Terms of Service

1. Agreement to Terms

By accessing and using the Whisper Vista website ("Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

Whisper Vista Limited is a company incorporated in England and Wales with its registered office at 25 Bishopsgate, London EC2N 3AA, United Kingdom.

2. Description of Service

Whisper Vista provides:

• Investment news and market analysis focused on UK markets
• Financial commentary and research reports
• Email newsletters and market updates
• Educational content about investing and financial markets
• Market data and investment insights

3. Acceptance of Terms

These Terms of Service constitute a legally binding agreement between you and Whisper Vista. By using our Service, you represent that:

• You are at least 18 years of age
• You have the legal capacity to enter into this agreement
• You will comply with all applicable laws and regulations
• All information you provide is accurate and current

4. Use License and Restrictions

4.1 Permitted Use

Subject to these terms, we grant you a limited, non-exclusive, non-transferable license to:

• Access and use our website for personal, non-commercial purposes
• Read and download content for your personal information
• Subscribe to and receive our newsletters
• Share our content with proper attribution

4.2 Prohibited Uses

You may not:

• Use our Service for any illegal or unauthorised purpose
• Reproduce, distribute, or commercially exploit our content without permission
• Attempt to gain unauthorised access to our systems
• Use automated systems to scrape or download content
• Transmit spam, viruses, or malicious code
• Impersonate Whisper Vista or our employees
• Post or transmit any unlawful, threatening, or offensive content

5. Investment Disclaimer

5.1 No Investment Advice

IMPORTANT: The information provided by Whisper Vista is for educational and informational purposes only. Nothing on our website constitutes:

• Investment advice or recommendations
• A solicitation to buy or sell securities
• Professional financial advice
• A guarantee of investment performance

5.2 Risk Warning

Investing in financial markets involves substantial risk of loss. Past performance does not guarantee future results. You should:

• Conduct your own research before making investment decisions
• Consult with qualified financial advisors
• Only invest money you can afford to lose
• Understand that market values can go down as well as up

5.3 FCA Compliance

Whisper Vista is not authorised or regulated by the Financial Conduct Authority (FCA). We do not provide regulated investment advice or services.

6. Intellectual Property Rights

6.1 Our Content

All content on our website, including but not limited to text, graphics, logos, images, software, and data compilations, is the property of Whisper Vista or our content suppliers and is protected by copyright, trademark, and other intellectual property laws.

6.2 User Content

If you submit content to our website (comments, feedback, etc.), you grant us a non-exclusive, royalty-free, perpetual license to use, modify, and display such content in connection with our Service.

6.3 DMCA Notice

We respect intellectual property rights. If you believe your copyright has been infringed, please contact us at [email protected] with detailed information about the alleged infringement.

7. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

8. Newsletter and Communications

8.1 Subscription

By subscribing to our newsletter, you consent to receive regular email communications from us, including:

• Weekly market analysis and commentary
• Breaking news alerts
• Special reports and research
• Service updates and announcements

8.2 Unsubscribe

You may unsubscribe from our communications at any time by clicking the unsubscribe link in any email or contacting us directly.

9. Disclaimers and Limitations

9.1 Service Availability

We strive to maintain continuous service availability but cannot guarantee uninterrupted access. We reserve the right to:

• Suspend or terminate the Service for maintenance
• Modify or discontinue features
• Block access for terms violations

9.2 Accuracy of Information

While we strive for accuracy, we make no warranties about the completeness, accuracy, or timeliness of information on our website. Market data may be delayed or inaccurate.

9.3 Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of service of these external sites.

10. Limitation of Liability

To the fullest extent permitted by law:

• We provide our Service "as is" without warranties of any kind
• We disclaim all warranties, express or implied
• We shall not be liable for any indirect, incidental, or consequential damages
• Our total liability shall not exceed £100 or the amount you paid for services
• We are not liable for investment losses based on our content

11. Indemnification

You agree to indemnify and hold harmless Whisper Vista, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

• Your use of our Service
• Your violation of these Terms
• Your violation of any rights of another
• Any content you submit to our website

12. User Accounts and Security

If you create an account with us:

• You are responsible for maintaining account security
• You must provide accurate and current information
• You are responsible for all activities under your account
• You must notify us immediately of any unauthorised use

13. Termination

13.1 Termination by You

You may terminate your use of our Service at any time by ceasing to access our website and unsubscribing from our communications.

13.2 Termination by Us

We may terminate or suspend your access immediately, without prior notice, for any breach of these Terms or for any other reason.

13.3 Effect of Termination

Upon termination, your right to use the Service ceases immediately. Provisions that should survive termination shall remain in effect.

14. Governing Law and Jurisdiction

These Terms are governed by the laws of England and Wales. Any disputes arising from these Terms or your use of our Service shall be subject to the exclusive jurisdiction of the courts of England and Wales.

15. Dispute Resolution

Before pursuing legal action, we encourage you to contact us directly to resolve any disputes. We are committed to resolving issues amicably and promptly.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

17. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Continued use of our Service after changes constitutes acceptance of the new Terms.

We will notify users of material changes by:

• Posting a notice on our website
• Sending an email to newsletter subscribers
• Updating the "Last updated" date

18. Force Majeure

We shall not be liable for any failure to perform our obligations under these Terms where such failure results from circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, cyber attacks, or government actions.