Terms of Use

Agreement to Terms

By accessing and using this website, you accept and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, please do not use this website.

These terms apply to all visitors, users, and others who access or use our website. We reserve the right to update or modify these terms at any time without prior notice. Your continued use of the website following any changes constitutes acceptance of those changes.

Website Purpose and Scope

This website provides information about Stellar Circuit's financial planning and management services. Content is intended for general informational purposes and should not be construed as specific financial advice tailored to your individual circumstances.

The information presented here does not constitute a formal recommendation to purchase any specific financial product or service. All financial decisions should be made after thorough consideration of your personal situation and, where appropriate, consultation with qualified professionals.

Use of Website Content

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Stellar Circuit or its content suppliers and is protected by United Kingdom and international copyright laws. Unauthorised use of this content may violate copyright, trademark, and other applicable laws.

Permitted Use

You may view, download, and print pages from this website for your personal, non-commercial use, subject to the restrictions set out in these terms. You must not:

Modify or reproduce content without our written permission
Use content for commercial purposes or public display
Remove copyright or proprietary notices from downloaded materials
Transfer content to another person or mirror content on another server

Prohibited Activities

When using our website, you agree not to:

Violate any applicable laws or regulations
Infringe upon the rights of others, including intellectual property rights
Transmit viruses, malware, or other harmful code
Attempt to gain unauthorised access to our systems or networks
Interfere with or disrupt the website or servers
Collect or harvest information about other users
Use automated systems or software to extract data from the website without permission
Impersonate another person or entity

Information Accuracy and Limitations

No Guarantee of Accuracy

While we strive to provide accurate and current information, we make no representations or warranties regarding the completeness, accuracy, reliability, suitability, or availability of the website or the information, products, services, or related graphics contained on the website.

Financial regulations, tax rules, and product features change frequently. Information on this website may become outdated between updates. We recommend verifying any information you intend to rely upon and consulting with us directly for current details.

No Financial Advice

General information provided on this website does not constitute personalised financial advice. Every individual's financial situation is unique, and what may be suitable for one person may be inappropriate for another. Formal financial advice can only be provided after a comprehensive assessment of your specific circumstances, goals, and needs.

Past Performance

Any references to past performance of investments or financial strategies do not guarantee future results. Investment values can fall as well as rise, and you may receive back less than you invested. Historical data should be viewed as illustrative only, not predictive.

External Links and Third-Party Content

Our website may contain links to external websites operated by third parties. These links are provided for your convenience and to provide further information. We have no control over the nature, content, or availability of those sites and do not necessarily endorse the views expressed within them.

Following links to external websites is done at your own risk. We accept no responsibility for the content of external sites or for any loss or damage that may arise from your use of them. Third-party websites have their own terms of use and privacy policies, which you should review.

Limitation of Liability

To the fullest extent permitted by law, Stellar Circuit excludes all liability for any loss or damage arising from your use of this website, whether direct, indirect, or consequential, and whether arising in contract, tort, or otherwise.

This includes, but is not limited to, loss of:

Income or revenue
Business opportunities
Profits or contracts
Expected savings
Data or information
Goodwill or reputation

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 and Modifications

Service Interruptions

While we aim to ensure the website is available continuously, we do not guarantee uninterrupted access. The website may be temporarily unavailable due to maintenance, updates, or circumstances beyond our control. We reserve the right to suspend, withdraw, or restrict access to all or any part of the website without notice.

Content Changes

We may update, modify, or remove website content at any time without notice. We are not obligated to update information and make no commitment to ensure all content remains current. It is your responsibility to verify that information is up-to-date before relying upon it.

Regulatory Information

Stellar Circuit is authorised and regulated by the Financial Conduct Authority for specific financial services activities. This regulation provides important consumer protections, including access to the Financial Services Compensation Scheme and the Financial Ombudsman Service in appropriate circumstances.

Our regulatory status and details can be verified on the Financial Conduct Authority register. We are required to conduct our business in accordance with FCA rules and principles, including treating customers fairly and providing clear, fair information.

User Submissions and Communications

Any material you transmit or post to this website, including questions, comments, suggestions, or other communications, becomes the property of Stellar Circuit. We may use this content for any purpose, including reproduction, disclosure, transmission, publication, or broadcast.

You warrant that any submissions you make:

Are your own original work or you have necessary permissions
Do not infringe upon third-party rights
Do not contain defamatory, offensive, or inappropriate material
Are not misleading or deceptive
Comply with all applicable laws and regulations

We reserve the right to remove or refuse to post any user submissions at our discretion.

Privacy and Data Protection

Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using this website, you consent to the data practices described in our Privacy Policy.

We are committed to protecting your privacy and complying with data protection regulations, including the UK General Data Protection Regulation. For detailed information about your data protection rights, please see our GDPR information page.

Cookies

This website uses cookies to enhance your browsing experience and collect analytics about website usage. By continuing to use this website, you consent to our use of cookies in accordance with our Cookies Policy. You can manage your cookie preferences through our cookie consent tool or your browser settings.

Indemnification

You agree to indemnify and hold harmless Stellar Circuit, its directors, employees, and agents from any claims, losses, damages, liabilities, costs, and expenses arising from:

Your use of the website
Your violation of these Terms of Use
Your violation of any rights of another party
Your violation of any applicable laws or regulations

Governing Law and Jurisdiction

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

If any provision of these terms is found to be invalid or unenforceable by a court of law, the remaining provisions shall continue in full force and effect.

Complaints and Disputes

If you have concerns about our website or services, please contact us first so we can attempt to resolve the matter directly. As a regulated financial services firm, we maintain formal complaints procedures and are subject to oversight by the Financial Ombudsman Service for eligible complaints.

Details of our complaints process are available upon request. If we cannot resolve your complaint to your satisfaction, you may be eligible to refer the matter to the Financial Ombudsman Service.

Age Restrictions

Our services are intended for adults aged 18 and over. This website is not directed at children, and we do not knowingly collect personal information from individuals under 18. If you are under 18, please do not use this website or provide any personal information to us.

Severability

If any provision of these Terms of Use is held to be invalid, illegal, or unenforceable, the validity, legality, and enforceability of the remaining provisions shall not be affected or impaired. The invalid provision shall be replaced with a valid provision that most closely matches the intent of the original provision.

Entire Agreement

These Terms of Use, together with our Privacy Policy, Cookies Policy, and GDPR information, constitute the entire agreement between you and Stellar Circuit regarding your use of this website and supersede all prior agreements and understandings, whether written or oral.

Contact Information

If you have questions about these Terms of Use or any aspect of our website, please contact us using the details provided on our contact page. We welcome your feedback and will respond to enquiries as promptly as possible.

Updates to These Terms

We reserve the right to modify these Terms of Use at any time. Changes become effective immediately upon posting to the website. We will update the "last updated" date at the top of this page when changes are made. Significant changes will be highlighted through website notices or direct communication with clients where appropriate.

It is your responsibility to review these terms periodically. Continued use of the website following any changes constitutes acceptance of the revised terms.