Terms & Conditions

ABOUT US

Our company is called Gamine Limited (Lifetise is our brand). We are registered in England with company number 08202341 and registered address at Kemp House, 160 City Road, London, EC1V 2NX.

Please read these Terms and Conditions carefully, as they will apply to you each time you use our website at lifetise.com (our “Website”), any of the tools that we provide and any emails or other electronic correspondence between us (collectively, our “Services”). By using any of our Services, you confirm that you agree to these Terms and Conditions, so if you do not agree to them, you must leave the Website immediately and not use it.

THE AGREEMENT BETWEEN US

These Terms and Conditions create a legally binding contract between us. Here is what that contract says:

What you are allowed to do

You are allowed to access our Website and use our Services, for your own personal use, provided that you are over 16. If you are under 16, you will need a parent to use the Services on your behalf.

You are allowed to link to our Website, as long as you do so in a way that is fair and legal and does not damage our reputation, or take advantage of it, or suggest any kind of endorsement or association between us.

You can share content on social media (and we provide social sharing buttons so you can do that), but only for non-commercial purposes.

You may take screenshots of, or download material from, our Website, as long as you keep any copyright notices, or branding intact and do not use any illustrations, photographs, video or graphics separately from any accompanying text.

For all of the above, we grant you a limited, revocable, royalty-free, non-sublicensable licence to access and use our Services for information only.

What you are not allowed to do

We have to protect what we have created, so the list of what you cannot do is longer than what you can do. You must not (and you must not assist or permit anyone to):

• Use any of our content in any way that could be infringing to our rights (including our intellectual property rights) or to anybody else’s rights, including privacy rights.

• Upload any content that is abusive, defamatory, offensive, amounts to hate speech or bigotry, or use our Services to spam or harass anybody.

• Use any of our Services for fraudulent or deceptive purposes, or any other unlawful purposes.

• Reproduce, modify, display, publish, distribute, disseminate, broadcast, frame or otherwise exploit our Website or any of its content for any commercial purpose, unless we have explicitly given our written permission.

• Reverse engineer, decompile, disassemble, try to derive the source code of, modify or create derivative works of any part of the Website or our Services, or attempt to gain access to any of our servers, databases or other parts of our technology systems.

• Access our Services or technology systems using any automated systems, such as bots or spiders.

• Introduce any viruses, malware, spyware, adware, or any other material which adversely affects the operation of any computer software or hardware to our Services or systems, or attack our Website or technology services in any way (including by a DDOS attack).

• Access or use any part of our Services to build or support any products or services which compete with our Services.

• Perform or disclose any network discovery, port and service identification, vulnerability scanning, password cracking, remote access testing or penetration testing on any of our Services of technology systems.

We can suspend or terminate your use at any time

We can suspend or terminate your access to the Website, or your use of the Services, at any time if you violate any of these Terms and Conditions, or if we believe there is a credible risk of harm to us, the Services or any of our other customers or third-parties.

We can also make any changes to the Services that we want to make. We do not have to give you notice of those changes and we do not guarantee that any particular features or functionality of the Services will not be discontinued or altered.

Our Services are for information only and are not financial advice

The content on our Website and the calculations provided by our tools are for information only. Materials and information we provide as part of the Services are intended to give you general guidance. They are not financial advice and you should not rely on them alone to make any major financial decisions.

You should always speak to a financial services expert, such as an authorised mortgage broker, before you enter into any contract for financial services. Any reliance that you place on the general information that we provide to you is strictly at your own risk.

We are under no obligation to update the content on our Website or our Services and you accept that any of the content may be out of date.

Your account

If you create an account with us, you agree that your account is personal to you and you may only create one account per person. You are responsible for keeping your login details secure and you must not share them with anyone else. If you become aware that someone else could have access to your account, you must contact us immediately.

Third party links

Our Website or other Services may contain links to other websites and resources provided by third parties. These links are provided for your information only and do not create any form of association, approval or endorsement on our part. If you decide to visit any third party website, you do so entirely at your own risk. We are not responsible for the content, accuracy or opinions expressed in such websites or the standard of goods or services available through or on such websites. You should carefully review the terms and conditions of use and privacy policy of any third party website that you visit, as they will apply to your use of the third party’s website or services.

Disclaimers

We disclaim all liability and responsibility from any reliance that you place on the information we provide, to the fullest extent permissible by law. We make no representations, warranties or guarantees, whether express or implied, that the content on our Website or our Services is accurate, complete, up-to-date or error-free.

We also exclude and disclaim, to the fullest extent permissible by law, all other warranties, terms, conditions and representations that might otherwise be implied in relation to our Services. All of our Services are provided “as-is”. We make no representation or warranties of any kind about the reliability, suitability, availability, security, or fitness for purpose of our Services, or that our Services will be free of viruses or other harmful components, or that any defects will be corrected. You must take your own precautions in this respect.

Ownership and intellectual property rights

We (or our licensors) own rights (including all intellectual property rights) in and to our Services (including the Website and all the content on it) and our technology systems.

We also own the financial data that you input into our Services so that we can perform the calculations and projections for you, and any data that we create from those Services (including any analytics data about how you use the Services).

We do not own any personally identifiable information that you provide to us (your name, email address and any other similar information that identifies you as an individual) (“Customer Data”), but you do grant us a worldwide, non-exclusive, limited licence to access, use, process, copy, distribute and display your Customer Data only to provide the Services to you (which includes things like technical support and fraud prevention), or as otherwise required by law.

We will only use your personal data in accordance with data protection legislation and our Privacy Policy. If you input anybody else’s personal data into our Services (for example, your partner or children’s personal data), you warrant that you have their explicit consent to do so.

Limitation of liability

Nothing in these Terms and Conditions limits or excludes any liability that cannot be excluded or limited under English law.

We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with your use of, or inability to use, any of our Services, or use of or reliance on any information provided as part of our Services, including on our Website.

We do not accept any liability for the following types of loss, even if the loss is foreseeable: loss of sales, income or revenue, loss of business, loss of profits, loss of anticipated savings, business interruption, loss of opportunity, goodwill or reputation, loss of data, or any special, indirect, punitive or consequential loss or damage.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Website, or to your downloading of any content on it, or on any website linked to it.

Governing law and jurisdiction

These Terms and Conditions are governed by English law and the English courts have exclusive jurisdiction in relation to any dispute arising out of or in connection with these Terms and Conditions.

Changes to these Terms and Conditions

We may make changes to these Terms and Conditions at any time by amending this page of the Website. Please check this page from time to time as any changes that we make to the Terms and Conditions will apply to your continued use of the Website. If you do not accept any of the changes, you must stop using our Website.

Last updated May 2018