Terms of Use

Last update: 19 October 2025.

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: [email protected]

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 (such as robots or scrapers) 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 have not reviewed and cannot review all material available through third-party links.

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
  • Any harm, loss, or damage arising from your use of third-party websites

You access third-party websites at your own risk and should review their terms and privacy policies.

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

7.1 General Disclaimer

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 BUT NOT LIMITED TO:

  • WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT
  • WARRANTIES THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE
  • WARRANTIES REGARDING THE ACCURACY, RELIABILITY, OR COMPLETENESS OF CONTENT

7.2 Professional Advice Disclaimer

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.

We make no representations or warranties regarding the accuracy, completeness, or currentness of information on the Site.

7.3 No Warranty

We do not warrant that:

  • The Site or its servers are free from viruses or other harmful components
  • Your use of the Site will be continuous or uninterrupted
  • Errors or defects will be corrected
  • Any content obtained through the Site will meet your requirements

8. Limitation of Liability

8.1 Exclusions

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
  • Cost of procurement of substitute goods or services

This applies whether the claim is based in contract, tort (including negligence), strict liability, or otherwise, and even if we have been advised of the possibility of such damages.

8.2 Maximum Liability

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.

8.3 Statutory Rights

Nothing in these Terms of Use excludes or limits our liability for:

  • Death or personal injury caused by our negligence
  • Fraud or fraudulent misrepresentation
  • Any other liability that cannot be excluded or limited under applicable law

Your statutory rights as a consumer are not affected by these Terms of Use.

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 (including reasonable legal fees) 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
  • 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. We encourage you to review these terms periodically.

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. We will not be liable to you or any third party for any such modification, suspension, or discontinuation.

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.

Upon termination, your right to use the Site will immediately cease. All provisions of these Terms of Use that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnification, and limitations of liability.

13. Governing Law and Jurisdiction

These Terms of Use and any dispute or claim arising out of or in connection with them or their subject matter 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 to settle any dispute or claim that arises out of or in connection with these Terms of Use or their subject matter.

If you are a consumer, you may also bring proceedings in the courts of the country where you live, and nothing in this clause affects your statutory rights.

14. Severability

If any provision of these Terms of Use is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid, illegal, or unenforceable provision shall be replaced with a valid provision that most closely reflects the original intent.

15. Waiver

Our failure to enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms of Use will be effective only if in writing and signed by an authorised representative of Portico.

16. Entire Agreement

These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and Portico concerning your use of the Site and Services, and supersede all prior agreements, understandings, or representations.

17. Assignment

You may not assign or transfer these Terms of Use or any rights granted hereunder without our prior written consent. We may assign these Terms of Use or any rights hereunder without restriction.

18. Contact Information

If you have any questions about these Terms of Use, please contact us:

Email: [email protected]
Address: 1 Westfield Ave, London E20 1HZ, United Kingdom