Terms and conditions






These terms tell you the rules for using and accessing our website: https://pragmawm.com/ (our ‘Site’).

This Site is operated by Pragma Wealth Management Limited (“We”, “Us” or “Our”). We are registered in England and Wales under company number 04191349 and have our registered office at The Scalpel, 18th Floor, 52 Lime Street, London, EC3M 7AF, United Kingdom.

We are regulated by the Financial Conduct Authority.

To contact us, please email operations@pragmawm.com or telephone our customer service line on +44(0) 20 7730 8512.

1.1 By using our Site you accept these terms

By using our Site, you confirm that you accept these terms of use and that you agree to comply with them.

If you do not agree to these terms, you must not use our Site.

We recommend that you print a copy of these terms for future reference.

1.2 There are other terms that may apply to you

These Terms and Conditions only apply to your access to and use of the Site and the online portal on the Site.  All services provided to you by us are not governed by these Terms and Conditions and are governed by the separate service agreement between yourself and us.

These Terms and Conditions of use refer to the following additional terms, which also apply to your use of our Site:

  • our Privacy Policy here, which details our use of personal data; and
  • our Cookie Policy here, which sets out information about the cookies on our Site.




2.1 We may make changes to these terms

We amend these terms from time to time. Every time you wish to use our Site, please check these terms to ensure you understand the terms that apply at that time. These terms were most recently updated in June 2020.

2.2 We may make changes to our Site

We may update and change our Site from time to time to reflect changes to our products, our users’ needs, our business priorities or any other reason.  We will try to give you reasonable notice of any major changes.

2.3 We may suspend or withdraw our Site

Our Site is made available free of charge.

We do not guarantee that our Site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our Site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

2.4 We may transfer this agreement to someone else

We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.


3. Disclaimer

The Disclaimer in these Terms and Conditions are provided in addition to the general disclaimer.  We expressly draw your attention to our general disclaimer which you should read and understand before using our Site.  The general disclaimer can be found here.

3.1 Do not rely on information on this Site

The content on our Site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

Although we make reasonable efforts to update the information on our Site, we make no representations, warranties or guarantees, whether express or implied, that the content on our Site is accurate, complete or up to date.

3.2 We are not responsible for third party websites

Where our Site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.

We have no control over the contents of those third party sites or resources.

3.3 Use of our online portal

You are aware that registration or access to log in to our online portal on the Site will in no way guarantee any form of benefit to you and we reserve the right to remove your access on reasonable grounds at any time.

The information contained on our online portal is provided by us in good faith on an ‘as is’ basis and all users must verify the information before using or acting on the information.  We do not make any representation or warranty that the information contained on the online portal is reliable, accurate or complete or that your access to that information will be uninterrupted, timely or secure.

In the event information is provided to you via the online portal as part of our services to you, this information will be governed by the terms of our service agreement with you.

3.4 User-generated content is not approved by us

This website may include information and materials uploaded by other users of the Site, including to bulletin boards and chat rooms. This information and these materials have not been verified or approved by us. The views expressed by other users on our Site do not represent our views or values.  If you are generating any content on our website please see clause 5 (Interactive Services) below.

If you wish to complain about content uploaded by other users, please contact us.



4.1 Prohibited uses

You may use our Site only for lawful purposes.  You may not use our Site:

  • in any way that breaches any applicable local, national or international law or regulation;
  • in any way that is unlawful or fraudulent or has any unlawful or fraudulent purpose or effect;
  • for the purpose of harming or attempting to harm minors in any way;
  • to bully, insult, intimidate, or humiliate any person;
  • to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation or spam; and/or
  • to access without authority, interfere with, damage or disrupt any part of our Site, any equipment or network on which our Site is stored, any software used in the provision of our Site; or any equipment or network or software owned or used by any third party.

4.2 You must keep your account details safe

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures to access our online portal, you must treat such information as strictly confidential. You must not disclose it to any third party.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.

4.3 How you may use material and intellectual property on our Site

We are the owner or the licensee of all intellectual property rights in our Site, and in the material published on it.  Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our Site for your personal use and you may draw the attention of others within your organisation to content posted on our Site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our Site must always be acknowledged.

You must not use any part of the content on our Site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our Site in breach of these terms of use, your right to use our Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

4.4 We are not responsible for viruses and you must not introduce them

We do not guarantee that our Site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform to access our Site. You should use your own virus protection software.

You must not misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site. You must not attack our Site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you may commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Site will cease immediately.

4.5 Rules about linking to our Site

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link to our Site in any website that is not owned by you.

Our Site must not be framed on any other site, nor may you create a link to any part of our Site other than the home page.

We reserve the right to withdraw linking permission immediately by notifying you.



5.1 Uploading content to our Site

Whenever you make use of a feature that allows you to upload content to our Site, or to make contact with other users of our Site, you must comply with the content standards (in clause 5.2 below) set out in these Terms and Conditions.

You warrant that any such contribution does comply with these standards.

Any content you upload to our Site will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, but you are required to grant us a limited licence to use, store and copy that content and to distribute and make it available to third parties.  When you upload or post content to our Site, you grant us the right to use that content.

We also have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our Site constitutes a violation of their intellectual property rights, or of their right to privacy.

We have the right to remove any posting you make on our Site if, in our reasonable opinion, your post does not comply with the content standards set out in these Terms and Conditions.

5.2 Content standards

These content standards apply to any and all material which you contribute to our Site and to any interactive services associated with it.

Any contribution must be accurate (where it states facts), be genuinely held (where it states opinions) and comply with the law applicable in England and Wales and in any country from which it is posted.

Any contribution must not:

5.2.1 be defamatory of any person;

5.2.2 be obscene, offensive, hateful or inflammatory;

5.2.3 promote sexually explicit material, violence or discrimination activity;

5.2.4 infringe any copyright, database right or trade mark of any other person;

5.2.5 advocate, promote, incite any party to commit, or assist any unlawful or criminal act such as (by way of example only) copyright infringement or computer misuse; or

5.2.6 contain any advertising or promote any services or web links to other sites.


5.3 Breach of the Interactive Services

Failure to comply with the terms of use constitutes a material breach of these Terms and Conditions and may result in, but is not limited to, our taking all or any of the following actions:

5.3.1 immediate, temporary or permanent withdrawal of your right to use our Site;

5.3.2 immediate, temporary or permanent removal of any contributions uploaded by you to our Sites;

5.3.3 issue a warning to you;

5.3.4 instigate legal proceedings or any other legal actions against you for reimbursement of all costs resulting from the breach; and/or

5.3.5 disclosure of such information to law enforcement authorities as we reasonably feel is necessary or as required by law.



6.1 Whether you are a consumer or a business user:

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any products or services to you, which will be set out in our supply of services agreement.

6.2 If you are a business user:

We exclude all implied conditions, warranties, representations or other terms that may apply to our Site or any content on it.

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:

6.2.1 use of, or inability to use, our Site; or

6.2.2 use of or reliance on any content displayed on or accessed within our Site.2.0

In particular, we will not be liable for:

  • loss of profits, sales, business, or revenue;
  • business interruption;
  • loss of anticipated savings;
  • loss of business opportunity, goodwill or reputation; or
  • any indirect or consequential loss or damage.


6.3 If you are a consumer user:

Please note that we only provide our Site for domestic and private use. You agree not to use our Site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

If defective digital content that we have supplied, damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation.


6.4 How we may use your personal information

We will only use your personal information as set out in our Privacy Policy.



7.1 Applicable Law

If you are a consumer, please note that these terms of use, their subject matter and their formation, are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

If you are a business, these terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

7.2 Complaints

We aim to provide you with access to our Site and its functions.  If you have any concerns with access to our Site please contact us using the contact details in the introduction of these Terms and Conditions.

We shall aim to resolve any complaint without undue delay.

7.3 Our trade marks are registered

Pragma Wealth Management logo used on our Site is a UK registered trade marks of Pragma Wealth Management. You are not permitted to use it without our prior written approval.