Access to the Website and Content

The information provided on the Website is for general informational purposes only. It is not an invitation, recommendation, or guarantee to engage in any services or opportunities described. You should seek independent advice before making any decisions based on Website content.

We strive to maintain uninterrupted access to the Website but may suspend, restrict, or terminate access at any time without prior notice. We also reserve the right to update, modify, substitute, or remove Website content without notice.

Links to third-party websites are provided for your convenience only. We have no control over, and accept no responsibility for, the content, policies, or practices of any third-party websites. The inclusion of any link does not imply endorsement by MSFDN.

Intellectual Property

All content on the Website—including text, images, graphics, logos, videos, and the Website’s overall design—is the property of MSFDN or its licensors, unless otherwise stated. All rights are reserved.

You may download or print one copy of Website content for your own personal, non-commercial use. No other reproduction, distribution, or commercial use is permitted without our prior written consent.

By submitting any material to us through the Website (including feedback, comments, or creative contributions), you grant MSFDN a non-exclusive, royalty-free, perpetual, worldwide licence to use, reproduce, modify, publish, and distribute such material for our purposes.

User Conduct

You agree to use the Website only for lawful purposes. You must not:

• Knowingly introduce viruses, trojans, worms, logic bombs, or other malicious or harmful technology;
• Attempt to gain unauthorized access to the Website, its servers, or any connected database;
• Attack the Website via a denial-of-service attack or distributed denial-of-service attack;
• Post or transmit any material that is defamatory, offensive, discriminatory, or otherwise objectionable.

Breaching this provision may constitute a criminal offence. We will report any such breach to the relevant law enforcement authorities.

Data Protection and Privacy

We are committed to protecting your personal information. Please refer to our Privacy Policy for detailed information on how we collect, use, and protect your data in accordance with applicable data protection laws, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

Cookies

We use cookies and similar technologies to enhance your experience on our Website. By continuing to use the Website, you consent to our use of cookies.

Exclusions of Liability

We work to ensure that all information on the Website is accurate and up to date. However, we cannot guarantee that all content is error-free, complete, or current. We accept no liability for inaccuracies or omissions, and you use the Website at your own risk.

To the fullest extent permitted by law, we exclude all warranties, conditions, or other terms implied by law. We are not liable for any loss or damage, including indirect or consequential loss, loss of data, loss of business opportunity, goodwill, or reputation—that may arise from your use of, or reliance on, the Website or its content.

We do not guarantee that the Website will be secure or free from bugs, viruses, or other malicious code.

General

If any part of these Terms and Conditions is held to be invalid, unlawful, or unenforceable, that part shall be deemed severed and will not affect the validity or enforceability of the remaining Terms.

We may update these Terms and Conditions at any time. Updates will be published on the Website and will take effect three (3) days after posting.

These Terms and Conditions are governed by the laws of England and Wales. Any disputes arising out of or relating to these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.