Terms and Conditions

Please read carefully the following Terms and Conditions. They apply to the Website (as defined below), which is owned and operated by Sesame Bankhall Group Limited and, by accessing the Website, you are agreeing to abide and be bound by such Terms and Conditions.​

No charge is made for your use of the Website (unless otherwise stated), although you should be aware that telephone call charges, at rates determined by your telephone operator, may apply.

1. Definitions

In these Terms and Conditions, the following terms shall have the meanings set out below:

“Sesame Bankhall Group Limited” means Sesame Bankhall Group Limited, the holding company of Sesame Limited, Bankhall Support Services Limited (trading as Bankhall, Bankhall Online) Premier Mortgage Service Limited (trading as PMS) and Sesame General Insurance Services Limited (trading as Sesame Insure) and any subsidiary from time to time of Sesame Bankhall Group Limited, also referred to as “we”, “us” and “our”. Holding company and subsidiary shall be construed in accordance with sections 1159 and 1160 of the Companies Act 2006.

“Website” means the Industry Panel for Financial Advice Website operated by Sesame Bankhall Group Limited.

2. Acceptable Use Policy

You agree to abide by all applicable laws, regulations and codes of conduct and ensure that any content uploaded or distributed or stored by you does not infringe the rights of others.

All material on the Website and any material sent to you by e-mail or any other form from the Website (the “content”) or in any way relating to the Website belong to our licensors or us. You may retrieve and display content from the Website but only strictly in accordance with our terms of supply with you.

You may not do any of the following without prior written permission from us:

• reproduce other than allowed under the Acceptable Use Policy, modify any of the content;
• redistribute any of the content (including using it as part of any library, archive or similar service);
• remove the copyright or trade mark notice(s) from any copies of content;
• create a database in electronic or structured manual form by systematically downloading and storing all and any of the content.

You may not use our trademarks without our prior written permission, and then only in accordance with the rights you have been granted.

Other product and company names and logos mentioned or displayed on the Website may be the trademarks, service marks or trading names of third parties.

In accessing the Website, you agree not to:

• impersonate another person or use a false name or a name you are unauthorised to use or create a false identity or e-mail address or try to mislead others as to the identity or origin of any communications;
• modify, access or make available data stored on a computer device which you have accessed through our network;
• make available or upload files that contain software or other material, data or information not owned or licensed to you or collect information about others (eg names/addresses) without their prior consent;
• damage, interfere with or disrupt access to the Website or do anything which may interrupt or impair their functionality;
• make any commercial or business use of the Website or resell or commercially benefit from any part or aspect of the Website;
• publish, post, distribute, disseminate or otherwise transmit defamatory, offensive, infringing, obscene, indecent or other unlawful or objectionable material or information;
• threaten, harass, stalk, abuse, disrupt or otherwise violate the rights (including rights of privacy and publicity) of others;
• make available, upload or distribute by any means any material or files that contain any viruses, bugs, corrupt data, “trojan horses”, “worms” or any other harmful software;
• falsify the true ownership of software or other material or information contained in files made available via the Website;
• obtain or attempt to obtain unauthorised access, through whatever means, to the Website, other services or computer systems or areas of our or any of our partners' networks;
• set up links from any website controlled by you to the Website, except to the home page, without our express written permission;
• abuse or misuse the Website in any other way;
• assist others to do any of the above.

We retain the absolute right to prevent you from accessing the Website, without prejudice to any of our accrued rights, where we in our sole discretion consider it right to do so or we consider in our sole discretion that you are contravening our Acceptable Use Policy or any other term or condition of these Terms and Conditions.

3. Registration

Where parts of the Website require that you register in order to use them, you are obliged to provide accurate and complete registration information. It is your responsibility to update and maintain any changes to that information (including your e-mail address) by altering your details as appropriate.

Registration is for a single user only. On registration, where required, you will be issued with a user name and password. You may contact us to change the password to one of your choice.

We do not allow any of the following:

• any other person sharing your user name and password; and/or
• access through a single user name and password being made available to multiple users on a network.

Should a user forget their password, a new one will have to be created.

4. E-mail Policy

We reserve the right to take such action as we in our sole discretion deem fit in respect of any electronic mail (“e-mail”) which contains threatening, abusive, malicious, pornographic, obscene, defamatory or otherwise illegal or inappropriate material.

5. Intellectual Property Rights

We, or our licensors, own the copyright and all other intellectual property rights associated with the content save where otherwise stated.

Nothing in these Terms and Conditions or in respect of your use of the content, the additional services and/or any third party services shall vest any intellectual property rights in such services in you. You have no right or licence to modify, enhance, alter, change or create any derivative works in respect of any of the content in which intellectual property rights subsist in respect of the Website, any additional services and/or any third party services. Should you use any intellectual property rights subsisting in any content or any third party services other than in accordance with these Terms and Conditions, any intellectual property rights subsisting in any content created as a result shall vest in the Sesame Bankhall Group Limited (where Sesame Bankhall Group Limited owns the intellectual property rights in the underlying material) or the relevant third party (where it owns the intellectual property rights in the underlying material).

You shall take all reasonable steps to assist us and any third party licensor in the protection of intellectual property rights associated with the content in a prompt and timely manner at your sole cost and expense, including:

• notifying us immediately if you become aware of the misuse of the content, any user name and/or password in any way by any third party; and
• notify us immediately if any third party makes or threatens to make any claim or legal proceeding relating to your use of the content.

6. Liabilities

You agree that we have no control over third party content and information which can be accessed using the Website and that we do not examine or edit the use to which you or others put the Website or the nature of the content or information being accessed and that we are excluded from all liability of any kind arising from such content or information. You agree that except for death or personal injury arising through our negligence, to the fullest extent permitted by law, we exclude any liability whatsoever for any loss or damage arising from use of the Website. You furthermore agree to indemnify us in the manner set out in clause 6 below in relation to your use of the Website.

We take all such steps as are reasonably necessary to provide a fast and reliable website, but exclude to the fullest extent permitted by law any liability for the security of the services on the Website or for any disruption of the Website however caused, loss of or corruption of any material in transit, or loss of or corruption of material when downloaded onto any computer systems.

We provide access to the Website on an “as is” basis and make no representations or warranties of any kind as to the Website or the content. We make no representations or warranties about the accuracy, completeness or suitability for any purpose of the content published on the Website. Any liability, however it occurs, for any such inaccuracies or errors is expressly excluded to the fullest extent permitted by law.

A person who is not a party to this Agreement may not exercise any rights under the Contracts (Rights of Third Parties) Act 1999.

7. Indemnity

You agree to indemnify and hold us and any of our officers, employees and agents harmless from and against all and any expenses, losses, liabilities, damages, costs or expenses incurred or suffered and any claims or legal proceedings which are brought or threatened, in each case arising from your use of, or conduct on, the Website and/or a breach of the Acceptable Use Policy and/or any of these Terms and Conditions.

8. Software and Security

We are not responsible for any technical or other issues that may arise if you download software from an external third party website (eg Acrobat Reader) or upgrade your browser software to enhance your usage of the Website.

9. Changes to these Terms and Conditions

We reserve the right to make changes to any part of the Website. Due to our policy of updating and improving the Website, it may therefore be necessary to change these Terms and Conditions.

If you use the Website after we have published such changes, you will be agreeing to be bound by those changes. If you do not agree to be bound by them, you should not use the Website.

10. Advertising and Sponsorship

The Website may contain advertising and sponsorship. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion on the Website complies with applicable laws, codes and regulations. We exclude to the fullest extent permitted by law any responsibility for any error or inaccuracy appearing in any advertising or sponsorship material.

We do not allow third parties to use cookies if they advertise on our Website and microsites. If you suspect or have reason to believe that an advertiser has used a cookie or any invisible processing in conjunction with an advertisement please let us know.

11. Termination

We may terminate the provision the Website or restrict your access to them without any prior notice to you where (by way of example and without limitation):

• there is a regulatory or statutory change limiting our ability to provide the Website;
• any event beyond our reasonable control prevents us from continuing to provide the Website; or
• we consider in our sole discretion that it is necessary to do so or you are otherwise acting in breach of these Terms and Conditions.

12. E-commerce

Your dealings with any third parties, in particular advertisers and/or merchants, via the Website, and any terms or conditions agreed with, or representations given by, such third parties, are solely between you and such third party. You agree that we are not liable for such dealings, and you agree to indemnify us in the manner referred to in clause 6 above in relation to such dealings.

13. Choice of Law and Jurisdiction

These Terms and Conditions shall be governed by and interpreted in accordance with the laws of England and Wales and you irrevocably agree that the courts of England shall have exclusive jurisdiction to settle any dispute which may arise out of, under, or in connection with, these Terms and Conditions.

14. Confidentiality

Throughout the duration of these Terms and Conditions and after the termination or expiry of these Terms and Conditions for any reason, you:

• shall not use any information disclosed (whether in writing, orally or by another means and whether directly or indirectly) by us to you at any time including information relating to or derived or made available through the content (including operations, processes, plans or intentions), know-how, design rights, trade secrets, market opportunities and business affairs which are marked as being ‘confidential’ or which you ought to treat as being confidential by virtue of their nature or the nature of their disclosure (the “Confidential Information”) for a purpose other than the performance of your obligations under these Terms and Conditions;
• shall not disclose Confidential Information to any person except with our prior written consent; and
• shall make every effort to prevent the use or disclosure of Confidential Information.

You shall ensure the security of all Confidential Information by taking all reasonable steps to keep it secure including establishing and adhering to suitable internal procedures to ensure that all information is correctly stored and is not accessible by third parties who are not permitted to access such information in accordance with any data protection legislation. You shall immediately notify us if you become aware of any breach of this clause.

15. General

You may not assign, sub-license or otherwise transfer any of your rights under these Terms and Conditions. If any part of these Terms and Conditions is found to be invalid by any court having competent jurisdiction the validity of the remaining terms will be unaffected. If either party does not exercise any right or remedy under these Terms and Conditions, this will not be taken to mean that they have been waived.

16. Contact

If you have any queries concerning any part of these Terms and Conditions please contact us by email, using the address indicated in the Website to which your query relates.

17. Cookies

Please refer to the Privacy Policy. 

18. Data Protection

You shall comply with any obligations under the Data Protection Act 2018 (the “DPA”) and any applicable regulations in respect of any Personal Data and Special Category Data (as defined under the DPA) (the “Data”) which you submit to us.