1. Introduction

These Terms of Service (“Terms”) govern your use of the website at emcredit.uk (“Website”) operated by EM Credit Financial & Management Ltd. (“EM Credit”, “we”, “us”, “our”), a company registered in England and Wales (Company No. 11234567), with its registered office at A11 2 Alexandra Gate, Cardiff, CF24 2SA, United Kingdom.

By accessing or using this Website, you agree to be bound by these Terms. If you do not agree, please do not use this Website.

2. Nature of Information

This Website is provided for general informational purposes only. Nothing on this Website constitutes, or is intended to constitute:

Financial, investment, or trading advice
An offer, solicitation, or recommendation to buy or sell any commodity, product, or financial instrument
Legal, tax, or accounting advice
A prospectus or offering memorandum

Commodity trading involves significant risk, including the potential for substantial financial loss. Past performance is not indicative of future results. You should seek independent professional advice before entering into any trading transaction.

3. Eligibility

This Website and our services are directed at business professionals, institutional counterparties, and corporate entities engaged in commodity trading. By using this Website and submitting inquiries, you represent that:

You are acting in a professional or commercial capacity
You are at least 18 years of age
You have the legal capacity and authority to enter into binding agreements on behalf of yourself or the entity you represent
You are not subject to any sanctions, restrictions, or prohibitions that would prevent you from engaging in commodity trading

4. Inquiries and Communications

When you submit an inquiry through our contact form, you understand and agree that:

Submission of an inquiry does not create a contractual relationship or any obligation on EM Credit to enter into a transaction
All information you provide must be accurate, complete, and not misleading
We may use the information you provide to assess your inquiry and respond appropriately
Any subsequent transactions will be governed by separate, individually negotiated agreements
We reserve the right to decline any inquiry at our sole discretion

5. Document Access

Certain documents on this Website are protected and require a PIN for access. By requesting and using a PIN, you agree that:

Documents are provided for your internal evaluation purposes only
You will not distribute, reproduce, or share the documents or the PIN with unauthorised third parties
The documents remain the property of EM Credit and are protected by copyright and intellectual property laws
PINs are time-limited and may be revoked at any time without notice

6. Intellectual Property

All content on this Website — including but not limited to text, graphics, logos, images, videos, data compilations, and software — is the property of EM Credit or our licensors and is protected by United Kingdom and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, or publicly display any content from this Website without our prior written consent.

7. Disclaimer of Warranties

To the fullest extent permitted by law:

This Website and its content are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied
We do not warrant that the Website will be uninterrupted, secure, error-free, or free from viruses
We do not warrant the accuracy, completeness, or timeliness of any information, pricing, or market data presented on this Website
Commodity prices, market conditions, and trading terms are subject to change without notice and may differ from those displayed on this Website

8. Limitation of Liability

To the maximum extent permitted by applicable law, EM Credit, its directors, officers, employees, and affiliates shall not be liable for:

Any indirect, incidental, special, consequential, or punitive damages
Any loss of profits, revenue, data, or business opportunities
Any losses arising from your use of or reliance on information presented on this Website
Any damages arising from the actions of third parties, including but not limited to service providers, counterparties, or regulatory authorities

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation.

9. Third-Party Links

This Website may contain links to third-party websites or services. These links are provided for convenience only and do not imply endorsement. EM Credit is not responsible for the content, accuracy, or practices of any third-party websites.

10. Acceptable Use

You agree not to:

Use the Website for any unlawful purpose or in violation of any applicable laws or regulations
Attempt to gain unauthorised access to any part of the Website, its servers, or any connected systems
Submit false, misleading, or fraudulent information through any form on this Website
Use automated systems, bots, or scripts to access or interact with the Website in a manner that could disable, overburden, or impair its functionality
Circumvent or attempt to circumvent any security measures, including rate limiting and bot protection

11. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

12. Amendments

We reserve the right to modify these Terms at any time. Changes will take effect upon posting the revised Terms on this Website, with the updated “Last updated” date. Your continued use of the Website after changes are posted constitutes acceptance of the revised Terms.

13. Contact

For questions regarding these Terms of Service, please contact us:

Email: trading@emcredit.uk
Address: EM Credit Financial & Management Ltd., A11 2 Alexandra Gate, Cardiff, CF24 2SA, United Kingdom