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Terms & Conditions

Terms of Use

These Terms of Use apply to this Click4Gap website (“this Website”) operated by Future 45 Limited (a limited company registered in England, registration number 05407413, and whose registered address is 3rd Floor, 114a Cromwell Road, Kensington, London, England SW7 4AG (“Click4Gap”, “we”, “us”, “our”). Other Future 45 websites will have their own terms of use. These Terms of Use are effective from 1st June 2022 and, together with our Privacy Policy, govern Future 45’s relationship with you (“you”, “your”) in relation to this Website.

By using this Website, you agree to comply with and be bound by these Terms of Use, which shall take effect immediately upon your first use of this Website.

We reserve the right to amend our Terms of Use at any time, and you should check for updates from time to time. The amended Terms of Use will be effective from the date they are posted on this Website.

Our company

Future 45 Limited is authorised and regulated by the Financial Conduct Authority. Our FCA Register number is 461102.

Our website

Every effort is made to ensure that this Website operates correctly and runs smoothly. We provide no warranty or guarantee as to the accuracy, timeliness, performance, completeness, satisfactory quality, suitability or fitness for a particular purpose of the information and materials found or offered on this Website.

We take no responsibility for, and will not be liable for, this Website being temporarily unavailable due to technical issues beyond our control.


We are committed to providing you with an exceptional level of service and customer care. If there is an occasion where you feel that we have not delivered this level of service we would like to hear about it.

If you would like to make a complaint please contact the Administrator:

The Managing Director, Future 45 Limited, Warwick House, Roydon Road, Harlow, Essex CM19 5DY.

Tel: 0208 819 3424

We expect that the majority of complaints will have been quickly and satisfactorily resolved at this stage but if you remain dissatisfied you can take the issue further.

In the unlikely event that the matter is still not resolved, your complaint can be referred to the Financial Ombudsman Service:

The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR.

Please note you have six months from the date of our final response in which to refer your complaint to the Ombudsman. Referral to the Ombudsman will not affect your right to take legal action against us. The complaints procedure above does not affect any legal right you may have to take action against us.

Links to other sites

There may be links from this Website to third party websites not under our control. These links are provided for your convenience only and their inclusion does not imply any endorsement or reliability by us of any such website(s) and you should read the terms and conditions of those websites before using them. We accept no liability for any statements, information, content, products or services that are published on, or may be accessible from, these third party websites. We can also give no guarantee they are free from viruses or anything else that could be infectious or destructive.

Website content and functionality

We endeavour to ensure the information contained and displayed on this Website is accurate and up-to-date. However, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to this Website or the information, products, services, or related graphics contained on this Website for any purpose. Any reliance you place on such information is strictly at your own risk.

We do not guarantee that this website will be compatible with all or any hardware and software which you may use.


These Terms of Use do not exclude our liability to you (if any) for:

  • personal injury or death resulting from our negligence;
  • fraud;
  • any matter for which it would be illegal for us to exclude or to attempt to exclude our liability.

We are only liable to you for losses which you suffer as a result of a breach by us of these Terms of Use. We are not responsible to you for any losses which you may incur which were not a foreseeable consequence of us breaking these Terms of Use. Our liability shall not in any circumstances include any indirect, special or consequential losses that you may incur, including but not limited to loss of data, loss of profit and business interruption.

Intellectual Property

All copyright, trademarks, design rights, patents and other intellectual property and other proprietary rights located on this Website shall remain vested in Future 45 or its licensors. You may not copy, redistribute, republish or otherwise make the materials on this website available to anyone else without our prior consent in writing.

You may print or download materials from this Website and/or copy the content to other individuals for their information, provided that:

  • no materials are modified in any way;
  • no graphics are used without the accompanying text;
  • our copyright and trade mark notices appear in all copies and you acknowledge this Website as the source of the material; and
  • the person to whom you provide these materials are made aware of the restrictions contained in these Terms of Use.

Nothing in these Terms of Use shall be construed as conferring any license or right to use any intellectual property rights owned by, or licensed to, Future 45.

Modification of these Terms of Use

Future 45 reserves the right to change the terms, conditions and notices under which this Website is offered.

If you make a contract with a third party who is named or referred to on this Website, it is your responsibility to ensure that you are comfortable with the terms of that contract and to take legal advice if necessary.


If any of these Terms of Use are determined to be illegal, invalid or otherwise unenforceable, then to the extent that term is illegal, invalid or unenforceable, it shall be severed and deleted from these Terms of Use, and the remaining Terms of Use shall survive and continue to be binding and enforceable. Any failure or delay of Future 45 to exercise or enforce its rights under these Terms of Use will not affect or restrict Future 45’s right to enforce such rights.

These Terms of Use contain, all the terms which the parties have agreed in relation to the subject matter of these Terms of Use, and supersedes any prior written or oral agreements, representations or understandings between the parties in relation to such subject matter.

You acknowledge that these Terms of Use have not been entered into wholly or partly in reliance on, nor have you been given any warranty, statement, promise or representation made by or on behalf of us and other than as expressly set out in these Terms of Use. To the extent that any such warranties, statements, promises or representations have been given you unconditionally and irrevocably waive any claims, rights or remedies which it might otherwise have had in relation to them.

Nothing in these Terms of Use will exclude any liability which one party would otherwise have to the other party in respect of any statements made fraudulently.

You and Future 45 do not intend that these Terms of Use will be enforceable by virtue of the Contracts (Rights of Third Parties) Act 1999 by any person not a party to it. These Terms of Use shall be governed by and interpreted in accordance with the laws of England and Wales. The courts of England and Wales will have exclusive jurisdiction to settle any disputes which may arise out of or in connection with these Terms of Use.