and conditions, the latter shall prevail.

External Links

We may provide links to other websites that are not under our control. These links are provided for your convenience. When you activate these links, you will leave the Site. We do not endorse or take responsibility for the content on third party websites or the availability of those websites and we are not liable for any loss or damage that you may suffer by using those websites. If you decide to access linked websites you do so at your own risk.

Site Access and Password Usage

To obtain access to certain online services you may be given the opportunity to register with us. You are responsible for maintaining the confidentiality of your details and your password and for restricting access to your computer to prevent unauthorised access to your account. You accept responsibility for activities that occur under your account and you should take all steps to ensure your password is kept confidential. You agree to inform us immediately if you have reason to believe your password is being used in an unauthorised manner. Interference or entry to the Site with intent to corrupt, damage or deny service from the Site or for other commercial benefit shall be taken seriously and we shall take such action as is necessary to protect the Site from any such activities to protect our intellectual property rights. You acknowledge that damages may not be an adequate remedy for any infringement of such rights by you and that we are entitled to the remedies of injunction, specific performance, orders to deliver up infringing copies and any other statutory or equitable relief for any threatened or actual infringement and that no proof of special damages is necessary for reliance on such remedies.


Whilst we have taken all reasonable steps to ensure that the information contained within the pages of this Site is accurate, current and complies with the relevant legislation and regulations as at the date of issue, no warranty is given and no representation is made regarding the accuracy of or completeness of the content of the Site. Consequently, we accept no liability for any losses or damages (whether direct, indirect, special, consequential or otherwise) arising out of errors or omissions contained in this website. Further, no warranty is given that this Site shall be available on an uninterrupted basis and no liability can be accepted in respect of losses or damages arising out of such unavailability. In addition, no liability can be accepted in respect of losses or damages arising out of changes made to the content of this Site by an unauthorised third party. You acknowledge that you are solely responsible for the use to which you put this Site and all the results and information you obtain from it and that all warranties, conditions, undertakings, representations and Terms whether expressed or implied, statutory or otherwise are hereby excluded to the fullest extent permitted by law. Nothing in these Terms of Use shall exclude, limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000 and any subsequent amending or replacement legislation which regulates the carrying out of investment or financial business in the United Kingdom, or any conduct of business rules which we are bound to comply with. Further, nothing in these Terms of Use shall attempt to exclude liability for death or personal injury or for fraudulent misrepresentation. The materials on this site do not constitute financial or other professional advice. Contact your Independent Financial Adviser for financial advice.


The court may strike out or override any part of these Terms of Use, which it considers unfair, unreasonable, invalid or unlawful (whether an entire clause or only part of one) and in such cases we shall enforce these Terms of Use as if the offending part had never been contained in it. The paragraph headings are for information only, and do not form part of these Terms of Use.

Monitoring of Telephone Call and Emails

Telephone calls and email correspondence with us as a result of your access to the Site may be recorded for training purposes and to assist in the prevention of fraud. By using such communication methods you are consenting to such activities taking place.


If you breach these Terms of Use and we do not take immediate action against you we are still entitled to enforce our rights and remedies in respect of any such breach or any subsequent breach.

Jurisdiction and Law

These Terms of Use shall be governed by and construed in accordance with English law. Disputes arising here from shall be subject to the exclusive jurisdiction of the courts of English courts.


Ripe Thinking Limited. Registered office: The Royals, 353 Altrincham Road, Manchester M22 4BJ. Registered in England No 09651089