Website & App Terms of Use

By using our website or by downloading our mobile application (App), you are agreeing to the terms set out below (Website & App Terms), as well as to our Privacy Notice and our Cookie Policy.

You should read these Website & App Terms, the Privacy Notice and the Cookie Policy carefully. If you don’t wish to be bound by all of these, please do not use our website or download our App.

If you have downloaded our App and have opened a CIRCA5000 account, you will also be bound by our Customer Terms & Conditions (you will have a chance to read and agree to these prior to opening an account). Once you are bound by the Customer Terms & Conditions, where there is any inconsistency between these Website & App Terms and the Customer Terms & Conditions, the Customer Terms & Conditions shall prevail.

Information about us

Our website ( and our App are operated by CIRCA5000 Ltd. (that’s us, we and CIRCA5000).

We are registered in the UK (with registration number 11200977) and our registered office is at 3rd Floor 86-90 Paul Street, London, United Kingdom, EC2A 4NE.

CIRCA5000 Limited is authorised and regulated by the Financial Conduct Authority (FRN: 846067).

Changes to Website Terms

We may make changes to these Website & App Terms, so please review them every now and then. You will remain bound by them.

About the content on our website

Content on our website

We make reasonable efforts to update the content on our website and App, however either or both may be out of date at any given time. We are under no obligation to update our content and we make no representations, warranties or guarantees that the content on our website or App is accurate, complete or up-to-date.

Content is not advice

Our website and our App contains content that is for general information only and is not intended to be advice to you. If you are unsure about any of the content on the website or App, please seek professional or specialist advice for your particular circumstances.

Viruses, errors or omissions

Unfortunately, we don’t guarantee that our website, our App or any content on either will be free from errors or omissions.

Additionally, we don’t guarantee that our website or App will be secure or free from bugs or viruses. We recommend that you use your own virus protection software.

Accessing our website and downloading our App

Accessing our website and downloading our App are both free of charge but we cannot guarantee that either will always be available or be uninterrupted. We may suspend, restrict, withdraw or change any part of our website or App without notice.

Our website and App are for people residing in the United Kingdom and so they are not appropriate for people in other locations. If you choose to access our website or download our App from outside the United Kingdom, you do so at your own risk.

Intellectual property rights

We own (or are licensed to use) all of the intellectual property rights in our website and App, and in the content published on them. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

Limitation of our liability

To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our website or App or any content on either, whether express or implied.

Nothing in these Website & App Terms excludes or limits our liability for death or personal injury arising from our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

We will not be liable to you 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:

  1. your use of, or inability to use, our website or App;
  2. your use of, or reliance on, any content displayed on our website or App;
  3. your use of any links to other websites contained in our website or App; or
  4. any virus, distributed denial-of-service attack or other technologically harmful material due to your use (in any way) of our website or App.

We only provide our website and App for domestic and private use. You agree not to use our website or App 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.

Don’t misuse our website

You must not misuse our website or App by knowingly introducing viruses, trojans, worms, logic bombs or other materials which are malicious or technologically harmful. You must not attempt to gain unauthorised access to our website or App, the server on which our website or App is stored or any server, computer or database connected to our website or App. You must not attack our website or App 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 website and App will cease immediately.

Use of and linking to our website

You may only use our website and App for lawful purposes. You may link to the homepage of our website or to our App page in the relevant app store, provided you do so in a way that is fair and legal, does not damage our reputation or take advantage of it and that does not suggest any form of association or endorsement on our part where none exists. We may withdraw this linking permission without notice.

Our website and App may contain links to other websites and resources provided by third parties. These links are provided for your information only and we have no control over the contents of those websites or resources.

Applicable law

Your use of our website or App and any dispute arising out of that use is subject to the laws of England and Wales, and 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.

Contact us

To contact us, please email