Terms & Conditions

Last Updated: May 27, 2025

1. Acceptance of Terms

Welcome to Plouta.com ("Website," "Site," "Service"), operated by Plouta Technologies Ltd ("Plouta," "we," "us," "our"). These Terms and Conditions ("Terms") govern your access to and use of our Website and services.

By accessing or using Plouta.com, you agree to be bound by these Terms and our Privacy Policy (which is incorporated herein by reference). If you do not agree to all of these Terms, do not access or use the Website.

Plouta Technologies Ltd is a company registered in England and Wales (Company Number: 16442984) with its registered office at 189 Belmont Road, Erith, DA8 1LE. Our contact email is support@plouta.com.

2. About Plouta.com

Plouta.com is a platform that:

  • Connects individuals and businesses ("Users," "you," "your") seeking financial guidance with financial advisers who are, to our knowledge, authorised and regulated by the Financial Conduct Authority ("FCA") in the United Kingdom ("Advisers").

  • Provides articles, tips, and general educational information ("Content") related to financial matters.

Important Disclaimers:

  • Plouta Technologies Ltd is NOT an authorised financial adviser and does NOT provide financial advice, recommendations, or endorsements for any specific financial product or Adviser. Our Service is limited to providing information and facilitating connections.

  • Any information or Content provided on Plouta.com is for general educational and informational purposes only. It should not be considered as financial, investment, legal, or tax advice, nor as a substitute for professional advice tailored to your specific circumstances.

  • The financial advice you may receive is provided solely by the independent Adviser you choose to engage with. Plouta is not a party to any agreement or relationship formed between you and an Adviser.

3. User Eligibility and Accounts

  • You must be at least 18 years old and capable of entering into legally binding contracts to use our Service.

  • If you create an account on Plouta.com, you are responsible for maintaining the confidentiality of your account information, including your password, and for all activities that occur under your account.

  • You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.

4. Use of Our Service

  • Permitted Use: You may use Plouta.com to search for and connect with Advisers, access our Content for personal, non-commercial use, and utilize any tools or features provided as intended.

  • Prohibited Uses: You agree not to:

    • Use the Website or its Content for any unlawful purpose or in any way that breaches applicable local, national, or international law or regulation.

    • Misrepresent your identity or provide false information.

    • Attempt to gain unauthorized access to our Website, servers, or any associated databases.

    • Introduce viruses, trojans, worms, logic bombs, or other material that is malicious or technologically harmful.

    • Scrape, copy, or otherwise extract data or Content from the Website for commercial purposes without our express written consent.

    • Use the Service to solicit, advertise, or contact Advisers or Users for any purpose not directly related to receiving or providing financial advice as facilitated by Plouta.com.

5. Relationship with Financial Advisers

  • Verification: Plouta takes reasonable steps to verify that Advisers listed on our platform are authorised by the FCA at the time of their onboarding. However, we do not guarantee the continued FCA authorisation status of any Adviser and recommend you verify this independently via the FCA Register.

  • Independence of Advisers: Advisers are independent third parties and are not employees, agents, or representatives of Plouta.

  • Your Responsibility: The decision to engage with an Adviser is yours alone. You are responsible for conducting your own due diligence before engaging an Adviser, including reviewing their terms of business, fees, and ensuring they are suitable for your specific needs.

  • No Endorsement: While Plouta facilitates connections, we do not endorse, recommend, or guarantee the quality, suitability, or outcomes of the services provided by any Adviser. Any ratings or reviews displayed on our site are opinions of other users and not an endorsement by Plouta.

  • Disputes with Advisers: Any dispute you may have with an Adviser regarding their services, advice, or fees is solely between you and that Adviser. Plouta is not responsible for and will not mediate such disputes.

6. Intellectual Property Rights

  • All content, branding, design, text, graphics, software, and other material on Plouta.com (collectively, "Our Content") are the property of Plouta Technologies Ltd or our licensors and are protected by copyright, trademarks, and other intellectual property laws.

  • We grant you a limited, non-exclusive, non-transferable, revocable license to access and use Our Content for your personal, non-commercial use in connection with the Service. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of Our Content without our prior written consent.

7. Disclaimers

  • THE WEBSITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

  • WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

  • WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY CONTENT PROVIDED ON THE WEBSITE (INCLUDING EDUCATIONAL MATERIALS) OR THE QUALIFICATIONS, EXPERTISE, OR ADVICE OF ANY ADVISER. RELIANCE ON ANY INFORMATION PROVIDED BY PLOUTA, PLOUTA EMPLOYEES, OR OTHER VISITORS TO THE SITE IS SOLELY AT YOUR OWN RISK.

  • WE DO NOT GUARANTEE THAT YOU WILL FIND A SUITABLE ADVISER THROUGH OUR SERVICE OR THAT YOU WILL ACHIEVE ANY PARTICULAR OUTCOME AS A RESULT OF ENGAGING WITH AN ADVISER.

  • Editorial Disclaimer: The editorial content on this site is not provided by the companies whose products are featured. Any opinions, analyses, reviews, or evaluations provided here are those of the author alone and have not been reviewed, approved, or otherwise endorsed by the Advertiser.

8. Limitation of Liability

  • TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, PLOUTA TECHNOLOGIES LTD (INCLUDING ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES) SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

    • YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICE;

    • ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICE, INCLUDING WITHOUT LIMITATION, ANY DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES (INCLUDING ADVISERS);

    • ANY ADVICE, SERVICE, OR AGREEMENT PROVIDED BY OR ENTERED INTO WITH AN ADVISER MET THROUGH OUR SERVICE;

    • UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT.

  • IN NO EVENT SHALL PLOUTA'S AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE EXCEED THE GREATER OF ONE HUNDRED POUNDS STERLING (£100) OR THE AMOUNT YOU PAID PLOUTA, IF ANY, IN THE LAST SIX MONTHS FOR THE SERVICE GIVING RISE TO THE CLAIM.

  • THIS LIMITATION OF LIABILITY DOES NOT APPLY TO LIABILITY RESULTING FROM OUR GROSS NEGLIGENCE OR WILLFUL MISCONDUCT, OR FOR DEATH OR PERSONAL INJURY CAUSED BY OUR NEGLIGENCE, OR FOR FRAUD OR FRAUDULENT MISREPRESENTATION, OR ANY OTHER LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

9. Indemnification

You agree to defend, indemnify, and hold harmless Plouta Technologies Ltd, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Service, including, but not limited to, any use of the Website's content, services, and products other than as expressly authorized in these Terms or your use of any information obtained from the Website, or your interaction with any Adviser.

10. Third-Party Links and Services

Our Website may contain links to third-party websites or services that are not owned or controlled by Plouta. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that Plouta shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

11. Modification of Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.

12. Termination

We may terminate or suspend your access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the Service will immediately cease.

13. Governing Law and Jurisdiction

These Terms shall be governed and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions. You agree that any legal action or proceeding arising out of or relating to these Terms or the Service shall be brought exclusively in the courts of England and Wales.

14. General Provisions

  • Entire Agreement: These Terms and our Privacy Policy constitute the entire agreement between you and Plouta Technologies Ltd concerning your use of the Website and supersede all prior agreements and understandings, whether written or oral.

  • Severability: If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

  • No Waiver: No waiver by Plouta of any term or condition set out in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Plouta to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

  • Assignment: You may not assign or transfer these Terms, by operation of law or otherwise, without Plouta's prior written consent. Any attempt by you to assign or transfer these Terms, without such consent, will be null. Plouta may freely assign or transfer these Terms without restriction.

15. Contact Us

If you have any questions about these Terms, please contact us at: Plouta Technologies Ltd 189 Belmont Road, Erith, DA8 1LE Email: support@plouta.com