Terms of use

1. Overview

1.1. Welcome to Murray Capholm (the Website). Contact: [email protected].

1.2. The Website presents third-party platforms (Third-Party Platforms) that enable trading (Services).

1.3. These Terms set out your (You, Your, User) use of the Website and Services and create a binding agreement with the operator. If You do not agree, stop using the Website. By continuing to use it, You accept these Terms, which may be revised. Our Privacy Notice is made part of these terms by reference.

2. Eligibility

2.1. You may only use the Website if you are 18 or older, have the legal capacity to agree to these Terms, and are not barred from using the Services under the laws that apply where you live or from where you access the site.

2.2. We do not warrant that the Website or Services are lawful for every user or every purpose, and we accept no responsibility for any unauthorised use.

3. Restricted territories

3.1. We may block or limit access in certain locations (Restricted Territories) or for anyone we reasonably believe presents legal, regulatory, reputational, or financial risk. Country-specific conditions may also apply. If you enter a Restricted Territory, the Website or Services may not be available.

4. Prohibited activities

4.1. You must not use the Website to violate anyone's rights; post unlawful, harmful, defamatory, or discriminatory material; introduce malware; run advertising without our permission; scrape, frame, or mirror the Services; use unauthorised bots; get around security measures; remove proprietary notices; access the Services other than through the Website; interfere with other users; deploy hidden tracking without consent; breach any applicable law; alter code; or reverse engineer our software.

4.2. If we reasonably suspect your use breaches these Terms or the law, we may monitor activity, limit access, disclose conduct to third parties where lawful, and take any other action needed to protect our rights and users.

5. Intellectual Property Rights

5.1. The Website and everything on it, including text, media, logos, designs, marks, and software, is protected by intellectual property rights owned by us or our licensors. Using the Website does not give you ownership rights, other than the limited permission to use it as allowed under these Terms for personal, non-commercial use.

5.2. You must not copy, change, share, sell, lease, scrape, decompile, or make derivative works from the Website or Services without our prior written approval.

6. Limitation of Liability

6.1. You use the Website and Services at your own risk. To the fullest extent allowed by law, they are provided on an as is and as available basis, without any warranties, including as to accuracy, availability, fitness for purpose, or non-infringement.

6.2. We are not responsible for mistakes in content, outages or interruptions in service, or harmful code introduced by third parties. You agree to indemnify us for losses arising from your use of, or decisions made based on, the Website or Services.

6.3. To the maximum extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, or punitive loss, or for lost profits or data, arising out of or in connection with the Website or Services.

6.4. We are not liable for telecommunications breakdowns, internet overload, device or browser incompatibility, or any other matters beyond our reasonable control.

7. Third party services or content

7.1. You may come across third-party material, such as ads or reviews about Third-Party Platforms. We do not control or endorse that material, and it may be incomplete or out of date. It is up to you alone to decide whether to rely on it.

8. Links

8.1. Links to third-party sites are supplied for information only. We are not responsible for the availability, content, products, services, or policies of external websites. You access third-party resources at your own discretion and risk. It is your responsibility to review the relevant terms and privacy policies of those sites.

9. Miscellaneous

9.1. We may modify or stop offering the Services and may update these Terms by publishing a revised version. If you keep using the Services after changes are posted, you accept them. These Terms and the Privacy Policy make up the full agreement between you and us about the subject matter here.

9.2. If we do not enforce a provision, that does not mean we have waived it. If any provision is invalid, the rest remain in force. We may transfer our rights and obligations, but you may not transfer yours without our consent. Communications through the Website do not create any relationship beyond these Terms.