Terms of Service

1. AGREEMENT TO TERMS

These Terms of Service ("Terms") form a binding agreement between you ("Customer") and Lydiam Group ("Company," "we," "us," or "our") regarding your access to and use of our website, mobile applications, and services, including financial products (collectively, the "Platform").

By using the Platform, you agree to these Terms and our Privacy Policy. If you disagree, you must stop using the Platform immediately.

We may update these Terms at any time. Continued use after changes constitutes acceptance.

2. INTELLECTUAL PROPERTY RIGHTS

All content, trademarks, and materials on our Platform ("Content") are owned or licensed by us and protected by intellectual property laws.

The Content is provided for your personal, non-commercial use only. You may not copy, reproduce, or commercially exploit any Content without our prior written permission.

3. USER REPRESENTATIONS

By using the Platform, you confirm that:

• All registration information you submit will be true, accurate, current, and complete.
• You will maintain the accuracy of such information and promptly update such registration information as necessary.
• You have the legal capacity and you agree to comply with these Terms of Service.
• You are not a minor in the jurisdiction in which you reside.
• You will not access the Site through automated or non-human means, whether through a bot, script or otherwise.
• You will not use the Site for any illegal or unauthorized purpose.
• Your use of the Site will not violate any applicable law or regulation.

4. FINANCIAL PRODUCTS & SERVICES

4.1 Our Services: We offer financial advisory and investment management services ("Services"). Descriptions, performance data, and pricing may change without notice.

4.2 Fees and Payment: You agree to pay all applicable fees for Services purchased. Fees are in GBP plus applicable taxes. You authorize us to charge your chosen payment method.

4.4 Cancellations: Cancellation rights depend on applicable regulations and will be detailed in your client agreement. Refunds, when applicable, will be processed within 30 days.

5. PROHIBITED ACTIVITIES

You may not:

• Systematically collect data from our Platform
• Mislead or defraud us or other users
• Circumvent security features
• Use the Platform for unauthorized commercial purposes
• Violate applicable laws or regulations

6. USER GENERATED CONTENT

If you submit content, you grant us a worldwide license to use, modify, and distribute it. You must not submit false, infringing, unlawful, or commercial content. We may remove content at our discretion.

7. THIRD-PARTY LINKS

We're not responsible for third-party websites linked from our Platform. Access them at your own risk.

8. PRIVACY POLICY

Your use is subject to our Privacy Policy [insert link].

9. TERMINATION

We may suspend or terminate your access at our discretion, including for Terms violations.

10. DISCLAIMER

The Platform and Services are provided "AS IS" without warranties. We don't guarantee uninterrupted, secure, or error-free operation, or that Services will meet your objectives.

11. LIMITATIONS OF LIABILITY

We will not be liable for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profit, lost revenue, or loss of data, and our total liability is limited to the greater of £100 or the amount you paid us in the prior 6 months.

12. GOVERNING LAW & DISPUTES

These Terms are governed by the laws of the United Kingdom. We both irrevocably agree to attempt informal resolution of disputes before any legal action, and the courts of the United Kingdom shall have exclusive jurisdiction to resolve any disputes that arise.

13. INDEMNIFICATION

You'll defend and indemnify us against claims arising from your Platform use, breach of Terms, or violation of third-party rights.

14. ELECTRONIC COMMUNICATIONS

Using our Platform and email constitutes electronic communication, satisfying legal writing requirements.

15. GENERAL

These Terms are the entire agreement. If any part is unenforceable, the rest remains valid. Our failure to enforce rights isn't a waiver. We may assign our rights under these Terms.

16. CONTACT

In order to resolve a complaint regarding the Site or to receive further information regarding use of the Site, please contact us at: