Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User" or "you") and Iris Trail Limited ("Company," "we," "our," or "us") regarding your use of our website iris-trail.com and related services.

By accessing or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use our services.

2. Company Information

Iris Trail Limited
Registered in England and Wales
Company Number: 12345678
Registered Office: 25 Canary Wharf, London E14 5AB, United Kingdom
FCA Registration Number: 987654321

3. Description of Services

Iris Trail provides investment education and market analysis services, including:

• Online investment education courses
• Market analysis and research reports
• Portfolio review services
• One-on-one investment mentoring
• Educational content and resources
• Newsletter and communication services

4. Educational Nature of Services

IMPORTANT: Our services are educational in nature and should not be construed as financial advice. We provide general information and educational content about investing and financial markets. You should:

• Conduct your own research before making investment decisions
• Consult with qualified financial advisors for personalized advice
• Consider your individual financial situation and risk tolerance
• Understand that all investments carry risk and may result in losses

5. User Accounts and Registration

5.1 Account Creation

To access certain services, you may need to create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your account information
• Keep your login credentials secure and confidential
• Notify us immediately of any unauthorized access

5.2 Eligibility

You must be at least 18 years old to use our services. By using our services, you represent and warrant that you meet this age requirement.

5.3 Account Responsibility

You are responsible for all activity that occurs under your account, whether authorized by you or not.

6. Payment and Billing

6.1 Course Fees

Course fees are clearly displayed on our website. All prices are in British Pounds (GBP) and include applicable VAT where required.

6.2 Payment Processing

We use secure third-party payment processors. By providing payment information, you authorize us to charge the applicable fees for your selected services.

6.3 Refund Policy

We offer a 30-day money-back guarantee on all courses. Refund requests must be made within 30 days of purchase. Refunds are processed to the original payment method within 5-10 business days.

6.4 Subscription Services

Some services are offered on a subscription basis. Subscriptions automatically renew unless cancelled before the renewal date. You may cancel subscriptions through your account settings or by contacting us.

7. Intellectual Property Rights

7.1 Our Content

All content on our website and in our courses, including text, graphics, logos, images, videos, and software, is the property of Iris Trail Limited and is protected by copyright, trademark, and other intellectual property laws.

7.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our content for personal educational purposes only. You may not:

• Reproduce, distribute, or publicly display our content
• Create derivative works from our content
• Use our content for commercial purposes
• Share your account access with others

7.3 User Content

You retain ownership of any content you submit to us (e.g., feedback, questions). By submitting content, you grant us a worldwide, royalty-free license to use, reproduce, and distribute such content in connection with our services.

8. Prohibited Uses

You agree not to use our services to:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Transmit harmful, threatening, or offensive content
• Impersonate any person or entity
• Interfere with the security or functionality of our services
• Use automated systems to access our content
• Attempt to gain unauthorized access to our systems
• Use our services for illegal or fraudulent activities

9. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

10. Disclaimers and Limitation of Liability

10.1 No Investment Advice

Our services are for educational purposes only and do not constitute investment advice. We do not recommend specific investments or guarantee investment returns. Past performance does not indicate future results.

10.2 Service Availability

We strive to maintain service availability but cannot guarantee uninterrupted access. Services may be temporarily unavailable due to maintenance, updates, or technical issues.

10.3 Limitation of Liability

To the maximum extent permitted by law, Iris Trail Limited shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use, incurred by you or any third party.

10.4 Maximum Liability

Our total liability to you for any claims arising from or related to these Terms or our services shall not exceed the amount you paid for the specific service that gave rise to the claim.

11. Indemnification

You agree to indemnify, defend, and hold harmless Iris Trail Limited, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising from your use of our services or violation of these Terms.

12. Termination

12.1 Termination by You

You may terminate your account at any time by contacting us or using account settings. Upon termination, your access to paid services will continue until the end of your billing period.

12.2 Termination by Us

We may suspend or terminate your account if you violate these Terms or engage in conduct that we deem harmful to our services or other users.

12.3 Effect of Termination

Upon termination, your right to use our services will cease immediately. Provisions that by their nature should survive termination will remain in effect.

13. Regulatory Compliance

13.1 FCA Authorization

Iris Trail Limited is authorized and regulated by the Financial Conduct Authority (FCA). Our services comply with applicable UK financial services regulations.

13.2 Educational Services

Our educational services are provided under the FCA's guidance on financial education and do not constitute regulated investment advice.

13.3 Complaints Procedure

If you have a complaint about our services, please contact us at [email protected]. We will investigate your complaint promptly and fairly. If you are not satisfied with our response, you may refer your complaint to the Financial Ombudsman Service.

14. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these Terms or our services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

15. Changes to Terms

We may modify these Terms at any time by posting the updated version on our website. Your continued use of our services after such modifications constitutes acceptance of the updated Terms. We will notify you of material changes via email or prominent website notice.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Iris Trail Limited regarding our services and supersede all prior and contemporaneous agreements and understandings.

18. Contact Information

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