Terms and Conditions

These terms are governed by English law. Any contract for the purchase of goods from this site and any dispute or claim arising out of or in connection with any such contract will be governed by English law. You and we both agree that the courts of England and Wales will have non-exclusive jurisdiction. However, if you are a resident in Northern Ireland you may also bring proceedings in Northern Ireland, and if you are a resident in Scotland you may also bring proceedings in Scotland.

1. Who Are We?

Walleto.co.uk is a site operated by Rayan Arman trading as Ray Arman (www.rayarman.co.uk). By using Walleto.co.uk you fully accept the terms and conditions provided here and have fully understood the disclaimer provided at the footer. If you do not agree with any aspect of these notices, please immediately stop using the website.

2. Services Provided

We provide a number of tools, planners and calculators to help clarify financial decisions however, please note this does not constitute advice and all figures provided are estimates derived from figures provided by you. Due to this, figures should not be relied upon when making, or refraining from, any decision withour first seeking qualified advice.

3. Website Updates

We reserve the right to make updates to either remove, add to, or amend existing information provided without notice. You shall not hold us liable for any of these updates and accept these terms could also be changed as part of updates. If you continue to use the website any changes made will be deemed as accepted.

4. External Website Links

We may link to, or provide details of, third party websites that are not connected to or maintained by us. We do not endorse any website detailed in this manner and cannot be held liable for the content or availability of such websites.

5. Copyright

All copyright, trade marks and all other intellectual property rights in the Website and its content (including without limitation the Website design, text, graphics and all software and source codes connected with the Website) are owned by or licensed to Ray Arman.

In accessing the Website you agree that you will access the content solely for your personal, non-commercial use. None of the content may be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of the copyright holder. This excludes the downloading, copying and/or printing of pages of the Website for personal, non-commercial home use only.

Disclaimers and Limitations of Liability

Walleto.co.uk is provided on an "AS IS" and "AS AVAILABLE" basis without any representation or endorsement made and without warranty of any kind whether express or implied, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.

To the extent permitted by law, we will not be liable for any indirect or consequential loss or damage whatever (including without limitation loss of business, opportunity, data, profits) arising out of or in connection with the use of the Website.

Ray Arman makes no warranty that the functionality of the Website will be uninterrupted or error free, that defects will be corrected or that the Website or the server that makes it available are free of viruses or anything else which may be harmful or destructive.

Nothing in these Terms and Conditions shall be construed so as to exclude or limit the liability of us for death or personal injury as a result of the negligence of us or that of our employees or agents.

Indemnity

You agree to indemnify and hold us and our employees and agents harmless from and against all liabilities, legal fees, damages, losses, costs and other expenses in relation to any claims or actions brought against us arising out of any breach by you of these Terms and Conditions or other liabilities arising out of your use of this Website.

Security

We make reasonable precautions to keep information disclosed to us secure. Unfortunately, we cannot guarantee the security of the information that you disclose to us due to the inherent risks of providing data and dealing online. You will not hold us responsible for any breach of security unless this is due to our negligence or intentional failure.

Severance

If any of these Terms and Conditions should be determined to be invalid, illegal or unenforceable for any reason by any court of competent jurisdiction then such Term or Condition shall be severed and the remaining Terms and Conditions shall survive and remain in full force and effect and continue to be binding and enforceable.

Disclaimer

The 2012 - 2017 Budget proposals and other tax changes are summarised here and available at the UKTaxCalculators.co.uk blog.

The proposals could change before coming into force. The calculator and any associated information are intended to provide a loose overview and therefore include assumptions and estimates. It should not be used as a foundation for checking liability to tax or when deciding investment strategies.

Although we have tried very hard to provide accurate and current figures, there is no guarantee that this information is accurate as of the date it is received or that it will continue to be accurate. You should not act upon such information without first taking professional advice and going through your circumstances in detail.

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