We offer you access to this site and or any part of our platform (“our site”) only on condition that and for so long as you continue to adhere to all of these terms and conditions (“Terms of Use”). These Terms of Use include our Privacy Policy. Please read these Terms of Use carefully before you start to use our site, as these will apply to your use of our site.
If you also register on this site for any reason you confirm that:
any information you provide to us through this site, including any personal information (“Personal Information”) is true, accurate, current and complete in all respects;
you will notify us immediately of any changes to the Personal Information by contacting us by email, at contact@akonihub.com you confirm that you are at least 18 years of age
you confirm that if you are using our site for a company, partnership or other legal entity (whether or not it is your employer), you are fully authorised to do so;
you agree not to impersonate any other person or entity or to use a false name;
you will treat any log in and password or other security details used for that registration as confidential and not disclose or share it with any other person.
If you also register on this site for any reason (such as to access other parts of the site or additional functionality or services) you will be asked as part of that registration process to agree to additional terms and conditions (such as a client agreement) and/ or charges relevant to the functionality, services and/ or access concerned and related additional privacy policy details (“Added Terms”). The Added Terms will then be legally binding in addition to these Terms of Use in relation to your use of any part of the site or services for which that registration is required . In the event that there is a conflict between a provision of these Terms of Use and any Added Terms then the relevant provision of the Added Terms shall be decisive.
How you may use our site. We hereby grant you a licence to use our site as set out below. We may at any time revoke this licence, and will do so entirely at our discretion, and without any requirement to notify you in advance, in the event we are concerned that you are in breach of any part of these Terms of Use.
All visitors, (including registered users and clients) may without logging in to a secure part of the site:
When using our site in this way you may not rely on any of the information provided as advice and we do not offer you any financial, regulatory, tax or other advice. Nor will we undertake or arrange any financial transactions on your behalf.
Registered users and clients: In addition to the acceptable uses described above, at any time when you have used the registration details to login to part of our site you may also:
You may use our site only for lawful purposes.
You may not use our site:
Changes to these Terms of Use: We may revise these Terms of Use at any time by amending this page. Please check this page from time to time to take notice of any changes we made, as they are binding on you.
Changes to our site: We may update our site from time to time, and may change the content at any time. However, please note that any of the content on our site may be out of date at any given time, and we are under no obligation to update it. We do not guarantee that our site, or any content on it, will be free from errors or omissions.
Accessing our site: Access to our site and much of its functionality is made available free of charge to visitors, users and clients. Please note however, that we also use this site to offer a range of services on a commercial basis subject in each case to our relevant charges and client agreement. The range of functionality and content which is available free of charge will change from time to time and where we propose to start charging fees for any such functionality or content we will provide advance notice of this change in our offering. We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. Access to our site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason our site is unavailable at any time or for any period.
You are responsible for making all arrangements necessary for you to have access to our site. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of and comply with these Terms of Use, and where relevant the Added Terms.
Our site is directed to people and businesses residing in the United Kingdom. We do not represent that content available on or through our site is appropriate or available in other locations. We may limit the availability of our site or any service or product described on our site to any person or geographic area at any time. If you choose to access our site from outside the United Kingdom, you do so at your own risk..
Visitors who complete the 'Get Started' form/questionnaire will be pre-registered for the first stage of becoming a free user on the Akoni platform. Each such visitor after completing the 'Get Started' form/questionnaire will receive a 'Set Your Password' email which will require them to set their own password. Such visitors can choose to ignore this email but will only have access to a free user dashboard if they respond to the email (as directed) and set their password.
Registration Security: 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, you must treat such information as 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. If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at security@akonihub.com
Intellectual property rights: We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it and in all materials, including but not limited to reviews and reports which we make available to you on the site or in any other way (such as by email delivery). Those works are protected by copyright laws and treaties around the world. All such rights are reserved. You must comply with the Acceptable Use and Prohibited Use policies set out above. 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.
Uploading content to our site: Whenever you make use of a feature that allows you to upload content to our site, or to contact other users of our site, you must comply with the content standards set out in the Acceptable Use section above and you warrant that all such content does comply with those standards, and you will be liable to us and indemnify us for any breach of that warranty. This means you will be responsible for any loss or damage we suffer as a result of your breach of warranty
Please be aware that all such 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. 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 will not be responsible, or liable to any third party, for the content or accuracy of any content posted by you or any other user of our site.
Where any views are expressed by other users on our site those views do not represent our views or values. You are solely responsible for securing and backing up your content, including where relevant copies of any reports and reviews generated by you using our site.
No reliance on information: The content on our site is provided for general information only. We will from time to time offer the facility to generate reviews and reports relevant to your business which will allow you the opportunity to consider a combination of data about your business, and/ or various reported or potential economic performance indicators and/or with particular focus on geographic regions and economic sectors. In the same manner as all other content on our site we make these reports and reviews available to you for your interest and consideration. 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.
This includes data about financial products, economic conditions and expectations (both in relation to various economic sectors and geographical regions) which we source from third party providers. We publish this data and reviews and reports generated using this data under licence from the various providers and have taken some care to select reliable providers, however, we cannot take responsibility for errors included in that data. Also, when generating reviews and reports we do not obtain or take account of all relevant data. 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.
Open Banking Data: Some of the reviews and reports which we are able to offer ( currently these relate mainly to our Trade offering) require the integration of what is known as “Open Banking Data” from your bank account(s). If this is required for the purpose of any review or report, on the first occasion that you request that review or report we will ask you to provide your consent to us having access to your bank account data. This consent will be provided to your bank and we will not obtain access to your account data until that is done. Your consent does not allow us to make payments from your account. You may withdraw your consent for us to access your account data at any time by contacting us at contact@akonihub.com or by contacting your bank to instruct them that you have withdrawn your consent. [Our use of your opening banking data will be in accordance with the requirements of the Financial Conduct Authority and will be automated and for the purpose of obtaining data relevant to the production of the review or report you have required and/ or for updating and/ or refining any such reviews and reports and ongoing assessments which we provide on our site. If you require further details of the Financial Conduct Authority’s regulation of Opening Banking Data you may find this link helpful
Credit facilities: For those registered users and clients who use the Trade section of our site we may from time to time partner with providers of credit facilities, and will from time to time (offer you the option to make an enquiry with such providers direct from our site and where you take this option we will provide your details including reports generated for you), to the relevant provider (s) so that they may then assess and respond to your enquiry / provide your details [including reports generated for you,] to such providers so that they may offer you relevant credit facilities if they consider it appropriate to do so]. Whilst we wish only to do business with reputable companies the fact that we make such introductions does not amount to an endorsement or recommendation by us of the provider, of their credit products or of their suitability for you and you must always obtain appropriate professional advice before concluding any such borrowing agreement.
Limitation of our liability: Nothing in these terms of use excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.
To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our site or any content on it, whether express or implied.
We will not be liable to any user 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: i) use of, or inability to use, our site; or ii) use of or
reliance on any content displayed on our site, including but not limited to any reviews and reports generated at your request and displayed on our site, or downloadable from our site or delivered by us through any other medium.
If you are a business user, please note that in particular, we will not be liable for: or i) loss of profits, sales, business, or revenue; or ii) business interruption; or iii) loss of anticipated savings; iv) loss of business opportunity, v) goodwill or reputation; or vi) any indirect or consequential loss or damage.
If you are a consumer user, please note that we only provide our site for your domestic and private use and 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.
We will not be liable for any loss or damage caused by a virus, distributed denial-of- service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any content on it, or on any website linked to it.
We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.
Different limitations and exclusions of liability will apply to liability arising as a result of the supply by us to you of any services and or goods and these will be set out in the relevant Added Terms.
Suspension and termination: We will determine, in our discretion, whether there has been a breach of any part of these Terms of Use and where we consider this has or may have occurred we may take such action as we deem appropriate.
Failure to comply with any part of these Terms of Use may constitute a material breach of these Terms of Use and may result in our taking all or any of the following actions:
We exclude liability for actions taken in response to breaches of these Terms of Use policy. The responses described in this policy are not limited, and we may take any other action we reasonably deem appropriate.
If you are a registered user or client and wish to stop using any part of our site, subject to any relevant Added Terms you may do so. Subject to any relevant Added Terms we will not be obliged to provide you with a copy of any content which is stored in our site in relation to your profile or to retain that content after you have terminated your registration or client agreement with us.
Viruses: 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 in order 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 which 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 would 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.
Linking to our site : You must not establish a link to our site without our prior written permission. If you wish to link to our site or make any use of content on our site other than that set out above, please contact admin@akonihub.com
Third party links and resources in our site: Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and we have not made any suitability assessment on your behalf. So, by providing a link we are not in any way endorsing that site, its content, or providing any recommendation or advice that you do business with the owner, or that any of its products or services will be suitable for you.
Applicable law: If you are a consumer, please note that these terms of use, its subject matter and its formation, are governed by English law. You and we both agree to that the courts of England and Wales will have non-exclusive jurisdiction. However, 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 formation (and any non-contractual disputes or claims) are governed by English law. You and we both agree to the exclusive jurisdiction of the courts of England and Wales.
Information about us: this site operated by Akoni Hub Limited, a private company limited by shares and registered in England and Wales (company number: 10462207 and its registered office address is: 77 Cornhill, London EC3V 3QQ, United Kingdom.
Akoni Hub Limited is authorised and regulated by the Financial Conduct Authority. FCA registration number 766340. You may check the details of our authorization by referring to the online register that the Financial Conduct Authority maintains at https://register.fca.org.uk/
The Data Controller is Akoni Hub Limited and we are registered for the purposes of the Data Protection Act 1988 with the Information Commissioner’s Office: Number ZA223483
Thank you for visiting our site.
These Terms of Use were last updated and revised on 12 October, 2018.