Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and Bright Glide Ltd ("Company," "we," "our," or "us") regarding your use of our website, investment platform, and related services.

By accessing or using our services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not use our services.

2. About Our Company

Bright Glide Ltd is a limited company registered in England and Wales (Company Number: 12345678). We are authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 123456.

Our registered office is located at 42 Threadneedle Street, London EC2R 8AY, United Kingdom.

3. Services Overview

We provide digital investment tools and services including:

• Portfolio management and optimization
• Investment research and analytics
• Automated investment strategies
• Financial planning tools
• Market data and insights
• Educational resources and content

4. Eligibility and Account Requirements

4.1 Eligibility Criteria

To use our services, you must:

• Be at least 18 years of age
• Be a legal resident of the United Kingdom
• Have the legal capacity to enter into contracts
• Provide accurate and complete information
• Comply with all applicable laws and regulations

4.2 Account Registration

To access certain services, you must create an account by providing:

• Personal identification information
• Contact details and verification
• Financial information and investment experience
• Risk tolerance assessment

4.3 Account Security

You are responsible for:

• Maintaining the confidentiality of your login credentials
• All activities that occur under your account
• Immediately notifying us of any unauthorised access
• Using strong passwords and enabling two-factor authentication

5. Investment Services and Risks

5.1 Investment Advice

Our services may include investment advice and portfolio management. All investment advice is provided based on your stated objectives, risk tolerance, and financial circumstances.

5.2 Investment Risks

You acknowledge and understand that:

• All investments carry risk and may lose value
• Past performance does not guarantee future results
• Investment values can fluctuate due to market conditions
• You may receive back less than your original investment
• Currency fluctuations may affect international investments

5.3 Suitability Assessment

We will assess the suitability of our services based on your:

• Investment knowledge and experience
• Financial situation and investment capacity
• Investment objectives and risk tolerance
• Time horizon and liquidity needs

6. Fees and Charges

6.1 Service Fees

Our fees are clearly disclosed and may include:

• Annual management fees
• Transaction charges
• Performance fees (where applicable)
• Third-party costs and charges

6.2 Fee Changes

We may change our fees with at least 30 days' written notice. Continued use of our services after the notice period constitutes acceptance of the new fees.

6.3 Payment Terms

Fees are typically deducted from your investment portfolio. You agree to pay all fees and charges incurred through your account.

7. User Responsibilities and Prohibited Activities

7.1 Acceptable Use

You agree to use our services only for lawful purposes and in accordance with these Terms.

7.2 Prohibited Activities

You must not:

• Provide false or misleading information
• Attempt to gain unauthorised access to our systems
• Use our services for illegal activities
• Interfere with the operation of our platform
• Violate any applicable laws or regulations
• Engage in market manipulation or insider trading

8. Intellectual Property Rights

8.1 Our Content

All content on our platform, including text, graphics, logos, software, and data, is owned by or licensed to us and is protected by intellectual property laws.

8.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our services for personal, non-commercial purposes.

8.3 Restrictions

You may not:

• Copy, modify, or distribute our content
• Reverse engineer our software or systems
• Remove copyright or proprietary notices
• Use our content for commercial purposes without permission

9. Data Protection and Privacy

Your privacy is important to us. Our collection, use, and protection of your personal data is governed by our Privacy Policy, which forms part of these Terms.

10. Third-Party Services

Our platform may integrate with third-party services or display third-party content. We are not responsible for:

• The availability or functionality of third-party services
• The accuracy of third-party content or data
• Third-party privacy practices or security
• Any issues arising from third-party services

11. Service Availability and Maintenance

11.1 Service Availability

We strive to maintain high service availability but cannot guarantee uninterrupted access to our platform.

11.2 Scheduled Maintenance

We may perform scheduled maintenance with advance notice. Emergency maintenance may be performed without notice.

11.3 Service Modifications

We reserve the right to modify, suspend, or discontinue any aspect of our services with reasonable notice.

12. Limitation of Liability

12.1 Disclaimer

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied.

12.2 Liability Limitations

To the maximum extent permitted by law, we shall not be liable for:

• Investment losses or market fluctuations
• Indirect, consequential, or punitive damages
• Loss of profits, data, or business opportunities
• System downtime or technical failures
• Third-party actions or services

12.3 Maximum Liability

Our total liability to you shall not exceed the fees paid by you to us in the 12 months preceding the claim.

13. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from:

• Your use of our services
• Your violation of these Terms
• Your infringement of third-party rights
• Any false or misleading information you provide

14. Termination

14.1 Termination by You

You may terminate your account at any time by providing written notice. Outstanding obligations will survive termination.

14.2 Termination by Us

We may terminate or suspend your account if you:

• Breach these Terms
• Provide false information
• Engage in prohibited activities
• Fail to pay fees or charges

14.3 Effect of Termination

Upon termination:

• Your access to our services will cease
• Outstanding fees and charges remain payable
• We will assist with the transfer of your investments
• Certain provisions of these Terms will survive

15. Regulatory Information

15.1 FCA Regulation

We are authorised and regulated by the Financial Conduct Authority. Our permissions can be verified on the FCA Register.

15.2 Compensation Scheme

Eligible clients are covered by the Financial Services Compensation Scheme (FSCS) up to £85,000 for investment business.

15.3 Complaints Procedure

If you have a complaint, please contact us first. If unresolved, you may refer the matter to the Financial Ombudsman Service.

16. Governing Law and Jurisdiction

These Terms are governed by English law. Any disputes will be subject to the exclusive jurisdiction of the English courts.

17. Changes to Terms

We may update these Terms periodically. Material changes will be notified with at least 30 days' notice. Continued use of our services constitutes acceptance of the updated Terms.

18. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

19. Entire Agreement

These Terms, together with our Privacy Policy and any other referenced documents, constitute the entire agreement between you and us.

20. Contact Information

For questions about these Terms or our services, please contact: