Terms & Conditions

1. Acceptance of These Terms

These Terms and Conditions govern access to and use of Flod.uk.

By using the website, you agree to:

These Terms and Conditions
Our Privacy Policy
Our Disclaimer
Other notices displayed on the website

If you do not agree, discontinue your use of Flod.uk.

2. Website Purpose

Flod.uk publishes business, investment, market, economic, entrepreneurship, and financial educational content.

Unless expressly stated through a separate authorised service, Flod.uk does not provide personalised regulated financial services.

3. Eligibility

You may use Flod.uk only if you are legally permitted to do so.

Visitors who cannot legally enter into a binding agreement should use the website only with appropriate supervision.

4. Permitted Use

You may use Flod.uk for lawful personal, educational, and non-commercial purposes.

You may:

Read publicly available articles
Share links to pages
Quote limited portions with attribution
Contact us through authorised channels
Submit comments where available
Use publicly provided tools in accordance with their instructions

5. Prohibited Use

You must not:

Use the website unlawfully or fraudulently
Copy or republish substantial content without permission
Systematically scrape or extract website content
Circumvent technical restrictions
Attempt unauthorised access
Introduce malicious code
Interfere with website operation
Impersonate another person or organisation
Submit false or misleading information
Publish defamatory or abusive material
Promote investment scams
Manipulate markets
Publish unauthorised financial promotions
Collect personal information about other users
Misuse affiliate links or advertisements
Create a competing database from copied content
Present Flod.uk content as personalised financial advice
Misrepresent our opinions or conclusions

We may restrict access where misuse is suspected.

6. Intellectual Property

Unless otherwise stated, content published on Flod.uk is owned by, licensed to, or lawfully used by Flod.uk.

Protected materials may include:

Articles
Research
Reports
Charts
Graphics
Photographs
Videos
Branding
Logos
Website design
Databases
Newsletters
Downloads
Original calculations
Editorial frameworks

No ownership rights are transferred to visitors.

You may not reproduce, distribute, modify, sell, license, republish, or commercially exploit website content without prior written permission, except where permitted by law.

7. Sharing and Quotation

You may share links to public Flod.uk pages.

Limited quotation is permitted when:

The quotation is reasonably brief
Flod.uk is clearly credited
A link is provided where practical
The original meaning is not distorted
The use does not reproduce a substantial part of the content
The use complies with applicable law

8. User Submissions

Users may submit comments, messages, corrections, article ideas, or other material.

By submitting material, you confirm that:

You have the right to submit it
It does not infringe another party’s rights
It is not unlawful or defamatory
It does not contain malicious code
It does not contain unauthorised confidential information
Relevant commercial interests have been disclosed

You retain ownership of your original material.

Where material is submitted for publication, you grant Flod.uk a non-exclusive, worldwide, royalty-free licence to review, edit, format, reproduce, publish, display, distribute, and promote it in connection with the website.

We are not required to publish or retain submissions.

9. Comments and Community Conduct

We may remove comments containing:

Spam
Harassment
Threats
Discrimination
Hate speech
Defamation
Investment scams
Market manipulation
Unsupported guaranteed-return claims
Impersonation
Personal information
Unauthorised advertising
Malicious links
Illegal content

Moderation decisions may be made at our discretion.

10. Accuracy

We aim to publish useful and reasonably accurate information, but we do not guarantee that all content remains current.

Readers should independently verify:

Product terms
Prices
Interest rates
Fees
Tax rules
Laws
Regulations
Company information
Market data
Eligibility requirements
Provider status

11. Website Availability

We do not guarantee that Flod.uk will always be:

Available
Secure
Error-free
Uninterrupted
Compatible with every device
Free from harmful components

We may modify, restrict, suspend, or discontinue any part of the website without prior notice.

12. Third-Party Products and Services

Flod.uk may review, compare, mention, or link to third-party products and services.

We are not responsible for:

Product quality
Provider conduct
Application decisions
Account closures
Investment performance
Financial losses
Fees
Interest rates
Customer support
Data security
Regulatory compliance
Contractual disputes

Transactions are between the reader and the relevant third party.

13. Affiliate Links

Flod.uk may receive compensation when readers click links or complete qualifying actions.

Affiliate compensation may vary between providers.

Readers should not assume that every available product or provider has been included, reviewed, or compared.

14. Sponsored Content

Sponsored or paid content should be clearly identified where appropriate.

Sponsors may provide factual information about their products, but they do not automatically control independent editorial conclusions.

Flod.uk may refuse commercial arrangements that conflict with its editorial standards.

15. No Warranties

Flod.uk is provided on an “as is” and “as available” basis.

To the fullest extent permitted by law, we make no express or implied warranties regarding:

Accuracy
Completeness
Reliability
Availability
Security
Suitability
Non-infringement
Merchantability
Fitness for a particular purpose
Investment performance
Business results

Nothing in these terms excludes rights or warranties that cannot legally be excluded.

16. Limitation of Liability

To the fullest extent permitted by applicable law, Flod.uk and its owners, publishers, employees, writers, contributors, contractors, partners, and service providers will not be liable for losses resulting from:

Website use
Reliance on content
Investment or trading decisions
Business decisions
Financial-product applications
Tax or legal decisions
Third-party services
Website unavailability
Technical failures
Security incidents
Data loss
Lost revenue
Lost profit
Missed opportunities
Reputational damage

Where liability cannot legally be excluded, it will be limited to the minimum extent permitted by applicable law.

17. Indemnification

To the extent permitted by law, you agree to indemnify Flod.uk and its owners, publishers, contributors, contractors, and service providers against claims, liabilities, damages, and expenses arising from:

Your misuse of the website
Your violation of these terms
Your violation of another party’s rights
Unlawful content you submit
Fraudulent or harmful activity

18. Suspension and Termination

We may restrict or terminate access where a visitor:

Violates these terms
Threatens website security
Misuses content
Engages in unlawful activity
Submits fraudulent information
Infringes intellectual-property rights
Creates a risk for the website or its users

19. Copyright Complaints

A complaint should include:

Identification of the protected work
Identification of the disputed content
The relevant page address
Contact information
An explanation of the complaint
Evidence of ownership or authority

Send complaints to:

Copyright Email

20. Governing Law

These Terms and Conditions are governed by:

Jurisdiction: England and Wales

Disputes will be handled by courts or dispute-resolution bodies with appropriate jurisdiction, subject to mandatory legal rights.

21. Severability

If a provision is found invalid or unenforceable, the remaining provisions will continue to apply.

22. No Waiver

Failure to enforce a provision does not waive the right to enforce it later.

23. Changes to These Terms

We may update these Terms and Conditions periodically.

The latest version will be published with an updated effective date.

Continued use after an update constitutes acknowledgement of the revised terms.