Terms and conditions
(Pia), whether as a guest or registered user. Use of Pia includes accessing, chatting to our assistant, browsing, or registering to use any of the elements of Pia.
Other applicable terms
Information about us
Pia is the trading name of OFF3R Ltd. yourpia.com
is a site operated by OFF3R Ltd (`we` or `us`). We are a company registered in England and Wales (company number 9663453) and our registered address is 29 Portland Place, London, W1B 1QB. Our VAT number is 221 3832 43.
Pia is an information site that lets investors learn about and compare investment opportunities and platforms; we are not an originator and we do not provide advice or recommendations in respect of any investment opportunity listed by our partner platforms.
We are not subject to schemes which seek to redress failings in financial services such as, in the United Kingdom, the Financial Ombudsman or the Financial Services Compensation Scheme.
Your investment is not guaranteed by OFF3R Ltd., and you should not invest more money through any of our partners than you can afford to lose without altering your standard of living. You should consider carefully whether an investment is suitable in light of your personal circumstances, and if you are unsure whether an investment is suitable for you, please seek independent financial advice.
How do we make money?
Pia is made available free of charge. We do not charge you anything for this service and our partner platforms cannot pay for advertising space on Pia. We have commercial relationships with some of the partner platforms that are listed on Pia. If you use Pia to make an investment with one of our partner platforms, that partner platform may pay a fee to us based upon your activity, including if you register or make an investment.
We are committed to providing unbiased, transparent and objective information about the investment sector to help you better understand investing. We will not alter the ordering of investment providers nor the information we present to you on Pia based on the amount the partner platform pays us if you go on to register or invest with them.
In what territories can you use Pia?
Pia are directed to people residing in the United Kingdom. We do not represent that content available on or through Pia is appropriate, available or otherwise approved for distribution in other locations. We may limit the availability of Pia or any service or product described on Pia to any person or geographic area at any time. If you choose to access Pia from outside the United Kingdom, you do so at your own risk.
Changes to Pia
We may update Pia from time to time, and may change the content at any time. However, please note that any of the content on Pia may be out of date at any given time, and we are under no obligation to update it. We do not guarantee that Pia, or any content on it, will be free from errors or omissions.
Your account and password
Intellectual property rights
You must not:
● disassemble or attempt to reverse engineer any software in Pia, except as permitted by law;
● copy, distribute or communicate to the public content from Pia or seek to copy, remove or alter any regulatory notices, trade marks, logos or business names from Pia; or
● use a program or application to scrape, copy or index the content from Pia.
No reliance on information
The content on Pia 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 Pia. Although we make reasonable efforts to update the information on Pia, we make no warranties or guarantees, whether express or implied, that the content on Pia is accurate, complete or up-to-date.
Third party links and resources in Pia
Pia contain links to other sites and resources provided by third parties. We have no control over the contents of those sites or resources and they will be governed by separate terms and conditions. We do not accept responsibility or liability for the content of any third party website, including whether or not any financial promotion is clear, fair and not misleading, as this is outside our control. You should ensure that you understand the regulatory notices, terms and conditions and privacy policies of any third party website which you might be agreeing to. We check our partner platforms are regulated but you may wish to check the entity you are dealing with is properly regulated, for example in the United Kingdom by the Financial Conduct Authority. You can do this by checking the Financial Services Register on the FCA’s website
Limitation of our liability
● were not foreseeable to you and us when this contract was formed; or
● that were not caused by any breach on our part; or
● loss of capital or investment opportunity or return;
● business losses; or
● losses to non-consumers
Arising under or in connection with:
● use of, or inability to use, Pia; or
● use of or reliance on any content displayed on Pia.
You agree not to use Pia 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 Pia 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 Pia. 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.
We do not guarantee that Pia 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 Pia. You should use your own virus protection software. You must not misuse Pia 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 Pia, the server on which Pia is stored or any server, computer or database connected to Pia. You must not attack Pia 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 Pia will cease immediately.
Linking to Pia
You may link to our home page or another page on Pia, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.The link must be a follow link and 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 Pia in any website that is not owned by you. Pia must not be framed on any other site. We reserve the right to withdraw linking permission without notice. If you wish to make any use of content on Pia other than that set out above, please contact firstname.lastname@example.org
If we provide you with, or sell to you, any digital content on Pia you may have certain rights under the Consumer Rights Act 2015, including a right to cancel an order. You will not be able to cancel an order for digital content once a download has commenced. We will acknowledge orders by email but in certain circumstances we do not have to accept an order. All digital content will only be provided in English. If we are unable to resolve any dispute with you, you may use the online dispute resolution (ODR) platform available on the Your Europe portal. The ODR platform only relates to additional services we may agree to supply and is not applicable to your use of Pia generally.
Pia is a UK registered trade mark of OFF3R Ltd.
Thank you for using Pia