Terms & Conditions – AsianRobinHood.com

Last Updated: June 26, 2025
Effective Date: June 26, 2025

1. Definitions

• "Site": Refers to AsianRobinHood.com and its subdomains.

• "Content": Includes articles, tools, calculators, and illustrative examples.

• "User": Any individual accessing or using the Site.

• "FCA": Financial Conduct Authority (UK).

2. Acceptance of Terms

By accessing or using this Site, you:

• Confirm that you are at least 18 years old.

• Accept and agree to these Terms in full.

• Agree to comply with all applicable UK laws.

• Acknowledge and accept our [Privacy Policy], [Disclaimer], and [Transparency Policy].

• Accept that we are not liable for any consequences arising from your use of the Site.
  Continued use of the Site constitutes ongoing acceptance of these Terms.

3. Description of Service

3.1 Nature of Service

We provide:

• General financial education.

• Illustrative content using historical and hypothetical data.

• Explanations of financial concepts.

3.2 What We Do Not Provide

We do not offer:

• Personalised financial, legal, tax, or investment advice.

• FCA-regulated activities or services.

• Brokerage, trading, or tax filing services.

• Endorsements or recommendations of specific investments or financial products.

3.3 Eligibility

This Site is accessible globally. Non-UK users access the Site at their own risk and agree that use is governed by UK law. We make no warranties regarding international compliance and disclaim all liability for access outside the UK.

4. User Responsibilities

4.1 Financial Decisions

By using the Site, you acknowledge:

• You use all Content at your sole risk.

• You should verify information via FCA-authorised sources.

• You are strongly encouraged to consult FCA-registered financial advisers before taking action.

• The Content is for general informational purposes only and must not be treated as advice.

4.2 Account Security

If user accounts are created:

• You are responsible for maintaining the confidentiality of your login details.

• You agree to notify us immediately of any breach.

• You accept full liability for all activity under your account.

4.3 Prohibited Conduct

You must not:

• Scrape, reproduce, or commercially exploit the Site’s Content.

• Reverse-engineer or interfere with any Site tools or calculators.

• Submit false, misleading, or fraudulent information.

• Impersonate others or present yourself as a regulated advisor.

5. Intellectual Property

5.1 Ownership

We own all intellectual property on the Site, including:

• Website design, code, and infrastructure.

• Original articles, tools, and other content.

• Logos, trademarks, and branding.

5.2 Limited License

We grant you permission to:

• View or print Content for personal, non-commercial use.

• Share links on social media with clear attribution.

5.3 Restrictions

Without our written consent, you may not:

• Create derivative works based on our Content.

• Redistribute our Content on third-party platforms.

• Use automated tools to extract data from the Site.

6. Financial Regulation & Transparency

6.1 Regulatory Status

We are not authorised or regulated by:

• The Financial Conduct Authority (FCA)

• The Prudential Regulation Authority (PRA)

6.2 Risk Disclosures

You acknowledge that:

• All investments carry risk; capital is at risk.

• Past performance is not indicative of future results.

• Tax and ISA rules vary by individual and jurisdiction.

• Our [Full Disclaimer] governs all financial-related content.

6.3 Affiliate & Third-Party References

• Mentions of third-party products, platforms, or services are for illustration only.

• We do not endorse or recommend any specific product or provider.

• Where compensation is received via affiliate or referral links, this will be clearly disclosed in line with UK advertising and FCA guidance.

7. Disclaimers & Limitations of Liability

7.1 Content Accuracy

All Site Content is provided “as is” without any warranties, express or implied, including accuracy, completeness, or fitness for purpose.

7.2 Investment & Financial Risk

To the fullest extent permitted by law, we disclaim all liability for:

• Any financial loss arising from reliance on the Site or Content.

• Errors in tools, calculators, or informational materials.

• Omission of relevant or up-to-date information.

7.3 Technical Issues

We do not accept responsibility for:

• Site downtime, outages, or service interruptions.

• Viruses, malware, or other harmful components.

• Failures of third-party integrations or services.

7.4 Limitation of Liability

To the maximum extent permitted by law, we accept no liability for any loss or damage — direct, indirect, incidental, or consequential — arising from your use of the Site, regardless of the legal theory applied.

8. Data Protection & Privacy

8.1 GDPR Compliance

Your data is processed in accordance with the UK GDPR and governed by our [Privacy Policy].

8.2 Cookies

We do not use cookies and tracking technologies.

8.3 Anonymity

Feedback submissions do not require personal identifiers and are stored securely for no longer than six (6) months.

9. Termination

9.1 By You

You may stop using the Site at any time without notice.

9.2 By Us

We reserve the right to suspend or terminate access to the Site if you breach these Terms or engage in misuse.

10. Amendments

We may revise these Terms by posting updates 30 days before their effective date. Continued use after changes indicates acceptance of the revised Terms.

11. Governing Law & Jurisdiction

11.1 Applicable Law

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

11.2 Dispute Resolution

All disputes must be brought individually in the courts of England and Wales.

11.3 International Users

Non-UK users acknowledge that the Site is operated under UK law and agree to resolve disputes exclusively under the jurisdiction of the UK.

12. General Provisions

• If any part of these Terms is found unenforceable, the remainder remains in effect.

• Your rights under these Terms may not be transferred without our written consent.

• We are not liable for delays or failures due to causes beyond our reasonable control.

• Key provisions, including those related to liability and intellectual property, shall survive termination of your use of the Site.

13. Contact

For legal inquiries or concerns, contact:
legal@asianrobinhood.com