Terms and conditions

These Terms and Conditions relate to the use of all Metamorph Group companies as detailed in our Legal and Regulatory statement. Please read these Terms and Conditions carefully and ensure that you understand them before using this Website. These Terms and Conditions were last updated on 17/05/2021. The following documents also apply to your use of https://metamorphgroup.co.uk:


Our Privacy statement, available here.

Our Cookie policy, available here.


Specific Terms of Business are available using the links below:

Metamorph Legal Terms of Business.

Mosaic Online Wills Terms of Business.


  1. Terms of Us

1.1 These Terms and Conditions (“Terms”), together with any other documents referred to herein (unless otherwise stated), set out the terms of use governing your use of https://metamorphgroup.co.uk  (“Our Site”). You may print off and keep a copy of these terms. They are a legal agreement between you and all Metamorph Group companies (“Us”) and can only be modified with our consent. We reserve the right to change the terms at our discretion by changing them on the Our Site.

1.2 Your agreement to comply with these Terms is indicated by your use of Our Site. If you do not agree to these Terms, you must stop using Our Site immediately.

1.3 Any goods and services (“Merchandise”) offered for sale by Us will be offered under the specified terms for that purchase. Any goods or services provided via third party web sites linked to Our Site are subject to separate terms and conditions between you and the applicable third party and we shall have no responsibility, obligations or liability in relation to third party merchandise.

  1. Intellectual Property Rights

2.1 The intellectual property rights (including, without limitation, copyright and trade marks) for all content (“Material”) on the Our Site (including, without limitation, text, images and plans) are owned by FIntentional unless otherwise stated and your use of them is limited as set out in clause 2.2.

2.2 You are entitled to view, copy, print, access, download and transmit and store our Material for your own personal, non-commercial use, provided that you do not (1) remove any notices relating to the ownership of copyright or other intellectual property rights in our Material, (2) modify, translate, reverse engineer, reproduce, decompile, disassemble (except as expressly permitted by law) or create derivative works of any of the our Material, and (3) rent, lease, sub-licence, loan, copy or give or transfer any rights in the our Material in any form, to any person or entity without our prior written consent. Any product, process or technology referred to in our Material may be subject to other intellectual property rights and are not made available hereunder.

2.3 Notwithstanding the limited rights granted to you in accordance with Clause 2.2, us or other third parties which licence such material to us, retain their ownership, title and interest in the intellectual property rights contained in our Material including but not limited to copyright, database rights, trade marks, patents, service marks, design rights (whether registerable or otherwise) know-how, trade or business names, domain names, goodwill associated with any of the foregoing and other similar rights or obligations whether registerable or not in any jurisdiction in the world.

  1. Disclaimer

3.1 Unless otherwise specified, the Materials available on Our Site are provided for general information only and does not take into account and individual circumstances and may not reflect recent changes in the law.

3.2 The content contained on Our Site should not be perceived as advice. Materials are intended for educational and reference purposes only. Use of Our Site is entirely at your own risk. You should always carry out your own research and take professional advice as required.

3.3 No warranty, whether express or implied is given in relation to such Materials. We cannot be held liable for any technical, editorial, typographical or other errors or omissions within the information provided on Our Site, nor shall we be responsible for the content of any web images or information linked to Our Site.

3.4 We exclude to the extent lawfully permitted all liability for loss or damage, whether direct, indirect or consequential (including, without limitation, loss suffered as a result of breach of these Terms which is not a foreseeable consequence of the breach, lost profits, lost opportunity, lost business, loss of goodwill, loss of contracts, increased overheads or administrative expenses or management time) arising out of your use of or inability to use Our Site, or from any information or omission contained in Our Site.

3.5 We reserve the right, without notice to you, to remove any of our Material from Our Site or to suspend or alter the operation of Our Site and Merchandise, at our sole discretion or for legal or technical reasons. We will not be liable if for any reason Our Site, our Materials or Merchandise are unavailable.

3.6 Where Our Site contains links to other websites not operated or controlled by us, if you choose to use these links, you will leave Our Site. Such links are provided for convenience only and do not constitute any endorsement by Us of the organisation promoted on the linked websites, their products or services, unless expressly stated. We do not have any control over such linked websites or the content of them and cannot accept any responsibility for them.

3.7 We undertake to use commercially reasonable endeavours to prevent breaches of security of Our Site. Please note that although reasonable care is taken to ensure that Our Site and Materials available from it are virus-free, we cannot accept responsibility for any viruses which may affect any material you download.

  1. Your responsibilities

4.1 You may not misuse Our Site (including, without limitation, by hacking, attempting to gain unauthorised access to Our Site or any server on which Our Site is stored, or by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful). You may not attack Our Site via a denial of service attack or a distributed denial of service attack. By breaching this provision you may 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 Site will cease immediately.

4.2 You agree that you are responsible for the security and use of any user names or passwords needed to access or use Our Site. You must take all reasonable steps to ensure that these user names and passwords are kept confidential and secure and you do not allow any unauthorised person to access Our Site or and of our Merchandise using your user name or password.

4.3 You agree that you will not use Our Site as follows:

4.3.1 to send, receive, upload, download, store, use, distribute or publish any material that is offensive, abusive, indecent, defamatory, obscene, or in breach of any other person’s Intellectual Property Rights or breaches any obligation of confidentiality by which you are bound;

4.3.2 to send or distribute multiple unsolicited emails or messages (‘Spam’) or to cause any other person annoyance, inconvenience or worry;

4.3.3 for any purposes connected to any business, including sending any unsolicited advertisements or promotional material.

4.4 You agree to indemnify us against any claims, costs, expenses or legal proceedings caused as a result of your use of Our Site or Merchandise.

  1. General

5.1 Our Terms are governed by the laws of England, and subject to the non-exclusive jurisdiction of the English Courts.

5.2 If any part of our Terms are held by a court of competent jurisdiction to be unenforceable, the validity of the remainder of our Terms will not be affected.