1. INTRODUCTION

1.1 These Website Terms of Use (“Website Terms”) govern your access to and use of the Digital Capital Ltd website and any related web-based interfaces (the “Website”).

1.2 The Website is operated by Digital Capital Ltd, a company incorporated in England and Wales (Company No. 10222334) with its registered office at 3rd Floor, 86–90 Paul Street, London, EC2A 4NE, United Kingdom.

1.3 Digital Capital Ltd is authorised by the Financial Conduct Authority as an Electronic Money Institution (FRN 900710).

2. PURPOSE OF THESE TERMS

2.1 These Website Terms:

• define the conditions under which the Website may be used

• establish limitations of liability

• set expectations for acceptable use

• protect Digital Capital from misuse of the Website

2.2 These Website Terms do not govern regulated services provided through accounts, payments or cards. Those services are governed by separate agreements.

3. SCOPE OF APPLICATION

3.1 These Website Terms apply to:

• all visitors to the Website

• all users accessing content or functionality

• prospective customers

• Partner users accessing web interfaces

4. ACCEPTANCE OF TERMS

4.1 By accessing or using the Website, you agree to be bound by these Website Terms.

4.2 If you do not agree, you must not use the Website.

5. RELATIONSHIP WITH OTHER DOCUMENTS

5.1 These Website Terms must be read together with:

• Account and Payment Services Agreement

• Privacy Notice

• Cookie Policy

• Acceptable Use Policy

5.2 Where there is a conflict:

• service-specific terms take precedence over Website Terms

6. NATURE OF WEBSITE CONTENT

6.1 The Website provides:

• general information

• product descriptions

• access points to services

6.2 The Website does not itself constitute:

• a regulated financial service

• advice

• an offer to enter into a contract

7. NO FINANCIAL OR LEGAL ADVICE

7.1 Content on the Website is for informational purposes only.

7.2 It must not be relied upon as:

• financial advice

• legal advice

• investment advice

8. RELIANCE ON CONTENT

8.1 You are responsible for assessing the suitability of any information.

8.2 Digital Capital does not accept responsibility for decisions made based on Website content.

9. AVAILABILITY OF THE WEBSITE

9.1 We aim to provide continuous access to the Website.

9.2 However, access may be interrupted due to:

• maintenance

• updates

• technical issues

9.3 We do not guarantee uninterrupted availability.

10. CHANGES TO THE WEBSITE

10.1 We may:

• modify the Website

• remove features

• update content without notice.

11. ACCESS RESTRICTIONS

11.1 We may restrict access to:

• certain users

• certain regions

• certain features

12. USR RESPONSIBILITIES

12.1 You must:

• use the Website lawfully

• comply with applicable laws

• not misuse the Website

13. PROHIBITED USE (HIGH LEVEL)

13.1 You must not:

• attempt to gain unauthorised access

• interfere with systems

• misuse data

13.2 Detailed restrictions are set out in the Acceptable Use Policy.

14. ACCURACY OF INFORMATION

14.1 We aim to ensure accuracy of content.

14.2 However:

• information may not always be complete or up to date

15. THIRD-PARTY LINKS

15.1 The Website may include links to third-party websites.

15.2 We are not responsible for:

• their content

• their services

16. REGULATORY DISCLOSURE

16.1 Digital Capital Ltd is authorised and regulated by the FCA.

16.2 The Website may include regulatory disclosures required by law.

17. GEOGRAPHIC LIMITATIONS

17.1 The Website is intended for users in the UK and EEA.

17.2 Access from other jurisdictions may be restricted.

18. CONTACT

18.1 For enquiries, contact:

info@digi-capital.co.uk

19. INTELLECTUAL PROPERTY RIGHTS

19.1 All intellectual property rights in the Website and its content are owned by or licensed to Digital Capital Ltd.

19.2 This includes:

• text

• graphics

• logos

• software

• design

• layout

• databases

19.3 All rights are reserved.

20. PERMITTED USE

20.1 You may:

• access the Website

• view content

• use it for personal or internal business purposes

20.2 Any other use requires prior written permission.

21. PROHIBITED USE OF CONTENT

21.1 You must not:

• copy or reproduce content

• distribute or publish content

• modify content

• create derivative works without permission.

22. SCRAPING AND AUTOMATED ACCESS

22.1 You must not:

• use automated tools to extract data

• scrape content

• harvest information without prior consent.

23. REVERSE ENGINEERING

23.1 You must not:

• reverse engineer systems

• attempt to discover source code

• analyse system architecture

24. SYSTEM INTERFERENCE

24.1 You must not:

• interfere with the Website

• disrupt services

• overload systems

25. SECURITY BREACH ATTEMPTS

25.1 You must not attempt to:

• gain unauthorised access

• bypass security controls

• exploit vulnerabilities

26. ACCOUNT AND ACCESS MISUSE

26.1 Where access to secure areas is provided:

• credentials must be kept confidential

• unauthorised use is prohibited

27. USER-GENERATED CONTENT

27.1 Where the Website allows submission of content:

• you are responsible for that content

• content must not be unlawful or misleading

28. LICENSE TO USER CONTENT

28.1 By submitting content, you grant Digital Capital:

• a non-exclusive

• royalty-free

• worldwide license to use that content for operational purposes.

29. REMOVAL OF CONTENT

29.1 We may remove content where:

• it breaches these Terms

• it creates risk

30. DATA MISUSE

30.1 You must not:

• misuse personal data

• collect data without consent

• breach data protection laws

31. VIRUSES AND MALICIOUS CODE

31.1 You must not:

• introduce viruses

• upload malicious code

• attempt to damage systems

32. MONITORING

32.1 We may monitor use of the Website to:

• detect misuse

• protect systems

33. ENFORCEMENT ACTIONS

33.1 Where misuse occurs, we may:

• restrict access

• block users

• take legal action

34. REPORTING MISUSE

34.1 Suspected misuse may be reported to:

• authorities

• regulators

35. THIRD-PARTY SERVICES

35.1 The Website may rely on third-party services.

35.2 We are not responsible for their performance.

36. SYSTEM DEPENDENCIES

36.1 Website functionality depends on:

• networks

• third-party infrastructure

37. SERVICE LIMITATIONS

37.1 We do not guarantee that:

• the Website is error-free

• the Website is secure

38. USER LIABILITY

38.1 You are responsible for:

• your use of the Website

• any consequences of misuse

39. SUSPENSION OF ACCESS

39.1 We may suspend access where:

• misuse is detected

• risk is identified

40. INVESTIGATION

40.1 We may investigate suspected breaches.

40.2 This may involve:

• system analysis

• data review

41. COOPERATION

41.1 You must cooperate with investigations.

42. COST RECOVERY

42.1 We may recover costs arising from misuse.

43. RESERVATION OF RIGHTS

43.1 All rights not expressly granted are reserved.

44. GENERAL LIABILITY PRINCIPLES

44.1 Nothing in these Website Terms excludes or limits liability where such exclusion is not permitted by law.

44.2 Subject to clause 44.1, liability is limited as set out below.

45. DISCLAIMER OF WARRANTIES

45.1 The Website is provided on an “as is” and “as available” basis.

45.2 We do not guarantee that:

• the Website will be uninterrupted

• the Website will be error-free

• the Website will be secure

46. LIMITATION OF LIABILITY

46.1 To the fullest extent permitted by law, Digital Capital Ltd is not liable for:

• indirect or consequential losses

• loss of profit, business or opportunity

• loss arising from reliance on Website content

47. LIABILITY FOR WEBSITE USE

47.1 We are not responsible for:

• how you use the Website

• decisions made based on Website content

48. THIRD-PARTY CONTENT AND SERVICES

48.1 We are not liable for:

• third-party websites

• external services

• linked content

49. TECHNICAL ISSUES

49.1 We are not liable for:

• system failures

• network issues

• downtime

50. SECURITY LIMITATIONS

50.1 While we implement security measures, we do not guarantee that:

• the Website is free from vulnerabilities

• access will be secure at all times

51. FORCE MAJEURE

51.1 We are not liable for events beyond our control, including:

• system outages

• network failures

• regulatory actions

• natural disasters

52. USER LIABILITY

52.1 You are responsible for:

• your use of the Website

• compliance with these Terms

53. INDEMNITY

53.1 You agree to indemnify Digital Capital Ltd against losses arising from:

• misuse of the Website

• breach of these Terms

54. REGULATORY POSITION

54.1 The Website does not constitute:

• provision of regulated services

• a binding offer

54.2 Regulated services are governed by separate agreements.

55. CHANGES TO TERMS

55.1 We may update these Website Terms at any time.

55.2 Continued use of the Website constitutes acceptance.

56. SUSPENSION AND TERMINATION

56.1 We may suspend or terminate access where:

• misuse is identified

• risk arises

57. SEVERABILITY

57.1 If any provision is invalid, the remainder remains in force.

58. WAIVER

58.1 Failure to enforce a provision does not constitute a waiver.

59. THIRD-PARTY RIGHTS

59.1 These Terms do not create rights for third parties.

60. GOVERNING LAW

60.1 These Website Terms are governed by the laws of England and Wales.

61. JURISDICTION

61.1 The courts of England and Wales have jurisdiction.

62. ENTIRE AGREEMENT (WEBSITE)

62.1 These Website Terms govern Website use only.