Terms and Conditions

These Terms and Conditions constitute a legally binding agreement between you and Fiduciary Atlas. By using our website or engaging our services, you acknowledge that you have read, understood, and agree to be bound by these terms. These provisions work in conjunction with our Terms of Service and Privacy Policy to govern our relationship.

Last updated: November 5, 2025

Legal Agreement and Binding Nature

1. Binding Agreement

By accessing our website, submitting inquiries through our contact forms, or engaging our advisory services, you enter into a binding legal agreement with Fiduciary Atlas. This agreement is enforceable under the laws of England and Wales and governs all interactions between you and our firm.

If you do not agree to these Terms and Conditions, you must immediately cease using our website and refrain from engaging our services. Your continued use constitutes ongoing acceptance of these terms as they may be updated from time to time.

2. Capacity and Authority

You represent and warrant that:

• You have the legal capacity to enter into a binding contract
• You are at least 18 years of age or the age of majority in your jurisdiction
• If acting on behalf of an organization, you have the authority to bind that entity
• All information you provide is accurate, complete, and current
• You are not prohibited from receiving financial services under any applicable law

Any misrepresentation of your capacity or authority may result in termination of services and potential legal consequences.

3. Amendments and Modifications

We reserve the right to modify these Terms and Conditions at any time. Material changes will be posted on this page with an updated revision date, and we may notify you through email or website announcements for significant amendments. Your continued use of our services following such changes constitutes acceptance of the modified terms. It is your responsibility to review these terms periodically to stay informed of any updates.

User Obligations and Conduct

4. Prohibited Activities and Behaviors

When using our website and services, you expressly agree not to:

→ Violate any applicable local, national, or international law or regulation
→ Engage in any fraudulent, deceptive, or manipulative activity
→ Provide false, misleading, or incomplete information
→ Use our services for money laundering, terrorist financing, or other illegal purposes
→ Attempt to circumvent security measures or access restricted areas
→ Interfere with or disrupt the proper functioning of our website or services
→ Impersonate another person or entity, or misrepresent your affiliation
→ Harass, threaten, or abuse our staff, advisors, or other clients
→ Collect or harvest information about other users without consent
→ Transmit viruses, malware, or other harmful computer code

5. Content Guidelines and Restrictions

Any content you submit through our website, including messages, documents, or other materials, must comply with the following standards:

→ Must be relevant to legitimate financial advisory inquiries or services
→ Must not contain offensive, defamatory, or discriminatory material
→ Must not violate intellectual property rights of third parties
→ Must not contain confidential information of others without authorization
→ Must be submitted in good faith for genuine advisory purposes

We reserve the right to refuse service or remove any content that violates these guidelines or that we deem inappropriate for any reason.

6. Compliance with Laws and Regulations

You are responsible for ensuring that your use of our services complies with all applicable laws and regulations in your jurisdiction. This includes, but is not limited to, tax laws, anti-money laundering regulations, securities laws, and data protection requirements. We may request documentation to verify compliance, and failure to provide such documentation may result in suspension or termination of services.

7. Indemnification Obligations

You agree to indemnify, defend, and hold harmless Fiduciary Atlas, its directors, officers, employees, advisors, and affiliates from any claims, damages, losses, liabilities, costs, or expenses (including reasonable legal fees) arising from your violation of these Terms and Conditions, your use of our services, or your violation of any rights of another party. This indemnification obligation survives the termination of your relationship with us.

Liability and Warranties

8. Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to:

• Warranties of merchantability and fitness for a particular purpose
• Warranties regarding the accuracy, reliability, or completeness of content
• Warranties that the website will be uninterrupted, secure, or error-free
• Warranties regarding specific financial outcomes or investment results

While we strive to provide high-quality advisory services, we cannot guarantee specific results or outcomes. Financial decisions involve inherent risks, and past performance does not indicate future results.

9. Limitation of Liability

To the maximum extent permitted by law, Fiduciary Atlas shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, revenue, or business opportunities
• Loss of data or information
• Investment losses or financial damages
• Loss of goodwill or reputation
• Personal injury or property damage

Our total liability for any claim arising from these Terms and Conditions or your use of our services shall not exceed the total amount of fees paid by you to us during the twelve months preceding the claim, or £1,000, whichever is greater.

10. Exclusion of Consequential Damages

We shall not be liable for any damages resulting from decisions made based on our advice or information provided through our services, including losses from investment decisions, tax implications, or changes in financial circumstances. You acknowledge that financial advisory services involve judgment and that reasonable professionals may reach different conclusions when presented with the same facts and circumstances.

11. Force Majeure

We shall not be liable for any failure or delay in performance resulting from circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, labor disputes, government actions, pandemics, internet service failures, or other force majeure events. In such circumstances, our obligations will be suspended for the duration of the event, and we will make reasonable efforts to resume normal operations as soon as practicable.

12. Statutory Rights

Nothing in these Terms and Conditions shall exclude or limit 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. Where you contract as a consumer, your statutory rights are not affected by these limitations.

Legal Information and Dispute Resolution

13. Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions. You agree to submit to the exclusive jurisdiction of the courts of England and Wales for the resolution of any disputes arising from or relating to these terms or your use of our services. This choice of jurisdiction does not prevent us from seeking injunctive relief or other appropriate remedies in other jurisdictions.

14. Dispute Resolution Procedures

In the event of any dispute, controversy, or claim arising from these Terms and Conditions or your use of our services:

1. The parties shall first attempt to resolve the matter through good-faith negotiation
2. If negotiation fails within 30 days, either party may refer the matter to mediation
3. If mediation is unsuccessful, the dispute may be submitted to the courts

This dispute resolution process does not affect your right to file a complaint with relevant regulatory authorities or to seek immediate injunctive relief in urgent circumstances.

15. Severability Clause

If any provision of these Terms and Conditions is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable. If modification is not possible, the provision shall be severed from these terms, and the remaining provisions shall continue in full force and effect. The invalidity of any provision shall not affect the validity of the remaining provisions.

16. Entire Agreement

These Terms and Conditions, together with our Privacy Policy, Terms of Service, and any specific service agreements, constitute the entire agreement between you and Fiduciary Atlas regarding your use of our website and services. These terms supersede all prior or contemporaneous understandings, agreements, representations, and warranties, whether written or oral, regarding such subject matter.

17. Waiver

No waiver of any term or condition of these Terms and Conditions shall be deemed a further or continuing waiver of such term or condition or any other term or condition. Our failure to assert any right or provision under these terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of Fiduciary Atlas to be effective.

18. Assignment

You may not assign, transfer, or delegate your rights or obligations under these Terms and Conditions without our prior written consent. We may assign our rights and obligations under these terms to any affiliate or successor entity without your consent, provided that such assignment does not materially diminish the services you receive. Any attempted assignment in violation of this section shall be void.

19. Survival

Provisions of these Terms and Conditions that by their nature should survive termination shall survive, including but not limited to provisions relating to intellectual property, indemnification, limitation of liability, dispute resolution, and governing law. Termination of your access to our website or services does not relieve you of obligations that accrued prior to termination.

20. Contact and Communication

For questions regarding these Terms and Conditions or to report violations, please contact us using the information provided at the beginning of this document. We will make reasonable efforts to respond to all legitimate inquiries in a timely manner. Official notices and legal communications should be sent to our registered address via recorded delivery.