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Terms & Conditions – www.moksha-advisory.co.uk & www.moksha-advisory.com

1. Introduction

This website (the “Website”) is operated by Moksha Group Limited trading as Moksha Advisory (“Moksha”, “we”, “us”, “our”). By accessing or using the Website, including any member areas, you agree to these Terms & Conditions. If you do not agree, you must not use the Website.

2. Informational Use Only

Content on this Website is provided for general information purposes only. Nothing constitutes financial, investment, legal, tax, or other professional advice. Reliance on Website content is at your own risk. Advisory services are only provided under a signed engagement letter.

3. No Client Relationship

Use of the Website, including registration or contact via forms or email, does not create a client–advisor relationship. A client relationship exists only once a written engagement letter has been executed.

4. Regulatory Status

Moksha Advisory is not authorised or regulated by the UK Financial Conduct Authority (FCA) or any equivalent regulator. We do not provide regulated investment services. All business or investment decisions remain your responsibility.

5. Forward-Looking Statements

Any projections, insights, or forward-looking statements are illustrative only and subject to risks and uncertainties. Past performance does not guarantee future results.

6. Insights & Members Area

  • 6.1 Access Control – Certain Website content (“Members Content”) is available only to registered users with valid login credentials. We may restrict or revoke access at our discretion.
  • 6.2 User Accounts – You must keep login details confidential. Accounts are personal and must not be shared. You are responsible for all activity carried out under your account.
  • 6.3 Permitted Use – Members Content is provided for your personal, non-commercial use only. You may not copy, download, reproduce, or distribute Members Content without our prior written consent.
  • 6.4 Termination – We reserve the right to suspend or terminate your access to Members Content at any time for breach of these Terms, misuse of content, or non-payment (if applicable). No refunds will be due for terminated access.

7. Intellectual Property

All Website and Members Content, trademarks, and materials are owned by or licensed to Moksha. Except as expressly permitted, no content may be copied, modified, distributed, or published without prior written consent.

8. Acceptable Use

You must not misuse the Website, including by introducing malware, attempting unauthorised access, or interfering with Website security.

9. Third-Party Links

The Website may link to external websites. Moksha is not responsible for, and accepts no liability for, third-party sites or content.

10. Limitation of Liability

To the maximum extent permitted by law, Moksha excludes all liability for any direct, indirect, incidental, special, or consequential losses or damages arising from or in connection with your use of the Website, Members Content, or reliance on any information provided. Moksha shall not be liable for any loss of profits, business, contracts, goodwill, data, or other intangible losses. Nothing in these Terms shall exclude or limit liability for death or personal injury caused by negligence, or for fraud.

11. Indemnity

You agree to indemnify and hold harmless Moksha, its directors, employees, and agents from all claims, damages, and costs (including legal fees) arising from your misuse of the Website, Members Content, or breach of these Terms.

12. Service Interruptions & Force Majeure

We do not guarantee uninterrupted availability of the Website or Members Content. Access may be suspended for maintenance, technical issues, or events beyond our control. Moksha accepts no liability for service interruptions.

13. Privacy & Data Protection

Personal information is handled in accordance with our Privacy Policy, available on the Website.

14. Amendments

We may revise these Terms by posting updated versions on the Website. Continued use constitutes acceptance of revised Terms.

15. Severability & Waiver

If any provision of these Terms is found invalid, the remaining provisions remain in effect. Failure to enforce rights does not constitute a waiver.

16. Governing Law & Jurisdiction

These Terms are governed by the laws of England and Wales. The courts of England and Wales shall have exclusive jurisdiction over disputes.