Terms of Use

Agreement to Terms

These Terms of Use govern your access to and use of aureate-crest.com (the "Website") and the financial advisory services provided by Aureate Crest. By accessing or using our Website or engaging our services, you agree to be bound by these terms.

If you disagree with any part of these terms, you should not use our Website or services. We recommend reading these terms carefully before proceeding.

About Aureate Crest

Aureate Crest is a financial advisory firm authorised and regulated by the Financial Conduct Authority. Our registered office is located at 42 Kensington Square, London, W8 5HN, United Kingdom.

We provide financial advice and services to individuals, families, and businesses throughout the United Kingdom. Our authorisation and regulatory status can be verified on the FCA Register.

Website Content

General Information

Content on this Website is provided for general informational purposes only. It does not constitute personal financial advice tailored to your specific circumstances.

Financial decisions should be based on thorough understanding of your individual situation. Nothing on this Website should be interpreted as a recommendation to buy, sell, or hold any financial product or pursue any particular investment strategy.

Accuracy and Currency

While we strive to ensure information on the Website is accurate and current, financial regulations, tax laws, and market conditions change frequently. We cannot guarantee that all content remains up-to-date at all times.

Information is correct as of the date indicated. For time-sensitive matters, we recommend contacting us directly to confirm current information rather than relying solely on Website content.

No Substitute for Professional Advice

This Website cannot replace personalised professional advice. Financial planning requires understanding your complete circumstances, objectives, risk tolerance, and constraints. Only through direct consultation can we provide advice appropriate to your situation.

We strongly encourage you to seek professional guidance before making significant financial decisions. If you're already working with another advisor, consider discussing any information from this Website with them.

Use of the Website

Permitted Use

You may access and use this Website for legitimate purposes consistent with these terms. This includes reading content, contacting us about our services, and sharing links to our Website with others.

Prohibited Activities

You may not:

• Use the Website in any way that violates applicable laws or regulations
• Attempt to gain unauthorised access to any part of the Website, servers, or connected systems
• Transmit viruses, malware, or other malicious code
• Collect information about other users without their consent
• Use automated systems or bots to access the Website in ways that send more requests than a human reasonably could in the same period
• Reverse engineer, decompile, or disassemble any aspect of the Website
• Remove or alter copyright notices, trademarks, or other proprietary markings
• Frame or mirror any Website content without our explicit permission

Account Security

If we provide you with login credentials for any secured area of the Website, you're responsible for maintaining confidentiality of those credentials. Don't share them with others, and notify us immediately if you believe your account has been compromised.

Intellectual Property

All content on this Website, including text, graphics, logos, images, and software, is the property of Aureate Crest or our content suppliers and is protected by UK and international copyright laws.

Our trademarks, service marks, and logos may not be used without our prior written permission. Reference to third-party products, services, or organisations does not constitute endorsement.

Limited Licence

We grant you a limited, non-exclusive, non-transferable licence to access and use the Website for personal, non-commercial purposes. This licence doesn't include any right to:

• Reproduce or download Website content for commercial purposes
• Modify or create derivative works from Website content
• Use content on other websites or networked computer environments
• Redistribute any Website content

If you wish to use Website content beyond these permitted purposes, contact us to request permission.

Third-Party Links

Our Website may contain links to third-party websites or resources. These links are provided for convenience only and don't imply endorsement of the linked sites or responsibility for their content.

We have no control over third-party websites and aren't responsible for their availability, content, accuracy, or practices. Accessing third-party sites is at your own risk, and you should review their terms of use and privacy policies.

Limitation of Liability

Website Availability

We strive to maintain continuous Website availability but cannot guarantee uninterrupted access. The Website may be unavailable due to maintenance, technical issues, or circumstances beyond our control. We're not liable for any losses resulting from Website unavailability.

Information Accuracy

While we make reasonable efforts to ensure Website content is accurate, we don't warrant that information is complete, reliable, current, or error-free. Your use of Website information is at your own risk.

Financial Losses

We're not liable for any financial losses resulting from reliance on general information provided on this Website. Personalised advice requires direct consultation, and decisions based solely on Website content are made at your own risk.

Indirect Damages

To the fullest extent permitted by law, we exclude liability for indirect, consequential, incidental, or punitive damages arising from your use of the Website or inability to access it.

FCA-Regulated Services

Nothing in these terms limits or excludes our liability for regulated financial advice provided directly to you as a client. Such advice is governed by separate client agreements and subject to FCA regulations and compensation scheme protections.

Indemnification

You agree to indemnify and hold harmless Aureate Crest, its advisors, employees, and affiliates from any claims, losses, damages, liabilities, and expenses (including legal fees) arising from your use of the Website, violation of these terms, or infringement of any third-party rights.

Client Services and Agreements

These Website terms are separate from agreements governing our financial advisory services. If you engage us as a client, separate terms of business will apply to that relationship.

Client agreements specify the scope of services, fees, responsibilities, and other important terms. Those agreements take precedence over these Website terms for matters related to advisory services.

Our obligations and potential liabilities regarding regulated advice are defined by client agreements, FCA regulations, and relevant legislation, not by these Website terms.

Financial Promotions

Certain Website content may constitute financial promotions under UK regulations. All financial promotions are approved by Aureate Crest as an FCA-authorised firm.

Financial promotions are directed at UK residents only. If you're located outside the United Kingdom, certain content may not be applicable or appropriate for your jurisdiction. We don't provide services to residents of countries where such provision would violate local regulations.

Regulatory Information

As an FCA-authorised firm, we're required to provide certain information about our regulatory status and the protections available to clients:

FCA Authorisation

We're authorised and regulated by the Financial Conduct Authority. You can verify our authorisation on the FCA Register at register.fca.org.uk.

Compensation Scheme

Eligible clients are covered by the Financial Services Compensation Scheme. Details about compensation scheme coverage can be found at fscs.org.uk.

Complaints

If you're dissatisfied with our services, we have a formal complaints procedure. Ultimately, eligible complainants can refer unresolved complaints to the Financial Ombudsman Service.

Privacy and Data Protection

Our collection and use of personal information is governed by our Privacy Policy and GDPR Compliance statement. Please review these documents to understand how we handle your data.

By using this Website, you consent to data collection and use as described in those policies, subject to your rights under UK data protection legislation.

Changes to Terms

We reserve the right to modify these terms at any time. Changes become effective when posted on the Website, and the "last updated" date will reflect the revision.

Significant changes will be highlighted through prominent notice on the Website. Continued use after changes are posted constitutes acceptance of revised terms.

We recommend reviewing these terms periodically to stay informed of any updates.

Severability

If any provision of these terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and remaining provisions will continue in full effect.

Entire Agreement

These terms, together with our Privacy Policy and Cookies Policy, constitute the entire agreement between you and Aureate Crest regarding use of the Website, superseding any prior agreements or understandings.

For client advisory services, separate client agreements govern that relationship and take precedence over these Website terms for matters related to such services.

Governing Law and Jurisdiction

These terms are governed by the laws of England and Wales. Any disputes arising from these terms or use of the Website will be subject to the exclusive jurisdiction of the courts of England and Wales.

Contact Information

For questions about these terms of use, please contact:

Aureate Crest
42 Kensington Square
London, W8 5HN
United Kingdom
Email: [email protected]

Waiver

Our failure to enforce any right or provision of these terms doesn't constitute a waiver of that right or provision. Any waiver must be in writing and signed by our authorised representative.

Assignment

You may not assign or transfer your rights or obligations under these terms without our prior written consent. We may assign our rights and obligations without restriction.