Introduction: These terms and conditions govern your use of this Website. By accessing or using the Website, you agree to comply with these terms. If you disagree with any part of these terms, you should stop using the Website immediately.

Definitions: In these terms and conditions, "User" or "Users" refers to anyone accessing the Website, excluding employees or consultants of A&T Financial Services Ltd. You must be at least 18 years old to use this Website.

Intellectual Property and Acceptable Use: All content on this Website, unless uploaded by Users, is owned by A&T Financial Services Ltd or its affiliates. Content includes text, graphics, images, audio, video, software, data compilations, and page layout. You can use the content for personal, non-commercial purposes but must not reproduce, modify, distribute, or use it for commercial purposes without written permission.

Prohibited Use: You may not use the Website in a way that damages it, interferes with other users, or violates applicable laws. This includes causing harm, transmitting copyrighted content without permission, and engaging in illegal or abusive behavior.

Privacy Policy: The use of this Website is governed by our Privacy Policy, which is incorporated into these terms by reference.

Availability and Disclaimers: The Website and its services are provided "as is" and "as available." Although we make reasonable efforts to ensure security and accuracy, A&T Financial Services Ltd does not guarantee the Website's functionality, accuracy, or availability. Users are responsible for their own security and data protection.

Limitation of Liability: A&T Financial Services Ltd is not liable for any loss or damage arising from using the Website, including business losses, data corruption, or indirect damages. This limitation does not apply to cases of negligence, fraud, or events beyond our control.

General: These terms and conditions may be updated by A&T Financial Services Ltd. The updated version will apply from the date of publication. The agreement between the parties, including these terms, the Privacy Policy, and the Cookies Policy, constitutes the entire understanding regarding the Website. These terms are governed by English law, and disputes will be subject to the exclusive jurisdiction of English and Welsh courts.