1. Agreement
These Terms form an agreement between you and Haystack Technology Ltd (a company registered in England and Wales, Company No. 17157792) in relation to your use of our website and services (together, the "Services"). By accessing the Services you agree to be bound by these Terms.
2. Nature of the Services
The Services provide infrastructure for the distribution, lifecycle management and transferability of non-market-traded investments. The Services do not constitute investment advice, a personal recommendation, an offer to sell or a solicitation to buy any investment.
Certain areas of the platform - including investor features - are available only to verified users who have completed our onboarding process and, where required, demonstrated eligibility under applicable financial promotion rules.
3. Eligibility
You must be at least 18 years old and legally able to enter into a binding contract in your jurisdiction. Access to investor-only features may additionally require identity verification, suitability or appropriateness assessments, and compliance with jurisdictional restrictions. We may refuse, suspend or terminate access at our discretion where we consider it necessary to comply with our regulatory obligations.
4. Your account
Where the Services require an account, you are responsible for keeping your credentials secure and for all activity under your account. You agree to provide accurate information and to update it promptly if it changes. Notify us immediately if you suspect unauthorised access.
5. Acceptable use
You agree to use the Services lawfully and only for their intended purpose. In particular, you agree not to:
- Attempt to interfere with, disrupt or compromise the security or integrity of the Services.
- Use the Services to engage in market abuse, money laundering, terrorist financing, fraud or any other unlawful activity.
- Access the Services by any means other than the interfaces we provide.
- Reverse engineer, decompile or attempt to extract source code, except to the extent permitted by law.
- Use the Services to distribute unsolicited commercial communications or harmful content.
6. Content and intellectual property
All content on the Services - including text, graphics, logos, designs, software and the Haystack name - is owned by or licensed to Haystack Technology Ltd and is protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable licence to access the Services for their intended purpose. All other rights are reserved.
7. Third-party services
The Services may rely on or link to third-party services, including identity verification providers, custodian banks, settlement counterparties and infrastructure partners. Their services are governed by their own terms. We are not responsible for the acts, omissions or content of third parties.
8. Marketing communications
Any financial promotion displayed through the Services is a marketing communication. It is not independent research and is not subject to any prohibition on dealing ahead of dissemination. You should not rely on it as the basis for an investment decision.
9. No advice
Nothing on the Services constitutes investment, tax, legal or other professional advice. You should seek advice from a suitably qualified professional before making any decision based on information made available through the Services.
10. Risk
Investments accessed through the Services are speculative, illiquid and involve a high risk of partial or total loss. Please review our Risk Disclosure before using any investor features.
11. Availability and changes
We aim to keep the Services available but make no guarantee of uninterrupted access. We may change, suspend or discontinue any part of the Services at any time, with or without notice. We may also update these Terms from time to time; the "last updated" date above indicates when they were last revised.
12. Limitation of liability
Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud, fraudulent misrepresentation, or any other liability that cannot lawfully be limited or excluded. Subject to that, to the fullest extent permitted by law:
- The Services are provided on an "as is" and "as available" basis without warranties of any kind.
- We are not liable for indirect or consequential loss, loss of profit, loss of business, loss of goodwill, or loss of data.
- Our aggregate liability to you in connection with the Services is limited to any fees you have paid to us in the twelve months preceding the event giving rise to the claim, or, if no fees have been paid, £100.
13. Governing law
These Terms and any dispute arising out of or in connection with them are governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction over any dispute, subject to any mandatory rights you have as a consumer in your country of residence.
14. Contact
Questions about these Terms should be directed to us via the enquiry form on our homepage.