Website Terms and Conditions of Use

Who We Are

We, FNZ (UK) Ltd a company incorporated under the Companies Acts with company number 05435760 and a member of the FNZ Group ("FNZ") operate this website.

Our registered office is at Suite 1, 3rd Floor, 11-12 St. James’s Square, London, SW1Y 4LB. Our principal place of business is at No 1 Tanfield, Edinburgh, EH3 5DA. Our telephone number is: +44 (0) 303 333 3330 and our VAT number is 251741518. We are a financial technology company.

Please remember that throughout these terms when we mention “we”, “us” or “our”, we mean FNZ. When we refer to “you” we mean the user of our website.

The FNZ Group includes: FNZ (UK) Ltd registered in England and Wales (05435760) Suite 1, 3rd Floor, 11-12 St. James’s Square, London, SW1Y 4LB, FNZ (UK) Ltd is authorised and regulated by the Financial Conduct Authority (438687); FNZ TA Services Limited registered in England and Wales (09571767) Suite 1, 3rd Floor, 11-12 St. James’s Square, London, SW1Y 4LB, FNZ TA Services Limited is an appointed representative of FNZ (UK) Ltd; JHC Systems Limited registered in England and Wales (08729370) Temple Point 6th Floor, 1 Temple Row, Birmingham, West Midlands, B2 5LG; FNZ (Europe) DAC registered in Ireland (657886) 10 Earlsfort Terrace, Dublin 2 D02 T380 Ireland; FNZ SA (Pty) Ltd registered under the laws of South Africa (2018/547997/07), 1st floor, Newport House, Prestwich Street, Greenpoint, western Cape, 8001; FNZ Limited registered in New Zealand (1797706) FNZ House, Level 3, 29A Brandon Street, Wellington, 6011 New Zealand; FNZ (Australia) Pty Ltd registered in Australia (138 819 119) Level 5, 37 Pitt Street, Sydney 2000; FNZ (Hong Kong) Limited registered in Hong Kong (1305362) 6A-1, Koshun House, 331 Nathan Road, Hong Kong; FNZ (Singapore) Services Pte. Ltd. registered in Singapore (201307199R) 61 Robinson Road, #13-03A, Robinson Centre, Singapore (068893); FNZ Group Services Ltd registered in the Cayman Islands (219442) PO Box 309, Ugland House, Grand Cayman, KY1 – 1104, Cayman Islands; and FNZ (China) Ltd registered in China (91310115MA1K3G4K6T) [中国(上海)自由贸易试验区祖冲之路1239弄1 号3 楼TC-335 和 TC-336 室

About these Terms and Conditions

You are reading the terms and conditions for the use of the website (which we refer to as "this website"). By using our site, you confirm that you accept these terms of use and that you agree to comply with them. Your acceptance of these terms and conditions is made by you using this website and is dated to your first use of this website. If you do not accept these terms and conditions or any part of them you should stop using this website immediately.

We reserve the right to make changes to these terms and conditions from time to time which will take effect from the date of posting on this website. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time. Your continued use of this website will constitute your acceptance of any changes to these terms and conditions.

We may also update and change our site from time to time to reflect changes to our products, our users' needs and our business priorities.

We may from time to time display additional terms and conditions on this website - for example in connection with a specific promotion or in connection with the sale of goods or services. If the terms and conditions for use of this website should conflict in any way with such additional terms then the additional terms will prevail.

About Copyright and other intellectual property rights in our Website

For the purposes of these terms and conditions the expression “Website Information” means the images, graphics, text, applets and scripts operating, operating in, or which form part of, this website.

All intellectual property rights (including, without limitation, copyright) in the Website Information are owned by FNZ or relevant third parties.

You may view Website Information in a web browser for private browsing purposes only. Copying Website Information into a computer cache or storage device for private on or off-line browsing purposes is also permitted. You may not make a copy of the Website Information or any part of it for any other purpose without our prior written consent, which may be granted at our sole discretion (or where we do not own the copyright, we will direct you to the owner themselves for such consent). Nothing in these terms and conditions or on this website constitutes a licence to use or copy the Website Information.

We may publish on this website images or text in which the copyright is not owned by us or which is not owned completely by us. Where this is done, and where practicable, we acknowledge the copyright owner.

About the Accuracy of the Website Information

This section should be read together with, and subject to, the section below entitled "Further Information About our Liability to You".

The Website Information is provided “as is” and we make no representation, endorsement or warranty as to its accuracy. We will not be liable for any action taken (or not taken) in reliance upon the Website Information and such action is taken entirely at your own risk. We reserve the right to make any changes to the Website Information without notice and without liability to you.

External websites to which we provide hypertext links are not under our control and we take no responsibility for them and shall not be liable in any way for their content.

This website, like any other, is susceptible to cyber-squatting and vandalism. We do not accept any responsibility for, nor liability in respect of, any information which appears on this website as a result of such actions.

Certain services provided by the website depend on information provided by you and those services depend on the accuracy of such inputted information. We can therefore accept no responsibility for, nor any liability in respect of, the input of inaccurate information to this website by you and/or any third parties.

Should you find any inaccurate information on this website or have any complaint about what we have published on this website please contact us by filling out the form at the following link:

We will investigate such reports or complaints on receipt and take such action which we, in our sole discretion, determine as being appropriate having regard to all the circumstances.

About the Internet, Service Interruption, Viruses etc.

We and all other web publishers have no control over the Internet, which is a global public network of computers and the method by which you access this website. As a consequence and in common with most web publishers we take no responsibility for service interruption or the transmission of viruses or other malicious computer code through this website.

About Personal Information and our Privacy Policy

We have a separate Privacy Policy which relates to our use of your personal information. We would encourage you to read our Privacy Policy. Our Privacy Policy is available on this website and can be found by clicking on the following link:

Further Information About our Liability to You

So far as lawfully possible, we exclude all liability to you in contract or delict or tort. We also exclude liability for any consequential or indirect loss which may be caused to you by us. Notwithstanding any other provision of these terms and conditions, nothing in these terms and conditions shall, or shall be construed as purporting to, exclude or restrict liability in respect of death or personal injury for breach of duty arising in the course of business or from the occupation of business premises.

About the Law relating to these Terms and Conditions

The laws of Scotland shall govern any interpretation of these terms and conditions. The Scottish courts shall have jurisdiction in any disputes between us in respect of these terms and conditions and the use of this website.

Cookie Information

This website makes use of cookies. Cookies are data held in your web browser. They do not in themselves identify who you are or your other personal data (ie your name, address, email address and similar information) to us. They do allow us to monitor your use of this website.

What is a cookie?

A cookie is a piece of data that is stored by a website within an internet browser. This data is then sent back to the same website by the browser. Cookies act as a reliable device for websites to remember things that an internet browser has done in the past – this includes clicking particular buttons, log in details, or having read pages on that site previously.

Typically, a cookie contains information such as the domain from which the cookie has come from, a value which is usually a random unique number as an identifier and the lifetime (expiry) of the cookie.

What will a cookie do for me?

Many websites offers advanced features - such as online ordering and custom content – these features and more basic features utilises cookies. FNZ uses cookies to track customer behaviours in using the website. Each website utilises unique cookies. Essentially this means that the cookies used by one site cannot be used by another.

The cookies we use are set out below:

Cookie Name



This is a strictly necessary cookie that must be present for the website to provide the basic functions of the website.


This is a strictly necessary cookie that is used to distinguish between humans and bots and protect the website from malicious use.


Mitigates cross site request forgery.


This cookie tracks information about how the Vimeo Service we use on the website is being used so that they can make improvements, report performance and statistics. For more info go to


This cookie is necessary to optimise the performance of the video player.


This cookie is necessary for the video player to function.

We also use Google Analytics cookies to help us measure how users interact with our website content and help us improve your future experience of this site. The Google Analytics cookies 'remember' what a user has done on previous interactions with the website. More details about Google Analytics can be found at this link - More details

Please note you may change your browser’s settings to delete cookies that have already been set and to reject new cookies. To learn more, please visit the help pages of your preferred internet browser.

Accessibility Statement

FNZ is committed to ensuring our website is accessible to everyone, regardless of their ability. Whilst our website has been created to be useable by all some users are likely to get the most accessible experience of using our website by customising their computer to suit their individual needs – for example some systems allow the site to be spoken to a user or increase the size of, or change the colour of, the text.

Our website has been designed to be compatible with the accessibility features of the most popular computer operating systems and browsers.

If you or someone you know have any difficulty accessing our website please contact us by filling out the form at the following link: