Terms & Conditions

THESE TERMS AND CONDITIONS ("Terms") govern www.stipendium.io ("the Website"). Please read these Terms and ensure that you have understood them.

Merge is a product redeemed by way of voucher code (“the Code”) within Stipendium Limited (“the Company”), a company registered in England with Company Number 13661680 whose principal office is 6th Floor, Royal Exchange Building, St Ann's Square, Manchester M2 7FE.

The Website, along with all information supplied, is owned and managed by the Company.

The Company can be contacted by writing to Stipendium Limited at 6th Floor, Royal Exchange Building, St Ann's Square, Manchester M2 7FE or through our contact page.

By visiting and using the Website you warrant that you are 18 years old or above and have the right, authority and capacity to enter into and be bound by these Terms and that you agree to be bound by these Terms forthwith.

In the event that the Company, in its sole discretion, considers that you are making any illegal and/or unauthorised use of the Website, and/or your use of the Website is in breach of these Terms, the Company reserves the right to take any action that it deems necessary, including terminating without notice your use of the Website and, in the case of illegal use, instigating legal proceedings.

The Company may suspend the Website at any time and for any reason whatsoever, including but not limited to repairs, planned maintenance or upgrades, and shall not be liable to you for any such suspension.

The Company reserves the right to make any changes to the website or to discontinue any aspect or feature of the Website without notice to users.

These Terms govern the use of the website by registered and unregistered users. Such Users may not use the website or any part thereof in connection with any commercial venture, other than as expressly permitted under these Terms or under other terms agreed in writing by the Company.

You may link to the website's home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. 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 the website in any website that is not owned by you. The Website must not be framed on any other site, nor may you create a link to any part of the Website other than the home page. The Company reserves the right to withdraw linking permission without notice.

You must not misuse the website 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 the Website, the server on which the website is stored or any server, computer or database connected to the Website. You must not use manual or automated software, devices, scripts, robots, or other means or processes to access, "scrape", "crawl", or "spider" any pages contained in the website.

You must not disclose your details or the details of your Code to any third party. If you know or suspect that anyone other than you knows your account details or Code, you must promptly notify us through our contact page.

The Company has 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.

Merge Codes can be redeemed for services on Stipendium.io.

The Codes may be exchanged for services at the same price as the value of the code issued.

Upon redemption of the Code, the services are provided by third parties who are responsible for the advice and service given from the point at which they are instructed.

The code cannot be exchanged for cash. 

Codes cannot be returned or refunded, except in accordance with your legal rights.

Codes are valid for 12 months from date of initial activation.

Codes should be treated as cash. They are not cheque guarantee, credit or charge cards.

Stipendium Ltd will not accept liability for lost, stolen or damaged codes. 

Stipendium Ltd reserves the right to refuse to accept a code which it deems to have been tampered with, duplicated, or which otherwise is suspected to be affected from fraud. 

Stipendium Ltd reserves the right to amend the terms and conditions of codes at any time without notice and to take appropriate action, including the cancellation of the code, if, in its discretion, it deems such action necessary.

Stipendium Limited will not be liable, in respect of services offered by its third party partners, in contract, tort (including, without limitation, negligence) or otherwise pursuant to or in connection with these terms for: any economic losses (including without limitation loss of revenues, profits, contracts, business or anticipated savings); any loss of goodwill or reputation; or any special, indirect, inconsequential, exemplary, incidental or punitive losses suffered or incurred by you out of or in connection with the provision of any codes or under these terms.

You are prohibited from removing, modifying, altering or using any registered or unregistered marks/logos owned by the Company, and doing anything which may be seen to take unfair advantage of the reputation and goodwill of the Company or could be considered an infringement of any of the intellectual property rights owned and/or licensed to the Company, without first obtaining the written permission.

Stipendium Ltd is not regulated by the FCA and is therefore not responsible for any advice given throughout the journey of the Merge product but will offer guidance through education in partnership with regulated professionals at specific intervals during the process. Stipendium has partnered with authorised and regulated professionals approved by their appropriate regulatory bodies such as the FCA, RICS, and SRA and are therefore fully qualified to provide advice.

In the event that a Code does not work, your sole remedy and our sole liability will be the replacement of the Code.

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence or fraud. This does not affect your legal rights.

The Company is committed to protecting (i) the privacy of users; and (ii) the confidentiality of the information provided to it by users using the website. However, the Company is not able to control the use by third parties of any information appearing on the Website.

The Company reserves the right to gather information relating to use of the Website. Please refer to our Privacy Notice for information on how your details are used. By visiting and using the website you consent to collection and use of this information by the Company in accordance with our Privacy Notice and warrant that all data provided by you is current, complete and accurate and will be kept up to date.

You may print and keep a copy of these Terms, which form the entire agreement between you and the Company and supersede any other communications or advertising with respect to the website.

These Terms may only be modified with the prior written consent of the Company, which may alter or amend these Terms at any time, with immediate effect and without notice. Please check this page from time to time to take notice of any amendments as by continuing to use the website after such alteration, you will be deemed to have accepted any amendment to these Terms.

These Terms and their performance shall be governed by and construed in accordance with the laws of England and Wales and the parties hereby submit to the exclusive jurisdiction of the courts of England and Wales.

You shall comply with all foreign and local laws and regulations which apply to your use of the website in whatever country you are physically located, including without limitation, consumer law, export control laws and regulations.

You agree that because of the unique nature of the website and the Company’s proprietary rights therein, a demonstrated breach of these Terms by you would irreparably harm the Company and monetary damages would be inadequate compensation. Therefore, you agree that the Company shall be entitled to preliminary and permanent injunctive relief, as determined by any court of competent jurisdiction to enforce the provisions of these Terms.

If any provision of these Terms is declared void, illegal or unenforceable, the remainder of these Terms will be valid and enforceable to the extent permitted by applicable law. In such event, the parties agree to use their best efforts to replace the invalid or unenforceable provision by a provision that, to the extent permitted by the applicable law, achieves the purposes intended under the invalid or unenforceable provision.

Any failure by any party to these Terms to enforce at any time any term or condition under these Terms will not be considered a waiver of that party's right thereafter to enforce each and every term and condition of these Terms.

Neither party will be responsible for delays resulting from circumstances beyond the reasonable control of such party, provided that the nonperforming party uses reasonable efforts to avoid or remove such causes of non-performance and continues performance hereunder with reasonable dispatch whenever such causes are removed.

Nothing in these Terms shall give, directly or indirectly, any third party any enforceable benefit or any right of action against the Company and such third parties shall not be entitled to enforce any term of these Terms against the Company.

If you feel that any materials appearing on the Website are offensive, objectionable or potentially defamatory please contact the Company by way of our contact page providing full details of the nature of your complaint and the materials to which the complaint relates.