Website Terms of Use

Version Date: March 2026

These website terms of use (together with any documents, information and policies referred to below) (the ‘Terms of Use’) set out the legal terms that apply to your use of our website, https://viaductadvisory.com (the ‘Website’).

Please read these Terms of Use carefully and make sure that you understand them. By using the Website, you agree to be bound by these Terms of Use.

1. ABOUT US

1.1 The Website is owned by Viaduct Advisory Limited which is a company registered in England & Wales under company registration number 15417716. Our registered office address is at Third Floor, 20 Old Bailey, London, United Kingdom, EC4M 7AN.

1.2 Please refer to the ‘Regulatory Information’ section of the Website for further information about our financial regulatory authorisations.

2. UNDERSTANDING THESE TERMS OF USE

2.1 When we refer to ‘we’, ‘us’ or ‘our’, we mean Viaduct Advisory Limited and its affiliated entities. Where we refer to ‘you’ or ‘your’ we mean you, the person using the Website.

2.2 We have used headings to help you understand these Terms of Use and to easily locate information. These Terms of Use are only available in the English language. We recommend that you print or save a copy of these Terms of Use for your records. We may amend these Terms of Use from time to time, so please check the Website regularly to ensure you have seen the latest version.

3. WEBSITE PRIMAILY INTENDED FOR UK BASED USERS

3.1 This Website and the Content (as defined in paragraph 5.1) has been written primarily for residents of the United Kingdom and in accordance with English law. We make no promise that the Website is available for use in locations outside of the UK.

3.2 Any information relating to products or services referred to on this Website is not directed to residents or potential customers based in other countries outside the UK since applicable law in those countries may regulate such information and the marketing and sale of such products or services.

3.3 You acknowledge that if you choose to access the Website from locations outside the United Kingdom, you do so at your own risk.

3.4 For the avoidance of doubt none of the information on this Website constitutes an offer to contract.

4. WHAT ARE THESE TERMS OF USE FOR?

4.1 These Terms of Use govern your use of this Website and any material that you may access through this Website. By using the Website, you are deemed to have accepted these Terms of Use. If you do not agree to these Terms of Use, please refrain from using the Website.

4.2 These Terms of Use are intended to only govern your use of this Website and not in relation to any provision of services. Where you purchase any insurance products or services referred to on this Website, this will be subject to a separate agreement which will have its own additional terms and conditions.

4.3 Please note that we may amend or modify these Terms of Use from time to time and accordingly you should check for the latest version.

5. OUR AGREEMENT WITH YOU

5.1 You acknowledge that we do not make any representations or warranties about the material you may have access to as part of, or through your use of, the Website or through your communications with us, including but not limited to any data, research, opinions, reports, guidance or other written materials as well as any audio, video or other material in any medium which we may make available from time to time, whether from ourselves or third parties (‘Content’).

5.2 While we make every effort to ensure that the Content is correct, you acknowledge we provide no warranty or guarantee as to its accuracy and cannot accept liability for any errors or omissions within it. Some of the opinions expressed on this Website are subject to change without notice and Content may also become out of date at any given time. Although we will try to update Content as soon as possible, we are not under an obligation to do so by a particular time. We cannot be liable for any omissions or errors in any Content or Content being out of date.

5.3 You agree that you are solely responsible for how you choose to use any Content made available through the Website or through our communications with you. The fact that we make Content available does not mean that you should rely on it for your particular situation; any services we provide are suitable for you; or particular services referred to on this Website are still available.

5.4 You agree to comply with these Terms of Use and observe any other terms and conditions, policies or third-party terms of use appearing on our Website, as well as all applicable laws, statutes and regulations. Our use of any personal data we collect about you is governed by our Privacy Policy. In the event of conflict or inconsistency with any other terms or policies, our Privacy Policy followed by these Terms of Use shall prevail.

5.5 You acknowledge that the Content is not intended to amount to advice on which reliance should be placed. We therefore accept no liability or responsibility arising from any reliance placed on the Content by any user, including by any third party who may be informed of any of its contents.

5.6 We reserve the right to withdraw or amend the Website (including any Content) without notice and, from time to time, we may restrict access to all or parts of the Website. We will not be liable to you if, for any reason, the Website or any Content is unavailable at any time or for any period.

6. OUR RIGHTS

6.1 You acknowledge that any intellectual property rights arising in relation to this Website and any Content (including, without limit, rights relating to any inventions, copyright, business names, trade marks and associated goodwill, designs, domain names, databases, know-how and other intellectual property rights, whether registered or unregistered, existing anywhere in the world) (‘IPR’) belong to us or our licensors (as the case may be).

6.2 You are only permitted to use Content for personal purposes and are not allowed to commercially exploit, publish or publicly post links to any Content or other material that reproduces, uses or incorporates our IPR without our prior permission. You acquire no title, right or interest in relation to such IPR, except for the limited rights expressly referred to in these Terms of Use.

7. LINKING

7.1 Where the Website and/or Content contains links to other websites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those websites or resources and such links should not be interpreted as an endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.

8. DISCLAIMERS AND EXCLUSIONS

8.1 You accept and agree that:

(a) you will not act in any way that interferes with the operation of this Website or which in our reasonable opinion has or is likely to have an adverse impact on our business or any of our customers;
(b) the Content is not intended to constitute advice or guidance and you take full responsibility for any results arising from your reliance on or use of any Content;
(c) your right to use the Website shall cease immediately if you do not comply with these Terms of Use or any policies on our Website;
(d) we are not liable for this Website not being available or its operation being disrupted due to technical issues or other events beyond our control; and
(e) on occasion, we may update or make changes to this Website as we deem appropriate.

8.2 To the fullest extent permitted by applicable law, we exclude liability (on our own behalf and on behalf of our employees, agents, or representatives) for any (i) indirect, incidental, special, exemplary or consequential damages; or (ii) any lost business, profits, income, revenue or anticipated savings, contracts, goodwill, lost data or economic loss (whether direct or indirect) howsoever arising out of or in connection with your use of this Website, the Content or any linked third party site, even if we have been advised of the possibility of the same.

8.3 When you access the Website or the Content, you assume responsibility for establishing your own anti-virus or other screening procedures on your computer or mobile device to protect it as necessary against hacking or other hazards. We will not be liable for any loss or damage caused by a virus or other technologically harmful material that may infect your computer equipment, data or other proprietary material due to your use of this Website (or any website linked to it) or you downloading any Content.

8.4 Except as expressly set out in these Terms of Use, we disclaim all representations, warranties, terms or conditions in relation to the Content whether express or implied by statute, common law or otherwise), including, but not limited, to warranties, conditions or terms relating to quality or fitness for particular purpose. These Terms of Use will not exclude or limit such mandatory rights that you are entitled to under applicable law, to the extent that those rights cannot be excluded or limited by notice or contract.

8.5 We do not in any way exclude or limit our liability for:

(a) death or personal injury caused by our negligence;
(b) fraud or fraudulent misrepresentation; or
(c) any other liability which cannot be limited by law.

9. VIRUSES, HACKING AND OTHER OFFENCES

9.1 You must not misuse the Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the Website, the server on which the Website is stored or any server, computer or database connected to the Site. You must not attack the Website via a denial-of-service attack or a distributed denial-of service attack.

9.2 By breaching this provision, you could commit a criminal offence. We will report any such breach to the relevant law enforcement authorities and we may co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the Website will cease immediately.

10. GENERAL

10.1 Should any part of these Terms of Use be declared invalid or unenforceable by a court of competent jurisdiction, this shall not affect the validity of any remaining portion which (if legally permitted) shall remain in full force and effect as if the invalid portion of the Terms of Use had been eliminated.

10.2 We may assign any of our rights under these Terms of Use and subcontract our obligations in relation to provision of this Website.

10.3 These Terms of Use are subject to English law. To the maximum extent legally permitted, you agree that any dispute relating to the Website or these Terms of Use shall be subject to the exclusive jurisdiction of the courts of England and Wales and any proceedings relating to a dispute shall be in the English language. This however shall not affect any mandatory right that you have to take action under applicable law in another country or jurisdiction.

10.4 We are always happy to hear any feedback about this Website so please contact us if you have any comments or requests. We will endeavour to respond to these as soon as possible. Our address for correspondence is 29 Queen Anne’s Gate, London SW1H 9BU.