Terms of Use

1. Introduction

These Terms of Use govern your access to and use of porticoadvisers.com (the "Site") operated by Portico Advisers Ltd ("Portico", "we", "us", or "our"), and all content, services, and products available at or through the Site (collectively, the "Services").

By accessing or using our Site or Services, you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, you must not access or use our Services.

Portico is a UK limited company registered in England and Wales (#16773767). Registered address: 1 Westfield Ave, London E20 1HZ, United Kingdom. Contact email: info@porticoadvisers.com

2. Eligibility

Our Services are not directed to children under the age of 13. By using our Services, you confirm that you are at least 13 years of age. If you are under 13, you must not use our Services.

3. Intellectual Property Rights

3.1 Our Content

All content on the Site, including but not limited to text, data, articles, guides, graphics, logos, images, and other materials, is the exclusive property of Portico Advisers Ltd or its content suppliers and is protected by UK and international copyright, trademark, and other intellectual property laws.

3.2 Rights Reserved

This Agreement does not transfer any intellectual property rights from Portico to you. All rights not expressly granted in these Terms of Use are reserved by Portico.

4. Permitted Use of Site Content

Subject to these Terms of Use, we grant you a limited, non-exclusive, non-transferable right to:

• View and access content on the Site for your personal, non-commercial use;
• Download and print one copy of content for your personal reference;
• Share links to our content, provided you attribute the content to Portico Advisers Ltd.

You may not:

• Modify, reproduce, distribute, republish, or create derivative works from Site content without our prior written consent;
• Use any content for commercial purposes without a licence from us;
• Remove or alter any copyright, trademark, or other proprietary notices;
• Use automated systems to access or collect content from the Site;
• Frame or embed our Site content on another website without permission.

5. Third-Party Links and Content

Our Site may contain links to third-party websites, services, or resources that are not owned or controlled by Portico. We do not endorse and are not responsible for the content, accuracy, or opinions expressed on third-party websites, privacy practices or terms of use of third-party sites, or any harm, loss, or damage arising from your use of third-party websites. You access third-party websites at your own risk.

6. User Conduct

When using our Services, you agree not to:

• Violate any applicable laws or regulations;
• Infringe upon the intellectual property rights of others;
• Transmit viruses, malware, or other harmful code;
• Attempt to gain unauthorised access to our systems or networks;
• Interfere with or disrupt the operation of the Site;
• Use the Site for any unlawful or fraudulent purpose;
• Impersonate any person or entity;
• Collect or harvest personal information about other users.

7. Disclaimers

The Site and all content and services are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, Portico disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

Content on the Site is provided for general information purposes only and does not constitute professional, financial, legal, or investment advice. You should not rely on Site content as a substitute for professional advice tailored to your specific circumstances.

8. Limitation of Liability

To the fullest extent permitted by law, Portico Advisers Ltd and its directors, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, loss of profits, revenue, data, or business opportunities, business interruption or loss of use, or cost of procurement of substitute goods or services.

Our total liability to you for all claims arising out of or relating to these Terms of Use or your use of the Site shall not exceed the amount you paid to us in the twelve (12) months preceding the claim, or £100, whichever is greater.

Nothing in these Terms of Use 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 or limited under applicable law.

9. Indemnification

You agree to indemnify, defend, and hold harmless Portico Advisers Ltd and its directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses arising out of or relating to your use of the Site or Services, your violation of these Terms of Use, your violation of any rights of another party, or your violation of any applicable laws or regulations.

10. Changes to Terms

We may revise these Terms of Use from time to time at our sole discretion. Changes will be effective when we post the revised Terms of Use on the Site, and the "Last updated" date will be updated accordingly. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms of Use.

11. Changes to the Site

We reserve the right to modify, suspend, or discontinue any part of the Site or Services at any time without notice.

12. Termination

We may terminate or suspend your access to the Site immediately, without prior notice or liability, for any reason, including if you breach these Terms of Use.

13. Governing Law and Jurisdiction

These Terms of Use and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of England and Wales. You agree that the courts of England and Wales shall have exclusive jurisdiction.

14–18. General Provisions

If any provision of these Terms of Use is found to be invalid, the remaining provisions shall continue in full force and effect. Our failure to enforce any right or provision shall not constitute a waiver. These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and Portico. You may not assign these Terms of Use without our prior written consent.

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