TERMS AND CONDITIONS

Thank you for visiting our website (the Website). The Website is operated by Mercia Gaincroft (we, us). Contact: [email protected]. By using the Website or our services (Services), you agree to these Terms and our Privacy policy. If you disagree, do not use the Website. We may update these Terms by posting changes; continued use means acceptance.

NO INVESTMENT ADVICE

Content is for general information only and does not constitute personal financial, investment, tax, or legal advice. You should obtain independent professional advice before making any investment decision.

PRODUCTS, THIRD PARTIES, AND LINKS

References to products, platforms, or links may be provided by third parties. Links are provided for convenience; we do not control third-party sites and are not responsible for their content or policies. Nothing on the Website is an offer, solicitation, or recommendation to buy or sell any financial product.

ELIGIBILITY AND ACCEPTABLE USE

You must be 18+ and able to enter a binding contract. You must not misuse the Website, including through unlawful activity, malware, harassment, scraping without consent, or attempts to bypass security. We may suspend access for breach or risk.

INTELLECTUAL PROPERTY

Website content is owned by us or our licensors and protected by law. You receive a limited, non-exclusive licence to access it for personal, non-commercial use. No copying, redistribution, or reverse engineering except as permitted by law.

DISCLAIMERS AND LIMITATION OF LIABILITY

To the maximum extent permitted by law, the Website and Services are provided as is without warranties of any kind. We are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or reliance on the information provided here. Where liability cannot be excluded, our liability is limited to the maximum extent permitted by applicable law.

PRIVACY AND DATA PROTECTION

Personal data is processed as described in our Privacy policy. Where applicable privacy or data protection laws apply, we use appropriate technical and organisational measures and assist with rights requests as required by our role and applicable law.

GOVERNING LAW AND CONTACT

These Terms are governed by applicable law as stated in our main disclosures. For questions, contact [email protected].