Terms of use

Terms and conditions for use of our website

Welcome to the Wealthtime website (the “Website”), operated by Novia Financial plc. The Website is provided to you subject to the following terms and conditions. Please read the terms and conditions carefully as, if you visit the Website, you are deemed to have accepted them. If you do not agree to our terms, please leave the Website.

Intellectual property rights

All intellectual property rights on this site are owned by or licensed to Novia Financial plc. The re-production of any material on this site is prohibited, except for the printing and downloading of extracts for use in connection with the Wealthtime or Wealthtime Select Platforms. The contents of this Website (including all website design, text, graphics, the selection and arrangement thereof and all software compilations, underlying source code, software and all other material) are the property of Novia Financial plc or its content and technology providers, except in so far as individually stated on particular material or items. You may view the Website for the purposes of the Wealthtime or Wealthtime Select Platforms only and you are not permitted without our permission (a) to store it or any part of it other than for the purposes set out in this paragraph; (b) to print out copies except for your own viewing/records; or (c) to reproduce, copy or transmit it (or any part of it) in any other way for any purpose other than in connection with the Wealthtime or Wealthtime Select Platforms or in any other medium. You are also not entitled to alter the content in any way.


Please review our Privacy statement, which also governs your visit to our Website, in order to understand our practices.

Links to other websites

Links from this Website to other websites are made at your own risk and Novia Financial plc accepts no liability for any linked websites or for their content. When you access a non-Novia Financial plc website, please understand that it is independent from Novia Financial plc and Novia Financial plc has no control over the content of that website. Further, a link to a non-Novia Financial plc website does not mean that Novia Financial plc endorses or accepts any responsibility for the content or the use of such website. You must take your own precautions to ensure what is selected for use is free of such items as viruses, worms, trojan horses and other items of a destructive nature as Novia Financial plc accepts no responsibility for such things.


Inclusion of any material in adverts or sponsors’ materials on this Website does not constitute any guarantee or endorsement as to the quality or value of any of the products or services advertised or any claims made about the product or service by the party offering it. Any correspondence or dealings which you may have with advertisers or sponsors promoting themselves on this Website are solely between you and that party. We cannot be responsible or liable for any loss or damage of any kind incurred as a result of any such dealing or as a result of the presence of such advertisers on the Website.

Updating our important information

Information may be changed or updated on this Website without notice. Novia Financial plc may also make improvements and/or changes in the products described in this information at any time without notice. Make sure you keep up to date by visiting the Website regularly. Also, try to refresh your browser on a regular basis.


The information published on our Website is provided as a convenience to visitors and should be used for information purposes only. The information does not purport to give investment advice, nor does it constitute a personal recommendation or an offer or a solicitation to buy or sell any security. The information is subject to change without notice. While we use all reasonable efforts to ensure that the information contained on the Website, whether supplied by ourselves or third parties, is current, accurate and complete at the date of publication, no representations or warranties are made (express or implied) as to the reliability, accuracy or completeness of such information. Novia Financial plc cannot therefore be held liable for any loss arising directly or indirectly from the use of, or any action taken in reliance on, any information appearing on the Website.

In addition, no warranty is given as to the freedom of the Website (or any information downloaded from it) from errors, defects, viruses or other malicious programs or macros. We exclude all other express or implied terms, conditions, warranties, representations or endorsements whatsoever with regard to our Website or any information or service provided through our Website (which are provided to you on an “as is” basis) and we accept no liability in this regard. The limitations and exclusions in this clause do not affect your non-excludable statutory rights and only apply to the extent permitted by applicable law.


Please note that there is no guarantee that any email sent will be received, or that the contents of any such email will remain private or unaltered during internet transmission. We accept no liability for any damages you or others may suffer as a result of the alteration or loss of confidentiality of any such information. We reserve the right to monitor the use and content of emails which are sent from and received by us for the purposes of ensuring compliance with our own email policy, and identifying and taking action against unlawful or improper use of our systems, including, but not limited to, spoofing, the transmission of computer viruses and denial of service attacks.


We accept no responsibility for any loss suffered as a result of using this Website, reliance on any of its content or downloading software or information from this site. You should seek advice if you are unsure how to protect your computer.

Residence and UK website usage

This Website is intended for use only by those who can access it from within the UK. Products and services advertised on these pages are intended for sale only to UK residents.

The information on this site is general and prospective investors and their advisers must read the relevant product literature and contract conditions. We do not give financial advice.

Laws that govern our site

These terms and conditions of use shall be governed by the laws of England and Wales and any dispute or action arising out of this site shall be determined in accordance with such laws.

Website policies, modification and severability

We reserve the right to make changes to our Website, our policies and these terms and conditions of use at any time. If any of these conditions shall be deemed invalid, void or for any reason unenforceable, that condition shall be deemed severable and shall not affect the validity and enforceability of any of the remaining conditions.


All comments, queries and requests relating to our use of your information are welcomed and should be addressed to:

Contact: Chief Executive Officer

Address: Wealthtime, Cambridge House, Henry Street, Bath, BA1 1JS

Email: info@wealthtime.com

Telephone: 0345 680 8000

Lines are open 9am to 5pm Monday to Friday. To help us improve our service we may record or monitor calls for training and legal or regulatory purposes.