Terms of Use

Last updated: 15 April 2026

Welcome to the metal-folio website. These Terms of Use govern your access to and use of our website and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website.

About Us

This website is operated by metal-folio Financial Services Ltd, a company registered in England and Wales (Company Number: 10847523). Our registered office is located at 47 Victoria Street, Birmingham, B1 3PE, United Kingdom.

Acceptance of Terms

By accessing and using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use, together with our Privacy Policy and Cookies Policy. If you are using our website on behalf of an organisation, you are agreeing to these Terms on behalf of that organisation and confirming that you have the authority to do so.

Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website following any changes indicates your acceptance of the modified Terms. We encourage you to review these Terms periodically.

Use of Website

You may use our website for lawful purposes only. You agree not to:

  • Use the website in any way that violates applicable local, national, or international law or regulation
  • Use the website in any way that is fraudulent or has any fraudulent purpose or effect
  • Transmit or procure the sending of any unsolicited or unauthorised advertising or promotional material
  • Knowingly transmit any data or material that contains viruses, Trojan horses, worms, or any other harmful programs
  • Attempt to gain unauthorised access to any part of our website, the server on which our website is stored, or any connected database
  • Attack our website via a denial-of-service attack or a distributed denial-of-service attack
  • Use any robot, spider, or other automatic device to access our website for any purpose

Nature of Our Services

metal-folio provides financial guidance, education, and strategy support services. It is important that you understand the following:

  • Our services constitute financial guidance and education, not regulated financial advice
  • We are not authorised by the Financial Conduct Authority (FCA) to provide regulated financial advice
  • For regulated financial advice on specific products such as pensions, investments, or insurance, we may refer you to appropriately authorised professionals
  • The information on this website is for general information purposes and should not be relied upon as specific advice for your individual circumstances

Disclaimer of Warranties

The information and materials contained on this website are provided "as is" without any warranties of any kind, either express or implied. We do not warrant that:

  • The website will be available uninterrupted or error-free
  • Defects will be corrected
  • The website or the server that makes it available is free of viruses or other harmful components
  • The information on the website is complete, accurate, or up-to-date

While we strive to keep the information on our website accurate and current, we make no representations or warranties about the completeness, reliability, or suitability of the information for any particular purpose.

Limitation of Liability

To the fullest extent permitted by law, metal-folio Financial Services Ltd shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of, or inability to use, this website.

This includes, without limitation:

  • Loss of profits, revenue, or anticipated savings
  • Loss of business or business opportunity
  • Loss of data or corruption of data
  • Loss of goodwill or reputation
  • Any indirect or consequential loss

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

Financial Information Disclaimer

The content on this website is provided for general information purposes only. It does not constitute financial advice and should not be relied upon as such. Any financial information, estimates, projections, or examples are illustrative only and may not reflect your personal circumstances.

Before making any financial decisions, you should:

  • Seek independent advice tailored to your specific circumstances
  • Consider your own financial situation, needs, and objectives
  • Conduct your own research and due diligence

Past performance is not a reliable indicator of future results. The value of investments can go down as well as up, and you may receive back less than you invest.

Intellectual Property

All content on this website, including but not limited to text, graphics, logos, icons, images, and software, is the property of metal-folio Financial Services Ltd or its content suppliers and is protected by United Kingdom and international copyright, trademark, and other intellectual property laws.

You may not:

  • Reproduce, duplicate, copy, sell, resell, or exploit any portion of this website without our express written permission
  • Use our name, logo, or trademarks without prior written consent
  • Modify, adapt, or create derivative works based on any part of our website
  • Frame or mirror any part of this website without our express written consent

You may print or download content from our website for your personal, non-commercial use, provided you keep intact all copyright and other proprietary notices.

Links to Third-Party Websites

Our website may contain links to third-party websites that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites.

The inclusion of any link does not imply endorsement, approval, or recommendation by us. We strongly advise you to read the terms and privacy policies of any third-party websites you visit.

User Submissions

If you submit any content to us, including but not limited to feedback, questions, or suggestions, you grant us a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, and distribute such content worldwide in any media.

You represent and warrant that you own or control all rights to any content you submit and that such content does not violate these Terms or infringe any rights of any third party.

Indemnification

You agree to indemnify, defend, and hold harmless metal-folio Financial Services Ltd, its directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising out of or relating to your use of the website, your violation of these Terms, or your violation of any rights of another party.

Service Agreements

These Terms of Use govern your use of our website. If you engage our services, separate terms and conditions specific to those services will apply. Such service-specific terms will be provided to you before you enter into any service agreement with us.

Termination

We reserve the right to terminate or suspend your access to our website immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms.

Upon termination, your right to use the website will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision will be modified to the minimum extent necessary to make it valid and enforceable.

Waiver

No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term. Our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

Entire Agreement

These Terms, together with our Privacy Policy and Cookies Policy, constitute the entire agreement between you and metal-folio Financial Services Ltd regarding your use of the website and supersede all prior and contemporaneous agreements, representations, and understandings.

Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising out of or relating to these Terms or your use of the website shall be subject to the exclusive jurisdiction of the courts of England and Wales.

If you are a consumer resident in another part of the United Kingdom, you may also bring proceedings in your local courts.

Contact Information

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

metal-folio Financial Services Ltd
47 Victoria Street
Birmingham, B1 3PE
United Kingdom
Email: [email protected]