Terms of website use

These Terms of Website Use (“Terms”) apply to your use of the website at www.obsidianfs.co.uk (the “Website”), operated by Obsidian Financial Services Limited (“Obsidian”, “we”, “us”, “our”). By accessing or using the Website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use the Website.

Please also read our Privacy Notice and Cookie Policy, which are incorporated into these Terms by reference and explain how we collect and use personal data.

Obsidian Financial Services Limited is a company registered in England and Wales under company number 16684597, with its registered office at 18 Southfield Close, Elsenham, Bishop’s Stortford, CM22 6YF.

You can contact us by email at enquiries@obsidianfs.co.uk or by telephone on 07741 268126.

Obsidian Financial Services Limited has applied to the Financial Conduct Authority (FCA) for authorisation to carry on regulated financial advice activities. As at the effective date of these Terms, that application remains in progress and Obsidian is not yet an authorised person for the purposes of the Financial Services and Markets Act 2000.

Until authorisation is granted, Obsidian does not carry on any regulated activity, and nothing on this Website constitutes a personal recommendation, regulated financial advice, or an invitation or inducement to engage in investment activity. Content on the Website is provided for general information only.

Once authorisation has been granted, this section will be updated to confirm Obsidian’s Firm Reference Number (FRN) and the statement that Obsidian is authorised and regulated by the Financial Conduct Authority. You can check the current status of any firm on the Financial Services Register at register.fca.org.uk.

The Website is provided for general information purposes only. It does not consider your personal circumstances, financial objectives, or needs, and nothing on the Website should be treated as a personal recommendation or regulated advice of any kind.

You should not rely on any information on the Website when making a financial decision. Regulated advice can only be given following an individual assessment of your circumstances, and only once Obsidian is authorised to provide it.

You may view, download, and print extracts from the Website for your own personal, non-commercial use, provided you do not modify any content and you keep intact all copyright and other proprietary notices.

You must not:

• reproduce, republish, or redistribute Website content for commercial purposes without our prior written consent;
• use the Website in any way that is unlawful, fraudulent, or harmful, or in connection with any unlawful, fraudulent, or harmful purpose or activity;
• attempt to gain unauthorised access to the Website, the server on which it is hosted, or any server, computer, or database connected to it;
• introduce viruses, trojans, worms, or other material that is malicious or technologically harmful; or
• attack the Website via a denial-of-service attack or a distributed denial-of-service attack.

We are the owner or licensee of all intellectual property rights in the Website and in the material published on it, including text, graphics, logos, and the Obsidian name and branding. These works are protected by copyright and trademark laws and treaties around the world. All such rights are reserved.

You may not use any part of the content on the Website for commercial purposes without obtaining a licence to do so from us.

We take reasonable care to ensure that the content of the Website is accurate and up to date, but we make no representation, warranty, or guarantee (whether express or implied) that it is accurate, complete, or current. Content is subject to change without notice.

Where the Website 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 sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them.

To the fullest extent permitted by law, Obsidian excludes all liability for any loss or damage arising out of or in connection with your use of, or inability to use, the Website, or your reliance on any content on the Website. This does not affect our liability for death or personal injury arising from our negligence, for fraud or fraudulent misrepresentation, or for any other liability which cannot be excluded or limited under applicable law.

Nothing in these Terms excludes or limits our liability under, or affects your rights arising from, applicable financial services legislation or regulatory rules.

Our use of any personal data you provide through the Website is governed by our Privacy Notice. Our use of cookies is governed by our Cookie Policy. Both are available on the Website and form part of these Terms.

If you have a complaint about the Website generally, please contact us using the details in Section 2. If your complaint relates to how we handle your personal data, please contact privacy@obsidianfs.co.uk or complaints@obsidianfs.co.uk — see our Privacy Notice for full details of our data protection complaints process, including your right to complain to the Information Commissioner’s Office (ICO).

Once Obsidian is authorised, complaints relating to regulated activities will be handled in accordance with our Complaints Procedure and, where unresolved, may be referred to the Financial Ombudsman Service.

We may revise these Terms at any time by amending this page. Please check this page periodically to take notice of any changes, as they are binding on you. We may also update or withdraw the Website, or any content on it, at our sole discretion and without notice.

These Terms, and any dispute or claim arising out of or in connection with them or their subject matter, are governed by and construed in accordance with the law of England and Wales. The courts of England and Wales have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms.

Questions about these Terms should be sent to enquiries@obsidianfs.co.uk.