Terms & Conditions
1. About These Terms
These Terms of Use govern your access to and use of the Otterbear Advisory Ltd website at otterbearadvisory.com (the "Site"). By accessing or using the Site, you agree to be bound by these terms. If you do not agree, please do not use the Site.
Otterbear Advisory Ltd is a company registered in England and Wales.
Registered address: Star House, 8 Star Hill, Rochester, England, ME1 1UX
Contact: [email protected]
These Terms of Use apply to general use of the Site only. Where you engage Otterbear Advisory Ltd for specific services, separate engagement terms, service agreements, or client-specific documentation will be provided. Those documents will take precedence over these Terms of Use in the event of any conflict or inconsistency.
2. Additional and Superseding Terms
Depending on the nature of your relationship with us, additional terms may apply:
Engagement Letters and Service Agreements — clients who instruct us will be issued a formal engagement letter or service agreement. The terms contained in that document govern the provision of services and supersede these Terms of Use to the extent of any conflict.
Client-Specific Terms — where agreed in writing between you and Otterbear Advisory Ltd, bespoke contractual terms may apply and will take precedence over both these Terms of Use and any standard service agreement.
Regulatory and Legal Requirements — nothing in any agreement between us overrides our obligations under applicable law, including but not limited to anti-money laundering legislation, tax advisory regulations, and data protection law.
If you are unsure which terms apply to your engagement, please contact us at [email protected].
3. Use of the Site
You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of others or restrict their use and enjoyment of the Site. You must not:
Use the Site in any way that violates applicable local, national, or international law or regulation
Transmit any unsolicited or unauthorised advertising or promotional material
Knowingly transmit any data or material that contains viruses, trojans, worms, or other malicious code
Attempt to gain unauthorised access to any part of the Site, its servers, or any connected systems
Scrape, harvest, or systematically extract data from the Site without our express written consent
Use the Site in any way that could damage, disable, overburden, or impair it
We reserve the right to suspend or terminate access to the Site for any user who we reasonably believe has breached these terms.
4. Intellectual Property
All content on this Site — including text, graphics, logos, icons, and images — is the property of Otterbear Advisory Ltd or its licensors and is protected by copyright and other intellectual property laws.
You may view, print, and download content from the Site for your own personal, non-commercial use, provided you do not modify the content and you retain all copyright and other proprietary notices.
Nothing on this Site should be construed as granting any licence or right to use any intellectual property without our prior written permission.
5. Information and Accuracy
The content on this Site is provided for general informational purposes only. While we take reasonable steps to ensure accuracy, we make no representations or warranties — express or implied — about the completeness, accuracy, reliability, or suitability of any information on the Site.
Nothing on this Site constitutes professional advice. In particular, no content on this Site should be relied upon as tax, legal, financial, or regulatory advice. You should always seek appropriate professional guidance tailored to your specific circumstances before making any decisions.
We reserve the right to change, update, or remove content from the Site at any time without notice.
6. Third-Party Links
The Site may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them. The inclusion of any link does not imply endorsement by Otterbear Advisory Ltd.
7. Limitation of Liability
To the fullest extent permitted by law, Otterbear Advisory Ltd shall not be liable for any:
Loss of income, revenue, or profits
Loss of business or contracts
Loss of anticipated savings
Loss of data
Indirect, special, or consequential loss
arising out of or in connection with your use of, or inability to use, this Site or its content.
Nothing in these terms limits or excludes our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under English law.
8. Availability of the Site
We do not guarantee that the Site will always be available or that access will be uninterrupted. We may suspend, withdraw, or restrict availability of all or any part of the Site for operational, technical, or business reasons at any time without notice.
9. Privacy
Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms of Use by reference. The Privacy Policy explains how we collect, use, and store your personal data, including data collected through the Site. You can view the Privacy Policy at otterbearadvisory.com.
10. Cookies
The Site may use cookies and similar technologies. By continuing to use the Site, you consent to our use of cookies in accordance with our Cookie Policy. You can manage your cookie preferences through your browser settings at any time.
11. Governing Law and Jurisdiction
These Terms of Use and any dispute or claim arising out of or in connection with them (including non-contractual disputes) shall be governed by and construed in accordance with the laws of England and Wales.
The courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms of Use.
12. Changes to These Terms
We may update these Terms of Use from time to time. The current version will always be published on the Site with the date of last revision noted at the top. Your continued use of the Site after any changes constitutes your acceptance of the revised terms.
13. Contact Us
If you have any questions about these Terms of Use, please contact us:
Otterbear Advisory Ltd Star House, 8 Star Hill, Rochester, England, ME1 1UX Email: [email protected] Website: otterbearadvisory.com