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Terms & Conditions

These Terms and Conditions ("Terms") govern your use of & ("Website") operated by Bear’s Financial Services Ltd ("Company," "we," "us," or "our"). By accessing or using the Website, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access the Website. 

1. Use of Website: 

a. You must be at least 16 years old to use this Website. By using this Website and by agreeing to these Terms, you warrant and represent that you are at least 16 years of age. 

b. You are granted a limited, non-exclusive, revocable license to access and use the Website for your personal or business use. 

2. Intellectual Property: 

a. The content on this Website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, data compilations, and software, is the property of the Company and is protected by copyright laws. 

b. You may not modify, copy, reproduce, republish, upload, post, transmit, or distribute any content from this Website without prior written permission from the Company. 

3. User Content: 

a. By submitting or posting any content on the Website, you grant the Company a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content worldwide in any media. 

b. You represent and warrant that you own or otherwise control all of the rights to the content that you post, that the content is accurate, and that the use of the content you supply does not violate these Terms and will not cause injury to any person or entity. 

4. Links to Third-Party Websites: 

The Website may contain links to third-party websites that are not owned or controlled by the Company. The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites. 

5. Limitation of Liability: 

In no event shall the Company, its officers, directors, employees, or agents be liable to you for any indirect, incidental, special, punitive, or consequential damages whatsoever resulting from any errors, mistakes, or inaccuracies of content, personal injury or property damage, of any nature whatsoever, resulting from your access to and use of the Website, any unauthorised access to or use of our secure servers and/or any and all personal information and/or financial information stored therein, any interruption or cessation of transmission to or from the Website, any bugs, viruses, trojan horses, or the like which may be transmitted to or through the Website by any third party, and/or any errors or omissions in any content or for any loss or damage of any kind incurred as a result of your use of any content posted, emailed, transmitted, or otherwise made available via the Website, whether based on warranty, contract, tort, or any other legal theory, and whether or not the Company is advised of the possibility of such damages. 

6. Indemnification: 

You agree to indemnify and hold harmless the Company, its officers, directors, employees, and agents, from and against any claims, liabilities, damages, losses, and expenses, including without limitation, reasonable legal and accounting fees, arising out of or in any way connected with your access to or use of the Website or your violation of these Terms. 

7. Changes to Terms: 

The Company reserves the right, at its sole discretion, to modify or replace these Terms at any time. It is your responsibility to review these Terms periodically for changes. Your continued use of the Website following the posting of any changes to these Terms constitutes acceptance of those changes. 


8. Governing Law: 

These Terms shall be governed and construed in accordance with the laws of England & Wales, without regard to its conflict of law provisions. 


9. Contact Us: 

If you have any questions about these Terms, please contact us at

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