These Terms and Conditions ("Terms") govern your access to and use of the Beacon Sparthen website and any associated tools, reports, or services (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, please do not use the Service.

This document is a general template provided for drafting purposes and should be reviewed by a qualified professional before use. It does not constitute legal or financial advice and has not been tailored to any specific jurisdiction or regulatory regime.

1. About the Service

Beacon Sparthen provides AI-assisted data analysis and informational tools intended to help users review and interpret publicly available investment-related data. The Service is designed to support independent decision-making and does not constitute personalised financial advice, a recommendation to buy or sell any security, or a guarantee of any particular outcome.

2. No Financial Advice

Nothing provided through the Service should be construed as investment, legal, tax, or financial advice. All analysis, scores, risk indicators, or outputs generated by Beacon Sparthen are based on automated processing of available data and may contain errors, omissions, or outdated information. You are solely responsible for any investment decisions you make, and you should consult a qualified, independent financial adviser before acting on any information obtained through the Service.

3. Eligibility and Account Responsibilities

You must be at least 18 years old and legally capable of entering into binding contracts to use the Service. If you create an account, you are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to provide accurate and current information when registering or submitting data for analysis.

4. Fees and Charges

Where Beacon Sparthen describes specific fee structures (including any zero-trading-fee arrangements) on other pages of this website, those descriptions are provided for general informational purposes and are subject to change. Any applicable fees, charges, or third-party costs will be disclosed to you separately before you are asked to commit to a paid service or transaction, where applicable.

5. Acceptable Use

You agree not to misuse the Service, including but not limited to: attempting to gain unauthorised access to our systems, reverse-engineering or scraping our tools, interfering with the normal operation of the website, uploading unlawful or harmful content, or using the Service for any fraudulent or illegal purpose. We reserve the right to suspend or terminate access to the Service for any user who violates these Terms.

6. Intellectual Property

All content on this website, including text, graphics, logos, software, and underlying analytical methodology, is the property of Beacon Sparthen or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any part of the Service without prior written consent, except as permitted for ordinary personal, non-commercial use.

7. Third-Party Data and Links

The Service may incorporate data from third-party sources or contain links to third-party websites. Beacon Sparthen does not control and is not responsible for the accuracy, completeness, or availability of any third-party content, and inclusion of such content does not imply endorsement.

8. Disclaimers

The Service is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. Beacon Sparthen does not warrant that the Service will be uninterrupted, error-free, or free of harmful components.

9. Limitation of Liability

To the maximum extent permitted by applicable law, Beacon Sparthen and its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, or investment value, arising out of or in connection with your use of or inability to use the Service, even if advised of the possibility of such damages.

10. Indemnification

You agree to indemnify and hold harmless Beacon Sparthen from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your use of the Service or your violation of these Terms.

11. Changes to the Service and Terms

We may modify, suspend, or discontinue any part of the Service at any time without prior notice. We may also update these Terms from time to time. Material changes will be reflected by an updated revision date on this page. Continued use of the Service after changes become effective constitutes acceptance of the revised Terms.

12. Termination

We reserve the right to suspend or terminate your access to the Service at our discretion, including for suspected violation of these Terms, without liability to you.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Beacon Sparthen operates, without regard to conflict-of-law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the competent courts of that jurisdiction, unless otherwise required by applicable consumer protection law.

14. Severability

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

15. Contact

If you have questions about these Terms, please reach out using the contact details provided in the footer of this website.

Last updated: this page is a general draft template and the date shown here should be replaced with the actual effective date before publication.