We want you to feel confident regarding the professionalism, transparency and integrity with which the Cogress entities conduct all their business activities.

Please read these terms of use carefully before using one or both of our websites www.cogress.co.uk and/or www.cogressfinance.co.uk (the ‘websites’).

We’, ‘our’, ‘us’ in this webpage refers to both to Cogress Limited and Cogress Finance Plc. You should interpret these terms of use in reference to the specific Cogress website you are interacting with and using, if only one.

By using and interacting with our websites in any way, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms of use, you must not use our websites.

www.cogress.co.uk and www.cogressfinance.co.uk are operated by Cogress Limited.

Terms of websites use
This webpage (together with the documents referred to in it) inform you regarding the terms of use based on which you may make use of our websites, including applying to join our client database by registering via the websites. Use also includes accessing, browsing, or registering to use our websites

If and when you register on our website and you need to provide us with the relevant personal information, you undertake to complete the registration form with your information which is up-to-date, true, accurate and complete.

We are legally obliged to assess your appropriateness to be added to our client database and to be able to invest; and any additions to the database will be made at our sole discretion. We will be under no obligation either to add you to our database if we do not choose to do so, or to notify you of our decision or the reasons for it.

Please read these terms of use carefully before you start to use our websites, as these will apply to your use of our websites.. We recommend that you print a copy of this for future reference.

Other applicable terms
These terms of use refer to the following additional terms, which also apply to your use of our websites:

  • Our Privacy Policy, which sets out the terms on which we process  personal data we collect from you, or that you provide to us. By using our websites, you consent to such processing and you warrant that all data provided by you is accurate.
  • Our Cookies Policy, which sets out information about the cookies on our site.

Changes to these terms
We may revise these terms of use at any time by amending this page. Please check this page from time to time to take notice of any changes we made, as they are binding on you.

Changes to our Websites
We may update any of the information on our websites from time to time, and may change the content at any time. However, please note that any of the content on our websites may be out of date at any given time, and we are under no obligation to update it. We do not guarantee that our websites, or any content on it, will be free from errors or omissions.

We reserve the right to block access to our websites and to disable any username or password at any time and without giving notice. This could occur if we deem that a user did not comply with these Terms of Use.

You are fully responsible for notifying us without delay if you believe that your user name and/or password to access the Cogress websites has been compromised in any way (e.g. stolen).

We will not accept, or act on, an investor’s instructions if we suspect any type of fraudulent or illegal activity via our websites. No information provided in our websites constitutes investment advice, or any other type of advice or personal recommendation. We do not give tax advice. Investors are fully responsible for making their own investment decisions, or in conjunction with their financial adviser.

Accessing our website
Our websites are made available free of charge.

We do not guarantee that our websites, or any content on it, will always be available or be uninterrupted. Access to our websites is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our websites without notice. We will not be liable to you if for any reason our websites are unavailable at any time or for any period.

You are responsible for making all arrangements necessary for you to have access to our websites. You are also responsible for ensuring that all persons who access our websites through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

You are fully responsible at all times for maintaining your user name and password, provide to you by us, secure, confidential and safe at all times. You are fully responsible for any loss or damage you may incur if somebody else interacts with or uses our websites using your log in credentials.

Intellectual property rights
We are the owner or the licensee of all intellectual property rights in our websites, and in the material published on it.  Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our websites for your personal use, and you may draw the attention of others within your organisation to content posted on our websites.

You must not modify the paper or digital copies of any materials 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 websites must always be acknowledged.

You must not use any part of the content on our websites for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our websites in breach of these terms of use, your right to use our websites will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

No reliance on information
The content on our websites is provided for general information only. It is not intended to amount to any kind of advice or personal recommendation on which you should rely on. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our websites.

Although we make reasonable efforts to update the information on our websites, we make no representations, warranties or guarantees, whether express or implied, that the content on our websites is accurate, complete or up-to-date.

Limitation of our liability
Nothing in these terms of use excludes or limits our liability for death or personal injury arising from our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

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

We will not be liable to any user 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:

apply to your use of our websites:

  • use of, or inability to use, our websites; or
  • use of or reliance on any content displayed on our websites;
  • our assessment of a user’s suitability to be added to our client database.

If you are a business user, please note that in particular, we will not be liable for:

apply to your use of our websites:

  • loss of profits, sales, business, or revenue;
  • business interruption;
  • loss of anticipated savings;
  • loss of business opportunity, goodwill or reputation; or
  • any indirect or consequential loss or damage.

If you are a consumer user, please note that we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our websites or to your downloading of any content on it, or on any website linked to it.

We assume no responsibility for the content of websites linked on our websites. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.

We do not guarantee that our websites will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform in order to access our websites. You should use your own virus protection software.

You must not misuse our websites 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 our websites, the server on which our websites is stored or any server, computer or database connected to our websites. You must not attack our site 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 websites will cease immediately.

Linking to our websites
You may link to our home pages, 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 our websites in any website that is not owned by you.

Our websites must not be framed on any other websites, nor may you create a link to any part of our websites other than the home pages.

We reserve the right to withdraw linking permission without notice.

Third party links and resources in our websites. Where our websites contain links to other third-party websites and resources provided by third parties, these links are provided for your information only.

We have no control over the contents of those websites or resources.

Use of Information
The information on these websites is directed only at persons in the United Kingdom (‘UK’) and does not constitute advice of any kind (including investment, legal or tax advice), or personal recommendation. It does not amount to an offer or invitation to buy or sell an investment. It also does not solicit any offer or invitation from companies seeking investment capital in any jurisdiction other than the UK. Persons resident in territories other than the UK should consult their professional advisers as to whether they require any governmental or other consent or need to observe any formalities to enable them to invest in the products described in these pages. Investors should not rely on any information or opinions contained in this website in making an investment or other decision but should obtain appropriate and specific professional advice.

If any part of what is set out on this webpage is unenforceable (including any provision in which boundary excludes our liability to you) the enforceability of any other part of these conditions will not be affected.

Applicable law
If you are a consumer, please note that these terms of use, its subject matter and its formation, are governed by English law. You and we both agree to that 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.

If you are a business, these terms of use, its subject matter and its formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

Thank you for visiting our websites.


Terms of use last updated on 16 July 2019.

Any questions? Call the Cogress team on 020 7100 9744 or email help@cogress.co.uk