Terms of Use

Effective Date: 10 May 2026

1. Agreement to Terms

By accessing and using the crystal-api website (the "Website") and our services, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our Website or services.

These terms constitute a legally binding agreement between you and crystal-api Limited ("we," "our," or "us").

2. About crystal-api

crystal-api Limited is a financial advisory firm registered and regulated by the Financial Conduct Authority (FCA).

Company Details:
Company Name: crystal-api Limited
Registered Office: 14 Threadneedle Street, London EC2R 8AY, United Kingdom
Company Registration Number: 08475930
FCA Registration Number: 847593

3. Use of the Website

3.1 Permitted Use

You may use this Website for:

• Obtaining information about our services
• Requesting consultations or assessments
• Contacting us with enquiries
• Accessing resources and information we provide

3.2 Prohibited Use

You must not:

• Use the Website for any unlawful purpose
• Attempt to gain unauthorized access to our systems or data
• Transmit viruses, malware, or harmful code
• Scrape, copy, or download content using automated means
• Impersonate any person or entity
• Interfere with the proper functioning of the Website
• Use the Website to distribute spam or unsolicited communications

4. Information on the Website

4.1 General Information Only

The content on this Website is provided for general information purposes only. It does not constitute financial advice tailored to your individual circumstances.

You should not rely solely on information from this Website when making financial decisions. Always seek personalized advice from a qualified financial advisor.

4.2 No Guarantee of Accuracy

While we strive to ensure information on the Website is accurate and up-to-date, we make no representations or warranties about:

• The accuracy or completeness of information
• The suitability of information for your particular circumstances
• The currency of information (laws and regulations change frequently)

4.3 Not a Recommendation

Nothing on this Website constitutes a recommendation to buy, sell, or hold any financial product. Pension and investment decisions should only be made after receiving personalized advice.

5. Client Engagement

5.1 Terms of Business

If you become a client of crystal-api, separate Terms of Business will apply to our professional relationship. Those terms will govern:

• The scope of services we provide
• Fee arrangements
• Your rights and responsibilities
• Our duties under FCA regulations
• Complaint procedures

5.2 Regulatory Protection

As an FCA-regulated firm, we are required to:

• Act in your best interests
• Provide clear and fair information
• Maintain professional indemnity insurance
• Follow strict conduct rules

6. Intellectual Property

6.1 Our Rights

All content on this Website, including text, graphics, logos, images, and software, is the property of crystal-api Limited or its licensors and is protected by UK and international copyright laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the Website for personal, non-commercial purposes. This license does not include:

• Modifying or copying content
• Using content for commercial purposes
• Distributing or republishing content
• Removing copyright or proprietary notices

7. Third-Party Links

Our Website may contain links to third-party websites. These links are provided for your convenience only. We do not:

• Endorse the content of linked websites
• Take responsibility for their accuracy or reliability
• Control their privacy practices or terms of use

Accessing third-party websites is at your own risk.

8. Limitation of Liability

8.1 Website Use

To the fullest extent permitted by law, crystal-api Limited shall not be liable for any loss or damage arising from:

• Your use of or inability to use the Website
• Reliance on information provided on the Website
• Errors, omissions, or inaccuracies in Website content
• Unauthorized access to your data
• Technical failures or interruptions

8.2 Exclusions

Nothing in these terms excludes or limits our liability for:

• Death or personal injury caused by our negligence
• Fraud or fraudulent misrepresentation
• Any liability that cannot be excluded by law

9. Privacy and Data Protection

Your use of the Website is also governed by our Privacy Policy and GDPR Compliance Statement. By using the Website, you consent to the collection and use of your information as described in those documents.

10. Availability of the Website

We strive to ensure the Website is available 24/7, but we do not guarantee uninterrupted access. The Website may be unavailable due to:

• Scheduled maintenance
• Technical failures
• Circumstances beyond our control

We reserve the right to suspend, withdraw, or modify the Website at any time without notice.

11. Changes to These Terms

We may update these Terms of Use from time to time. Changes will be effective immediately upon posting to the Website. Your continued use of the Website after changes are posted constitutes acceptance of the revised terms.

We encourage you to review these terms periodically.

12. Regulatory Complaints

12.1 Internal Complaints

If you have a complaint about our services, please contact us:

Email: [email protected]
Subject: Complaint

We will acknowledge your complaint within 5 business days and provide a full response within 8 weeks.

12.2 Financial Ombudsman Service

If you are not satisfied with our response, you may refer your complaint to the Financial Ombudsman Service:

Financial Ombudsman Service
Exchange Tower, London E14 9SR
Tel: 0800 023 4567
Website: www.crystal-api.com.uk

12.3 Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation if we cannot meet our obligations. Information about the scheme is available at www.crystal-api.com.uk.

13. Governing Law

These Terms of Use are governed by the laws of England and Wales. Any disputes arising from these terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of England and Wales.

14. Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

15. Entire Agreement

These Terms of Use, together with our Privacy Policy and any separate Terms of Business for clients, constitute the entire agreement between you and crystal-api Limited regarding use of the Website.

16. Contact Information

If you have questions about these Terms of Use, please contact us:

crystal-api Limited
14 Threadneedle Street
London EC2R 8AY
United Kingdom
Email: [email protected]

17. Professional Indemnity Insurance

We maintain professional indemnity insurance as required by FCA regulations. Details of our insurance coverage are available upon request.