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Terms of use

The following terminology applies to these Terms of Use and any or all subsequent agreements: “Client”, “You” and “Your” refers to each mutually exclusive user accessing this website and accepting these terms and conditions. “The Company”, “Ourselves”, “We” and “Us”, refers to Clover Wealth Management which is a trading style of Clover Financial Planning Limited which is authorised and regulated by the Financial Conduct Authority. “Party”, “Parties”, or “Us”, refers to both the Client and ourselves, or either the Client or ourselves. Any use of the above terminology or other words in the singular, plural, capitalisation and/or he/she or they, are taken as interchangeable and therefore as referring to same.

Content and Copyright

All of the content included on this website (including text, graphics, logos, icons, images, software and computer source code), the arrangement and compilation of such content and any databases or digital documents are the property of our Company or its content suppliers and is protected by United Kingdom and international intellectual property laws, including, copyright laws. The content and software made available on this website is to be used solely for providing interactive services between our Company and you.

Disclaimer Notice

Our Company agrees to use all reasonable and practical endeavours to keep this website in a fully operational and fault free condition. However, we cannot guarantee that this will always be the case and therefore do not accept responsibility for any defects that may exist, or for any costs, loss of profits, loss of data, or any other consequential losses arising from your use of, or inability to use our website.

Our website is provided “as-is”, without any warranties or guarantees as to it or its content’s fitness for any specific purpose unless specifically stated with direct connection to that content. Our Company shall not be responsible for any unauthorised access to or alterations of your transmissions or data, any data sent or received or not sent or received or any electronic transactions entered into using this website. If you do not agree to any of these terms of use, your only recourse is to immediately discontinue use of this website.

Acceptable Usage

You agree that you will only use this website in a manner that is consistent with these terms and in such a way as to ensure compliance with all applicable laws and regulations. In particular, you will not use this website to transmit or post any material, which is defamatory, offensive, or of an obscene or menacing character or which may, in our judgement, cause annoyance, inconvenience or anxiety to any person. To the extent to which your use, or the use by any person who may be authorised by you or for whom you are responsible (for example as the employer) causes loss or damage to any party, you agree to indemnify our Company immediately in relation to any such losses or damages attributable to a misuse of our website including any costs, loss or profits, loss of data or consequential losses arising.

You agree that the content contained within or provided by this website is for your own use and also agree that you will not modify, copy, reproduce, republish, upload, post, transmit or distribute in any way, the material and content contained within or provided by this website without first obtaining prior written permission from a duly authorised representative of our Company. You agree not to use this website or the services made available to you through this website in such a way that may cause the whole or part of this website to be interrupted, damaged, rendered less efficient or in any way impaired.


Where applicable, you are responsible for maintaining the confidentiality of any usernames and the associated passwords assigned to you upon registration for any of our digital services. You are fully responsible for all activities, which occur using those credentials including the content of your transmissions through the service. If you are sharing a computer, you should always log out before leaving this website to protect access to your information from subsequent users. You must notify us immediately of any unauthorised use or any other breach of security.


You are responsible for obtaining the equipment and paying all applicable internet connection fees that are required to access this website.


Personal Information

This website may collect and use your personal information in order to operate and improve the services it provides. These uses include making the website or service easier to use by eliminating the need for you to repeatedly enter the same information and performing research and analysis aimed at improving our products, services and technologies.

We may need to use your personal information to communicate directly with you. We may send certain required service communications such as letters, reminders, information on technical issues, and security announcements.

We will not disclose your personal information outside of our Company or its controlled subsidiaries or affiliates without your prior consent unless otherwise requested to do so by law at the request of a law enforcement organisation.

Non-personal Information

We may also capture non-personal information, which is defined as data in a form that does not hold a direct association with any specific individual user. We may capture, use, transfer, and disclose non-personal information for any purpose.

We may collect information such as language, unique device identifier, IP address, geo-location, and the time zone where our website is used so that we can better understand usage habits and improve our products, services, and advertising. This information will always be used in an aggregated form and be used to help us provide more useful information to our users and to understand which parts of our website, products, and services are of most interest. Aggregated data is considered non-personal information.

If for any reason we do combine non-personal information with personal information the combined information will be treated as personal information for as long as it remains combined and as such be applicable to the terms describing our handing of personal information.

Other Terms of Use

This website and these terms may be amended from time to time without giving any prior notification. You are responsible for regularly reviewing these terms to confirm your continued agreement to them and how they apply to the use of this website. Continued use of this website following any such changes constitutes your acceptance of those changes and your agreement to be bound by them.

The disclaimers and limitations of liability notices contained within these terms of use are without prejudice to any disclaimers or limitations of liability contained in any other contract you may have with our Company and do not affect your statutory rights.

This agreement is governed by English law. You agree that the Courts of England and Wales shall have exclusive jurisdiction to hear and determine any action or proceedings arising from or in connection with the use of this website.