Terms of Use

Last updated: January 2024

Welcome to active-asset. These Terms of Use govern your access to and use of our website and services. By accessing or using our website, you agree to be bound by these terms. If you disagree with any part of these terms, please do not use our website.

Definitions

In these Terms of Use:

  • "We", "our", "us" refers to active-asset
  • "You", "your" refers to the user or visitor of our website
  • "Website" refers to active-asset.com and all associated pages
  • "Services" refers to the financial guidance services we provide
  • "Content" refers to all text, images, graphics, and other materials on our website

Nature of Our Services

active-asset provides financial education and general guidance services. It is important to understand the following:

  • Our services constitute general financial education, not regulated financial advice
  • We are not authorised or regulated by the Financial Conduct Authority (FCA) to provide financial advice
  • The information and guidance we provide should not be considered as recommendations to buy, sell, or hold any specific financial products
  • For regulated financial advice tailored to your specific circumstances, you should consult an FCA-authorised financial adviser

Use of the Website

You agree to use our website only for lawful purposes and in a manner that does not infringe the rights of others or restrict their use and enjoyment of the website. Prohibited behaviour includes:

  • Using the website in any way that violates applicable laws or regulations
  • Attempting to gain unauthorised access to our systems or data
  • Transmitting any material that is defamatory, offensive, or otherwise objectionable
  • Using automated systems or software to extract data from the website without permission
  • Interfering with or disrupting the website or servers
  • Impersonating any person or entity or misrepresenting your affiliation

Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of active-asset or our content suppliers and is protected by copyright and other intellectual property laws.

You may view, download, and print content from our website for your personal, non-commercial use, provided you:

  • Keep all copyright and proprietary notices intact
  • Do not modify the content in any way
  • Do not use the content for commercial purposes without our written permission
  • Do not claim ownership of any content

Accuracy of Information

While we strive to ensure the accuracy and timeliness of the information on our website, we cannot guarantee that all content is complete, accurate, or current. Financial markets and regulations change frequently, and information may become outdated.

You should:

  • Verify any information before making financial decisions
  • Seek professional advice for matters requiring expert guidance
  • Understand that past performance does not guarantee future results
  • Recognise that all financial decisions carry risk

Service Agreements

When you engage our paid services, separate terms and conditions may apply. These will be provided before you confirm your booking. Key points include:

  • Payment is required before services are provided
  • Cancellation and refund policies are outlined in your service agreement
  • Services are provided on the understanding that you have been honest about your circumstances
  • Confidentiality is maintained except where legally required to disclose information

Limitation of Liability

To the fullest extent permitted by law:

  • Our website and content are provided "as is" without warranties of any kind
  • We do not warrant that the website will be uninterrupted, timely, secure, or error-free
  • We are not liable for any direct, indirect, incidental, special, or consequential damages arising from your use of our website or services
  • We are not liable for any financial losses resulting from decisions you make based on information obtained from our website
  • Our total liability to you for any claims arising from these terms shall not exceed the amount you paid for our services in the twelve months preceding the claim

Indemnification

You agree to indemnify and hold harmless active-asset, its directors, employees, and agents from any claims, damages, losses, or expenses arising from:

  • Your violation of these Terms of Use
  • Your use of our website or services
  • Your violation of any rights of a third party
  • Any content you submit or transmit through our website

Third-Party Links

Our website may contain links to third-party websites. These links are provided for your convenience and do not signify our endorsement of such websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of third-party websites. You access these sites at your own risk.

Privacy

Your use of our website is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information.

Modifications to Terms

We reserve the right to modify these Terms of Use at any time. Changes become effective when posted on this page with an updated revision date. Your continued use of the website after changes are posted constitutes your acceptance of the modified terms.

For significant changes, we will make reasonable efforts to notify users, though the responsibility to review these terms periodically rests with you.

Termination

We may terminate or suspend your access to our website immediately, without prior notice, for any reason, including breach of these Terms of Use. Upon termination:

  • Your right to use the website ceases immediately
  • Provisions that by their nature should survive termination will remain in effect
  • We are not liable to you or any third party for termination of your access

Governing Law

These Terms of Use are governed by and construed in accordance with the laws of England and Wales. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Severability

If any provision of these Terms of Use is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions remain in full force and effect.

Entire Agreement

These Terms of Use, together with our Privacy Policy and any service-specific agreements, constitute the entire agreement between you and active-asset regarding your use of our website and services, superseding any prior agreements.

Waiver

Our failure to enforce any right or provision of these Terms of Use shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorised representative of active-asset.

Contact Information

If you have questions about these Terms of Use, please contact us:

active-asset
27 Finsbury Square
London EC2A 1PL
United Kingdom
[email protected]