Terms of Use

Effective Date: 1 January 2026

Introduction

Welcome to the flame-tide website. These Terms of Use govern your access to and use of our website. By using this website, you agree to comply with and be bound by these terms.

If you do not agree with any part of these terms, please do not use our website.

About flame-tide

flame-tide is a trading name of flame-tide Limited, a company registered in England and Wales.

Company Registration Number: 11234567
Registered Office: 42 Castle Street, Liverpool, L2 7LQ, United Kingdom
FCA Registration Number: 812456

We are authorized and regulated by the Financial Conduct Authority to provide financial advice and services.

Use of This Website

Permitted Use

You may use this website for lawful purposes only. Specifically, you may:

  • Browse and read content for information purposes
  • Contact us through provided channels
  • Download materials for personal, non-commercial use
  • Share links to our content on social media

Prohibited Use

You must not use this website:

  • In any way that violates applicable laws or regulations
  • To transmit harmful code, viruses, or malicious software
  • To attempt unauthorized access to our systems or networks
  • To collect data through automated means without permission
  • To impersonate any person or entity
  • To harass, abuse, or harm others
  • For any commercial purpose without our written consent

Website Content

Information Accuracy

We strive to ensure that information on our website is accurate and up to date. However, we do not guarantee the completeness, accuracy, or reliability of any content. The information provided is for general guidance only and should not be relied upon as specific advice for your circumstances.

We reserve the right to modify, update, or remove content at any time without notice.

Not Financial Advice

Content on this website is for informational purposes and does not constitute financial advice or recommendations. Financial advice is only provided through formal client engagements after understanding your specific circumstances.

Do not make financial decisions based solely on website content. Always seek personalized advice from a qualified professional.

Intellectual Property Rights

All content on this website, including text, graphics, logos, images, and software, is the property of flame-tide or our licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content without our prior written permission.

Links to Other Websites

Our website may contain links to third-party websites for your convenience. We do not control these external sites and are not responsible for their content, privacy practices, or availability.

Inclusion of any link does not imply endorsement of the linked website or its content. You access third-party sites at your own risk.

Limitation of Liability

To the fullest extent permitted by law, flame-tide shall not be liable for any loss or damage arising from:

  • Use of or inability to use this website
  • Reliance on information provided on the website
  • Errors, omissions, or inaccuracies in website content
  • Unauthorized access to or alteration of your data
  • Interruption or cessation of website availability
  • Any other matter relating to this website

This includes, but is not limited to, direct, indirect, incidental, consequential, or punitive damages.

Nothing in these terms excludes or limits our liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded by law.

Website Availability

We aim to keep our website available continuously, but cannot guarantee uninterrupted access. The website may be temporarily unavailable due to:

  • Scheduled maintenance
  • Technical issues
  • Factors beyond our control

We will not be liable for any loss arising from website unavailability.

Security

While we implement reasonable security measures to protect our website, we cannot guarantee complete security. You are responsible for:

  • Maintaining the confidentiality of any account credentials
  • Ensuring your device and network security
  • Notifying us immediately of any unauthorized access

You acknowledge that internet transmission is never completely secure, and you use the website at your own risk.

Privacy and Data Protection

Our collection and use of personal information is governed by our Privacy Policy. By using this website, you consent to such processing in accordance with our privacy policy.

For information about your data protection rights under GDPR, please see our GDPR Information page.

Cookies

We use cookies on our website as described in our Cookies Policy. By continuing to use the website, you consent to our use of cookies in accordance with that policy.

Client Services Terms

These Terms of Use apply to website usage only. If you engage our professional services, separate terms and conditions will apply, which will be provided to you before any formal engagement begins.

Client service agreements will include:

  • Scope of services
  • Fee structure and payment terms
  • Professional responsibilities and obligations
  • Confidentiality provisions
  • Complaints and dispute resolution procedures

Regulatory Information

flame-tide is authorized and regulated by the Financial Conduct Authority. Our FCA registration number is 812456.

We are required to provide certain information to clients and comply with FCA rules regarding:

  • Professional indemnity insurance
  • Client money handling
  • Conflicts of interest
  • Fair treatment of customers
  • Complaints handling

You can verify our authorization on the FCA register at flame-tide.com.uk.

Complaints

If you have a complaint about our website or services, please contact us first so we can attempt to resolve the matter:

Email: [email protected]
Post: Complaints Department, flame-tide, 42 Castle Street, Liverpool, L2 7LQ

We will acknowledge your complaint within three business days and aim to resolve it within eight weeks.

If you are not satisfied with our response, you may be able to refer your complaint to the Financial Ombudsman Service:

Financial Ombudsman Service
Exchange Tower
London
E14 9SR
Telephone: 0800 023 4567
Website: flame-tide.com

Indemnity

You agree to indemnify and hold harmless flame-tide, its directors, employees, and agents from any claims, losses, damages, or expenses arising from:

  • Your use of the website
  • Your violation of these Terms of Use
  • Your violation of any rights of others
  • Your breach of applicable laws or regulations

Modifications to Terms

We may revise these Terms of Use at any time by updating this page. The revised terms will take effect when published. Continued use of the website after changes are posted constitutes acceptance of the modified terms.

We recommend reviewing these terms periodically to stay informed of any changes.

Severability

If any provision of these Terms of Use is found to be invalid or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full effect.

Waiver

Our failure to enforce any right or provision of these terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of flame-tide.

Entire Agreement

These Terms of Use, together with our Privacy Policy, Cookies Policy, and GDPR Information, constitute the entire agreement between you and flame-tide regarding use of this website.

Governing Law and Jurisdiction

These Terms of Use are governed by the laws of England and Wales. Any disputes arising from these terms or use of this website shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Contact Information

If you have questions about these Terms of Use, please contact us:

flame-tide
42 Castle Street
Liverpool
L2 7LQ
United Kingdom
Email: [email protected]

Accessibility

We are committed to making our website accessible to all users. If you experience difficulty accessing any part of our website, please contact us and we will work to provide the information in an alternative format.

Professional Standards

As financial services professionals, we adhere to high standards of conduct set by:

  • Financial Conduct Authority
  • Personal Finance Society
  • Chartered Institute of Taxation

We maintain professional indemnity insurance and comply with all applicable regulations governing financial advice and services.