Legal Disclaimer

This Legal Disclaimer (“Disclaimer”) governs your use of the services, products, website, mobile applications, and any other platforms (collectively, the “Services”) provided by Edinburgh Capital Bank PLC (“the Bank”, “we”, “us”, or “our”). By accessing or using our Services, you acknowledge and agree to the terms outlined herein.

1. No Financial or Professional Advice

1.1 General Information Only: The content provided through our Services, including but not limited to articles, calculators, market data, or product descriptions, is for informational purposes only and does not constitute:

• Financial, investment, tax, or legal advice.
• An offer, solicitation, or recommendation to buy, sell, or hold any financial product.
• A substitute for personalised advice from a qualified professional.

1.2 Risk Disclosure: Financial products (e.g., loans, investments, derivatives) carry inherent risks, including but not limited to:

• Capital loss (for investments).
• Interest rate fluctuations.
• Market volatility.
• Currency exchange risks (for foreign transactions).

You alone assume all risks associated with financial decisions made based on information from our Services.

2. Accuracy and Reliability of Information

2.1 No Warranty: While we endeavour to ensure the accuracy, timeliness, and completeness of the information published, we:

• Do not warrant or guarantee the reliability, suitability, or availability of any content.
• Reserve the right to modify, suspend, or remove content without prior notice.

2.2 Third-Party Data: Market data, exchange rates, or economic statistics may be sourced from third-party providers (e.g., Bloomberg, Reuters). We do not validate the accuracy of such data and disclaim liability for errors or delays.

3. Third-Party Links and Services

3.1 External Websites: Our Services may contain hyperlinks to third-party websites, apps, or tools (e.g., payment gateways, credit bureaus). We:

• Do not endorse, control, or assume responsibility for their content, privacy policies, or practices.
• Disclaim liability for any loss or damage arising from your use of third-party services.

3.2 Affiliate Partnerships: Certain links may direct you to products/services offered by affiliates or partners. Such relationships do not imply endorsement, and terms are solely between you and the third party.

4. Limitation of Liability

4.1 Exclusion of Liability: To the fullest extent permitted by law, Edinburgh Capital Bank PLC and its directors, employees, or agents shall not be liable for:

• Direct, indirect, incidental, consequential, or punitive damages (including loss of profits, data, or goodwill).
• Errors, omissions, or inaccuracies in content.
• Unauthorised access to or alteration of your data by third parties.
• Decisions made in reliance on information provided through our Services.

4.2 Force Majeure: We are not liable for delays or failures in performance resulting from events beyond our reasonable control (e.g., natural disasters, cyberattacks, regulatory changes).

5. Regulatory and Compliance Disclosures

5.1 Authorisation and Regulation:

• Edinburgh Capital Bank PLC is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (Company number SC001836).
• Our activities are subject to the Financial Services and Markets Act 2000 (FSMA) and other UK financial regulations.

5.2 Deposit Protection:

• Eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £85,000 per depositor, per authorised institution. For joint accounts, coverage is £170,000. For details, visit www.fscs.org.uk.
• Exclusions: Certain products (e.g., investments, pensions) are not covered by the FSCS.

5.3 Complaints Resolution:

• If dissatisfied with our services, you may lodge a complaint via [email protected]
  .
• Unresolved complaints may be escalated to the Financial Ombudsman Service (www.financial-ombudsman.org.uk).

6. Intellectual Property Rights

6.1 Ownership: All content, trademarks, logos, software, and materials on our Services (e.g., “Edinburgh Capital Bank” name, product names) are the exclusive property of the Bank or its licensors.

6.2 Permitted Use: You may access and use content for personal, non-commercial purposes only. Any unauthorised use (e.g., reproduction, distribution, modification) is strictly prohibited.

7. Electronic Communications

7.1 Consent: By using our Services, you consent to receive electronic communications (e.g., emails, SMS, app notifications) for operational, marketing, or regulatory purposes.

7.2 Opt-Out: You may unsubscribe from marketing communications at any time via the “Unsubscribe” link in emails or by contacting [email protected]
.

8. Jurisdictional Restrictions

8.1 UK Residents: Our Services are primarily intended for residents of the United Kingdom. Product availability may vary based on jurisdiction.

8.2 International Users: Accessing our Services from outside the UK does not imply an offer to provide services in your jurisdiction. You are responsible for compliance with local laws.

9. Amendments and Updates

9.1 Changes to Disclaimer: We reserve the right to update this Disclaimer periodically. Revised versions will be posted on our website with a new “Last Updated” date.

9.2 Continued Use: Your continued use of our Services after changes constitutes acceptance of the revised terms.

10. Governing Law and Dispute Resolution

10.1 Applicable Law: This Disclaimer is governed by the laws of England and Wales.

10.2 Dispute Jurisdiction: Any disputes arising from this Disclaimer shall be resolved exclusively in the courts of England and Wales, unless otherwise required by UK financial regulations.

11. General Provisions

11.1 Severability: If any provision of this Disclaimer is deemed invalid or unenforceable, the remaining provisions shall remain in full force.

11.2 Entire Agreement: This Disclaimer supersedes all prior agreements or understandings regarding the use of our Services.

Contact Information

For questions or concerns regarding this Disclaimer, contact:
Edinburgh Capital Bank PLC
Registered Office: 150 Fountainbridge, Edinburgh EH3 9PE, Unit Kingdom
Email: [email protected]
Phone: +44 (131) 507 – 0360