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Terms of service

Important Legal Notice: please read these Terms of Service carefully BEFORE USING THIS SITE because they set out the terms of a legally binding agreement between you, the user of the site, and us, Digital Fintech Limited.

DISCLAIMERS: THE SITE (INCLUDING THE TOOLS AND THE SITE CONTENT) IS MADE AVAILABLE IN ACCORDANCE WITH THESE TERMS OF SERVICE AND BY ACCESSING AND USING THE SITE, THE TOOLS AND/OR THE SITE CONTENT, AND ON THE BASIS WE MAKE SUCH THINGS AVAILABLE FREE OF CHARGE, YOU EXPRESSLY AGREE THAT YOUR USE OF THE SAME WILL BE SUBJECT TO THE FOLLOWING DISCLAIMERS:

  • BY REVIEWING PUBLICLY AVAILABLE INFORMATION THE SITE IDENTIFIES INFORMATION, THEMES AND TRENDS (“DATA”) ABOUT VARIOUS BUSINESSES AND ABOUT OTHER SUBJECTS AS APPROPRIATE.  WE CANNOT AND DO NOT VERIFY, AND MAKE NO WARRANTIES OR REPRESENTATIONS CONCERNING, THE ACCURACY, INTEGRITY AND/OR COMPLETENESS OF THE THIRD PARTY INFORMATION FROM WHICH THE DATA IS IDENTIFIED AND THEREFORE YOU MUST VERIFY THE ACCURACY OF THE DATA BY CARRYING OUT YOUR OWN INDEPENDENT RESEARCH AND MUST NOT PLACE ANY RELIANCE UPON IT.  WE SHALL HAVE NO LIABILITY FOR ANY RELIANCE YOU PLACE ON ANY DATA IDENTIFIED ON THE SITE;   

  • WE ARE NOT GIVING ANY EXPERT OPINIONS, FINANCIAL ADVICE, ADVICE CONCERNING INVESTMENT DECISIONS, TAX OR LEGAL ADVICE AS OUR INVOLVEMENT IS SIMPLY THE IDENTIFICATION OF DATA BASED ON PUBLICLY AVAILABLE INFORMATION.  FOR THE AVOIDANCE OF DOUBT, NO SITE CONTENT PUBLISHED ON THE SITE (WHETHER BY US OR THIRD PARTIES, FOR EXAMPLE IN THE BLOGS OR DISCUSSION BOARD FORUMS) SHOULD BE CONSIDERED AS ADVICE OR A RECOMMENDATION AS TO THE COURSE OF ACTION YOU SHOULD PURSUE AND AS SUCH IT IS YOUR RESPONSIBILITY TO ANALYSE AND VERIFY SUCH SITE CONTENT BY CARRYING OUT YOUR OWN INDEPENDENT RESEARCH.  WE ARE NOT REGULATED BY THE FINANCIAL SERVICES AUTHORITY;

  • NOTWITHSTANDING THE ABOVE DISCLAIMERS, THE SITE (INCLUDING THE SITE CONTENT AND ANY TOOLS OR FEATURES MADE AVAILABLE ON THE SITE) ARE MADE AVAILABLE ON AN “AS IS” BASIS AND YOUR USE OF THE SAME IS AT YOUR SOLE RISK.  WE MAKE NO REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, AS TO THE ACCURACY, COMPLETENESS OR FAIRNESS OF THE SITE CONTENT AND, SO FAR AS PERMITTED BY LAW AND EXCEPT IN THE CASE OF FRAUD, NO RESPONSIBILITY OR LIABILITY WHATSOEVER IS ACCEPTED BY US FOR THE ACCURACY OR SUFFICIENCY OF ANY OF THE SITE CONTENT OR FOR ANY ERRORS, OPINIONS, OMISSIONS OR MISSTATEMENTS, NEGLIGENT OR OTHERWISE, RELATING TO THE SITE CONTENT.  YOU MUST CONDUCT YOUR OWN INDEPENDENT INVESTIGATION AND ANALYSIS OF THE SITE CONTENT AND YOU SHOULD NOT RELY ON ANY OF THE SITE CONTENT IN HELPING YOU TO MAKE ANY INVESTMENT OR OTHER DECISIONS; AND

  • WE DO NOT GUARANTEE, WARRANT OR REPRESENT THAT THE SITE, SITE CONTENT AND/OR ANY TOOLS, WILL ALWAYS BE AVAILABLE OR BE UNINTERRUPTED OR THAT THE SAME WILL BE FREE FROM ERRORS OR OMISSIONS AND WE WILL NOT BE LIABLE TO YOU IN RELATION TO ANY SUCH ERRORS, OMISSIONS OR IF THE SITE (OR SITE CONTENT) IS INTERRUPTED OR UNAVAILABLE AT ANY TIME OR FOR ANY PERIOD.

 

1    DEFINITIONS

In these Terms of Service, the following definitions apply:

“Account”

means a user account that may be created by completing and submitting our account registration forms on the Site.  

“Broker Comparison Services”

means the broker comparison services from time to time made available on the Site which allows registered users to compare quotes from selected third party broker service providers.

“Contributions”

means the material contributed by users of the Site, as defined in section 9 of these Terms of Service.

“Intellectual Property Rights”

means all intellectual property rights wherever in the world arising, whether registered or unregistered and including any application or right of application for such rights including, but not limited to, copyright and related rights, moral rights, registered and unregistered trade marks, patents, design rights, rights to use, and protect the confidentiality of confidential information (including know-how and trade secrets) and database rights.

“Site Content”

means any and all content (including, but not limited to, textual, graphic, video, audio, audio visual and photographic material), data and information contained or otherwise published on the Site or otherwise made available by the Tools.

“Site”

means the site currently hosted at Trading.co.uk or any successor site operated by us from time to time and, where the context requires, includes any Site Content and/or Tools made available on the Site.

“Tools”

means the tools, features, functionality, products and services from time to time made available on the Site.

"Terms of Service”

means these terms of service as may be updated from time to time in accordance with section 23.

“we”, “us”, “our”

means Digital Fintech Limited (company number: 08035366) whose registered office at The Coach House, St Mary’s Business Centre, 66-70 Bourne Road, Bexley, Kent DA5 1LU.

“you”, “your”

means any person who uses the Site.

 

2    INTRODUCTION

Welcome to the Site.

If you register for an Account on the Site, we will ask you to irrevocably agree to these Terms of Service, but, in the absence of registration, by continuing to browse or use the Site you are agreeing to comply with and be bound by these Terms of Service.

If you do not agree to these Terms of Service, you must not use the Site.

 

3    INFORMATION ABOUT US

The Site is operated by Digital Fintech Limited, a company registered in England and Wales under company number 09523369, with registered office at The Coach House, St Mary’s Business Centre, 66-70 Bourne Road, Bexley, Kent DA5 1LU.

 

4    OTHER APPLICABLE TERMS

These Terms of Service refer to the following additional terms, which also apply to your use of the Site:

  • Our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us 

  • Our Cookies Policy, which sets out information about the cookies on the Site.

By agreeing to these Terms of Service, you agree that you have read, understood and agree to the terms of our Privacy Policy and Cookie Policy.

 

5    ACCESS

The Site is currently made available by us free of charge. However, you will be required to register to open an Account in order to access much of the Site and the Site Content and Tools made available on the Site. Furthermore, we do not represent or warrant that the Site will always be made available free of charge and we reserve the right, in the future, to charge users to access the Site or to introduce charges for any services made available on the Site.  

Please note that, whilst we use reasonable efforts to ensure the Site is available at all times, we cannot, and do not, guarantee that the Site (or any part of it) will always be available or uninterrupted. In particular, the Site (or any part of it) may be unavailable during periods when we are implementing upgrades or carrying out essential maintenance on the Site. Access to the Site is permitted on a temporary basis and we may suspend, withdraw, discontinue or change all or any part of the Site without notice.

You are responsible for making all arrangements necessary for you to have access to the Site.

 

6    LICENCE TO USE THE SITE

We or our licensors own the Intellectual Property Rights in the Site and all the Site Content and Tools made available on the Site. In consideration of your compliance with these Terms of Service, we grant to you a non-exclusive, non-transferable, royalty-free licence to access the Site, download for caching purposes only, and print individual pages from the Site all for your personal, lawful non-commercial use only and subject to restrictions set out in these Terms of Service.

If you fail to comply with these Terms of Service, this licence shall immediately terminate and you shall immediately cease using the Site and any Site Content you may have accessed on the Site.

If you wish to make any use of any Site Content other than that set out above, please contact enquiries@trading.co.uk

 

7    ACCOUNTS AND SECURITY

You will not be able to access the Site (other than the homepage and certain other limited pages) without registering your details with us and opening an Account. As part of the registration process, you will be required to confirm your username, password, e-mail address and [social Facebook, Twitter etc.] and provide us with certain other information about yourself. You agree to provide complete and accurate information and to update us of any changes to such information where appropriate. Failure to do so shall constitute a breach of these Terms of Service, which may result in the termination of your Account.

You shall be responsible for maintaining the confidentiality of any password or any other security information relating to your Account and you agree not to disclose any such information to any third party or authorise any third party to access the Site using your Account. You agree that your Account is personal to you and you shall therefore be entirely responsible for any activities carried out by others using your Account details. Furthermore, when registering to open an Account, you agree not to select or otherwise use an e-mail address or username which is, in our sole discretion, offensive or inappropriate or with the intent of impersonating another person.

You may only use the Site and/or open an Account if your applicable jurisdiction allows you to accept these Terms of Service.

We shall have the right to disable any username or password, whether chosen by you or allocated by us, at any time, if (in our sole opinion) you have failed to comply with any of the provisions of these Terms of Service.

 

8    PERMITTED USE POLICY

You agree that you shall not do any of the following without our prior written permission either solely or jointly with or on behalf of any other third party directly or indirectly: 

  • rely on any of the Site Content or Tools on the Site to support investment decisions; 

  • reproduce or copy the Site (or any Site Content) or in any way commercially exploit, modify or create derivative works from them (other than as expressly permitted under these Terms of Service); 

  • distribute, transmit or publish any of the Site Content (including using it as part of any library, archive or similar service); 

  • use the Site for the benefit of any third party; 

  • attempt to decompile, reverse engineer, disassemble or hack the Site (or any part of it) or any algorithms or software that forms part of the Site; 

  • access the Site (or any part of the Site) in order to build a product or service which competes with the Site; 

  • harvest or collect any information about or regarding any Account holders on the Site, including, but not limited to any personal data or information; 

  • create a database in electronic or structured manual form by downloading and storing all or any of the Site Content for any purpose whatsoever; 

  • robotically or otherwise automatically harvest, scrape, extract, copy, access or collect any information or data from the Site; 

  • make available, distribute or upload any files that contain viruses, bugs, corrupted files, trojan horses, worms or any other software or programs that may in any way cause damage or harm; 

  • delete any author attributions, legal notices, (including but not limited to copyright and trade mark notices) or proprietary designations or labels in any file that is uploaded; 

  • make available, distribute or upload any material which: (i) is defamatory of any person or entity; (ii) contains any material that is obscene, offensive, hateful or inflammatory; (iii) is likely to deceive any person; (iv) is in breach of any legal duty owed to a third party, such as a contractual duty or a duty of confidence; (v) advocates, promotes or assists any unlawful act; (vi) is threatening, abusive or invades another’s privacy or is likely to harass, embarrass or alarm any other person or entity; (vii) gives the impression that they emanate from us if this is not the case; (viii) promotes discrimination based on race, sex, religion, nationality, disability, sexual orientation, age or otherwise; or (ix) infringes any copyright, database right or trade mark or any other intellectual property or other rights of any other person or entity; 

  • damage, interfere with or disrupt access to the Site or do anything which may interrupt or impair the Site's functionality. 

You agree to comply with all applicable laws, regulations and codes of conduct that may apply to any of your activities and to ensure that anything you do in relation to the Site (including any Site Content) does not infringe the rights of any other person.

 

9    USER-GENERATED CONTENT AND CONTENT STANDARDS

Whenever you make use of a feature on the Site (such as our discussion board forum) that allows you to input or upload content (collectively Contributions), you acknowledge and agree that any and all Contributions are accurate (where they state facts), are genuinely held (where they state opinions) comply with applicable law in the UK and in any country from which they are posted and otherwise comply with our Permitted Use Policy in section 8 of these Terms of Service.

You acknowledge and agree that you are responsible for any Contributions you make on the Site and you are financially responsible to us for any claim made against us by a third party concerning your Contributions.

Furthermore, you must ensure that at all times your Contributions do not constitute financial advice, a financial promotion or advertisement for any particular investment or business or otherwise constitute any financial service or activity regulated by the Financial Services and Markets Act 2000 and the Financial Services and Markets Act 2000 (Financial Promotions) Order 2005 or any similar legislation.

We do not have any control over the Contributions users may submit on the Site and therefore we cannot guarantee the accuracy, completeness or quality of any Contributions published on the Site.

It is not possible for us to monitor fully all Contributions made on our Site, but where we have received notice of any Contributions that are potentially misleading, offensive, unlawful, or which infringe any third party’s rights or is otherwise in breach of these Terms of Service, we will review the Contribution and decide whether, at our sole discretion, to remove it from the Site. The views expressed by other users on the Site do not represent our views or values. If you believe that any Contributions published on the Site are in breach of these Terms, please notify us immediately at enquiries@trading.co.uk.

Please note that any Contributions you upload to the Site will be considered non-confidential. Whilst you retain all of your ownership rights in your Contributions, you hereby grant us a licence to use, amend, store, copy and distribute the whole or any part of your Contributions as we, in our sole discretion, consider appropriate on a non-exclusive, royalty-free, irrevocable and worldwide basis. You also grant us the right, under section 101A of the Copyright Designs and Patents Act 1988, to bring an action for infringement of any or all of these rights.

 

10    BROKER COMPARISON SERVICE

Our Broker Comparison Service provides information on and links to different third party broker services or financial product providers. The products and services made available through the Broker Comparison Service are made available by third party service providers (Service Provider) and not by us, and therefore before purchasing any such products and / or services you must satisfy yourself that the product / service is suitable for your individual requirements and you should read the respective Service Provider’s terms and conditions as they will determine the basis on which the products / services are made available to you. You acknowledge and agree that we shall not be responsible for any products and/or services you purchase as a result of using the Broker Comparison Service or for any acts or omissions of the Service Provider.  

Please be aware that in the course of using the Broker Comparison Service, clicking on links will take you directly or indirectly to the third party Service Provider’s websites, and may result in us receiving a fee or commission for you visiting their website or purchasing their service or product following your use of the Broker Comparison Service.  Please also be aware that we will only display quotes on the Broker Comparison Service of Service Providers we have entered into an agreement with and therefore the service is not intended to provide you with quotes from the entire market of brokers.

When using the Broker Comparison Service you agree to provide us with complete and accurate information. You acknowledge that, if you fail to provide complete and accurate information whilst using the Broker Comparison Service (depending on the terms and conditions relevant Service Provider) any products or services you purchase may be void and your quote may not be accurate and you may be required to pay additional premiums by the Service Provider.

Furthermore, you acknowledge and agree that:

  • we are not endorsing and/or recommending any of the products and / or services compared on the Broker Comparison Service; 

  • we are not providing any financial advice or assistance in relation to the products and/or services compared on the Broker Comparison Service;

  • we have no control over the prices quoted by the Service Providers or the length of time their quotes may remain valid and the quotes provided are subject to change; and 

  • if you have any questions or would like to purchase any of the products and/or services compared you must contact the respective Service Provider.

 

11    SENTIMENT

Our Sentiment tool comments on whether the tone of the articles appearing on the Site are positive or negative. The Tool is provided as an indicative guide only and your use of the Tool is subject to the Disclaimers set out above in these Terms of Service.

 

12    CREDIBILITY RATINGS

We may present figures or scales alongside some of our Site Content (such as our newsfeeds). These include credibility ratings (which comment on the level of credibility the information is determined to have, based on subjective views (which are formed at our sole discretion) taken as to the credibility of the sources who publish the relevant information.

 

13    RELIABILITY SCALES

The Site includes a sliding scale tool which allows you to select your preference as to what extent you wish to receive breaking news stories or whether you only wish to receive news about a business once it has appeared in a number of credible news outlets.

 

14    COMPUTER-GENERATED CONTENT

Much of the Site Content (such as our newsfeeds) is generated by our proprietary software and algorithms reviewing publicly available information and, as such, we rely on our users to inform us if they notice any errors appearing on the Site. If you therefore notice any errors, please do not hesitate to contact us at enquiries@trading.co.uk

 

15    LIMITATION OF OUR LIABILITY

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

As the Site is made available to you free of charge and is subject to the Disclaimers detailed above, we make the Site available to you in accordance with the following limitations of liability: 

  • To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to the Site or any content on it (including, but not limited to the Site Content and/or the Tools made available on the Site), whether express or implied.

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

  • We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with use of, or inability to use, the Site (including the Site Content and the Tools made available on the Site). 

  • Please note that in particular, we will not be liable for: loss of profits, sales, business, or revenue; business interruption; loss of anticipated savings; loss of business opportunity, goodwill or reputation; or any indirect or consequential loss or damage. 

  • ON THE BASIS THAT THE SITE IS MADE AVAILABLE FREE OF CHARGE AND ON THE BASIS OF THE OTHER PROVISIONS SET OUT IN THESE TERMS OF SERVICE, YOUR SOLE REMEDY WITH RESPECT TO ANY PROBLEMS OR DISSATISFACTION WITH THE SITE (OR ANY PART OF IT) IS TO (IF APPLICABLE) TERMINATE YOUR ACCOUNT AND DISCONTINUE USE OF THE SITE AND THE SITE CONTENT.

 

16    INDEMNITY

You will indemnify us and keep us indemnified against any loss, damage, expense, cost or liability incurred or suffered by us arising out of any breach by you of any of these Terms of Service, or arising out of any claim that you have breached any of these Terms of Service.

 

17    VIRUSES

We do not guarantee that the Site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform in order to access the Site. You should use your own virus protection software.

You must not misuse the Site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the Site, the server on which the Site is stored or any server, computer or database connected to the Site. You must not attack the Site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would 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 the Site will cease immediately.

 

18    THIRD PARTY LINKS AND RESOURCES ON THE SITE

We do not endorse or have any responsibility for any third party information, content, services, products or websites we may link to or mention on the Site. Any links or mentions are provided for information only. When using third party services or websites, you will be subject to that third party’s terms and conditions, and we recommend that you read them in full. We have no control over the availability or contents of those third party websites or their products and/or services. We will not be liable for any loss or damage that may arise from your use of them.

 

19    LINKING TO THE SITE

You may link to any page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link to the Site in any website that is not owned by you.

The Site must not be framed on any other website, nor may you create a link to any part of the Site other than the home page without our prior written consent.

We reserve the right to withdraw linking permission without notice.

 

20    ELIGIBILITY

Please note that our Site is available only to individuals that can form legally binding contracts under applicable law. You must therefore be over 18 years to access and use the Site. By registering for an Account or otherwise using the Site, you confirm that you are at least 18 years old.

 

21    PUBLISHER ENQUIRIES

If we have provided a link to your Website or, if we have made reference to you or information published by you, and you have any questions regarding the same, please do not hesitate to contact us at enquiries@trading.co.uk where we will be happy to answer any questions you may have.

 

22    CHANGES

We may update the Site from time to time, and may change the content at any time. However, please note that any of the content on the Site may be out of date at any given time, and we are under no obligation to update it.

We may revise these Terms of Service at any time by amending this page. Please check this page from time to time to take notice of any changes we made, as they are binding on you. [You can determine when we last changed these Terms of Use by referring to the ‘LAST UPDATED’ statement at the bottom of these Terms of Service.] Your use of the Site following changes to these Terms of Service will constitute your acceptance of those changes.

 

23    ASSIGNMENT

You may not assign, sub-licence or otherwise transfer any of your rights under these Terms of Service as such rights are personal to you.

 

24    SEVERANCE

If any part of these Terms of Service is deemed to be unlawful, void or for any reason unenforceable by any Court having competent jurisdiction then that provision shall be deemed severable from these Terms of Service and the validity of the remaining provisions will be unaffected.

 

25    WAIVER

If we do not exercise any right or remedy under these Terms of Service, this will not mean that such right or remedy has been waived.

 

26    ENTIRE AGREEMENT

These Terms of Service contain our entire agreement and understanding with you in relation to your use of the Site and you agree that you do not rely on any statement, warranty or representation that is no expressly included.

 

27    APPLICABLE LAW

Your use of the Site and these Terms of Service shall be governed and interpreted in accordance with the laws of England and Wales and the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with these Terms of Service or their subject matter or formation (including non-contractual disputes or claims).

 

28    CONTACT US

To contact us, please email enquiries@trading.co.uk 

 

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