Terms & Conditions

Structured Credit Investor (Cold Fountains Media Ltd)

IMPORTANT – PLEASE READ CAREFULLY

Terms of Use

These Terms explain how you may use the Structured Credit Investor (“SCI”) website, content and services. By using the site, you agree to these rules.

1. Use of Services

You may use SCI content under a non-exclusive, non-transferable licence for your organisation’s internal business purposes only. This includes activities such as analysis, research, and investment-related work involving securities or other assets. You may read content, view it on screen, print it, or store it electronically for internal use. Small excerpts may be included in internal reports or presentations when they are incidental to the document and clearly attributed to “Structured Credit Investor.”

You may not use the Services or content in a way that competes with our business, nor may you distribute, transfer, resell, commercialise, or provide access to SCI content to any third party. You must not copy, reproduce, modify, republish, upload, create derivative works from, or transmit any content without our prior written permission, except where expressly allowed under these Terms. Broad sharing of content requires our consent, and storing large quantities of content on internal systems requires a data licence.

SCI content must not be used by, or for the benefit of, any competing news, data, research or media platform. If we have reason to believe that another platform has copied, republished, adapted or otherwise misused SCI content, we will pursue all available legal remedies, including injunctive relief, recovery of financial losses, and any additional damages permitted under applicable intellectual property laws.

You must comply with all applicable intellectual property laws and take reasonable steps to maintain the confidentiality and security of SCI content. You may only disclose content where legally required and must notify us promptly if such disclosure is necessary. Our trademarks, including “SCI” and “Structured Credit Investor,” may not be used without our written permission. We may monitor usage to ensure compliance, and breaches may result in suspension or termination of access.

2. Your account

Your login is personal to you. Do not share it with anyone else, and notify us immediately if you believe it has been misused.

3. Our responsibility

We aim to keep SCI accurate, up to date and available, but uninterrupted service cannot be guaranteed. So far as the law permits, we are not responsible for indirect losses such as loss of profits, business or data. Our total liability is limited to the amount you have paid us in the previous twelve months, up to a maximum of £10,000, except where such limits cannot legally apply, including fraud or personal injury.

4. Your responsibility

You agree to provide accurate information, pay invoices on time, use SCI content responsibly, and comply with relevant laws.

5. Events

If you cancel an event booking up to eight weeks before the event, you will receive a credit for a future SCI event. If SCI cancels an event, you will receive a full refund within fourteen days. If an event is postponed and you cannot attend the new date, you will receive a credit, or a full refund if the postponement occurs within eight weeks of the event.

6. Subscriptions

Subscriptions run for twelve months and renew automatically unless you cancel in writing at least sixty days before the renewal date. If SCI services are unavailable for more than twenty-one consecutive days, excluding force majeure or user-related issues, we will provide a pro-rata refund for the affected period.

7. Confidentiality and Data Protection

We handle your information carefully and comply with UK and EU GDPR. We use your personal data only to manage your subscription, provide services, and meet legal obligations.

8. Business Continuity

SCI maintains a Business Continuity and Disaster Recovery Plan to ensure services continue during unexpected disruptions. A copy is available on request.

9. Financial Crime

SCI applies a zero-tolerance policy to money laundering, fraud, bribery, corruption and all forms of financial crime.

10. Governing Law

These Terms are governed by UK law, and any disputes will be handled by UK courts.