By accessing or using the website www.finominal.com ("the website") operated by Factor Research Limited ("Finominal", "we", "us", "our"), you agree to be bound by these Terms and Conditions. If you do not agree, please do not access or use the website. We reserve the right to amend these Terms and Conditions at any time. Continued use of the website following any amendment constitutes your acceptance of the updated terms.
These Terms and Conditions should be read alongside our Privacy Policy and Cookie Policy.
The website and all content published on it are intended solely for professional and institutional investors. The website is not directed at retail investors. If you are a retail investor, you must not use this website. By continuing to access the website, you represent and warrant that you are a professional or institutional investor as defined under applicable law.
No warranties — The information and content provided on this website are provided on an "as is" basis. Finominal expressly disclaims all warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.
No financial advice — Nothing on this website constitutes investment advice, financial advice, trading advice, or any other form of advice. You should seek independent professional advice before making any investment decisions. Finominal is not responsible for any investment decisions made in reliance on content published on this website.
Third-party links — The website may contain links to third-party websites and services not operated by Finominal. We make no representation or warranty regarding such third-party websites or services and accept no responsibility for their content, privacy practices, or availability. A link to a third-party website does not constitute an endorsement.
MiFID II — Content published on this website falls outside the scope of MiFID II. We do not publish research on individual securities and do not offer investment research for sale on this platform.
To the fullest extent permitted by applicable law, Finominal and its affiliates, directors, employees, and representatives shall not be liable for any damages arising out of or in connection with your use of the website or reliance on any content, information, or materials published on it. This limitation applies to all damages of any kind, including direct, indirect, incidental, consequential, special, and punitive damages, loss of data, loss of income or profit, loss of or damage to property, and third-party claims. Your use of the website and any content or services linked to by the website is entirely at your own risk.
You agree that you will not:
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Use any automated software, script, application, or other tool to access, log on to, scrape, or extract content from the website without our prior written consent
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Share, transfer, or provide your account access credentials to any third party
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Use the Finominal name, logo, or trademarks without our prior written consent, except where required by applicable law or regulation
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Use the website for any unlawful purpose or in any manner that could damage, disable, or impair the website or interfere with other users' access
In delivering our products and services, we may engage sub-contractors and third-party service providers, including providers of artificial intelligence and large language model (LLM) tools. We take appropriate steps to ensure that such providers are subject to contractual obligations consistent with these Terms and Conditions and our Privacy Policy. Clients with specific requirements regarding third-party processing — including those operating in regulated industries such as wealth management — should contact us at info@finominal.com to discuss their requirements.
Paid subscriptions may be cancelled at any time. Cancellation will take effect at the end of the current billing cycle — no refunds will be issued for the remainder of the billing period in which cancellation is made. We reserve the right to amend subscription pricing at any time and will provide reasonable advance notice of any price changes. Continued use of the service following a price change constitutes acceptance of the new pricing.
All content, data, software, and materials on this website, except where clearly attributed to a third party, are the property of Finominal and are protected by applicable intellectual property laws. Nothing on this website grants you any licence or right to use our intellectual property without our prior written consent.
You may terminate your use of the website at any time by ceasing to access it and deleting any registered account. We reserve the right to suspend or terminate your account at our discretion, without notice or justification, including where we reasonably believe you have breached these Terms and Conditions.
We may update, modify, or discontinue any part of the website at any time without notice. We accept no liability for any loss or inconvenience arising from such changes.
These Terms and Conditions are governed by the laws of England and Wales. Any disputes arising out of or in connection with these Terms and Conditions or your use of the website shall be subject to the exclusive jurisdiction of the courts of England and Wales.
For any questions regarding these Terms and Conditions, please contact us at info@finominal.com.