Terms of Use

Your terms and conditions for accessing your Lowes Online Valuation Report.

References to "you" or "your" are references to any person accessing this website ("site").

References to "we", "us" or "our" are references to Lowes Financial Management Ltd.

Company Information

Lowes Financial Management is Authorised and Regulated by the Financial Conduct Authority. 114650.

Registered office: Fernwood House, Clayton Road, Newcastle upon Tyne, NE2 1TL.

Site Terms

These terms and conditions govern your use of this site and by accessing this site you agree to be bound by them. All Lowes services are also subject to separate terms and conditions which govern their use. We reserve the right to change these terms and conditions at any time without notice by updating this posting, and your continued access to or use of this site will constitute your acceptance of any such changes.

Use of Site

We may in our sole discretion terminate your access to or use of this site for any reason, including without limitation where we believe that you have not acted in accordance with the terms and conditions of this site. Copyright, all rights reserved.

The entire content of this site is subject to copyright with all rights reserved and the information held is for your personal use only. You may not download (all or in part), transmit or modify the site without our prior permission. However, you may print out part or all of the site for your own personal use.

Third-party products and services

Where addons to your browser may provide hypertext links to third-party internet websites, such links are not an endorsement by us of any services in such websites. You use such links entirely at your own risk and we accept no responsibility or liability for the content, use or availability of such websites. We have not verified the truth or accuracy of any content of such websites.

No third party is permitted to link any other website to this site without obtaining our prior written consent.

No warranty

Although we have taken all reasonable care to ensure that the information provided on this site is accurate, we give no warranties of any kind, express or implied, with regard to the accuracy, timeliness or completeness of any such information.

Opinions and any other contents at the site are provided by us for personal use and informational purposes only and are subject to change without notice.

Nothing contained on the site constitutes investment, legal, tax or other advice and is not to be relied on in making an investment or other decision. You should obtain relevant and specific professional advice before making any investment decision.

No liability

We will accept no liability in any event including (without limitation) negligence for any damages or loss of any kind, including (without limitation) direct, indirect, incidental, special or consequential damages, expenses or losses arising out of, or in connection with your use or inability to use the site, or in connection with any error, omission, defect, computer virus or system failure, or loss of any profit, goodwill or reputation.

We reserve the right to modify, suspend or discontinue, temporarily or permanently, the site or any part of it, with or without notice, at any time. You agree that we shall not be liable to you or to any third party for any such modification, suspension or discontinuance of the site.

Valuation reports

The aim of the reports is to provide an overview of your current holdings and should not be seen as a replacement for the valuation reports you will receive directly from each investment provider. Whilst we endeavour to keep our records as accurate as possible, errors do occur. If you believe our records do not accurately reflect your holding, other than in respect of a small unit difference as explained above, then please advise us so that we can investigate the matter and make any necessary corrections.

Please refer to the product provider's own valuation and literature for further information.

Past performance is not an indication of future performance.

The values we provide are often reliant upon the number of units held and the unit price. Whilst we automatically download most current prices on a daily basis, we still rely on each product provider to keep us informed of the number of units held. Providers that do not supply us with a data feed typically inform us of the current unit allocation on an annual or biannual basis. However, if their statements do not match our valuation date, the number of units shown on our valuation may differ from the exact number held.

Small reductions in units between this and the previous portfolio valuation, are typically the function of platform and other charges being deducted.

The information shown in current valuations is based on values as at the end of the previous day and are not updated live.

The information shown in six-monthly reports is based on snapshots taken at the beginning and end of the relevant six month period. Any ongoing transactions, particularly any applications processed within the the week preceeding the end snapshot, may not be fully reflected in the valuation and changes since that snapshot will not appear at all.

Some policies may not show any underlying fund or value. This may be because the policy does not accrue a value, the policy may be invested in an underlying fund which we are unable to track, or the provider will not provide regular updates or information to us.

Withdrawals may not include natural income paid out from investments in your portfolio.

For With-Profits investments the values shown do not include Market Value Reductions or Terminal Bonuses.

Should you have any queries regarding your valuation reports please do not hesitate to contact us at admin@Lowes.co.uk.

Governing law

English law governs these terms and conditions and you agree that the English Courts shall have exclusive jurisdiction to determine any matter or dispute in connection with or arising out of this site and these terms and conditions.

This site is designed for use in the UK and is not directed to, nor intended for distribution or use by, any person or entity in any jurisdiction or country where the publication or availability of this site or such distribution or use would be contrary to local law or regulation. If you choose to access information on this site, it is your responsibility to comply with the applicable local, national or international laws and any use of this site outside the UK is entirely at your own risk. For guidance relating to your specific situation, please contact your legal adviser.

The service represented within this site are intended for UK clients only.