User terms

1. These are the SaidSo User Terms

1.1 In accordance with the following user terms (' SaidSo User Terms'), grants to you as an authorised user ('you') of this site ('website') certain rights (as set out below) and in return you agree to perform certain obligations.

1.2 SaidSo is a trading name of Chapters Financial Limited which is authorised and regulated by the Financial Conduct Authority for investment business in the UK. If you wish to verify the authorisation of SaidSo you may do so by conducting a free on-line search of the Financial Conduct Authority's Central Register, number 402899.

1.3 Please read these SaidSo user terms carefully. They are a legal document and, by your continued use of the website, you agree to be bound by these SaidSo user terms.

1.4 If you do not agree with these SaidSo user terms and do not wish to be bound by them, please exit this website and do not use the website in the future.

2. Durations of report writing process

2.1 For Stage 1 only, our objective is to achieve the target detailed of providing you with a bespoke financial planning report within 10 working days. We will email you to confirm your report is ready to view/download.

2.2 If we have to write to your existing insurance / investment / pension providers for information to complete our financial report to you then delays may occur that will inevitably lead to us being unable to meet our target timing. By proceeding with this service you understand and agree that the 10 working day turnaround time may be exceeded and that a report will be sent to you only when the information required is available.

2.3 If, however, we have the full information required to produce your financial planning report and are unable to produce the report within the time allowed (10 working days) we will refund £50.00 within 28 days of your payment being made (Limited to a single payment). We accept no other liabilities for delays incurred and this offer does not apply to stage 2 or 3.

2.4 A working day is defined as a weekday and does not include weekends or public holidays.

3. Licence to use material on the SaidSo website

3.1 SaidSo grants to you a personal, non-exclusive, non-transferable, royalty-free licence to use all the material on the website (including but not limited to: software, documentation, text, pictures, sounds, graphics, articles, video or audio clips, and advertising material) (' SaidSo material') on the basis set out in Clause 3.2.

3.2 You are entitled to view, copy, print, access, download and transmit (for the purposes expressly permitted in these SaidSo user terms) and store the SaidSo material for your own personal, non-commercial use provided that you do not:

3.2.1 Remove any notices relating to the ownership of copyright or other intellectual property rights in the SaidSo material;

3.2.2 Modify, translate, reverse engineer, reproduce, decompile, disassemble (except as expressly permitted by law) or create derivative works of any of the SaidSo material;

3.2.3 Rent, lease, sub-licence, loan, copy or give or transfer any rights in the SaidSo material in any form, to any person or entity without the prior written consent of SaidSo.

3.3 Any product, process or technology referred to in the SaidSo material may be subject to other intellectual property rights of SaidSo and are not made available hereunder.

4. Ownership of Intellectual Property Rights

4.1 Notwithstanding the limited rights granted to you in accordance with Clause 2, SaidSo or other third parties which licence such material to SaidSo, retain their ownership, title and interest in the intellectual property rights contained in the SaidSo material including but not limited to copyright, database rights, trade marks, patents, service marks, design rights (whether registerable or otherwise) know-how, trade or business names, domain names, goodwill associated with any of the foregoing and other similar rights or obligations whether registerable or not in any jurisdiction in the world.

4.2 You agree that any material (including any intellectual property rights in such material), including but not limited to material which may be sent via any chat services, bulletin boards, competitions or articles submitted for publication or similar services offered via this website ("Website Services") on the website or in using any of the website services ("User Generated Content") may be retained as the property of SaidSo. SaidSo shall have no obligations with regard to the user generated content, or monitor the user generated content to ensure that it complies with applicable laws or regulations. You remain solely responsible for the user generated content in accordance with Clause 6.

4.3 SaidSo has trademarks in its name. All other product names and company logos mentioned in the information, documents or other items provided or available on this website may be the trademarks of their respective owners.

5. Duration of SaidSo user terms and termination

5.1 These SaidSo user terms are binding upon you immediately. You accept them by your use of this website, and they will remain in force until the earlier of the following:

5.1.1 You breach any of the terms of the licence granted to you in accordance with Clause 2;

5.1.2 SaidSo terminates these SaidSo user terms by notice to you at any time in accordance with Clause 9.2; or

5.1.3 You terminate these SaidSo user terms by notice to SaidSo at any time in accordance with Clause 9.1.

5.2 In the event that these SaidSo user terms are terminated for any of the reasons stated above, you agree to comply with the following obligations:

5.2.1 The licence granted to you in accordance with Clause 2 shall be terminated forthwith and you shall have no further rights to use the SaidSo material;

5.2.2 you must delete or destroy any of the SaidSo material stored by you in electronic or hard copy form as soon as reasonably practicable; and

5.2.3 you will have no further rights to access or use the website or the website services.

6. SaidSo's Responsibilities

6.1 SaidSo undertakes to use commercially reasonable endeavours to prevent breaches of security of the website.

6.2 SaidSo makes no representation or warranty that the website or website services will be accessible, or useable by you or error free. SaidSo uses reasonable efforts to include accurate and up-to-date information on the website. The information, documents or other items provided or available on this website could include technical inaccuracies or typographical errors. SaidSo makes no warranties or representations as to its accuracy. SaidSo assumes no liability or responsibility for any errors or omissions in the content on the website.

6.3 SaidSo reserves the right, without notice to you, to remove any SaidSo material from the website or to suspend or alter the operation of the website or any website services, at its sole discretion or for legal or technical reasons. SaidSo will give you as much notice as possible prior to taking any of the actions described in this Clause, but prior notice may not always be feasible for a variety of reasons. SaidSo may make improvements and/or changes to the information or documents provided or available on this website at any time

7. Your Responsibilities

7.1 You agree that you are responsible for the security and use of any user names or passwords needed to access or use the website or any website services. You must take all reasonable steps to ensure that these user names and passwords are kept confidential and secure and you do not allow any unauthorised person to access the website or any of the website services using your user name or password.

7.2 You agree that you will not use the website or any of the website services as follows:

7.2.1 to send, receive, upload, download, store, use, distribute or publish any material that is offensive, abusive, indecent, defamatory, obscene, or in breach of any other person's intellectual property rights or breaches any obligation of confidentiality by which you are bound;

7.2.2 to send or distribute multiple unsolicited emails or messages ('Spam') or to cause any other person annoyance, inconvenience or worry;

7.2.3 for any purposes connected to any business, including sending any unsolicited advertisements or promotional material.

7.3 You agree to indemnify SaidSo against any claims, costs, expenses or legal proceedings caused as a result of your use of the website or website services in contravention of Clauses 7.1 and 7.2. Further, in these circumstances, SaidSo shall be entitled to treat the contravention as a material breach of these SaidSo user terms and terminate the SaidSo user terms and any access permission granted to you by SaidSo forthwith, without notice to you.

8. Consent to Use of Your Personal Information

8.1 For the purposes of the Date Protection Act 1998, you acknowledge that in the course of registering and using this website and the website services, certain personal information or data about you will be captured electronically or otherwise and transmitted to SaidSo. By accepting these SaidSo user terms, you expressly agree to transfer such personal information or data to SaidSo to use, store and process the personal information in accordance with the provisions set out in the SaidSo privacy policy.

9. Complaints

It is our intention to always provide the highest quality level of advice and service. If however you become dissatisfied with our provision of, or our failure to provide, a financial service, and you wish to register a complaint please contact Keith G Churchouse FPFS, at Chapters Financial Limited, Hadleigh House, 232 High Street, Guildford, Surrey, GU1 3JF, telephone (01483) 578800. Your complaint will be investigated in accordance with the firm’s complaints handling procedure, a copy of which will be supplied to you. If you are not happy with the way we have carried out our investigation or the result, you may be entitled to refer it to the Financial Ombudsman Service (FOS). Further information about the FOS is available from their website

10. Disclaimers

10.1 You accept that it is reasonable that, to the maximum extent permitted by law, all representations, conditions, warranties and other terms whether implied by statute, common law, course of dealing or otherwise are excluded.

10.2 Nothing in these terms of use limits SaidSo's liability to you for death or personal liability caused by SaidSo's negligence.

10.3 SaidSo hereby disclaims any liability to any person for any kind of loss or damage including, but not limited to, any special, incidental, indirect or consequential loss or damages caused by errors or omissions in the information or other items provided or available herein, whether such errors or omissions result from negligence, accident or any other cause.

10.4 To the extent that SaidSo is deemed by a court of competent jurisdiction to have any liability to you in contract, tort (including negligence) or otherwise in relation to this website or the website services, SAIDSO's entire liability shall be limited to £1,000 (one thousand pounds) for any one incident or series of related incidents and up to £5,000 (five thousand pounds) for all incidents in any period of 12 months.

10.5 This website may contain links to third party websites which are controlled and operated by parties other than SaidSo ("Third Party Consent Providers"). The links will let you leave the website and SaidSo is not responsible for any contents of any linked website or any link contained in a linked website. The inclusion of any link on the website does not imply endorsement by SaidSo of the linked website or products or services offered via the linked website. If you decide to access linked third party websites, you do so entirely at your own risk. SaidSo is providing these links only as a convenience, and the inclusion of any links does not imply endorsement by SaidSo of the website or its contents. We are not responsible for their content.

11. Notices

11.1 You may send a legal notice to SaidSo, or any questions you may have concerning these SaidSo user terms by contacting SaidSo via this link. (Link needs to be updated) Such notices will be effective within three days of receipt by SaidSo.

11.2 SaidSo may send you notice by general notice on this website, by e-mail to your e-mail address on record with SaidSo, or by post to the geographical address on record with SaidSo. Such notice will be effective if sent by e-mail or posted on the website, one day from the date it was sent or posted on the website. If sent by regular post, it will be effective three days after posting by SaidSo.

12. General

12.1 SaidSo reserves the right to add to or change the terms of these SaidSo user terms in its sole discretion without prior notice to you. All changes to the SaidSo user terms will be effective once posted on the website. SaidSo will provide notice of the changes to the SaidSo user terms for a reasonable time after posting the amended SaidSo user terms on the website. Your continued use of the website or the website services following SaidSo 's posting of such changes will be regarded by SaidSo as acceptance of the amended SaidSo user terms. If you do not agree to be bound by the amended SaidSo user terms you should exit the website and not access or use the website in the future.

12.2 If any part of these SaidSo user terms is held by a court of competent jurisdiction to be unenforceable, the validity of the remainder of these SaidSo user terms will not be affected.

12.3 If SaidSo is unable to perform any obligation under these SaidSo user terms because of a matter beyond its reasonable control (including but not limited to); fire, flood, war, explosion, civil disorder, or other disasters or governmental laws or regulations imposed after the fact, or events beyond the reasonable control of SaidSo, SaidSo will have no liability for that failure to perform.

12.4 Any person who is not a party to this Agreement has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this Agreement but this does not affect any right or remedy of a third party which exists or is available apart from that Act.

12.5 Unless otherwise specified on this website, the SaidSo materials available on this website are directed solely at those who access the website from the United Kingdom. SaidSo makes no representation that any SaidSo material is appropriate for use elsewhere, or available in other locations. Those who choose to access this website and the website services from any other location are solely responsible for compliance with local laws and regulations if, and to the extent, that they are applicable.

12.6 These SaidSo user terms are governed by the laws of England, and subject to the non- exclusive jurisdiction of the English Courts.

  • is a trading name of Chapters Financial Limited which is authorised and regulated by the Financial Conduct Authority. Chapters Financial Limited is entered on the Financial Conduct Authority Register ( under reference 402899.
  • SaidSo is a trademark of Chapters Financial Limited.
  • The Financial Conduct Authority does not regulate taxation and trust advice and will writing/estate planning.
  • This Internet site is directed to UK residents only and not suitable for US citizens.
  • Please ensure you read our User Terms and Privacy statement.