Terms of Service & Disclaimer 

Terms & Conditions – ChoiFinance

Last Updated: 11/08/2025

These Terms & Conditions (“Terms”) govern your access to and use of ChoiFinance (“we”, “our”, “us”) and all related content, features, and services provided through our website (the “Services”). By using our Services, you agree to comply with these Terms. If you do not agree, you must not use the Services.

1. About Us

ChoiFinance is an informational website operated and maintained by its founder. The website is hosted and technically operated by Google Sites, but all content and editorial control belong to the founder.

2. No Financial Advice – Read Carefully

The information provided on ChoiFinance is for general informational and educational purposes only. It does not constitute financial, investment, legal, or tax advice. You should not treat any content on this website as a recommendation to make any particular investment or financial decision.

You acknowledge and agree that:

• We are not authorised by the UK Financial Conduct Authority (FCA) or any equivalent regulator.
  
  

• All investments carry risks, and past performance is not indicative of future results.
  
  

• You are solely responsible for conducting your own independent research and/or consulting a qualified professional before making any financial decisions.
  
  

• We accept no liability for any loss or damage arising from your reliance on our content.

• No Inducement: The content is not an invitation to engage in any investment activity. This Site is not a financial promotion and has not been approved by an authorised person under the UK's Financial Services and Markets Act 2000. 

• Google Terms of Service This Site is created and hosted using Google Sites. As such, your access to and use of the Services is also subject to the Google Terms of Service. You are responsible for complying with Google's terms in addition to mine. 

3. Eligibility to Use the Services

You must be at least 18 years old to use our Services. If you are under 18, you may only use the Services under the supervision of a parent or guardian who agrees to be bound by these Terms.

4. International Users

Our Services are controlled and operated from the United Kingdom. We make no representation that the Services are appropriate or available for use in other jurisdictions.
If you access the Services from outside the UK:

• You are responsible for ensuring that your use complies with all local laws and regulations.
  
  

• You acknowledge that some content or services may not be legal or permitted in your jurisdiction.
  
  

• You agree that UK law will govern your use of the Services, regardless of conflicting local laws, unless prohibited by mandatory local regulations.
  
  

5. Intellectual Property Rights

All content, trademarks, logos, designs, graphics, text, images, videos, and other materials on ChoiFinance are owned by or licensed to us, unless otherwise stated.
You must not:

• Copy, reproduce, republish, distribute, transmit, or modify any content without our prior written consent.
  
  

• Use our trademarks, branding, or name (“ChoiFinance”) without permission.
  Any unauthorised use may result in legal action.
  
  

6. Permitted Use

You may use our Services for personal, non-commercial purposes only, in accordance with these Terms.

7. Prohibited Activities

You agree not to:

1. Violate any applicable laws or regulations.
   
   

2. Infringe the rights of any other person, including intellectual property rights.
   
   

3. Use the Services to transmit spam, malicious software, or harmful code.
   
   

4. Attempt to gain unauthorised access to the Services or related systems.
   
   

5. Impersonate another person or misrepresent your affiliation.
   
   

6. Harvest or collect personal data without consent.
   
   

7. Interfere with the proper functioning or security of the Services.
   
   

8. Use automated systems (bots, scrapers, crawlers) without written consent.
   
   

9. Publish false, defamatory, or misleading information.

10. Systematically retrieve data from the Services to create a collection or database without my written permission.

11. Use the Services to harass, abuse, or harm another person, including me.

12. Interfere with the security features of the Services.

13. Engage in unauthorised framing of or linking to the Services.

14. Upload viruses or other malicious material.

15. Engage in any automated use of the system, like data mining or scraping.

16. Delete the copyright notice from any Content.

17. Attempt to impersonate another user.

18. Interfere with or disrupt the Services or networks connected to them.

19. Use the Services to compete with me or for any commercial enterprise.

20. Use the Site to provide financial advice to others.
    
    

8. User-Generated Content

If you submit any content to us (e.g., comments, suggestions), you grant us a non-exclusive, worldwide, royalty-free licence to use, reproduce, adapt, publish, and distribute that content in connection with our Services.
You warrant that your submitted content:

• Does not infringe any third-party rights.
  
  

• Is lawful and appropriate for public viewing.
  
  

We may remove any content at our discretion.

9. Service Availability & Changes

We may modify, suspend, or discontinue any part of the Services at any time without notice.
We are not liable for:

• Any downtime, interruptions, or loss of access.
  
  

• Changes to features, layout, or functionality.
  
  

10. Privacy & Data Protection

I take your privacy seriously. This policy explains what personal data I collect and how I use it. Read more here

Data Controller: I, operating as ChoiFinance, am the data controller for any personal information processed through this Site.

What I Collect: The only personal information I collect is what you voluntarily provide to me. This happens if you contact me directly by email at andy@choifinance.com. The data collected would be your email address and any other information you include in your message.

Lawful Basis for Processing: My lawful basis for processing this data is 'legitimate interests' – specifically, to read and respond to your queries and feedback.

Data Hosting: This Site is hosted by Google. Google may collect technical information (like your IP address) as a data processor, subject to their own Privacy Policy. I do not have access to or control over this information.

Data Retention: I will only retain your personal information for as long as necessary to fulfil the purpose it was collected for (e.g., to resolve your query).

Your Rights: Under UK data protection law, you have rights including:

• • Your right of access - You have the right to ask me for copies of your personal information.

  • Your right to rectification - You have the right to ask me to correct information you think is inaccurate.

  • Your right to erasure - You have the right to ask me to erase your personal information in certain circumstances.

To exercise any of these rights, please contact me at andy@choifinance.com. 

11. Third-Party Links & Content

Our Services may contain links to third-party websites. We are not responsible for the content, accuracy, or policies of any third-party sites. You access them at your own risk.

12. Limitation of Liability

• THE SERVICES ARE PROVIDED ON AN 'AS-IS' AND 'AS-AVAILABLE' BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, I DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. I MAKE NO WARRANTIES ABOUT THE ACCURACY OR COMPLETENESS OF THE SITE'S CONTENT.
  
  

13. Indemnification

You agree to indemnify and hold harmless ChoiFinance, its founder, and affiliates from any claims, liabilities, damages, losses, and expenses (including legal fees) arising from:

• Your use or misuse of the Services.
  
  

• Your breach of these Terms.
  
  

• Your violation of any law or third-party rights.
  
  

14. Termination

We may terminate or suspend your access to the Services at any time without notice if we believe you have breached these Terms.

15. Changes to These Terms

We may update these Terms from time to time. The latest version will always be posted on this page, with the “Last Updated” date shown at the top. Continued use after changes indicates your acceptance of the new Terms.

16. Governing Law & Jurisdiction

These Terms are governed by the laws of England and Wales.
The courts of England and Wales have exclusive jurisdiction over any disputes arising out of or relating to these Terms or the Services, except where prohibited by mandatory local law.

17. Final Notice

All content and materials provided on the ChoiFinance website are subject to the following conditions. Your use of the site signifies your agreement to these terms.

• For Educational Purposes Only: Everything on this website is provided for informational and educational purposes. It should not be considered a complete or comprehensive source of information.

• Not Financial Advice: The content is not financial, investment, legal, tax, or any other form of professional advice. You must not rely on it as a substitute for seeking advice from a qualified and regulated professional.

• No Client Relationship: Your use of this site does not create a professional, advisory, or client relationship of any kind.

• Use at Your Own Risk: All investment activities involve substantial risk. You are solely responsible for all your investment decisions and any resulting losses. The website and its content are provided on an 'as-is' and 'as-available' basis.

Requirement to Follow Google's Terms of Service

This website is created and hosted using Google Sites.

As a condition of using this website, you are also required to comply with the Google Terms of Service. Your access to this site is conditional upon your acceptance of and adherence to their policies. It is your responsibility to be aware of and follow Google's terms in addition to the disclaimers on this page.

18. Contact Us

If you have any questions about these Terms, you can contact us via the website’s contact page.