Fee based financial education and advice tailored to the individual.
Once you have accessed the Service using your username, you will be deemed to have accepted these Terms and these Terms will form a legally binding agreement. From that moment, you will then have the right to access the Information and use available 3rd party investment facilities in accordance with these Terms until your right to use the service is terminated.
clarity grants you the right to use the Service and your username, solely for use in accordance with these Terms and any other instruction or direction for use supplied to you by clarity from time to time via the Service or otherwise. You agree to comply with these Terms and any such other instruction or direction. Your right to use the Service is personal to you and you may not permit any other person to gain access to the Service using your username and password.
Technological changes from time to time may make the equipment which you use to access the Service (the "Equipment") obsolete or otherwise unsuitable. You are solely responsible for providing, updating, or replacing any part of the Equipment and for any telecommunication and other related costs. clarity makes no warranty as to the suitability or otherwise of the Equipment, which is your responsibility alone. clarity reserves the right to change the Service at any time even if this causes you the need to update or replace the Equipment.
Subject to these Terms, your username will enable you to access the Service and use of third party investment facilities (if available). Remember: using your username confirms that you accept these Terms and creates a legally binding agreement between you and clarity on these Terms.
At its sole discretion clarity may bar the use of your username from time to time due to security or other concerns or for general administration purposes. clarity will inform you as soon as reasonably possible of such action. You may then request a new username following the procedures advised by clarity.
You must take all reasonable steps to keep the password associated with your username secret. You must not write your password on anything clarity sends you about your account or anything usually kept with them.
If you become aware of, or suspect any unlawful or unauthorised use of your username you must immediately follow the procedure set out in the paragraph below and you must give clarity any details you have in relation to any such use.
If you become aware of, or suspect any unlawful or unauthorised use of your username you should bring this to clarity's attention by telephoning clarity on 0870 242 2043 as soon as possible and you may then request a new username and password following the procedures advised by clarity.
You will not be responsible for your username being used after you have cancelled your username by following the procedure set out in the paragraph above.
You may not copy, reproduce, duplicate, modify, adopt or lend, sell or otherwise transfer, in whole or in part, any of the Information, except for the purpose of accessing the Service and producing print-outs for your own personal use. Your rights under these Terms are personal to you and you may not sub-license, assign or otherwise transfer any of those rights. You must not allow anyone else to use your username. Limitations of liability clarity makes no warranty or representation that the Service can be accessed at all times. The Service may be temporarily unavailable or restricted for administrative or other reasons and clarity does not accept any responsibility and will not be liable for any loss or damage arising out of or in connection with loss of use of the Service.
You acknowledge that your uninterrupted access to the Service and use of the Investment Facility may also be prevented by certain factors outside the reasonable control of clarity (a "Service Disruption Event") including, without limitation, the in-operation, inefficiency or unsuitability of the Equipment and the unavailability, in-operation or interruption of Internet or other telecommunication services. Non-performance by clarity of its obligations under these Terms will not be a breach of these Terms where such non-performance results directly or indirectly from a Service Disruption Event. clarity does not accept any responsibility and will not be liable for any loss or damage arising out of or in connection with any such Service Disruption Event.
clarity does not accept any responsibility and will not be liable for the inaccuracy or incompleteness of any information received by you or by clarity through the Service which arises out of or in connection with data transmission, machine or software error or malfunction or from your operating error or which originates from information obtained from third parties (other than such inaccuracy or incompleteness arising as a result of clarity's negligence, fraud or wilful default). clarity does not accept any responsibility and will not be liable for the performance of any third party involved in the provision to you of products or services, regardless of whether you have made contact with such third party via the Service.
clarity reserves the right to terminate your agreement with clarity on these Terms by giving you notice in writing or by means of the Service.
You may terminate your right to use the Service by giving notice in writing or by means of the Service to clarity which will be effective on receipt by clarity, but this will not affect transactions already initiated.
clarity may terminate your right to use the Service by giving notice in writing or by means of the Service which will be effective immediately upon being sent but this will not affect transactions already initiated.
These Terms may be amended by clarity and you will be notified of such amendments in writing or by means of the Service.
A failure or delay by either party to enforce any right under these Terms is not an implied waiver of the same or of any other right in the future.
All of the terms and conditions relating to the Service are contained in these Terms and any other instruction or direction for use supplied by clarity to you via the Service or otherwise. Oral communications that you have with clarity shall not become part of the terms relating to the use of your username, the Information or the Service unless clarity confirms them to you in writing or by means of the Service.
If any provision in these Terms is held or made invalid by a court, statute, rule or otherwise, the remainder of these Terms will not be affected.
These Terms shall be governed by and construed in accordance with the laws of England and Wales.
Welcome to the new look clarity website. This guide will introduce you to the new structure of the website. The home menu can be used to access your personal homepage as
well as the pages describing who we are and how to contact us.
We have split the menus into 3 sections, Information, Education and Action. The Information section is where we collect, store and present information about you and your
investments. The my information section is where all of the data collection takes place, here you can enter investments and set up data feeds as well as establish your attitude
to risk and set target portfolio benchmarks.
Once you have set up data feeds or added your own assets to the website you can then start to use our reporting tools. The valuation section lets you view up to date
Valuation and Asset Allocation reports. You can also split your investments into portfolios and set different benchmarks accordingly. Valuation permissions are also managed
here allowing you to grant the relevant permissions for your spouse/partner to view you valuations using their individual login details.
As well as being aware of your own financial situation it is also important to keep track of global issues. Our news pages allow you to view the latest news from multiple
sources. We produce regular news and views articles with commentary on changes that might affect our clients.
Next is the education section, we have developed a comprehensive research library using the combined knowledge of our advisers. These pages are updated regularly to keep
up with legislative changes. We also offer a list of suggested funds for Unit Trust/OEIC investments and for Stakeholder pensions, these 'buy lists' are managed by our
The learning section of the website is currently under development. This section will contain a number of presentations to build upon our research notes with video
presentations and more in depth calculations to help put financial rules into perspective.
We have a wide range of financial calculators to help you test your existing finances against your goals. The calculators can pull data through from your personal
questionnaire minimising data input and making sure you get accurate results. From simple budgeting to in depth pension planning the calculators can help you wherever
you are in your financial journey.
Lastly is the action section, starting off with Invest Online. Our website allows you to make ISA/Unit Trust/OEIC investments via Cofunds or Fundsnetwork. We have also
produced an investment guide to help you through every stage of the investment process ensuing you make the right decision for your personal situation.
We offer a wide range of services to help you manage your financial affairs. From strategic advice to help you with important investment decisions to Investment Management
services where we manage the balance of your portfolio according to your attitude to risk.
We offer various opportunities to download reports and documents across the website. The download section is a central location for all document downloads including
historic valuation reports. Valuation data is stored indefinitely but will only go back as far as the date you registered for the valuation data feed.