T&Cs

This Agreement has been updated as of February 2025.

By accessing this website (the “Site”) you confirm your acceptance of these terms and conditions (the “T&Cs”). You must not continue to use any services (including accessing this Site at https://www.pfida.com/ ) provided by Pfida if you do not agree to all of the T&Cs stated on this page.

The following terminology applies to these T&Cs, Privacy Statement and Disclaimer Notice and all Agreements.

“Client”, “You” “Your”, and “User” refers to you, the person who accesses this Site and is compliant with the Company’s T&Cs. “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers to Pfida Ltd, a company incorporated under the laws of England and Wales, with company registration number 10347817. “Party” or “Parties” refers to both the Client and Ourselves.

Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to the same unless specified or context requires otherwise.

No Financial Advice Disclaimer
The content on this Site is provided for informational purposes only and does not constitute financial, investment, or legal advice. Pfida Ltd does not guarantee the performance of any financial product or service mentioned on this Site. Users should seek independent financial advice before making any investment or financial decision.

Risk Warning
Investing in financial products involves risk, including the potential loss of capital. Past performance does not guarantee future results. Pfida Ltd shall not be liable for any loss or damage arising from reliance on the information provided on this Site.

User Responsibilities and Prohibited Conduct
You agree to use the Site only for lawful purposes and in accordance with these T&Cs. You must not:

Engage in any activity that is fraudulent, deceptive, defamatory, obscene, offensive, or otherwise unlawful;
Interfere with, disrupt, or attempt to gain unauthorized access to our Site, servers, or any connected networks;
Use the Site to transmit unsolicited marketing messages (spam) or malicious software, such as viruses or malware; and / or
Infringe on any third party’s intellectual property, privacy, or proprietary rights.

We reserve the right to suspend or terminate access to the Site for users who violate these terms.

Cookies

We employ the use of cookies. By accessing the Site, and consenting to cookies, you agree to the use of cookies in accordance with our Privacy Policy [TA1] [RH2] and Cookies Policy.

Many interactive Sites use cookies to retrieve the user’s details for each visit. Cookies are used by our Site to enable the functionality of certain areas to make it easier for people visiting our Site. Some of our affiliate/advertising partners may also use cookies.

License

Unless otherwise stated, the Company and / or its licensors own the intellectual property rights for all material on the Site. All intellectual property rights are reserved. You may access this from https://www.pfida.com/ for your own personal use subject to restrictions set out in these T&Cs.

You must not:

Republish material from the Site;
Sell, rent or sub-license material from the Site;
Reproduce, duplicate or copy material from the Site; and / or
Redistribute content from the Site.

Parts of this Site offer an opportunity for users to post and exchange opinions and information in certain areas of the Site. The Company does not filter, edit, publish or review comments prior to their presence on the Site. Comments do not reflect the views and opinions of the Company, its agents and / or affiliates. Comments reflect the views and opinions of the person who posts their views and opinions. To the fullest extent permitted by applicable laws, the Company excludes all liability for the comments or damages or expenses caused and / or suffered as a result of any use of and / or posting of and / or appearance of the comments on this Site.

The Company reserves the right, in its absolute discretion, to monitor, edit, filter, remove and / or otherwise alter or amend , any comments which can be considered inappropriate, offensive or constitutes a breach of these T&Cs.

You warrant and represent that:

You are entitled to post the comments on our Site and have all necessary licenses and consents to do so;
The comments do not infringe any third-party rights, including (without limitation) copyright, patent or trademark of any third party;
The comments do not contain any defamatory, libellous, offensive, indecent or otherwise unlawful material which is an invasion of privacy; and / or
The comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.

You hereby grant the Company a non-exclusive, royalty-free, perpetual, irrevocable, and worldwide license to use, reproduce, modify, distribute, and / or display and authorize others to use, modify, reproduce, distribute, and / or display any of your comments in any and all forms, formats or media.

Hyperlinking to our Content

The following organisations may link to our Site without prior written approval:

Government agencies;
Search engines;
News organisations;
Online directory distributors may link to our Site in the same manner as they hyperlink to the websites of other listed businesses; and / or
Systemwide Accredited Businesses except soliciting non-profit organisations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Site.

These organisations may link to our home page, to publications or to other Site information so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products and / or services; and / or (c) fits within the context of the linking party’s site.

We may consider and approve other link requests from the following types of organisations:

commonly-known consumer and/or business information sources;
dot.com community sites;
associations or other groups representing charities;
online directory distributors;
internet portals;
accounting, law and consulting firms; and / or
educational institutions and trade associations.

We will approve link requests from these organisations if we decide that: (a) the link would not have an adverse impact on the Company or to our accredited businesses; (b) the organisation does not have any negative records with us; (c) the benefit to us from the visibility of the hyperlink is greater than any benefit to be had from our absence; and / or (d) the link is in the context of general resource information.

These organisations may link to our home page so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and / or (c) fits within the context of the linking party’s site.

If you are one of the organisations listed in paragraph 2 above and are interested in linking to our Site, please email us your interest at info@pfida.com. Please include your name, your organisation’s name, and contact information as well as the URL of your site, a list of any URLs from which you intend to link to our Site, and a list of the URLs on our site to which you would like to link. Kindly note, it may take up to 3 weeks for a response.

Approved organisations may hyperlink to our Site as follows:

By use of our corporate name;
By use of the URL being linked to; and / or
By use of any other description of our Site being linked to that makes sense within the context and format of content on the linking party’s site.

No use of the Company’s logo or other artwork will be allowed for linking without a trademark license agreement.

This Site may contain links to third-party websites that are not owned or controlled by the Company. These links are provided for convenience only, and we do not endorse or assume responsibility for the content, privacy policies, or practices of any third-party sites.

You acknowledge that:

Accessing third-party websites is at your own risk; and / or
The Company is not liable for any loss or damage resulting from interactions with third-party websites.

We recommend reviewing the terms and policies of any third-party sites before using them.

iFrames

Without prior approval and written permission, you may not create frames around the Site (or any section of it)which alters in any way the visual presentation or appearance of our Site.

Content Liability

We shall not be held responsible for any content that appears on your website. You agree to protect, defend fully indemnify us against all claims which arises from or as result of link to your website. No link(s) should appear on any website that may be interpreted as libellous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third-party rights.

Your Privacy

Please read our Privacy Policy.[RH3]

Reservation of Rights

We reserve the right to request that you remove all links or any particular link to our Site. You agree to immediately removing all links to our Site upon our request. We also reserve the right to amend these T&Cs and linked policies at any time. By continuously linking to our Site, you agree to be bound to and follow these T&Cs and any linked policy.

Removal of links from our Site

If you find any link on our Site that is offensive for any reason, you are free to contact and inform us at any moment. We will consider requests to remove links but we are not obligated to or so or to respond to you directly.

Whilst we take care around the information contained on our Site, we provide not warranty that the information on this Site is correct, or that the information is complete or accurate, nor do we promise to ensure that the Site will remain available or that the material on the Site is kept up to date.

Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties (including as to fitness-for-purpose, accuracy, and completeness), and conditions relating to our Site and the use of this Site.

Security & Availability
While we take reasonable measures to safeguard your data and ensure the continuous availability of our Site, we do not guarantee that the Site will be secure, uninterrupted, or free from errors.

The Company is not liable for:

Any temporary or permanent unavailability of the Site due to maintenance, cyberattacks, or other technical issues reasonably beyond our control; and / or
Unauthorized access, data loss, or security breaches, except where required by applicable law.

Users are responsible for maintaining the confidentiality of their account credentials and promptly report any suspected security breaches.

Nothing in this disclaimer will:

limit or exclude our or your liability for death or personal injury;
limit or exclude our or your liability for fraud or fraudulent misrepresentation;
limit or exclude any of our or your liabilities in any way that is not permitted under applicable law.

The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and / or (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort and for breach of statutory duty.

As long as the Site and the information and services on the Site are provided free of charge, we will not be liable for any loss or damage of any nature.

Dispute Resolution

If you have a complaint regarding our services, please contact us at info@pfida.com. We aim to resolve disputes amicably. If we cannot reach an agreement, you may:

If you are a consumer, raise the dispute with the UK Financial Ombudsman Service (where applicable).
Take legal action through the courts of England and Wales. These T&Cs, and any related agreements, will be governed by the laws of England Wales and the courts of England and Wales shall have exclusive jurisdiction.

Nothing in this clause affects your statutory rights.

Amendments to These Terms
We may update these T&Cs periodically to reflect changes in our services, regulatory requirements, or business practices. When changes are made a notice will be posted on our Site, however, you should check this page occasionally to ensure you are happy with any changes to these T&Cs.

Your continued use of the Site after the updated T&Cs constitutes acceptance of the revised T&Cs by you. If you do not agree, you should stop accessing the Site.