Terms of Service
Effective Date:
[EFFECTIVE DATE]
Last Updated:
[LAST UPDATED DATE]
These Terms of Service (“Terms”) govern your access to and use of the website located at https://sndtgroup.com/ (the “Website”) and any financial consulting, informational, analytical, communication or related services provided through the Website (collectively, the “Services”).
The Website and Services are operated by [FULL LEGAL COMPANY NAME] , trading as Standard Group, a company incorporated under the laws of [COUNTRY/JURISDICTION] , with its registered office at [REGISTERED ADDRESS] (“Standard Group,” “Company,” “we,” “us” or “our”).
By accessing the Website, submitting a form, requesting a consultation, communicating with us or using any part of the Services, you confirm that you have read, understood and agreed to these Terms.
If you do not agree with these Terms, you must not use the Website or Services.
1. Eligibility
You may use the Website and Services only if:
- You are at least 18 years old or have reached the legal age of majority in your jurisdiction.
- You have the legal capacity to enter into a binding agreement.
- Your use of the Website and Services is lawful in your country of residence.
- You are not prohibited from using the Services under any applicable law, regulation, sanction or restriction.
The Services are not directed at residents of jurisdictions where their provision or use would be unlawful.
2. Our Services
Standard Group provides financial consulting and related informational services, which may include:
- General financial education.
- Market-related information and commentary.
- Analysis of publicly available information.
- Assistance in comparing brokers, platforms, products or service providers.
- General explanations of trading concepts and financial markets.
- Consultations regarding financial objectives and available options.
- Communication and administrative support.
- Introductions or referrals to independent third-party providers.
- Other services agreed between Standard Group and a client.
The precise scope of any paid or personalised Service may be described in a separate proposal, engagement letter, service agreement, invoice or written confirmation.
If there is a conflict between these Terms and a separately signed written agreement, the separately signed agreement will apply to the extent of that conflict.
3. General Information Only
Unless expressly agreed otherwise in writing and permitted under applicable law, information provided through the Website or Services is general in nature.
Website content does not take into account your complete financial situation, investment objectives, knowledge, experience, risk tolerance, tax position or personal circumstances.
Nothing on the Website should be treated as:
- A guarantee of financial performance.
- A promise of profit.
- An assurance that losses will not occur.
- Legal, tax, accounting or insurance advice.
- An offer to sell or solicitation to purchase a financial instrument.
- An instruction to execute a particular transaction.
- A substitute for independent professional advice.
You should independently evaluate any information before making a financial decision.
4. Regulatory Status
Standard Group is a financial consulting and informational services provider.
Unless explicitly stated otherwise in a separate written agreement, Standard Group is not a bank, broker, securities exchange, custodian, payment institution, investment fund or trading platform.
Standard Group does not:
- Hold or control client funds.
- Maintain trading accounts.
- Execute transactions on behalf of clients.
- Provide brokerage services.
- Provide discretionary portfolio management.
- Act as a custodian.
- Provide regulated investment advice unless expressly authorised to do so.
- Accept orders to purchase or sell financial instruments.
Regulatory authority: [REGULATORY AUTHORITY OR NOT APPLICABLE]
Registration or licence number: [REGISTRATION OR LICENCE NUMBER OR NOT APPLICABLE]
5. Financial and Trading Risks
Financial markets, trading products, leveraged products, contracts for difference, foreign exchange, cryptocurrencies, securities and other financial instruments may involve a substantial risk of loss.
Market prices can change rapidly and may be affected by economic conditions, political events, liquidity, volatility, technology failures, regulatory developments and other factors beyond our control.
You may lose some or all of the money committed to a financial product or transaction. Leveraged products may result in losses occurring more rapidly than expected.
Past performance, historical data, projections, examples, simulations, forecasts and hypothetical results are not reliable indicators of future performance.
You are solely responsible for deciding whether a financial product, provider, platform or transaction is appropriate for you.
Before making a decision, you should consider obtaining advice from an appropriately qualified and, where required, licensed professional.
6. No Guarantee of Results
Standard Group does not guarantee:
- Profits, returns, savings, income or financial success.
- The accuracy of predictions or forecasts.
- Uninterrupted market access.
- The suitability or continued availability of a broker or provider.
- Approval of an account application.
- The execution or profitability of any financial transaction.
- The recovery of funds from a third party.
- Any specific outcome arising from the Services.
Testimonials, illustrations, examples and case studies describe individual experiences or hypothetical situations. They do not represent a promise that another user will achieve the same or similar results.
7. Independent Third-Party Providers
The Website or Services may refer you to or provide information about independent third parties, including brokers, trading platforms, banks, payment providers, technology companies, data providers or other financial service providers.
These third parties are independent from Standard Group unless expressly stated otherwise.
Standard Group does not control and is not responsible for:
- A third party’s services, actions, omissions, pricing or policies.
- Account acceptance or rejection.
- Deposits, withdrawals, transaction execution or account restrictions.
- The security or availability of a third-party platform.
- The accuracy of information supplied by a third party.
- Financial loss caused by a third party.
- Changes to a third party’s regulatory or commercial status.
- A third party’s compliance with applicable law.
You must review the third party’s own legal documents, risk disclosures, fees, regulatory information and privacy policy before using its services.
8. Commercial Relationships and Referrals
Standard Group may receive a fee, commission, referral payment, marketing payment or other benefit from a third party when a user requests information, follows a link, opens an account, purchases a product or uses a third-party service.
Where required by applicable law, material commercial relationships will be disclosed.
The existence of a commercial relationship does not remove your responsibility to conduct your own assessment of the relevant provider.
9. Information Provided by You
You agree to provide accurate, current and complete information when contacting us or using the Services.
You must not:
- Impersonate another person.
- Provide false or misleading information.
- Submit information you are not authorised to provide.
- Conceal information that is material to the requested Service.
- Use another person’s contact details without permission.
- Submit unlawful, abusive, fraudulent or harmful content.
We may rely on the information you provide. We are not responsible for consequences resulting from incomplete, outdated, false or misleading information supplied by you.
You must not send passwords, private keys, access codes, complete payment-card details or trading-account credentials through general Website forms or unsecured email.
10. Consultations and Communications
Submitting a Website form does not automatically create a client relationship.
A client relationship begins only when Standard Group confirms acceptance of an engagement or begins providing an agreed Service.
You authorise us to contact you using the contact information you provide, including by email, telephone, messaging service or another agreed communication channel.
Telephone calls or online meetings may be recorded only where permitted by law and after any notice or consent required by applicable law has been provided.
11. Fees and Payment
Fees for paid Services will be disclosed before the relevant Service is provided or set out in a separate written agreement.
Unless otherwise agreed:
- Fees are stated in [CURRENCY].
- Applicable taxes may be added.
- Payment must be made using an approved payment method.
- The client is responsible for bank, payment-provider, conversion or transaction charges.
- Services may be suspended if an amount remains unpaid.
Standard Group does not request payment into a personal bank account, cryptocurrency wallet or trading account unless that payment method has been formally confirmed through an authorised Company communication channel.
12. Cancellations and Refunds
The following cancellation policy applies unless a separate agreement states otherwise:
- A consultation may be rescheduled or cancelled by giving at least [NUMBER OF HOURS] hours’ notice.
- Late cancellations or missed appointments may be charged in full.
- Completed consultations and Services already performed are non-refundable, except where required by law.
- Refund requests must be submitted to [BILLING EMAIL] within [NUMBER OF DAYS] days of the relevant payment.
- Approved refunds will normally be returned using the original payment method.
Nothing in this section limits any mandatory consumer rights that apply in your jurisdiction.
13. Acceptable Use
You must not use the Website or Services to:
- Violate any law or regulation.
- Commit or facilitate fraud.
- Launder money or finance unlawful activity.
- Infringe intellectual property or privacy rights.
- Distribute malware or harmful code.
- Interfere with Website security or operation.
- Gain unauthorised access to systems or accounts.
- Scrape, copy, harvest or extract Website content using automated means without permission.
- Send unsolicited or abusive communications.
- Misrepresent your relationship with Standard Group.
- Reproduce or resell the Services without permission.
- Use the Services in a manner that could harm Standard Group, its clients or third parties.
We may restrict or terminate access where we reasonably believe these Terms have been violated.
14. Intellectual Property
The Website and its content, including text, graphics, logos, icons, design elements, reports, analyses, documents, software, layouts and branding, are owned by or licensed to Standard Group and are protected by applicable intellectual property laws.
We grant you a limited, revocable, non-exclusive and non-transferable licence to access and use the Website for lawful personal or internal business purposes.
You may not, without prior written permission:
- Reproduce or republish substantial Website content.
- Sell, license or commercially exploit Website materials.
- Remove copyright, trademark or ownership notices.
- Create derivative works from proprietary materials.
- Use our name or branding in a misleading manner.
- Imply endorsement, partnership or affiliation with Standard Group.
15. User Materials
If you send us feedback, documents, comments or other materials, you confirm that:
- You have the right to provide them.
- Their use by us will not violate another person’s rights.
- They do not contain unlawful or malicious content.
You retain ownership of your materials.
You grant Standard Group a limited right to store, review, reproduce and use those materials to provide the Services, meet legal obligations, protect our rights and improve our operations.
16. Confidentiality
Where you provide confidential information in connection with a consultation, we will take reasonable steps to protect it and use it only for legitimate business, service, compliance or legal purposes.
Confidentiality obligations do not apply to information that:
- Is publicly available through no breach by Standard Group.
- Was lawfully known to us before disclosure.
- Is received lawfully from another source.
- Is independently developed.
- Must be disclosed under law, regulation, court order or regulatory request.
- Must be disclosed to professional advisers or service providers subject to appropriate confidentiality obligations.
Our handling of personal information is described in the Privacy Policy.
17. Website Availability
We aim to keep the Website reasonably available but do not guarantee uninterrupted or error-free access.
We may modify, suspend, restrict or discontinue any part of the Website or Services for maintenance, security, operational, legal or commercial reasons.
We are not responsible for failures caused by:
- Internet or telecommunications outages.
- Hosting or infrastructure providers.
- Cyberattacks.
- Third-party services.
- Equipment or software failures.
- Force majeure events.
- Circumstances outside our reasonable control.
18. Accuracy of Information
We take reasonable steps to provide useful and current information, but financial, market, legal, regulatory and third-party information may change without notice.
We do not warrant that Website content is complete, accurate, current or suitable for every purpose.
Any market data displayed on the Website may be delayed, indicative, supplied by third parties or subject to technical limitations. It should not be used as the sole basis for executing a transaction.
19. Disclaimer of Warranties
To the maximum extent permitted by law, the Website and Services are provided on an “as is” and “as available” basis.
Standard Group disclaims all warranties, representations and conditions not expressly set out in these Terms, including implied warranties of merchantability, fitness for a particular purpose, accuracy, availability and non-infringement.
Nothing in these Terms excludes a warranty or right that cannot lawfully be excluded.
20. Limitation of Liability
To the maximum extent permitted by applicable law, Standard Group and its directors, officers, employees, contractors and affiliates will not be liable for:
- Indirect, incidental, special, punitive or consequential loss.
- Loss of profit, revenue, opportunity, business, goodwill or data.
- Trading or investment losses.
- Losses arising from market movements.
- Actions taken by a broker or other third party.
- Decisions made in reliance on Website content.
- Unauthorised access caused by circumstances outside our reasonable control.
- Interruption or unavailability of the Website.
Where liability cannot be excluded, Standard Group’s aggregate liability arising from a paid Service will not exceed the amount paid by you to Standard Group for that Service during the [SIX OR TWELVE MONTHS] preceding the event giving rise to the claim.
This limitation does not apply to fraud, fraudulent misrepresentation, deliberate misconduct, death or personal injury caused by negligence, or any liability that cannot lawfully be limited.
21. Indemnification
To the extent permitted by law, you agree to indemnify and hold Standard Group harmless from claims, liabilities, damages and reasonable costs arising from:
- Your unlawful use of the Website or Services.
- Your violation of these Terms.
- Information or materials submitted by you.
- Your infringement of another person’s rights.
- Fraud, misconduct or unauthorised activity carried out through your account or contact information.
22. Suspension and Termination
We may suspend or terminate your access to the Website or Services if:
- You violate these Terms.
- You fail to pay an amount when due.
- Your conduct creates legal, security, reputational or operational risk.
- We are required to do so by law or a competent authority.
- We discontinue the relevant Service.
Sections intended by their nature to survive termination will remain effective, including provisions concerning intellectual property, disclaimers, liability, confidentiality, indemnification and disputes.
23. Governing Law
These Terms are governed by the laws of [GOVERNING JURISDICTION] , without regard to conflict-of-law principles.
The courts of [CITY/COUNTRY] will have exclusive jurisdiction over disputes arising from these Terms, except where mandatory consumer law gives you the right to bring a claim in another jurisdiction.
24. Dispute Resolution
Before starting formal proceedings, you agree to contact us at [LEGAL EMAIL] and provide reasonable details of the dispute.
The parties will attempt in good faith to resolve the matter within [30 DAYS] .
25. Changes to These Terms
We may update these Terms to reflect changes to our Services, business practices, technology or legal obligations.
The updated version will be published on the Website with a revised “Last Updated” date.
Where legally required, we will provide additional notice or request renewed consent.
Your continued use of the Website after an update takes effect constitutes acceptance of the revised Terms, except where applicable law requires another form of acceptance.
26. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in effect.
The invalid or unenforceable provision will be interpreted or modified to the minimum extent necessary to make it valid and enforceable.
27. No Waiver
A failure or delay by Standard Group to enforce a provision of these Terms does not waive its right to enforce that provision later.
28. Entire Agreement
These Terms, the Privacy Policy, any applicable risk disclosure and any separate written service agreement constitute the entire agreement relating to your use of the Website and Services.
29. Contact Information
Questions regarding these Terms may be sent to:
Legal company name:
[FULL LEGAL COMPANY NAME]
Trading name:
Standard Group
Registration number:
[COMPANY REGISTRATION NUMBER]
Registered address:
[REGISTERED ADDRESS]
Email:
[LEGAL OR SUPPORT EMAIL]
Telephone:
[TELEPHONE NUMBER]
Website:
https://sndtgroup.com/