Website Terms of Use

Effective Date: 3 August 2026

Contents

• Introduction
• About Protection Research
• Acceptance of these Terms
• Access to the Website
• Permitted Use
• Intellectual Property Rights
• User Content and Communications
• Links to Third-Party Websites
• Website Availability
• Disclaimer
• Limitation of Liability
• Changes to these Terms
• Governing Law
• Contact

1. Introduction

These Website Terms of Use ("Terms") govern your access to and use of the websites operated by Protection Research Ltd ("Protection Research", "we", "our" or "us"). These Terms apply to all visitors to our website, whether or not they are registered users or customers. If you purchase or use our subscription Services, your use of those Services is additionally governed by our Terms of Service. By accessing or using our website, you agree to be bound by these Terms. If you do not agree with these Terms, you should not use the website.

2. About Protection Research

Protection Research Ltd is a company incorporated in England and Wales.

Company Name

Protection Research Ltd

Company Number

• 17366537
• Registered Office

41 Colwyn Road, Stockport, Cheshire, England, SK7 2JG

Email

support@protectionresearch.com Protection Research provides business protection research software, subscription services, publications and related professional services for authorised financial advisers and their firms.

3. Acceptance of these Terms

• By accessing, browsing or otherwise using our website, you confirm that:
• you have read and understood these Terms
• you agree to comply with them
• you will use the website lawfully; and

where you act on behalf of an organisation, you have authority to bind that organisation. If you do not agree to these Terms, you must discontinue use of the website immediately.

4. Access to the Website

Protection Research grants you a limited, non-exclusive, revocable and non-transferable licence to access and use the website for lawful purposes.

Access to certain areas of the website may require:

• registration
• authentication
• an active subscription; or

acceptance of additional contractual terms.

Protection Research may:

• modify website content
• add or remove functionality
• suspend access
• restrict access to certain features; or
• discontinue parts of the website,

where reasonably necessary for operational, commercial, security or legal reasons. We do not guarantee that the website or any content will always be available.

5. Permitted Use

You may use the website only for lawful purposes consistent with these Terms. You may: browse publicly available content; access subscription content where authorised; download material where expressly permitted; contact Protection Research regarding its Services; and use the website for legitimate business purposes. You must not: use the website for unlawful purposes; interfere with website security; attempt to gain unauthorised access; introduce malicious software; disrupt website operations; scrape or systematically harvest website content; use automated tools except where expressly authorised; reverse engineer website functionality where prohibited by law; misrepresent your identity; or use the website in any way that could reasonably damage Protection Research or other users.

6. Intellectual Property Rights

• Unless otherwise stated, all content available on the website, including:
• text
• graphics
• branding
• logos
• software
• source code
• research
• publications
• databases
• documentation
• images; and
• website design,

is owned by or licensed to Protection Research and is protected by applicable intellectual property laws. No ownership rights are transferred by use of the website. Subject to these Terms, users may access website content solely for their own lawful internal business purposes. Except where expressly permitted or required by law, users must not: reproduce website content; redistribute publications; create derivative works; remove copyright notices; commercially exploit website content; create competing databases; use website content to train artificial intelligence or machine learning models without prior written consent.

7. User Content and Communications

Where the website permits users to submit enquiries, comments, feedback or other communications ("User Content"), you remain responsible for the content that you submit. By submitting User Content, you confirm that: you have the right to provide the content; the content does not infringe the rights of any third party; the content is accurate to the best of your knowledge; the content is not unlawful, defamatory, abusive, threatening, discriminatory or misleading; and the content does not contain malicious software or other harmful material. By submitting User Content, you grant Protection Research a non-exclusive, worldwide, royalty-free licence to use, reproduce, store and process that content solely for the purposes of: responding to your enquiry; providing support; improving our Services; investigating security incidents; and complying with legal obligations. Protection Research reserves the right, but is under no obligation, to remove or refuse any User Content that reasonably appears to breach these Terms or Applicable Law.

8. Links to Third-Party Websites

Our website may contain links to third-party websites, products or services for convenience or informational purposes.

Protection Research:

• does not control third-party websites
• is not responsible for their content, security or availability
• does not guarantee the accuracy of information published by third parties; and

does not endorse any third-party organisation, product or service unless expressly stated. Accessing third-party websites is entirely at your own risk. You should review the terms, privacy policies and security practices of any third-party websites before using them.

9. Website Availability

Protection Research uses reasonable efforts to keep the website available and functioning correctly. However, we do not guarantee that the website will: always be available; operate without interruption; be free from errors; be compatible with every device or browser; or remain unchanged. We may suspend, restrict or discontinue access to all or part of the website where reasonably necessary for: scheduled maintenance; emergency maintenance; software upgrades; infrastructure improvements; cyber security incidents; legal or regulatory compliance; or operational requirements. Protection Research shall not be liable for temporary interruptions that are reasonably necessary for the operation or security of the website.

10. Disclaimer

The content published on this website is provided for general informational purposes only. Although Protection Research uses reasonable skill and care when preparing website content, we do not guarantee that all information is: complete; accurate; current; or suitable for any particular purpose. Website content should not be relied upon as legal, financial, investment, regulatory or other professional advice. Users remain responsible for assessing whether website information is appropriate for their own circumstances and, where appropriate, obtaining independent professional advice. References to third-party organisations, products, software, standards or services do not constitute endorsement unless expressly stated.

11. Limitation of Liability

Nothing in these Terms excludes or limits liability where such liability cannot lawfully be excluded or limited under the laws of England and Wales. Subject to the above, Protection Research shall not be liable for any: indirect or consequential loss; loss of profit; loss of revenue; loss of business opportunity; loss of goodwill; business interruption; corruption or loss of data; or other commercial loss, arising from or connected with the use of, or inability to use, the website. Where liability cannot be excluded, Protection Research's liability shall be limited to the maximum extent permitted by Applicable Law.

12. Changes to these Terms

Protection Research may amend these Website Terms of Use from time to time to reflect: changes in Applicable Law; improvements to the website; operational requirements; changes to our business; or developments in technology and our Services. The latest version will always be published on our website together with the updated Effective Date. Continued use of the website after revised Terms become effective constitutes acceptance of those revised Terms.

13. Governing Law

These Website Terms of Use and any dispute or claim arising out of or in connection with them 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 over any dispute arising under or in connection with these Terms, except where Applicable Law provides otherwise.

14. Contact

Questions regarding these Website Terms of Use should be directed to:

Protection Research Ltd

Company Number: 17366537

• Registered Office: 41 Colwyn Road, Stockport, Cheshire, England, SK7 2JG
• Email: support@protectionresearch.com

End of Website Terms of Use

Effective Date: 3 August 2026

© Protection Research Ltd. All rights reserved.