Terms of Use

1. Acceptance of Terms

By accessing and using the Alltoogether website and platform (the "Service"), you agree to be bound by these Terms of Use. If you do not agree to any part of these terms, you must not use the Service. Your use of the Service constitutes acceptance of these Terms, as well as our Privacy Policy.

2. About Alltoogether

Alltoogether (trading name of All Toogether Ltd) is an FCA-regulated employee benefits broker. We are an appointed representative of Sante Partners Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA).

Company Details:
All Toogether Ltd t/a Alltoogether
Company Number: 14775309
Registered Address: Jactin House, 24 Hood Street, Manchester, M4 6WX
FCA Number: 946194 (appointed representative of Sante Partners Ltd, FCA 914023)

3. Website Use & Intellectual Property

You may use the Alltoogether website for lawful purposes only. You agree not to:

• Use the website in any way that violates applicable law or regulation
• Harass, threaten, defame, or abuse any person or entity
• Attempt to gain unauthorized access to our systems or data
• Disrupt or interfere with the normal operation of the website
• Scrape, crawl, or systematically download content without permission
• Use automated tools to access the website (bots, spiders, etc.)

All content on the website, including text, graphics, logos, and code, is the intellectual property of Alltoogether or our licensors. You may view and print content for your personal, non-commercial use only. Reproduction, modification, or distribution of content without permission is prohibited.

4. Platform Account Terms

If you create an account to use the Alltoogether platform:

Account Responsibility

• You are responsible for maintaining the confidentiality of your login credentials
• You must not share your account with others or use someone else's credentials
• You are liable for all activity undertaken using your account
• You must immediately notify us of any unauthorized access or use

Permitted Use

• The platform is for your firm's internal use only
• You may not sell, transfer, or authorize others to use your account
• Use must comply with all applicable laws and FCA regulations

Account Termination

We reserve the right to suspend or terminate your account if you breach these Terms or engage in prohibited conduct. Termination does not affect your rights to data you have already received.

5. Limitation of Liability

To the fullest extent permitted by law:

• Alltoogether is provided on an "as-is" basis without warranties of any kind, either express or implied
• We do not warrant that the Service will be uninterrupted, error-free, or free from viruses or harmful components
• We shall not be liable for indirect, incidental, special, or consequential damages, including loss of profits or revenue
• Our total liability to you in any 12-month period shall not exceed the fees you paid for the Service during that period (or £100, whichever is greater)

6. Financial Advice Disclaimer

This is a critical disclaimer for FCA-regulated entities:

The information, content, and services provided on the Alltoogether website and platform are for information purposes only and do not constitute personal financial advice, investment advice, or a financial promotion.

Alltoogether acts as an FCA-regulated appointed representative and benefits broker. While we provide information about employee benefits schemes, insurance products, and workplace wellbeing, this information:

• Is general in nature and not tailored to your specific circumstances
• Does not constitute a personal recommendation or formal financial advice
• Should not be relied upon as a substitute for professional financial or legal advice
• Does not take account of your personal circumstances, financial status, or objectives

Before making any financial decisions, you should:

• Consult with qualified financial advisors or legal professionals
• Review all product documentation and terms carefully
• Seek personal advice specific to your firm's situation

Any communications with Alltoogether should be treated as general market information only, unless you have explicitly requested and received personal financial advice services (which we will confirm in writing).

7. Third-Party Links & Services

The Alltoogether website may contain links to third-party websites and services. We are not responsible for:

• The availability, content, or accuracy of third-party sites
• Any loss or damage resulting from your use of third-party services
• The privacy practices or security of external platforms

Third-party links are provided for convenience only. We do not endorse or recommend external services and disclaim all liability arising from their use.

Our own platforms are not third-party services. These include app.alltoogether.com (the employee application) and manage.alltoogether.com (the employer administration portal). Your use of them is governed by these Terms together with the applicable platform or client agreement, not by this section.

8. Data Protection & Privacy

Your use of the Service is governed by our Privacy Policy. We collect and process personal data in accordance with UK GDPR and the Data Protection Act 2018. By using the Service, you consent to our data practices as described in the Privacy Policy.

9. Governing Law & Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of England and Wales. You irrevocably submit to the exclusive jurisdiction of the courts of England and Wales.

10. Changes to These Terms

We may update these Terms from time to time. Material changes will be notified to you by email (if you are a platform user) or by updating the "Last updated" date at the top of this page. Your continued use of the Service following such changes constitutes your acceptance of the updated Terms.

11. Severability

If any provision of these Terms is found to be invalid or unenforceable by a court, that provision shall be modified to the minimum extent necessary to make it valid, or if that is not possible, severed. All other provisions shall remain in full force and effect.

12. Entire Agreement

These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and Alltoogether regarding your use of the Service and supersede all prior negotiations, representations, or agreements (written or oral).

13. Contact Us

If you have questions about these Terms of Use or wish to report a breach, please contact us:

All Toogether Ltd t/a Alltoogether
Email: hello@alltoogether.com
Address: Jactin House, 24 Hood Street, Manchester, M4 6WX
FCA Number: 946194