Terms of use

## Acceptance of these terms By accessing the website at cognitive-cloudsystem.digital you agree to these terms. If you do not agree, please stop using the site. Enquiries submitted through our forms are also subject to these terms and to any letter of engagement later issued for paid advice. ## Nature of information on this site Content on this website is general information about UK financial advice and consulting. It is not personalised advice, a financial promotion of a specific product, or a substitute for a regulated recommendation tailored to your circumstances. Formal advice is provided only under a signed engagement letter. ## Intellectual property Text, design, and original materials on this site belong to North Quay Financial Counsel or our licensors. You may view and print pages for personal reference. You may not copy, republish, or commercially exploit site content without prior written consent. ## User conduct You agree not to misuse the site, attempt to disrupt its operation, submit false contact details, or use our forms to send unlawful or harassing content. ## Liability To the fullest extent permitted by law applicable in Great Britain, we are not liable for loss arising from reliance on general website content alone, or from temporary unavailability of the site. Nothing in these terms excludes liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be limited under applicable law. Where we provide regulated advice under a separate engagement, liability for that advice is governed by the engagement letter and applicable regulatory rules, not by these website terms alone. ## Third-party links Links to external sites are provided for convenience. We are not responsible for their content or privacy practices. ## Governing law These terms are governed by the laws of England and Wales. Courts of England and Wales have exclusive jurisdiction, except that consumers resident elsewhere in Great Britain may also rely on mandatory protections in their home nation. ## Changes We may update these terms from time to time. The “Last updated” date at the top of this page reflects the current version. Continued use of the site after changes constitutes acceptance of the revised terms. ## Contact Questions about these terms: hello@cognitive-cloudsystem.digital or write to 822 Reichel Rapids, Upton Cruickshank Place, England, United Kingdom.