PLEASE READ THESE TERMS AND POLICY CAREFULLY BEFORE USING THIS SITE

Terms of Use

Welcome to our website. By continuing to browse and use this website, you agree to comply with and be bound by the following terms and conditions of use, which together with our Privacy Policy and Cookie Policy govern the relationship between Financial Holdings and you in relation to this website. If you do not agree with any part of these terms, please do not use our website.

Financial Holdings Limited (“we”, “us”, and “our”) is the owner of this website (“Financial Holdings”). Financial Holdings is a Jersey company with its registered office at One Liberty Place, Liberty Wharf, La Route de la Liberation, St. Helier, Jersey, JE2 3NY and includes “Smart Money” as a registered business name. We are registered under the Proceeds of Crime (Supervisory Bodies) (Jersey) Law 2008 for Schedule 2 Business pursuant to Article 14 of that Law and are regulated by the Jersey Financial Services Commission.

The term ‘you’ or ‘your’ refers to the user or viewer of the Financial Holdings website.

The use of this website is subject to the following terms:

• You must be 18 years of age or older to use this website. If you are located outside Jersey in a jurisdiction with a higher age of majority, you must meet that higher requirement.
• The content of this website is provided for general information purposes only and is subject to change without notice.
• This website uses cookies to improve functionality and monitor browsing activity.
• We do not guarantee the accuracy, timeliness, completeness, or suitability of the information provided on this website. Such content may contain inaccuracies or errors, and we exclude liability for any such inaccuracies to the fullest extent permitted by law.
• Your use of any information or materials on this website is entirely at your own risk. It is your responsibility to ensure that any products, services, or information meet your requirements.
• We own or are licensed to use all intellectual property rights in this website and its content. All rights are reserved.
• You may print or download extracts of content for your personal use and may share content within your organisation.
• You must not modify printed or downloaded materials in any way, nor use images, video, audio, or graphics separately from accompanying text.
• Our status as the authors of content must always be acknowledged.
• You must not use any content from this website for commercial purposes without obtaining a licence from us or our licensors.
• Unauthorised use of this website may result in a claim for damages and/or constitute a criminal offence.
• This website may include links to third-party websites for convenience. These do not signify endorsement, and we are not responsible for their content.
• Your use of this website and any disputes arising from it are governed by the laws of Jersey.

The information on this website is provided for general information purposes only. While we aim to keep information accurate and up to date, we make no warranties or representations regarding completeness, reliability, or suitability for any purpose. Any reliance placed on such information is strictly at your own risk.

We accept no liability for any loss or damage, including indirect or consequential loss, arising from the use of this website.

We may link to external websites that are not controlled by Financial Holdings. We have no responsibility for the content or availability of these sites, and inclusion of any links does not imply endorsement.

We strive to ensure the website remains available at all times, but we are not liable for temporary unavailability due to technical issues beyond our control.

Acceptable Use Policy

This Acceptable Use Policy sets out the standards that apply when you use our website, including when uploading content, interacting with the site, or communicating through it.

We may update these terms from time to time. Please review them regularly to ensure you remain aware of any changes.

You may only use this website for lawful purposes. You must not use it:

• In any way that breaches applicable local, national, or international laws or regulations.
• In any unlawful or fraudulent manner, or for any unlawful or fraudulent purpose or effect.
• For the purpose of harming or attempting to harm minors in any way.
• To send or facilitate unsolicited or unauthorised advertising or promotional material (spam).
• To transmit or upload viruses, malware, or any other harmful code designed to adversely affect systems or software.

You also agree:

• Not to gain unauthorised access to, interfere with, damage, or disrupt:
  – any part of our website;
  – any server, system, or network hosting the website;
  – any software used in its operation; or
  – any third-party systems or networks connected to it.

From time to time, we may offer interactive services on our website, including but not limited to:

• Chat rooms;
• Comment sections; and
• Bulletin boards.

(“interactive services”)

Where we provide any interactive service, we will make clear the nature of the service offered, whether it is moderated, and the type of moderation applied (including whether moderation is carried out by human or automated means).

We will take reasonable steps to assess potential risks to users arising from third-party interaction through any interactive services and will determine, on a case-by-case basis, whether moderation is appropriate and what form it should take. However, we are under no obligation to monitor, supervise, or moderate any interactive services we provide, and we exclude liability for any loss or damage arising from use of such services in breach of our content standards, whether moderated or not.

The use of any interactive services by a minor is subject to the consent of a parent or legal guardian. We encourage parents who permit their children to use such services to ensure they understand and discuss online safety, as moderation systems are not infallible. Minors should be made aware of the potential risks associated with online interaction.

Where moderation is in place, we will ordinarily provide a means of contacting the moderator in the event of any concern or issue arising.

These content standards apply to all material submitted by users (“Contributions”) and to all associated interactive services.

The Content Standards must be followed in both spirit and letter. They apply to each part of a Contribution as well as to the whole submission.

Financial Holdings will determine, at its sole discretion, whether a Contribution breaches these Content Standards.

A Contribution must:

• Be accurate where it states facts.
• Be genuinely held where it expresses opinions.
• Comply with applicable laws in Jersey and any jurisdiction from which it is posted.

A Contribution must not:

• Be defamatory of any person.
• Be obscene, offensive, hateful, or inflammatory.
• Promote sexually explicit material.
• Promote violence or unlawful conduct.
• Promote discrimination based on race, gender, religion, nationality, disability, sexual orientation, or age.
• Infringe any intellectual property rights of others.
• Be misleading or deceptive.
• Breach any legal duty owed to a third party, including confidentiality or contractual obligations.
• Promote illegal activity.
• Be in contempt of court.
• Be threatening, abusive, invasive of privacy, or cause unnecessary distress or anxiety.
• Harass, intimidate, or annoy any individual.
• Impersonate any person or misrepresent identity or affiliation.
• Give the impression that the Contribution originates from Financial Holdings where it does not.
• Encourage or assist unlawful or criminal activity.
• Contain statements likely to be interpreted as encouragement or incitement to terrorism.
• Contain advertising or promote external services or links.

Where we determine that a breach of this Acceptable Use Policy has occurred, we may take any action we consider appropriate.

Failure to comply with this Acceptable Use Policy constitutes a material breach of these Terms of Use and may result in any of the following actions:

• Immediate, temporary, or permanent withdrawal of access to our site.
• Removal of any Contributions posted by you.
• Issuing a warning.
• Legal proceedings for recovery of costs and damages.
• Further legal action as appropriate.
• Disclosure of information to law enforcement or regulatory authorities where required or appropriate.

We exclude liability for actions taken in response to breaches of this Acceptable Use Policy. The actions listed are not exhaustive, and we may take any additional steps we reasonably consider necessary.

Governing Law and Jurisdiction

If you are a consumer, please note that these Terms of Use, their subject matter, and their formation are governed by applicable laws. You agree that the courts with appropriate jurisdiction shall have exclusive authority to resolve any disputes arising out of or in connection with these terms.

If you are a business user, these Terms of Use, their subject matter, and their formation (and any non-contractual disputes or claims) are governed by applicable laws. You agree that the courts with appropriate jurisdiction shall have exclusive authority to determine any disputes arising out of or in connection with these terms.