Terms & Conditions

1. Acceptance of Terms

By accessing this website, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. These Terms constitute a legally binding agreement between you and Financial Wisdom.

We reserve the right to change these Terms at any time. Such changes will be effective when posted on this website with a revised "Last Updated" date. Your continued use of the website following the posting of changes constitutes your acceptance of those changes.

2. Use of the Website

2.1 Eligibility

You must be at least 16 years old to use this website. By using this website, you represent and warrant that you meet this eligibility requirement and that you are not prohibited from receiving services under the laws of the United Kingdom or other applicable jurisdiction.

2.2 Account Registration

Some portions of our website may require you to create an account. When you register, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorized use of your account

2.3 Acceptable Use

You agree to use our website only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the website in any way that violates any applicable law or regulation
• Attempt to interfere with the proper functioning of the website
• Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the website
• Use the website to send spam or other unsolicited messages
• Impersonate or attempt to impersonate Financial Wisdom, a Financial Wisdom employee, or another user
• Harvest or collect email addresses or other contact information from our website
• Attempt to gain unauthorized access to any portion of the website

3. Intellectual Property Rights

3.1 Ownership

The website and its entire contents, features, and functionality (including but not limited to all information, text, images, videos, and the design, selection, and arrangement thereof) are owned by Financial Wisdom, its licensors, or other providers of such material and are protected by United Kingdom and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

3.2 Limited License

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the website for personal, non-commercial purposes. This license does not include:

• Modifying or copying the materials
• Using the materials for any commercial purpose
• Attempting to decompile or reverse engineer any software contained on the website
• Removing any copyright or other proprietary notations from the materials
• Transferring the materials to another person or "mirroring" the materials on any other server

3.3 Trademarks

The Financial Wisdom name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Financial Wisdom or its affiliates. You may not use such marks without the prior written permission of Financial Wisdom.

4. User-Generated Content

4.1 Submission of Content

Our website may allow you to post, link, share, or otherwise make available content, including but not limited to comments, feedback, and reviews ("User Content"). You are responsible for any User Content you submit, and you bear all risks associated with any such content.

4.2 Content Standards

User Content must comply with all applicable laws and regulations. Additionally, User Content must not:

• Contain defamatory, obscene, indecent, offensive, or threatening material
• Promote violence or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age
• Infringe any copyright, trademark, or other intellectual property right
• Impersonate any person or misrepresent your identity or affiliation
• Contain any material that could be considered harmful, false, misleading, or deceptive
• Promote illegal activities or contain instructions for illegal activities
• Contain software viruses or any other computer code designed to damage our website

4.3 Rights to User Content

By submitting User Content to our website, you grant Financial Wisdom a perpetual, worldwide, non-exclusive, royalty-free, transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform your User Content in connection with the website and Financial Wisdom's business operations, including for promoting and redistributing part or all of the website.

4.4 Monitoring and Enforcement

We have the right, but not the obligation, to:

• Remove or refuse to post any User Content for any reason
• Take any action with respect to User Content that we deem necessary or appropriate
• Disclose your identity or other information about you to any third party who claims that material posted by you violates their rights
• Take appropriate legal action for any illegal or unauthorized use of the website

5. Disclaimer of Warranties

5.1 Financial Information Disclaimer

The information provided on our website is for general informational purposes only and is not intended as financial advice. It should not be construed as a recommendation to buy or sell any financial product, or to engage in any investment strategy. Always consult with a qualified financial advisor before making significant financial decisions.

5.2 No Guarantees

We do not guarantee any specific results from the use of our website or the accuracy, reliability, or completeness of any information provided. Financial markets are subject to fluctuation, and past performance is not indicative of future results.

5.3 Website Availability

Your use of the website is at your sole risk. The website is provided on an "AS IS" and "AS AVAILABLE" basis. We do not guarantee that the website will be uninterrupted, timely, secure, or error-free.

6. Limitation of Liability

To the fullest extent permitted by law, Financial Wisdom shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to, damages for loss of profits, goodwill, use, data, or other intangible losses, resulting from:

• Your use or inability to use the website
• Any unauthorized access to or use of our servers and/or any personal information stored therein
• Any interruption or cessation of transmission to or from the website
• Any bugs, viruses, trojan horses, or the like, which may be transmitted to or through the website by any third party
• Any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available via the website

In no event shall our total liability to you for all damages, losses, or causes of action exceed the amount paid by you, if any, for accessing our website or using our services during the six (6) months prior to bringing the claim.

7. Indemnification

You agree to defend, indemnify, and hold harmless Financial Wisdom, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

• Your violation of these Terms
• Your User Content
• Your use of the website

8. Third-Party Links and Content

Our website may contain links to third-party websites or services that are not owned or controlled by Financial Wisdom. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

You acknowledge and agree that Financial Wisdom shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

9. Termination

We may terminate or suspend your access to all or part of the website, without notice, for any conduct that we, in our sole discretion, believe violates these Terms or is harmful to other users of the website, us, or third parties, or for any other reason.

Upon termination, your right to use the website will immediately cease. If you wish to terminate your account, you may simply discontinue using the website, or you may contact us to request account deletion.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

10. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the United Kingdom, without regard to its conflict of law provisions.

Any legal action or proceeding arising out of or relating to these Terms shall be brought exclusively in the courts located in the United Kingdom, and you consent to the personal jurisdiction of such courts.

11. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

12. Waiver

No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term, and our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

13. Entire Agreement

These Terms, together with the Privacy Policy and any other legal notices published by Financial Wisdom on the website, shall constitute the entire agreement between you and Financial Wisdom concerning the website and supersede all prior or contemporaneous communications, whether electronic, oral, or written, between you and Financial Wisdom.

14. Contact Information

If you have any questions about these Terms, please contact us at: