PLEASE READ THESE TERMS CAREFULLY BEFORE USING THIS WEBSITE. THEY INCLUDE IMPORTANT PROVISIONS WHICH LIMIT OUR LEGAL LIABILITY TO YOU.

1. About us and how to contact us

1.1 This website at www.antiparosadvisory.com (the “Site”) is operated by Antiparos Advisory Limited (“we”, “us” or “our”), a limited liability company incorporated and registered in the Republic of Bulgaria under unified identification code (UIC) 208287675, whose registered office is at Ul. Vera Mutachieva 3-4, Sofia 1407, Bulgaria.

1.2 You can contact us by email at elle@antiparosadvisory.com or by post at the registered office address given above. If you contact us about these Terms, please mark your message “Terms of Use enquiry”.

2. These Terms

2.1 These terms of use, together with the documents referred to in them (the “Terms”), set out the terms on which you may access and use the Site and the articles, commentary, descriptions of services, and all other material made available on or through the Site (the “Content”).

2.2 By accessing or using the Site you confirm that you have read, understood and agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Site.

2.3 The Site is directed at businesses, professionals and organisations. It is not intended for, and is not directed at, consumers. By using the Site you confirm that you are accessing it in the course of a business, trade, profession or other professional capacity, and that you have authority to bind any organisation on whose behalf you access the Site. Nothing in these Terms affects any rights that you may have as a consumer which cannot lawfully be excluded or limited.

2.4 If you are accessing the Site on behalf of an organisation, “you” means both you personally and that organisation, and you and that organisation are jointly and severally bound by these Terms.

3. Changes to these Terms and to the Site

3.1 We may amend these Terms at any time and without prior notice. The Terms in force at any given time are those posted on the Site. Please check this page from time to time. Your continued use of the Site after any amendment constitutes your acceptance of the amended Terms.

3.2 We may change, suspend, withdraw or restrict the availability of all or any part of the Site, and may remove or alter any Content, at any time and without notice or liability to you. We do not guarantee that the Site or any Content will always be available or uninterrupted.

3.3 These Terms will survive any discontinuation of the Site.

4. Nature of the Site

4.1 The Site is an informational and promotional website. Its purpose is to describe our services and to make available thought leadership articles and general commentary.

4.2 The Site is not a platform for the delivery of services. No service is provided to you through the Site, and no fee is charged for accessing it.

4.3 Descriptions of our services on the Site are indicative and promotional only. They do not constitute an offer capable of acceptance, and the scope of any service we actually provide is determined solely by the written engagement under which it is provided.

5. No advice — important

5.1 The Content is provided for general information purposes only. It does not constitute, and must not be relied upon as, legal, regulatory, compliance, financial, tax, investment or any other form of professional advice.

5.2 The Content is general in nature. It is not tailored to your circumstances, does not take account of any particular facts, and may not be appropriate to your situation. Legal and regulatory requirements differ between jurisdictions, change frequently, and are often fact-specific.

5.3 You must not act, or refrain from acting, on the basis of any Content without obtaining specific professional advice on your own circumstances from an appropriately qualified adviser in the relevant jurisdiction.

5.4 The Content reflects our understanding of the position as at the date of publication only. We are under no obligation to update any Content, and Content may become out of date, incomplete or inaccurate over time. Publication dates shown on articles indicate when the article was written, not when it was last verified.

5.5 Any views expressed in articles or commentary on the Site are those of the author at the time of writing and do not necessarily represent the views of Antiparos Advisory Limited, any client, or any other person.

5.6 Nothing on the Site constitutes an offer, solicitation, recommendation or invitation to buy, sell or subscribe for any security or financial instrument, or to engage in any transaction or arrangement.

6. No client relationship — important

6.1 Your access to or use of the Site, and any communication you send to us through the Site or by email, does not create any adviser–client, lawyer–client, attorney–client, retainer or other professional relationship between you and us, and does not give rise to any duty of care on our part.

6.2 We accept instructions and take on engagements only pursuant to a signed written engagement letter or services agreement which identifies the client, defines the scope of work, and sets out the applicable terms. Until such a document is in force, we owe you no obligations of any kind.

6.3 We are not a law firm. Antiparos Advisory Limited is not a law firm, is not a member of any bar association, and is not authorised, licensed or regulated as a provider of legal services in any jurisdiction. We do not carry on the practice of law. In particular, we do not:

(a) provide legal representation or act for you in any litigation, arbitration, mediation or regulatory proceeding;

(b) appear before, or make submissions to, any court, tribunal, regulator or public authority as your legal representative; or

(c) provide any service which is reserved by law to admitted lawyers, advocates, solicitors, barristers, attorneys or notaries in any jurisdiction.

6.4 No holding out. No individual acts in the capacity of an admitted attorney, solicitor, barrister or lawyer, or holds themselves out as doing so, when providing services through Antiparos Advisory Limited or when preparing any Content on the Site. Any reference on the Site to legal qualifications, admissions, experience or professional background is provided in order to describe relevant expertise, and must not be read as an offer to provide, or as the provision of, regulated legal services in any jurisdiction.

6.5 No regulatory protection. Because we are not a regulated law firm, the protections that would apply if you instructed a regulated law firm do not apply to our services. In particular: we do not operate a client account and will not hold client money; you have no recourse to any bar association, law society, legal services regulator, legal ombudsman, compensation fund or client-protection scheme in respect of our services; and our professional indemnity insurance is that of a consultancy business, and is not the compulsory professional indemnity insurance required of a regulated law firm. Details of our insurance cover are available on request.

6.6 No Bulgarian legal services. Neither Antiparos Advisory Limited nor any individual associated with it is admitted to the Bulgarian Bar, or holds any licence, registration or authorisation to practise law or to provide legal services in the Republic of Bulgaria. Accordingly:

(a) we do not provide legal advice on Bulgarian law;

(b) we do not provide legal services in, or in relation to, Bulgaria, and we do not hold ourselves out as entitled to do so;

(c) the fact that Antiparos Advisory Limited is incorporated and registered in Bulgaria reflects its place of registration and administration only, and must not be taken to indicate that it practises law there or is regulated there as a legal services provider; and

(d) where advice on Bulgarian law is required, you must obtain it from an advocate (“адвокат”) admitted to the Bulgarian Bar.

6.7 We do not provide legal advice ourselves. Our services consist of consultancy and advisory support on legal, regulatory and compliance matters of the kind described on the Site. We do not ourselves provide legal advice or advice on the law of any jurisdiction. Where a matter requires legal advice, regulated legal services, legal representation, or advice on the law of a particular jurisdiction, clause 6.8 applies.

6.8 Working in association with law firms. Where a matter requires regulated legal services, legal representation, or advice on the law of a particular jurisdiction, we may work in association with, alongside, or under the supervision of one or more independent law firms or admitted lawyers, or may introduce or refer you to them. In that event:

(a) any such law firm or lawyer is an independent third party. It is not our partner, agent, employee, subsidiary, affiliate or joint venturer, and we are not theirs;

(b) any regulated legal advice or legal representation is provided by that law firm or lawyer to you directly, under its own engagement terms, and subject to its own professional obligations, regulatory supervision and professional indemnity insurance;

(c) it is for you to satisfy yourself as to the suitability, standing, regulatory status and insurance of any such law firm or lawyer, and to agree terms with it directly;

(d) we do not warrant, endorse or guarantee, and accept no responsibility or liability for, any advice, service, act or omission of any such law firm or lawyer; and

(e) we make no representation that any introduction or referral will be made, or that any particular law firm will be willing or able to act; and

(f)  where an individual associated with Antiparos Advisory Limited also acts for you through such a law firm, they do so in their capacity as a lawyer of that firm and under that firm’s engagement, supervision, regulatory obligations and insurance, and not on behalf of or through Antiparos Advisory Limited. Any legal fees for that work are charged by that firm, not by us.

6.9 Nothing on the Site, including any reference to working with, in association with, or alongside law firms or admitted lawyers, means that we provide legal services, that we do so under the supervision of any regulator, or that any regulatory protection, compensation scheme, client account protection or complaints procedure applicable to law firms or admitted lawyers applies to us or to our services.

6.10 No privilege. No legal professional privilege, litigation privilege, advocate–client confidentiality, attorney–client privilege or equivalent protection arises in respect of any communication with us, whether through the Site or otherwise, unless and to the extent expressly agreed in a written engagement and available as a matter of law. Where privilege is important to you, you should obtain advice directly from an appropriately qualified and admitted lawyer, engaged by you, before communicating sensitive information.

7. Jurisdictional scope

7.1 The Site is operated from Bulgaria. We make no representation that the Content is appropriate, accurate, complete or available for use in any particular jurisdiction, or that access to the Site is lawful in your jurisdiction.

7.2 If you access the Site from outside Bulgaria, you do so on your own initiative and you are responsible for compliance with all applicable local laws. You must not access or use the Site where to do so would be unlawful.

7.3 The Site is not intended to solicit business, or to constitute the practice of law or the provision of legal services, in any jurisdiction where to do so would require an admission, licence, registration or authorisation that we do not hold. In particular, and without limiting clause 6.6, the Site is not an offer to provide legal services in Bulgaria.

8. Unsolicited information

8.1 Please do not send us confidential, privileged or sensitive information unless and until we have agreed in writing to receive it.

8.2 Any information you send to us through the Site, through any contact form, or by unsolicited email will not be treated as confidential and will not create any obligation of confidentiality on our part, save to the extent required by applicable data protection law. We may be acting, or may in future act, for other parties whose interests conflict with yours, and receipt of unsolicited information will not prevent us from doing so.

8.3 We may decline to read, may delete, or may return any unsolicited communication at our discretion.

9. Intellectual property

9.1 All intellectual property rights in the Site and the Content, including copyright, database rights, design rights, know-how and rights in trade marks, are owned by or licensed to us. All such rights are reserved.

9.2 Subject to your compliance with these Terms, we grant you a limited, revocable, non-exclusive, non-transferable licence to access the Site and to view, download and print individual pages or articles for your own internal business or personal reference use only.

9.3 You must not, without our prior written consent:

(a) reproduce, republish, redistribute, transmit, licence, sell, rent or otherwise commercially exploit any part of the Content;

(b) modify, adapt or create derivative works from any Content;

(c) remove, obscure or alter any copyright, trade mark or other proprietary notice;

(d) use any Content in any marketing, promotional, training, advertising or client-facing material; or

(e) use any Content, in whole or in part, for the purposes of training, developing, fine-tuning or evaluating any artificial intelligence or machine learning model, or carry out any text or data mining or web scraping in respect of the Site.

9.4 You may quote short extracts from articles published on the Site for the purposes of comment, criticism, review or news reporting, provided that the extract is not distorted, that Antiparos Advisory Limited and the author are clearly credited, and that a link to the original page on the Site is included where the medium permits.

9.5 You may link to the home page of the Site provided you do so in a way that is fair and lawful, does not damage our reputation or take advantage of it, and does not suggest any form of association, approval or endorsement on our part where none exists. You must not frame the Site on any other site, or establish a link from any site that is not owned by you. We may withdraw linking permission at any time without notice.

10. Trade marks

10.1 “Antiparos Advisory” and any other trade names, trade marks, service marks, logos and get-up displayed on the Site (whether registered or unregistered) are proprietary to us or to their respective owners and are protected by applicable trade mark and unfair competition laws.

10.2 Nothing on the Site should be construed as granting any licence or right to use any such mark. Any unauthorised use is strictly prohibited.

11. Copyright complaints

11.1 If you believe in good faith that material on the Site infringes your copyright or other intellectual property rights, please notify us by email at elle@antiparosadvisory.com, marking your message “IP infringement notice”, and including: (a) identification of the material complained of and its location on the Site; (b) identification of the right you say has been infringed and the basis of your claim to own or control it; (c) your name and contact details; and (d) a statement that the information in your notice is accurate.

11.2 We will review any properly made notice and, where appropriate, remove or disable access to the material complained of. If you believe material of yours has been removed in error, you may notify us using the same address and we will reconsider. We recommend that you take your own legal advice before submitting a notice or counter-notice.

12. Permitted and prohibited use

12.1 You may use the Site only for lawful purposes and in accordance with these Terms.

12.2 You must not:

(a) use or attempt to use any automated device, robot, spider, scraper, program, tool, algorithm or process (or any manual process having equivalent effect) to access, acquire, copy, index or monitor any part of the Site or the Content, without our prior written consent;

(b) obtain or attempt to obtain any material or information on or through the Site that has not been intentionally made publicly available;

(c) attempt to breach the security of the Site, or gain or attempt to gain unauthorised access to the Site, to any server, computer, database or network connected to the Site, or to any data or account, whether by hacking, password mining, credential stuffing or any other means;

(d) introduce or attempt to introduce any virus, trojan, worm, logic bomb, ransomware, spyware, keystroke logger or other malicious or technologically harmful material;

(e) interfere or attempt to interfere with the proper working of the Site;

(f)  take any action which imposes, or which we consider in our sole discretion may impose, an unreasonable or disproportionate load or burden on the Site or its infrastructure, including any denial-of-service or distributed denial-of-service attack;

(g) use the Site to transmit or procure the sending of any unsolicited or unauthorised advertising or promotional material; or

(h) impersonate any person or misrepresent your identity or affiliation.

12.3 A breach of clause 12.2 may constitute a criminal offence under applicable law, including the Bulgarian Criminal Code and, where relevant, the Computer Misuse Act 1990 of the United Kingdom. We will report any such breach to the relevant law enforcement authorities and will co-operate with them by disclosing your identity to them. In the event of such a breach, your right to use the Site will cease immediately.

13. Mailing list and communications

13.1 The Site may allow you to subscribe to receive articles, updates and other communications from us by email (the “Mailing List”).

13.2 By subscribing, you consent to receive such communications at the email address you provide. You confirm that the email address is yours or that you are authorised to use it for this purpose.

13.3 You may unsubscribe at any time, free of charge, using the unsubscribe link in any email we send or by emailing us at elle@antiparosadvisory.com. We will action your request without undue delay.

13.4 Mailing List communications are informational and promotional. They are subject to clauses 5 and 6 of these Terms in the same way as Content on the Site: they do not constitute advice and do not create any client relationship.

13.5 We may discontinue the Mailing List, or change its frequency, format or content, at any time.

13.6 We handle your subscription data in accordance with our Privacy Policy.

14. Privacy and cookies

14.1 We process personal data collected through the Site in accordance with our Privacy Policy [at [INSERT LINK]] and our Cookie Notice [at [INSERT LINK]], each of which forms part of these Terms by reference.

14.2 By using the Site you acknowledge that you have read the Privacy Policy and the Cookie Notice. If you do not agree with them, you must not use the Site.

15. Third-party links and content

15.1 The Site may contain links to websites, resources, documents and materials belonging to or operated by third parties, and may reproduce or refer to third-party content.

15.2 Such links and references are provided for your convenience and information only. They do not signify that we endorse, approve or have verified those websites, their operators, or any content, product or service available through them.

15.3 We have no control over the contents of third-party websites or resources and accept no responsibility or liability for them, for their availability, or for any loss or damage arising from your use of them. Your use of any third-party website is at your own risk and subject to that third party’s own terms and policies.

15.4 We assume no responsibility for the use of any third-party software, plug-in, widget or embedded service on the Site, and accept no liability to any person for the accuracy, completeness or availability of any output generated by such software.

16. Availability and internet risk

16.1 You use the internet at your own risk. Although we take reasonable steps to operate the Site securely, the confidentiality, integrity and delivery of any communication transmitted to or from the Site over the internet cannot be guaranteed. We are not responsible for the security of information transmitted over the internet.

16.2 We do not guarantee that the Site or any Content will be free from viruses or other harmful code. You are responsible for configuring your own information technology, computer programmes and platform to access the Site, and for using your own virus protection software.

16.3 We accept no liability in respect of any loss or damage arising from changes made to the Site or the Content by unauthorised third parties.

17. Your responsibility

17.1 You are responsible for making your own assessment of the accuracy, completeness, currency and suitability of any Content, and for any decision you take or refrain from taking on the basis of it.

17.2 You agree to indemnify us and keep us indemnified against all losses, liabilities, costs and expenses (including reasonable legal fees) that we suffer or incur arising out of or in connection with any breach by you of these Terms or any unlawful use by you of the Site.

18. Disclaimer of warranties

18.1 The Site and the Content are provided on an “as is” and “as available” basis.

18.2 While we have taken reasonable care in preparing the Content, to the maximum extent permitted by applicable law we exclude all conditions, warranties, representations, undertakings and other terms, whether express or implied by statute, common law or otherwise, including (without limitation) as to:

(a) the accuracy, completeness, currency, reliability or fitness for purpose of the Site or any Content;

(b) the availability, continuity, security or error-free or uninterrupted operation of the Site; and

(c) the appropriateness or availability of the Site or any Content for use in any particular jurisdiction.

19. Exclusion and limitation of liability — important

Please read this clause carefully. Its effect is that we accept no liability to you in connection with the Site or the Content.

19.1 No assumption of responsibility and no duty of care. In making the Site and the Content available we do not assume, and we expressly disclaim, any responsibility or duty of care to you or to any other person in respect of the Site or the Content. The Content is published for general information, is not directed to the circumstances of any particular person, and is made available without any knowledge of, or enquiry into, the use to which any reader may put it. Accordingly, we owe you no duty of care in respect of the Site or the Content, and any reliance you place on the Content is placed entirely at your own risk and on the express basis that no such duty arises.

19.2 No liability. Subject only to clause 19.6, we shall have no liability of any kind to you, whether in contract, in tort (including negligence and negligent misstatement), for breach of statutory duty, for misrepresentation, under any indemnity, in restitution or otherwise, arising out of or in connection with:

(a) your access to, use of, or inability to access or use, the Site or the Content;

(b) any reliance placed on the Content, whether by you or by any person to whom you communicate it;

(c) any error, omission, inaccuracy, incompleteness or lack of currency in the Content;

(d) any unavailability, suspension, withdrawal, alteration or discontinuation of the Site or any Content;

(e) any virus, malicious code or other harmful material, or any unauthorised access to, or alteration of, the Site or the Content by any third party; or

(f)  the acts, omissions, advice or services of any independent law firm, admitted lawyer, other third-party professional, or third-party website or resource referred to on the Site, introduced or referred by us, or with whom we work in association, whether or not identified to you by us.

19.3 The exclusion in clause 19.2 applies to all loss and damage of every kind, however arising, and includes (without limitation) any:

(a) loss of profits, revenue, sales, business or contracts;

(b) loss of anticipated savings;

(c) loss of or corruption of data or software;

(d) loss of use, opportunity or business interruption;

(e) loss of goodwill or damage to reputation;

(f)  regulatory fine, penalty, sanction or the cost of any regulatory investigation or remediation;

(g) cost of obtaining substitute advice or services; or

(h) any indirect, special, incidental, consequential or punitive loss or damage, or any loss or damage that was not reasonably foreseeable,

in each case whether direct or indirect, and whether or not we were advised of the possibility of such loss.

19.4 No personal liability of individuals. Any claim you may have in connection with the Site or the Content may be brought only against Antiparos Advisory Limited. No director, officer, shareholder, employee, consultant, contractor, agent or other individual associated with Antiparos Advisory Limited owes you any personal duty of care, or shall have any personal liability to you, in respect of the Site or the Content, and you agree not to bring any claim against any such individual. This clause 19.4 is intended to confer a benefit on each such individual, and each of them may enforce it.

19.5 Time limit for claims. Any claim arising out of or in connection with the Site or the Content must be notified to us in writing, with reasonable particulars, within six months of the date on which you first became aware, or ought reasonably to have become aware, of the circumstances giving rise to it, and any proceedings in respect of it must be commenced within twelve months of that date. Any claim not notified and commenced within those periods is irrevocably waived and absolutely barred.

19.6 Liabilities that cannot lawfully be excluded. Nothing in these Terms excludes or limits our liability for: (a) death or personal injury caused by our negligence; (b) fraud or fraudulent misrepresentation; or (c) any other liability which cannot lawfully be excluded or limited under applicable law.

19.7 If any exclusion fails. If any exclusion in this clause 19 is held by a court or tribunal of competent jurisdiction to be unenforceable in whole or in part, then to the extent of that unenforceability only, our total aggregate liability to you arising out of or in connection with the Site, the Content and these Terms, for all claims taken together, shall not exceed EUR 100 (one hundred euro). If that limit is itself held unenforceable, our liability shall be limited to the lowest amount permitted by applicable law.

19.8 Basis on which the Site is made available. The Site and the Content are made available free of charge, for general information only, without any assessment of your circumstances, and on the express basis of clauses 5, 6, 18 and 19. You acknowledge that these exclusions are reasonable, that they reflect a fair allocation of risk in circumstances where we receive no payment from you and derive no benefit from your use of the Site, and that we would not make the Site and the Content available on any other basis.

19.9 Different provisions apply to any services we provide to you under a written engagement. Nothing in this clause 19 affects the liability provisions of any such engagement.

20. Termination and suspension

20.1 These Terms take effect when you first access the Site and continue for so long as you use it. Clauses 5, 6, 8, 9, 17, 18, 19, 21 and 22 survive termination.

20.2 We may, at our absolute discretion and without notice or liability, deny or suspend your access to the Site or any part of it, including by blocking your IP address.

21. General

21.1 Waiver. No failure or delay by us in exercising any right or remedy under these Terms shall operate as a waiver of it, nor shall it prevent or restrict any further exercise of that or any other right or remedy.

21.2 Severability. If any provision of these Terms is or becomes invalid, illegal or unenforceable, it shall be deemed modified to the minimum extent necessary to make it valid, legal and enforceable, or if such modification is not possible, deemed deleted. The remaining provisions shall continue in full force and effect.

21.3 Assignment. These Terms are personal to you. You may not assign, transfer, charge or otherwise deal with your rights or obligations under them. We may assign or transfer our rights and obligations under these Terms at any time.

21.4 No partnership or agency. Nothing in these Terms creates any partnership, joint venture, agency or employment relationship between us.

21.5 Third party rights. These Terms do not give rise to any rights enforceable by any person who is not a party to them.

21.6 Other agreements. Access to or use of certain material or services may be subject to separate written agreements with us (“Other Agreements”), including any engagement letter or services agreement. In the event of any conflict or inconsistency between these Terms and an Other Agreement, the Other Agreement shall prevail in respect of its subject matter.

21.7 Entire agreement. Except in respect of any Other Agreement, these Terms (together with the Privacy Policy and Cookie Notice) constitute the entire agreement between you and us in relation to your access to and use of the Site, and supersede all prior communications, representations, understandings and proposals, whether written or oral. Nothing in this clause limits liability for fraud or fraudulent misrepresentation.

21.8 Rights reserved. Any rights not expressly granted in these Terms are reserved.

22. Governing law and jurisdiction

22.1 These Terms, their subject matter and their formation, and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with them or with your use of the Site, are governed by and shall be construed in accordance with the laws of England and Wales.

22.2 The courts of England and Wales shall have exclusive jurisdiction to settle any such dispute or claim, and you irrevocably submit to the jurisdiction of those courts.

22.3 Clauses 22.1 and 22.2 apply without prejudice to any mandatory rights or protections available to you under the law of your country of habitual residence which cannot be excluded by agreement, and without prejudice to any mandatory provisions of Bulgarian law applicable to us as a Bulgarian company.

Antiparos Advisory Limited, UIC 208287675, registered office Ul. Vera Mutachieva 3-4, Sofia 1407, Republic of Bulgaria.