Terms and Conditions
These Terms and Conditions ("Terms") govern access to and use of the Thriftivery website and any associated intelligence, reports, or materials provided through it. This is a general draft template and should be reviewed and adapted to reflect your specific business practices and applicable jurisdiction before use.
Last updated: [insert date]
1. Acceptance of Terms
By accessing or using the Thriftivery website ("Site"), you confirm that you have read, understood, and agree to be bound by these Terms, along with our Privacy Policy. If you do not agree with any part of these Terms, you should discontinue use of the Site immediately.
Use of the Site is intended for individuals who are legally capable of entering into binding agreements. Continued use of the Site following any update to these Terms constitutes acceptance of the revised version.
2. Description of Service
Thriftivery provides informational content, commentary, and general materials relating to capital allocation and investment strategy concepts. The Site is intended to support independent research and decision-making and is not, and should not be construed as, personalised financial, legal, tax, or investment advice.
- Content on the Site is general in nature and not tailored to any individual's circumstances.
- Materials may be updated, removed, or modified at any time without prior notice.
- No guarantee is made regarding the completeness, accuracy, or timeliness of any content presented.
3. User Responsibilities
By using the Site, you agree to the following conditions regarding your conduct and use of materials provided.
- You will use the Site only for lawful purposes and in a manner consistent with these Terms.
- You will not attempt to reverse-engineer, scrape, or exploit any part of the Site's infrastructure or content without authorisation.
- You are solely responsible for any decisions made based on information obtained through the Site.
- You will not misrepresent your identity or provide false information when submitting any forms or requests.
4. Intellectual Property
All content on the Site, including text, graphics, logos, layouts, and underlying code, is the property of Thriftivery or its licensors and is protected by applicable intellectual property laws, unless otherwise stated.
You may view and use content on the Site for personal, non-commercial purposes. Reproduction, distribution, or modification of any material without prior written consent is not permitted.
5. No Financial Advice
Nothing on this Site constitutes an offer, solicitation, or recommendation to buy or sell any financial instrument, nor does it constitute professional advice of any kind.
6. Disclaimers
The Site and its content are provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied, including but not limited to warranties of accuracy, merchantability, fitness for a particular purpose, or non-infringement.
- Thriftivery does not warrant that the Site will be uninterrupted, secure, or error-free.
- Any reliance placed on information from the Site is strictly at your own risk.
- External links, if present, are provided for convenience and do not imply endorsement.
7. Limitation of Liability
To the fullest extent permitted by applicable law, Thriftivery, its owners, affiliates, and representatives shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or related to your use of, or inability to use, the Site.
This limitation applies regardless of the legal theory on which a claim is based and even if Thriftivery has been advised of the possibility of such damages.
8. Termination of Access
Thriftivery reserves the right to suspend or terminate access to the Site, in whole or in part, for any user who violates these Terms or engages in conduct deemed harmful to the Site, its users, or its operation, without prior notice where circumstances warrant.
9. Changes to These Terms
These Terms may be updated periodically to reflect changes in practice, service scope, or legal requirements. Material changes will be reflected by an updated "Last updated" date at the top of this page. Continued use of the Site after such changes constitutes your acceptance of the revised Terms.
10. Governing Law
These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales, unless otherwise required by applicable law.