Website Terms and Conditions of Use

Please read these terms carefully before using any Neville Montagu website (our “Site”). By accessing, visiting, or using our Site, you agree to be bound by these Terms and Conditions of Use (the “Terms”). If you do not agree to these Terms, you must not use our Site.

These Terms were last updated on [Insert Date of Last Revision].

1. Acceptance and Scope of Terms

• Your Agreement: By accessing or using our Site, you confirm you accept these Terms and agree to comply with them.
• Privacy Policy: Our Privacy Policy also applies to your use of our Site. By continuing to use the Site, you confirm you have read and understand both policies.
• Services vs. Site Use: These Terms cover your use of the website only. The provision of any services or advice by Neville Montagu is governed by separate, specific client agreements and terms.

2. Accessing Our Site

• Availability: We make our Site available free of charge. We do not guarantee that our Site, or any content on it, will always be available or uninterrupted.
• Changes & Suspension: We reserve the right to suspend, withdraw, or restrict access to all or any part of our Site, or close it indefinitely, without notice. We will not be liable if the Site is unavailable at any time or for any period.
• Your Responsibilities: You are responsible for making all necessary arrangements to access our Site. You must also ensure that all people who access our Site through your internet connection or login details are aware of and comply with these Terms.

3. Intellectual Property Rights

• Ownership: We are the owner or the licensed user of all intellectual property rights on our Site and in the material published on it (including text, graphics, and code). These works are protected by copyright laws worldwide, and all such rights are reserved.
• Permitted Use: You may print one copy and download extracts of any page for your personal, non-commercial reference. You may also draw the attention of others within your organisation to material posted on the Site.
• Restrictions: You must not modify any printed or digital copies of materials. You must not use any illustrations, photographs, video, audio, or graphics separately from the accompanying text.
• Attribution: Our status (and that of any identified contributors) as the authors of the content must always be acknowledged.
• Commercial Use: You must not use any part of the materials on our Site for commercial purposes without obtaining a prior licence from us or our licensors.
• Breach: If you breach these Terms by printing or downloading materials, your right to use the Site will cease immediately, and you must, at our request, return or destroy any copies of the materials you have made.

4. No Investment Advice or Reliance

• General Information Only: Commentary and other materials on our Site are for general information purposes only. They are not intended to amount to advice on which you should rely, nor are they an offer or solicitation to conduct investment or non-investment business.
• Professional Advice: You must obtain professional or specialist advice before taking or refraining from taking any action based on the content of our Site.
• Third-Party Data: Our Site may contain information provided by third parties believed by Neville Montagu to be reliable. However, we do not guarantee its reliability or accuracy.

5. Site Changes and Content Accuracy

• Updates: We may update and change our Site and its content at any time.
• No Guarantees: While we make reasonable efforts to update the information, we make no representations, warranties, or guarantees (express or implied) that the content on our Site is accurate, complete, or up-to-date.

6. Your Account, Passwords, and Security

• Confidentiality: If you are provided with a user ID, password, or any other security information, you must treat this information as confidential and must not disclose it to any unauthorised third party.
• Password Strength: If you set your own passwords, they must be robust and comply with current industry IT practices.
• Authorised Agents: If you allow a third-party intermediary or agent to access your account using your login details, you are fully responsible for their acts and omissions as if they were your own. We are entitled to assume any instruction given by them is fully authorised by you.
• Disabling Access: We have the right to disable any user ID or password at any time if we believe you have failed to comply with these Terms or if we suspect fraudulent use.
• Suspicion of Misuse: If you know or suspect unauthorised use, or wish to revoke access granted to a third party, you must promptly notify your advisor. We will use reasonable efforts to disable access, but shall not be liable for any misuse that occurs before the access is disabled.
• Correct Login: Always log into our Site via the homepage or dedicated login screen to ensure you see all important notices.

7. Provision of Instructions

• Security Risk: You acknowledge that communicating instructions or information via email, the internet, or our Site is not a completely secure medium, and complete privacy or security cannot be assured.
• Time-Sensitive Instructions: You must not use our Site or email to provide us with any time-sensitive instructions. We will not be liable if we fail to act in time on instructions issued via these means. For urgent instructions, speak directly with your advisor.

8. Our Liability to You

• Limits: Nothing in these Terms excludes or limits our liability where it would be unlawful to do so (e.g., liability for death or personal injury caused by our negligence, or for fraud).
• Business Use Exclusion: We provide our Site for domestic and private use only. You agree not to use our Site for any commercial or business purposes, and we will not be liable for any loss of profit, business, or business opportunity.
• Technical Support: Any technical support provided by Neville Montagu is given free of charge, on an “as-is” basis. We do not accept liability for any loss or damage incurred in connection with that support.
• Pop-up Blockers: Our Site may use pop-up windows. We will not be liable for any loss due to your inability to view information resulting from pop-up blockers.
• Separate Terms: Liability arising from the supply of any advice or services is set out in the separate applicable client agreements.

9. Acceptable Use of Our Site

You must not use our Site:

• In any way that breaches any local, national, or international law or regulation.
• In any way that is unlawful, fraudulent, or has any unlawful or fraudulent purpose or effect.
• To harm or attempt to harm minors.
• To send or transmit any unsolicited or unauthorised advertising or promotional material (spam).
• To bully, insult, intimidate, or humiliate any person.
• To send, upload, or knowingly transmit any data that contains viruses, Trojans, worms, logic bombs, or other malicious or harmful code.

You also agree not to:

• Reproduce, duplicate, copy, or re-sell any part of our Site.
• Access without authority, interfere with, damage, or disrupt any part of our Site, the equipment or network on which it is stored, or any software used in its provision.

10. Viruses, Hacking, and Other Offences

• Security Responsibility: We do not guarantee that our Site will be secure or free from bugs or viruses. You are responsible for configuring your IT and using your own virus protection software.
• No Liability: We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses, or other technologically harmful material that may infect your computer equipment due to your use of our Site or the downloading of any material posted on it.
• Prohibited Attacks: You must not misuse our Site by knowingly introducing malicious material, or by attempting to gain unauthorised access to our Site, server, or any database connected to it (e.g., hacking, DoS/DDoS attacks).
• Reporting: We will report any breach of this provision to the relevant law enforcement authorities and will cooperate with them by disclosing your identity. Your right to use our Site will cease immediately upon such a breach.

11. Linking to and from Our Site

• Linking to Us: You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or suggest any form of association or endorsement where none exists.
• No Framing: Our Site must not be framed on any other site.
• Withdrawal of Permission: We reserve the right to withdraw linking permission without notice.
• Third-Party Links: Where our Site contains links to third-party sites, these are provided for your information only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage arising from your use. Such links are not an approval or recommendation by us.

12. Breach of These Terms

• Consequences: We will determine, at our discretion, whether a breach of these Terms has occurred. Failure to comply with these Terms may result in our taking all or any of the following actions:
  • Immediate, temporary, or permanent withdrawal of your right to use our Site.
  • Immediate, temporary, or permanent removal of any materials uploaded by you.
  • Legal proceedings against you for reimbursement of all costs (including administrative and legal costs) resulting from the breach.
  • Disclosure of information to law enforcement authorities as we deem necessary.
• Exclusion of Liability: We exclude liability for actions taken in response to breaches of these Terms.

13. General Provisions

• Trademarks: Neville Montagu is a registered trademark of Neville Montagu LLC.
• Changes to Terms: We may revise these Terms at any time by amending this page. Please check this page regularly to ensure you understand the terms that apply each time you use our Site.
• Transfer of Agreement: We may transfer our rights and obligations under these Terms to another organisation. We will always inform you in writing if this happens and ensure the transfer does not affect your rights.