Terms & Conditions

Structured Credit Investor (Cold Fountains Media Ltd)

IMPORTANT – PLEASE READ CAREFULLY

1. Introduction

These Terms govern your use of the website and services provided by Cold Fountains Media Ltd, trading as Structured Credit Investor (“SCI”). By accessing our website or using our services, you agree to comply with these Terms. These Terms are governed by the laws specified in Clause 17.

2. Definitions

“You” or “Your” means the customer (including its affiliates). “We”, “Us”, or “Our” means Cold Fountains Media Ltd. “Services” means online information and related services provided exclusively to registered users or subscribers.

3. Use of Services

You agree to use the Services and content under a non-exclusive, non-transferable licence. Use is limited to internal business purposes within your organisation and must be applied solely to activities such as analysis, purchase, sale, and other investment-related activities involving securities or other assets.

You shall not use, distribute, transfer, or dispose of the platform or content in any way that competes with our business, nor resell, commercially exploit, or provide access to the platform or content to any third party. You may not create derivative works, modify, reproduce, republish, upload, or transmit any content without our prior written consent, unless expressly permitted under these Terms.

Content may be displayed on a computer screen, printed, or stored electronically for internal use only. Limited excerpts of content may be included in reports or presentations if incidental to the document’s main purpose and with proper attribution to “Structured Credit Investor.” Broader sharing of content requires our explicit consent. Wholesale copying or storing of content on local servers requires the purchase of a data licence.

You agree to comply with all applicable intellectual property laws, including copyright and trademark laws, and to avoid any activity that infringes the rights of Cold Fountains Media Ltd or any third party. Content may be disclosed only where legally required, and you must notify us promptly if such disclosure is required so that we may take protective measures. You agree to refrain from using any trademarks, including “SCI” and “Structured Credit Investor,” without prior written permission. You also agree to take reasonable steps to maintain the confidentiality and security of all content and data provided through the Services.

We may monitor your use of the platform and content to ensure compliance with these Terms. Breaches may result in suspension or termination of your access to the Services.

4. Intellectual Property Rights

You are granted a limited, non-exclusive, non-transferable, revocable licence to use the Services and content for internal business purposes, as expressly permitted under this Agreement. You shall not copy, modify, reproduce, distribute, create derivative works from, reverse-engineer, disassemble, decompile, or attempt to extract the source code of any proprietary technology provided. You may not share, distribute, or sublicense any content, technology, or services to third parties without our prior written consent, nor use the content or technology in any way that competes with or undermines the interests of Cold Fountains Media Ltd.

You agree to take all reasonable steps to protect our proprietary content and technology from unauthorised use, access, or disclosure and to notify us promptly of any actual or suspected unauthorised use or infringement. We reserve all rights not expressly granted in this Agreement. Unauthorised use of any proprietary content, services, or technology constitutes a breach of this Agreement and may result in termination of Services and legal action. You acknowledge that unauthorised use, copying, or distribution of our proprietary content or technology may cause irreparable harm, for which monetary damages may be insufficient, and agree that we shall be entitled to seek injunctive relief in addition to any other remedies available.

5. Registration

Your registration is personal and non-transferable. You are responsible for maintaining the confidentiality of login credentials and notifying us of any unauthorised use.

6. Limitations of Liability

To the fullest extent permitted by law, we shall not be liable to you, whether in contract, tort (including negligence), misrepresentation, breach of statutory duty, or otherwise, for any indirect, incidental, special, exemplary, or consequential loss or damage; for loss of profits, revenue, anticipated savings, business, goodwill, data, or business opportunities; for costs of procuring substitute goods or services; for loss or corruption of data or content; or for loss arising from any downtime, delay, or failure in performance not caused by our wilful default. This applies even if we have been advised of the possibility of such loss or damage.

Except as expressly stated in Clause 6.3, our total aggregate liability under or in connection with this Agreement (whether in contract, tort, misrepresentation, or otherwise) shall not exceed the lower of the total subscription fees paid by you in the twelve (12) months preceding the event giving rise to the claim, or £10,000. This cap is cumulative and applies to all claims in aggregate, not per incident.

The exclusions and limitations above do not apply to liability arising from death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, breach of obligations under applicable data protection laws, or any other liability which cannot be excluded or limited under applicable law. You also agree to take all reasonable steps to mitigate any loss or damage you may suffer arising out of or in connection with this Agreement.

7. Customer Responsibilities

You agree to provide accurate and up-to-date information, pay all invoices within thirty (30) days, comply with these Terms and cooperate with us as required, and mitigate risks by securing adequate insurance.

8. Indemnity

You agree to indemnify, defend, and hold harmless Cold Fountains Media Ltd, its officers, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including legal fees) arising out of your breach of these Terms or any obligation under this Agreement, your non-compliance with applicable laws or regulations, or your misuse of the Services, platform, or any proprietary content. Unless otherwise stated in this Agreement, your total aggregate liability under this indemnity shall not exceed the total subscription fees paid by you in the twelve (12) months preceding the event giving rise to the claim. This limitation shall not apply to liability arising from fraud, wilful misconduct, or any liability which cannot be excluded or limited by law.

9. Term and Termination

These Terms run for 12 months from invoice date unless otherwise agreed. They automatically renew unless terminated in writing at least 60 days before renewal. If Services are unavailable for a continuous period exceeding twenty-one (21) consecutive days (excluding Client-caused or force majeure events), we will issue a pro-rata refund for the period of non-performance.

10. Confidentiality

All non-public information exchanged must be kept confidential unless disclosure is required by law.

11. Data Protection

Both parties shall comply with all applicable data protection legislation, including the UK GDPR and EU GDPR. Each party shall implement appropriate technical and organisational measures to protect personal data. Personal data will be processed for the execution, management, and control of these Terms and to comply with applicable legal obligations. Rights of access, rectification, deletion, objection, portability, and restriction of processing may be exercised by written notice.

Personal data shall be processed for the duration of these Terms and retained only for the period necessary to comply with legal obligations or defend legal claims, after which it shall be securely deleted. Copies may be retained for legal or audit purposes, provided they are destroyed at the expiry of the retention period. Each party is responsible for informing its employees or agents about these provisions. Each party shall be liable for damages or sanctions arising from non-compliance, and claims may be submitted to the UK Information Commissioner’s Office or other relevant authority.

12. Force Majeure

We are not liable for delays or failures caused by events beyond our reasonable control. Either party may terminate if such an event continues for more than 30 days.

13. Assignment

Neither party may assign rights or obligations without the other’s written consent, except to affiliates who agree to be bound by these Terms.

14. Severability

If any provision is found unenforceable, the remaining provisions will remain in effect.

15. Entire Agreement

These Terms supersede all prior agreements. Amendments must be in writing and signed by both parties.

16. Governing Law & Jurisdiction

These Terms are governed by the laws of the United Kingdom, with exclusive jurisdiction of UK courts.

17. Business Continuity

Cold Fountains Media Ltd warrants that it maintains a Business Continuity and Disaster Recovery Plan (BCDR Plan) to ensure continuity of Services in the event of damage to premises, operational systems, or third-party providers. The BCDR Plan includes identification of responsible personnel, critical activities, strategies for continuity, and regular updates and testing. A copy will be provided upon request, and updates will be notified at least annually. Clients will be informed without undue delay if Cold Fountains Media Ltd becomes unable to perform the BCDR Plan.

18. Financial Crime

We have zero tolerance for conduct such as money laundering, fraud, tax evasion, bribery, or corruption.