Terms of Use

Agreement to Terms

These Terms of Use constitute a legally binding agreement between you and Electron Spark regarding your use of our website and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you should not use our website.

About Our Website

This website is operated by Electron Spark, a financial management firm based in Bristol, United Kingdom. Our registered address is 45 Queen Square, Bristol BS1 4LH, United Kingdom.

We are authorized and regulated by the Financial Conduct Authority (FCA). Our services are subject to FCA regulations and the rules of other relevant regulatory bodies.

Use of Website

Permitted Use

You may use our website for lawful purposes only. Specifically, you may:

• View and browse website content
• Learn about our services and approach
• Contact us through the provided channels
• Access information about financial management topics

Prohibited Activities

You must not:

• Use the website in any way that breaches applicable laws or regulations
• Use the website in any way that is unlawful, fraudulent, or has any unlawful or fraudulent purpose
• Attempt to gain unauthorized access to our website, servers, or databases
• Attack our website via a denial-of-service attack or distributed denial-of-service attack
• Introduce viruses, trojans, worms, or other malicious or harmful material
• Copy, reproduce, or republish website content without our written permission
• Use automated systems or software to extract data from the website (screen scraping)
• Collect or harvest any information from the website that could identify individuals

Website Content

Information Accuracy

We strive to ensure that information on our website is accurate and current. However, we do not guarantee that all information is complete, accurate, or up to date at all times. Financial regulations, tax laws, and market conditions change frequently, and information that was accurate when published may become outdated.

You should not rely solely on website content for financial decisions. Always seek personalized professional advice for your specific circumstances.

Not Financial Advice

General information provided on this website does not constitute regulated financial advice. Specific recommendations tailored to your circumstances are only provided through our formal advisory relationship, which requires a comprehensive understanding of your financial situation.

Reading website content does not create an advisor-client relationship. Such a relationship only exists when we have formally agreed to provide you with financial advice services.

Intellectual Property Rights

Unless otherwise stated, we or our licensors own the intellectual property rights in the website and all material published on it. This includes but is not limited to text, graphics, logos, images, and software.

You may view, download, and print pages from the website for your personal use, subject to the restrictions set out below:

• You must not republish material from this website without our written consent
• You must not sell, rent, or sub-license material from the website
• You must not reproduce, duplicate, or copy material for commercial purposes
• You must not edit or modify any material on the website
• You must not redistribute content unless expressly permitted

Third-Party Links

Our website may include links to third-party websites, applications, or resources. These links are provided for your convenience and do not signify our endorsement of such websites or resources.

We have no control over the content of third-party sites and accept no responsibility for them or for any loss or damage that may arise from your use of them. When you access third-party sites, you do so at your own risk.

Limitation of Liability

Website Availability

We do not guarantee that our website will always be available or uninterrupted. We may suspend, withdraw, or restrict the availability of all or any part of our website for business and operational reasons.

Exclusions and Limitations

To the fullest extent permitted by law, we exclude all conditions, warranties, representations, or other terms that may apply to our website or any content on it, whether express or implied.

We will not be liable for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, arising from or in connection with use of our website or inability to use it, including but not limited to:

• Loss of profits, sales, business, or revenue
• Business interruption
• Loss of anticipated savings
• Loss of business opportunity, goodwill, or reputation
• Any indirect or consequential loss or damage

Nothing in these Terms excludes or limits our liability for death or personal injury arising from our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

Client Services Terms

If you engage our financial management services, separate terms and conditions will apply in addition to these website Terms of Use. Those terms will be provided to you before you become a client and will govern our professional relationship.

Client service terms will cover matters including:

• Scope of services
• Fees and charges
• Regulatory disclosures
• Complaints procedures
• Conflicts of interest
• Data protection

Privacy and Personal Information

Our use of personal information is governed by our Privacy Policy, which should be read in conjunction with these Terms of Use. By using our website, you consent to the processing of your data in accordance with our Privacy Policy.

Changes to These Terms

We may revise these Terms of Use at any time by updating this page. You are expected to check this page periodically to review the current Terms. Changes become effective when posted, and your continued use of the website after changes are posted constitutes acceptance of the revised Terms.

The "Last updated" date at the top of this page indicates when these Terms were last modified.

Governing Law and Jurisdiction

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

Severability

If any provision of these Terms is found to be invalid or unenforceable by a court, the remaining provisions will continue in full force and effect. The invalid or unenforceable provision will be replaced with a valid, enforceable provision that most closely matches the intent of the original provision.

Entire Agreement

These Terms of Use, together with our Privacy Policy and Cookies Policy, constitute the entire agreement between you and Electron Spark regarding use of this website and supersede all prior agreements and understandings.

Waiver

Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. No waiver of any term will be deemed a further or continuing waiver of that term or any other term.

Contact Information

Questions or concerns about these Terms of Use should be directed to:

Email: [email protected]
Address: Electron Spark, 45 Queen Square, Bristol BS1 4LH, United Kingdom

Regulatory Information

Electron Spark is authorized and regulated by the Financial Conduct Authority. You can verify our regulatory status on the FCA register at www.fca.org.uk/register.

If you have a complaint about our services, please refer to our complaints procedure, which will be provided as part of our client service terms. If you are not satisfied with our response, you may be able to refer your complaint to the Financial Ombudsman Service.

Professional Indemnity Insurance

We maintain professional indemnity insurance in accordance with FCA requirements. Details of our insurance coverage are available upon request.