PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE

1. Introduction

1.1. These terms and conditions (“Terms”) govern your use of the website www.etfcircle.com (the “Site”), operated by Kanyie Media Ltd (“we”, “us”, “our”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, you must not use the Site.
1.2. These Terms incorporate by reference our Privacy Policy, Acceptable Use Policy, and Cookie Policy.

2. Legal Notice & Disclaimer

2.1. ETF Circle is owned and operated by Kanyie Media Ltd, registered in England and Wales (Company No. 14046760), registered office: 71-75 Shelton Street, London, WC2H 9JQ.
2.2. Copyright © 2024–2025. All rights reserved. “ETF Circle” is a registered brand of Kanyie Media Ltd.
2.3. Contact: info@etfcircle.com or info@kanyiemedia.com.
2.4. Disclaimer – All content on our Site, including news, articles, directories, events, learning materials, and job listings, is provided for informational and educational purposes only. We do not provide financial, investment, legal, or tax advice, and nothing on our Site should be relied upon as a recommendation to buy, sell, or hold any financial product or security. Always seek independent professional advice before making financial decisions.

3. Acceptance of Terms

3.1. By using the Site, you confirm that you accept these Terms and agree to comply with them.
3.2. We recommend that you print or save a copy of these Terms for future reference.

4. Changes to Terms

4.1. We reserve the right to amend these Terms at any time. Any updates will take effect when posted. Your continued use of the Site indicates your acceptance of the updated Terms.

5. Site Availability

5.1. We make reasonable efforts to keep the Site available but do not guarantee uninterrupted or error-free service.
5.2. We may suspend, withdraw, or restrict access for operational, business, or security reasons without prior notice.

6. Intellectual Property

6.1. All intellectual property rights in the Site’s content are owned by or licensed to us and are protected by copyright and trademark laws.
6.2. You may download or print content for personal, non-commercial use only. Any other use requires our written permission.

7. Use of AI and Automated Systems

7.1. Parts of our Site use artificial intelligence, automated decision-making, and machine learning technologies to provide personalised recommendations, content curation, analytics, and service improvements.
7.2. Your interactions with the Site, including uploaded content, feedback, and browsing behaviour, may be used (in aggregated, pseudonymised, or anonymised form where possible) for AI training, testing, and development.
7.3. We make reasonable efforts to ensure that AI-generated content is accurate, but we cannot guarantee its completeness, reliability, or suitability.
7.4. You must not rely solely on AI-generated outputs for making business, legal, or financial decisions.

8. Limitation of Liability

8.1. Nothing in these Terms excludes liability for death or personal injury caused by negligence, or for fraud.
8.2. We are not liable for any indirect, incidental, or consequential losses, including loss of profits, data, goodwill, or business opportunities.
8.3. The Site is provided “as is” without warranties of any kind, whether express or implied.

9. User-Generated Content

9.1. Users are solely responsible for content they upload to the Site.
9.2. Any content you upload must comply with our Acceptable Use Policy and will be treated as non-confidential and non-proprietary.
9.3. You grant us a perpetual, worldwide, royalty-free licence to use, reproduce, adapt, and distribute your content in connection with our services.

10. Data Collection and Use

10.1. We collect and process personal data as outlined in our Privacy Policy.
10.2. Data may be used for:

• Service provision and improvement;
• Research and analytics;
• AI training and development (in anonymised or pseudonymised form where possible);
• Marketing (with your consent).

11. External Links

11.1. Our Site may contain links to third-party websites. We have no control over their content and accept no responsibility for them.
11.2. We may receive commissions from certain affiliate links, which will not affect your cost.

12. Viruses and Security

12.1. We do not guarantee that the Site will be secure or free from malware.
12.2. You must not introduce viruses, trojans, or other harmful material to the Site.

13. Linking to Our Site

13.1. You may link to our homepage in a way that is fair and legal and does not damage our reputation.

14. Governing Law & Jurisdiction

14.1. These Terms are governed by the laws of England and Wales.
14.2. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

15. Trademarks

15.1. “ETF Circle” and associated logos are trademarks of Kanyie Media Ltd. Use without our approval is prohibited.

16. Entire Agreement

16.1. These Terms, together with our incorporated policies, constitute the entire agreement between you and us