Terms and Conditions

Last updated: 12th May 2010

Welcome to www.vuma.com (the "Website").
The Website provides services on these Terms and Conditions. Please read them carefully before you start to use the Website. By using the Website, you are accepting these Terms and Conditions and you confirm that you agree to abide by them. If you do not agree to these Terms and Conditions, please do not use the Website.
We may alter these Terms and Conditions without giving advance notice and any changes, additions or deletions shall be effective immediately once the Terms and Conditions are updated on the Website. The date of the last update can be seen at the top of this page. Any use of the Website after an update shall amount to your acceptance of the revised Terms and Conditions. You should therefore check these Terms and Conditions for updates each time you access the Website.

Information about us

The Website is owned by Vuma Financial Limited (referred to as "we", "us" or "our"). We are registered in England and Wales under company number 7140492 and have our registered office at Lacon House, 84 Theobald's Road, London, WC1X 8RW. Our VAT number is 988 8618 32.

Access to the Website

We permit you to access the Website on a temporary basis and we reserve the right to withdraw or amend the services we provide on the Website without notice. We will not be liable if for any reason the Website is unavailable at any time.
From time to time, we may restrict access to the Website or part of it.


To register for a user account, you must provide accurate and full details including your company name and contact details. You must also choose a user name and password. You must treat this information as confidential, and you must not disclose it to any third party.
All of your user account information is located in your personal account. You can edit your profile at any time, by logging on to your user account and selecting "Edit Profile". You must maintain and promptly update your account information to keep it accurate, and complete.
You will be responsible for all statements made or content posted under your user account. If you suspect that anyone else has used or is using your username and password, you must change your password and notify us immediately. It is also advisable to change your password frequently even if not considered compromised.
We have the right to disable any user names and/or passwords at any time, if in our opinion you have failed to comply with any of these Terms and Conditions.

Information about you

We process information about you in accordance with our privacy policy. By using the Website, you consent to such processing and you warrant that all data provided by you is accurate.

Uploading content to the Website

Whenever you make use of a feature that allows you to upload content to the Website, or to make contact with other users through the Website, you must comply with our Acceptable Use Policy. You warrant that any contribution you make to content does comply with the Acceptable Use Policy and you indemnify us for any claim or liability that results from a breach of that warranty.
All content uploaded to the Website is the property of the person who uploaded it. Therefore, you should only upload content that you have created, you own, or that you are licensed to upload to the Website. You are responsible for determining whether content uploaded by you complies with these Terms and Conditions. By uploading content to the Website, you grant us a limited, non-exclusive, transferable, fully paid-up, royalty-free, worldwide licence to encode, compress, convert, host, distribute, transfer, display, broadcast, and otherwise transmit your content over the Website, without any payment to you. You represent and warrant that you are authorised to grant to us this licence. To revoke this licence you can simply remove your content from the Website.
We cannot guarantee that there will be no unauthorised copying or distribution of your content nor will we be liable for any copying or usage of the content that we do not authorise.
You are solely responsible for anything contained in your content. You may be held legally liable for your content if, for example: its use is in breach of financial regulations and/or compliance laws in any jurisdiction; the content is protected by copyright, trade mark, patent or trade secret law or any other proprietary right and you use it without permission of the author or owner; or if it is contains defamatory comments.
You must not represent or suggest, directly or indirectly, that we endorse your content.

Accuracy of information provided on the Website

We envisage that the Website will be updated regularly and the content on it may change at any time. If the need arises, we may suspend access to the Website, or close it indefinitely. Any of the content on the Website may be out of date at any given time and we are under no obligation to update such content.
We are not responsible for and do not endorse any content uploaded to the Website by users. Any opinions, advice, statements, services, offers, or other information or content expressed or made available on the Website, are those of the respective author(s) and not of Vuma Financial Limited.


Accessing and using the Website and any information contained on it is at your own risk. The information provided on the Website is not intended as advice. All information is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we and third parties connected to us exclude all liability and responsibility for any loss or damage that you or a third party may suffer (including without limitation, any direct, indirect or consequential loss or damage, or any loss of income, profits, goodwill, data, contracts, use of money, or loss or damage connected in any way to business interruption, and whether in tort (including negligence), breach of contract or otherwise) in connection with the Website in any way or in connection with the use, inability to use or the results of use of the Website, any websites linked to the Website or the content on such websites, including but not limited to loss or damage due to viruses that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing the Website or your downloading of any content from the Website or any websites linked to the Website.
Nothing in these terms and conditions shall exclude or limit our liability for: (a) death or personal injury caused by negligence; (b) fraud; (c) fraudulent misrepresentation; or (d) any liability which cannot be excluded or limited by law.
We do not warrant that the Website will be uninterrupted or error free, that defects will be corrected or that the Website, the server that makes it available, or the published content will be free of viruses or other harmful content.


You agree to defend, indemnify and hold harmless Vuma Financial Limited, its affiliates, partners and respective directors, officers, employees and agents from and against all costs and expenses, liability and damages (including legal fees) arising out of any breach of these Terms and Conditions by you or any other liabilities related to your content or arising out of use of the Website by your user account (whether by you or any other person using the user account). We reserve the right to take over the exclusive defence of any claim for which we are entitled to indemnification under this clause. In such event, you shall provide us with all such cooperation as is reasonably requested.

Intellectual Property Rights

We are the owner or the licensee of all intellectual property rights in the Website, and in the content published on it. All rights in the Website and content are reserved. You must not modify the paper or digital copies of any content you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of content on our Website must always be acknowledged.
If you print off, copy or download any part of our Website in breach of these Terms and Conditions, your right to use the Website will cease immediately and you must, at our option, return or destroy any copies of the content which you have made.

Viruses, hacking and other offences

You must not misuse the Website by knowingly introducing viruses or any form of malicious software. 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 attack the Website 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 the Website will cease immediately.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Website or to your downloading of any content posted on it, or on any website linked to it.


Where the Website contains links to other websites and resources provided by third parties, these links are provided for your information only.
We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.

Interface and Functionality

We reserve the right to make changes without notice to the interface, functionality and capabilities of the Website.


These Terms and Conditions are governed by English law and you consent to the exclusive jurisdiction of the courts of England.

Your concerns

If you have any concerns about content which appears on our site, please contact support@vuma.com.