Terms of Use

Introduction

These terms of use govern your access to and use of the Spectra Glide website (spectra-glide.com). By using this website, you accept these terms in full. If you disagree with any part of these terms, please do not use our website.

These terms relate specifically to website use. Separate engagement agreements govern the provision of financial services to clients.

About Spectra Glide

This website is operated by Spectra Glide Financial Services Ltd, a company registered in England and Wales.

Company Registration Number: 09127456
Registered Office: 29 Castle Street, Liverpool L2 4SU, United Kingdom
Email: [email protected]

Spectra Glide Financial Services Ltd is authorised and regulated by the Financial Conduct Authority (FCA Number: 687234). We are bound by FCA rules and principles, which are available at www.handbook.fca.org.uk.

Website Content

Information Purpose

Content on this website is provided for general information purposes only. It is not intended to constitute financial advice specific to your circumstances.

Financial decisions should be based on your individual situation, goals, and risk tolerance. General website content cannot account for these personal factors.

Not Financial Advice

Unless you have engaged our services through a formal agreement, information on this website does not constitute personalised financial advice. Do not make financial decisions based solely on website content without consulting a qualified advisor.

If you require specific financial guidance, please contact us to discuss your situation in a proper advisory context.

Accuracy and Completeness

We make reasonable efforts to ensure website content is accurate and current. However, financial regulations, tax rules, and market conditions change frequently. Information may become outdated or may contain inadvertent errors.

We do not guarantee the accuracy, completeness, or timeliness of website content. Always verify important information with current sources or professional advisors.

No Guarantee of Results

Any descriptions of investment strategies, financial planning approaches, or potential outcomes are illustrative only. Past performance and hypothetical scenarios do not guarantee future results.

Investment values can fall as well as rise. You may receive back less than you invest.

Acceptable Use

You may use this website for lawful purposes only. When using our website, you must not:

• Attempt to gain unauthorised access to our systems or networks
• Introduce viruses, malware, or other malicious code
• Attempt to interfere with website functionality or other users' access
• Use automated systems to scrape or download content
• Reproduce, duplicate, or copy website content for commercial purposes without permission
• Misrepresent your identity or affiliation
• Use the website in any way that violates applicable laws or regulations

Intellectual Property

All content on this website, including text, graphics, logos, and software, is owned by or licensed to Spectra Glide Financial Services Ltd and is protected by copyright, trademark, and other intellectual property laws.

You may view and print content for personal, non-commercial use. You may not modify, reproduce, distribute, or create derivative works from website content without our written permission.

The Spectra Glide name and logo are trademarks. Unauthorised use of these marks is prohibited.

Links to Third-Party Websites

Our website may contain links to external websites operated by third parties. We provide these links for your convenience but do not endorse or take responsibility for the content, accuracy, or practices of linked sites.

Following links to third-party websites is at your own risk. We recommend reviewing the terms of use and privacy policies of any external sites you visit.

Limitation of Liability

To the fullest extent permitted by law, Spectra Glide Financial Services Ltd shall not be liable for any loss or damage arising from:

• Use of or inability to use this website
• Reliance on information published on this website
• Errors, omissions, or inaccuracies in website content
• Unauthorised access to or alteration of your transmissions or data
• Viruses or other harmful components transmitted through the website

This includes direct, indirect, incidental, consequential, or punitive damages, even if we have been advised of the possibility of such damages.

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

Website Availability

We aim to keep the website available continuously but cannot guarantee uninterrupted access. The website may be unavailable due to maintenance, technical issues, or circumstances beyond our control.

We reserve the right to suspend, withdraw, or modify any part of the website at any time without notice. We will not be liable if the website is unavailable for any period.

Service Engagement

Enquiries submitted through this website do not create a client-advisor relationship. Our services are provided only pursuant to written engagement agreements that specify the scope of services, fees, and terms.

We are not obligated to provide services to everyone who enquires. We may decline engagements where we determine we cannot add sufficient value, where conflicts of interest exist, or for other business reasons.

Regulatory Information

As an FCA-authorised firm, we are required to provide certain disclosures:

Complaint Procedures

If you have a complaint about our services, please contact us at [email protected]. We will investigate thoroughly and respond in accordance with FCA requirements.

If you remain dissatisfied with our response, you may refer the matter to the Financial Ombudsman Service, Exchange Tower, London E14 9SR. Website: www.financial-ombudsman.org.uk

Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS). Eligible clients may be entitled to compensation if we cannot meet our obligations. Details are available at www.fscs.org.uk.

Privacy and Data Protection

Our use of personal information is governed by our Privacy Policy, which complies with UK data protection law. By using this website, you consent to our use of cookies and data collection as described in our Cookies Policy.

For full details, please review our Privacy Policy and Cookies Policy.

Changes to These Terms

We may revise these terms of use at any time by updating this page. The "last updated" date at the top indicates when terms were most recently modified.

Continued use of the website following changes constitutes acceptance of revised terms. Please review these terms periodically to stay informed of any updates.

Governing Law

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

Severability

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

Entire Agreement

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

Contact Information

Questions about these terms of use should be directed to:

Spectra Glide Financial Services Ltd
29 Castle Street
Liverpool L2 4SU
United Kingdom
Email: [email protected]

Professional Indemnity Insurance

We maintain professional indemnity insurance that meets the requirements set by our regulator, providing protection for clients in the event of claims arising from professional negligence.

Client Money

We do not hold client money. Investment assets are held by established custodians, separate from our company. This protects client assets in the unlikely event of our insolvency.

Conflicts of Interest

We maintain a conflicts of interest policy in accordance with FCA requirements. We manage potential conflicts to ensure fair treatment of all clients. Where conflicts cannot be adequately managed, we will disclose them to affected clients.

Acknowledgement

By using this website, you acknowledge that you have read, understood, and agree to be bound by these terms of use.