Terms of Service

1. Acceptance of Terms

By accessing and using the ObilinTeg website (obilinteg.com) and our investment services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using our services.

2. Description of Services

ObilinTeg provides investment advisory services, portfolio management, financial analysis, and investment education to clients in the United Kingdom. Our services include but are not limited to:

• Investment portfolio management and advisory services
• Financial planning and analysis
• Investment education and training programs
• Market research and investment consulting
• Risk assessment and management strategies

3. Eligibility and Registration

3.1 Age Requirement

You must be at least 18 years old to use our services.

3.2 Registration

To access certain services, you may need to register for an account. You agree to provide accurate, current, and complete information and to update this information as necessary.

3.3 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. Investment Services Terms

4.1 Investment Advice Disclaimer

All investment advice provided by ObilinTeg is for informational purposes and should not be considered as a guarantee of investment performance. Past performance does not indicate future results.

4.2 Risk Disclosure

All investments carry risk, including the potential loss of principal. You acknowledge and understand that:

• Investment values can fluctuate and may result in losses
• Past performance is not indicative of future results
• No investment strategy can guarantee profits
• You should only invest money you can afford to lose

4.3 Suitability Assessment

Before providing investment advice, we will assess your financial situation, investment objectives, and risk tolerance. You agree to provide accurate information for this assessment.

5. Fees and Payments

5.1 Service Fees

Fees for our services are disclosed in advance and may include management fees, advisory fees, and performance-based fees as applicable.

5.2 Payment Terms

Fees are typically charged monthly or quarterly as agreed in your service agreement. Payment is due within 30 days of invoicing.

5.3 Refund Policy

Refunds are generally not provided for services already rendered, except in cases of error on our part or as required by law.

6. Client Responsibilities

As a client, you agree to:

• Provide accurate and complete financial information
• Inform us of any material changes to your financial situation
• Review all communications and statements promptly
• Ask questions if you don't understand any aspect of our services
• Comply with all applicable laws and regulations

7. Prohibited Uses

You may not use our services or website to:

• Engage in any illegal or fraudulent activities
• Transmit harmful or malicious code
• Violate the rights of others
• Circumvent security measures
• Use our services for money laundering or terrorist financing

8. Intellectual Property

All content on our website and in our materials, including text, graphics, logos, and software, is the property of ObilinTeg and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

9. Privacy and Data Protection

Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. We comply with all applicable data protection laws including UK GDPR.

10. Disclaimers and Limitations of Liability

10.1 Service Disclaimer

Our services are provided "as is" without warranties of any kind. We do not guarantee the accuracy, completeness, or timeliness of any information provided.

10.2 Limitation of Liability

To the maximum extent permitted by law, ObilinTeg shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services.

11. Regulatory Compliance

ObilinTeg is committed to operating in compliance with all applicable UK financial regulations. We are authorized and regulated by the Financial Conduct Authority (FCA) where required.

12. Termination

12.1 Termination by You

You may terminate your relationship with us at any time by providing written notice. Outstanding fees will remain due.

12.2 Termination by Us

We may terminate our services with 30 days' written notice or immediately in cases of breach of these Terms.

13. Dispute Resolution

13.1 Governing Law

These Terms are governed by the laws of England and Wales.

13.2 Dispute Resolution Process

Any disputes will first be addressed through our internal complaints procedure. If unresolved, disputes may be referred to the Financial Ombudsman Service.

14. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated to you in advance. Continued use of our services after changes constitutes acceptance of the new Terms.

15. Severability

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

16. Contact Information

For questions about these Terms of Service, please contact us:

17. Financial Services Compensation Scheme

ObilinTeg participates in the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations to you.