Terms of Service

These Terms of Service govern your use of the Fiduciary Atlas website and the services we provide. By accessing our website or engaging our services, you agree to be bound by these terms. Please read them carefully to understand your rights and responsibilities.

Last updated: November 8, 2025

Agreement to Terms

1. Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any part of these terms, you may not use our website or services.

Your continued use of the website following any modifications to these terms constitutes acceptance of those changes. We recommend reviewing these terms periodically to stay informed of any updates.

2. Scope of Services

Fiduciary Atlas provides professional financial advisory services, including but not limited to:

• Estate planning financial advisory and coordination
• Sustainable investment consulting and ESG portfolio guidance
• Debt restructuring advisory and financial optimization strategies
• General financial planning and consultation services

Our services are advisory in nature and do not constitute legal, tax, or accounting advice. We recommend consulting with appropriate professionals for matters requiring specialized legal or tax expertise.

3. Website Use Restrictions

When using our website, you agree not to:

• Use the website for any unlawful purpose or in violation of any applicable laws
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the website or servers connected to the website
• Upload or transmit viruses, malware, or other harmful code
• Collect or harvest any information from the website using automated means
• Impersonate any person or entity or misrepresent your affiliation

Service Usage Terms

4. Acceptable Use Policy

Our services are intended for individuals and organizations seeking professional financial guidance. When engaging our services, you agree to:

→ Provide accurate and complete information relevant to your financial situation
→ Cooperate with reasonable requests for information and documentation
→ Notify us promptly of any material changes in your circumstances
→ Use our services in good faith and for lawful purposes
→ Respect the confidential nature of our advisory relationship

We reserve the right to decline or discontinue services if we determine that the requested services fall outside our scope of practice or if there are concerns about the legitimacy of the engagement.

5. Service Access and Eligibility

To engage our services, you must:

→ Be at least 18 years of age or the age of majority in your jurisdiction
→ Have the legal capacity to enter into a binding agreement
→ Not be prohibited from receiving services under UK or applicable law
→ Provide accurate identification and contact information

Services are primarily offered to clients within the United Kingdom, though we may consider international clients on a case-by-case basis. Geographic restrictions may apply based on regulatory requirements.

6. Fair Usage Guidelines

We strive to provide high-quality service to all clients. To ensure fair access to our advisors and maintain service quality, we may implement reasonable usage guidelines. This includes limiting the frequency of consultations, response times for non-urgent inquiries, and the scope of services covered under specific engagement agreements. Any such guidelines will be communicated clearly in your service agreement.

Client Engagement and Access

7. Service Agreements

Before providing advisory services, we will establish a formal service agreement that outlines:

• The scope of services to be provided
• Fee structure and payment terms
• Duration of engagement and termination provisions
• Confidentiality obligations and data protection measures
• Communication protocols and response timeframes
• Responsibilities of both parties

8. Client Responsibilities

As a client, you are responsible for:

• Maintaining the confidentiality of any login credentials or access information
• Notifying us immediately of any unauthorized access to your account
• Ensuring all information provided remains current and accurate
• Making timely payments for services rendered
• Reviewing and understanding all advice and documentation provided

9. Suspension and Termination

We reserve the right to suspend or terminate services under the following circumstances:

• Violation of these Terms of Service or your service agreement
• Non-payment of fees or charges
• Provision of false or misleading information
• Conduct that we reasonably believe may harm our reputation or other clients
• Regulatory or legal requirements

Either party may terminate the service agreement with appropriate notice as specified in the agreement. Upon termination, you remain responsible for any outstanding fees and we will provide a final summary of work completed.

Service Availability and Modifications

10. Website Uptime and Maintenance

While we strive to maintain continuous website availability, we cannot guarantee uninterrupted access. Our website may be temporarily unavailable due to scheduled maintenance, technical issues, or circumstances beyond our control. We will make reasonable efforts to minimize disruption and provide advance notice of scheduled maintenance when possible. Service interruptions do not affect ongoing advisory engagements, which continue through alternative communication channels.

11. Service Features and Availability

The specific features and services available may vary based on:

→ Your service agreement tier or package selected
→ Geographic location and applicable regulatory requirements
→ The nature and complexity of your financial situation
→ Advisor availability and scheduling constraints

We will clearly communicate which services are included in your engagement and any limitations that may apply.

12. Modifications and Updates

We reserve the right to modify, suspend, or discontinue any aspect of our services or website at any time. This includes introducing new features, removing existing features, or changing fee structures for new clients. For existing clients, material changes to agreed services will be communicated with appropriate notice and opportunity to discuss the impact on your engagement. Changes to these Terms of Service will be posted on this page with an updated revision date.

13. Geographic Restrictions

Our services are designed primarily for clients within the United Kingdom. While we may work with international clients, certain services may not be available in all locations due to regulatory restrictions or practical limitations. We will assess feasibility on a case-by-case basis and will be transparent about any limitations before establishing an engagement.

Intellectual Property

14. Content Ownership

All content on this website, including text, graphics, logos, images, audio clips, digital downloads, data compilations, and software, is the property of Fiduciary Atlas or its content suppliers and is protected by UK and international copyright laws. The compilation of all content on this site is our exclusive property and is protected by UK and international copyright laws.

15. License and Usage Rights

We grant you a limited, non-exclusive, non-transferable license to:

• Access and use the website for personal, informational purposes
• Download and print content for your personal reference

You may not modify, reproduce, distribute, create derivative works from, publicly display, or exploit any content without our express written permission.

16. Trademarks

Fiduciary Atlas and our logo are trademarks of Fiduciary Atlas. Other product and company names mentioned on this website may be trademarks of their respective owners. Nothing on this website should be construed as granting any license or right to use any trademark without our prior written permission.

17. Advisory Materials

Materials prepared specifically for clients as part of our advisory services remain our intellectual property, though clients receive a license to use such materials for their intended purpose. Clients may not share, reproduce, or repurpose these materials without our consent, except as necessary to share with other professional advisors in their engagement.

Legal Provisions

18. Governing Law

These Terms of Service and any disputes arising from them shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles. You agree that any legal action or proceeding shall be brought exclusively in the courts of England and Wales.

19. Dispute Resolution

In the event of any dispute arising from these terms or our services, we encourage parties to first attempt resolution through good-faith negotiation. If informal resolution is unsuccessful, disputes may be referred to mediation before pursuing litigation. This does not limit your statutory rights or our obligations under applicable financial services regulations.

20. Severability

If any provision of these Terms of Service is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.

21. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated revision date. Material changes affecting existing client engagements will be communicated directly. Your continued use of our website or services after changes are posted constitutes acceptance of the modified terms.

22. Contact Information

If you have questions about these Terms of Service, please contact us using the information provided at the top of this page or through our contact form. We are committed to addressing any concerns you may have about your use of our website or services.