Terms of Use

These Terms of Use govern your access to and use of the owncask.com website, guides, articles, frameworks, downloadable materials and other content made available by OwnCask.com under the owncask.com name.

By using the site, you agree to these terms. If you do not agree, please do not use the site.

1. Educational purpose

owncask.com is an educational information service. The site does not provide personal financial, investment, tax, accounting or legal advice and does not assess whether any investment, strategy or course of action is suitable for you.

Please see our Educational Disclaimer for further information.

2. No offer or recommendation

Unless we expressly state otherwise in a legally compliant communication, nothing on the site is intended as an offer, invitation, solicitation, personal recommendation or inducement to buy, sell, subscribe for or hold any investment or financial product.

3. Your responsibility

You are responsible for your own financial and investment decisions and for obtaining appropriately qualified professional advice where required.

Before acting on investment-related information, you should consider matters including your:

• objectives;

• financial circumstances;

• time horizon;

• liquidity requirements;

• tax position;

• existing assets and liabilities; and

• ability to bear financial loss.

4. Accuracy and availability

We aim to produce useful, considered and accurate educational material. However, financial markets, legislation, tax rules, products and personal circumstances can change.

We do not guarantee that all content on owncask.com is complete, current, error-free or suitable for every purpose.

We may update, amend, remove or suspend content or website functionality without notice.

5. Intellectual property

Unless otherwise stated, the owncask.com website and its original content, design, frameworks, graphics and downloadable materials are owned by or licensed to owncask.com and are protected by applicable intellectual property laws.

You may download and use owncask.com materials for your own personal, non-commercial educational use.

Without our prior written permission, you may not:

• reproduce or republish substantial parts of our content;

• sell, sublicense or commercially distribute our materials;

• modify our materials for commercial use;

• scrape or systematically extract substantial amounts of content;

• remove copyright, trademark or other proprietary notices; or

• represent owncask.com content or frameworks as your own.

6. Acceptable use

You must not:

• misuse the website;

• attempt to gain unauthorised access to the website, servers or systems;

• interfere with the security or normal operation of the website;

• knowingly introduce viruses, malware or other malicious technology;

• use automated systems in a way that materially burdens or disrupts the service;

• impersonate another person or organisation; or

• use the website for unlawful, misleading or fraudulent activity.

7. Third-party links and services

owncask.com may contain links to third-party websites, publications, products or services.

These links are provided for convenience, reference or educational purposes. We do not control third-party websites and are not responsible for their content, availability, security, products, services or privacy practices.

The inclusion of a link does not necessarily constitute an endorsement, recommendation or approval of the third party or its products or services.

8. Downloads

We take reasonable care when preparing downloadable guides and other materials.

However, you are responsible for using appropriate security software and for confirming that downloaded files are suitable for your device and intended use.

9. Liability

Nothing in these Terms of Use excludes or limits liability where it would be unlawful to do so, including liability for fraud or fraudulent misrepresentation, or death or personal injury caused by negligence where such liability cannot legally be excluded.

Subject to those limitations, owncask.com is not responsible for losses arising solely from reliance on general educational information as though it were personalised financial, investment, tax or legal advice.

owncask.com will also not be responsible for indirect or consequential losses that were not reasonably foreseeable.

Any exclusion or limitation of liability contained in these terms applies only to the extent permitted by applicable law and does not affect any rights that cannot lawfully be excluded or restricted.

10. Privacy and cookies

Our Privacy Policy explains how owncask.com, uses and protects personal information.

Our Cookie Policy explains how owncask.com uses cookies and similar technologies.

11. Changes to these terms

We may update these Terms of Use from time to time to reflect changes to the website, our services, our business or applicable requirements.

Any revised terms will apply from the date shown at the top of this document.

We recommend reviewing these terms periodically.

12. Governing law

Unless mandatory law requires otherwise, these Terms of Use are governed by the laws of England and Wales.

The courts of England and Wales will have jurisdiction over disputes arising from or connected with the use of the owncask.com website.

If you are a consumer, you may also have mandatory rights to bring proceedings in the courts of the country in which you live.

13. Contact

owncask.com is managed by:

Cas Media Group Publishing Ltd (CMG Pub)

Email: datacontroller@cmgpub.co.uk

Postal address: 12 Deer Park Road, SW19 3TL