Terms of Use

Last updated: January 2024

These terms of use govern your access to and use of the shrouded-frost website. By accessing or using our website, you acknowledge that you have read, understood, and agree to be bound by these terms.

About Us

This website is operated by Pemberton Financial Consultancy Ltd, trading as shrouded-frost. We are registered in England and Wales under company number 09847621, with our registered office at 47 Pemberton House, Victoria Street, London SW1E 5NE.

Website Use

The content on this website is provided for general information purposes only. It is not intended to constitute professional financial advice and should not be relied upon as such. Before making any financial decisions, you should seek appropriate professional guidance tailored to your specific circumstances.

You may access and use this website for lawful purposes only. You agree not to:

• Use the website in any way that violates applicable laws or regulations
• Attempt to gain unauthorised access to any part of the website or its systems
• Introduce viruses, malware, or other harmful code
• Interfere with or disrupt the website's operation
• Collect or harvest data from the website without permission
• Use automated systems or software to extract data from the website

Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of Pemberton Financial Consultancy Ltd or its content suppliers and is protected by copyright and other intellectual property laws.

You may view, download, and print content from this website for your personal, non-commercial use, provided you:

• Do not modify the content
• Retain all copyright and proprietary notices
• Do not use the content for commercial purposes without our written consent

The shrouded-frost name and logo are trademarks of Pemberton Financial Consultancy Ltd. You may not use these without our prior written consent.

Information Accuracy

We make reasonable efforts to ensure the information on our website is accurate and current. However, we do not warrant or guarantee that:

• The information is complete, accurate, or up to date
• The website will be available at all times without interruption
• The website is free from errors or defects

Financial regulations, tax laws, and market conditions change frequently. Information that was accurate when published may become outdated. We recommend verifying any information before acting on it.

Not Financial Advice

The content on this website is intended to provide general information about financial management concepts and our services. It does not constitute:

• Regulated financial advice
• Investment recommendations
• Tax advice
• Legal advice

Any decisions you make based on information from this website are at your own risk. For personalised guidance, please engage our consultancy services or consult with appropriately qualified professionals.

Service Information

Details about our services, including pricing, are provided for informational purposes. While we endeavour to keep this information current, prices and service offerings may change without notice. The terms of any services you engage will be confirmed in writing before work commences.

Third-Party Links

Our website may contain links to external websites operated by third parties. These links are provided for convenience and do not signify endorsement. We have no control over the content or practices of third-party websites and accept no responsibility for them.

If you follow a link to an external website, you do so at your own risk and should review that website's terms and privacy policy.

Limitation of Liability

To the fullest extent permitted by law, Pemberton Financial Consultancy Ltd excludes liability for:

• Any direct, indirect, incidental, or consequential damages arising from your use of or inability to use this website
• Any errors or omissions in the website content
• Any unauthorised access to or alteration of your transmissions or data
• Any loss of data or profits arising from your use of the website

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded by law.

Indemnification

You agree to indemnify and hold harmless Pemberton Financial Consultancy Ltd, its directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from your violation of these terms or your use of the website.

Privacy

Your use of this website is also governed by our Privacy Policy, which explains how we collect and use your personal information. By using this website, you consent to the practices described in that policy.

Cookies

We use cookies and similar technologies on our website. For details on the cookies we use and how to manage them, please see our Cookies Policy.

Changes to These Terms

We may revise these terms of use at any time by updating this page. Changes take effect when posted. Your continued use of the website after changes are posted constitutes acceptance of the revised terms.

We encourage you to review these terms periodically to stay informed of any updates.

Severability

If any provision of these terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

Entire Agreement

These terms, together with our Privacy Policy and Cookies Policy, constitute the entire agreement between you and Pemberton Financial Consultancy Ltd regarding your use of this website.

Governing Law

These terms of use are governed by and construed in accordance with the laws of England and Wales. Any disputes relating to these terms or your use of the website shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Contact Us

If you have questions about these terms of use, please contact us:

Email: [email protected]
Address: 47 Pemberton House, Victoria Street, London SW1E 5NE