Terms of Service

1. Acceptance

By accessing or using this website, you confirm that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree to these Terms, you must not use the website.

Minimum age: you must be at least 16 years old to use this website. If you are under 18, you represent that you have permission from a parent or legal guardian to use the site and that they have reviewed and agree to these Terms on your behalf.

2. Service description

Heather and Rose Health provides an educational website focused on trading fundamentals, financial market structure, terminology, and general strategy frameworks. The website may include articles, diagrams, explanations, examples, and learning resources intended to help users understand how markets operate and how common trading concepts are used.

Scope and limitations: the content is general information for educational purposes. It does not take into account your personal circumstances and is not a substitute for professional advice. We do not operate a brokerage, we do not accept deposits, we do not execute trades on your behalf, and we do not provide individualized investment recommendations.

3. User obligations

You agree to use the website lawfully and in a way that does not infringe the rights of others or restrict or inhibit anyone else’s use of the website. You are responsible for ensuring that your use of the website complies with applicable laws and regulations in your jurisdiction.

• Use the content as educational reference material and verify information independently where appropriate.
• Do not attempt to bypass security controls or interfere with site availability.
• Do not misrepresent your identity or affiliation with any person or organization.

Accounts: this website does not require user accounts for normal use. If we introduce optional account functionality in the future, you agree that you will maintain accurate information, keep credentials secure, and maintain no more than one account per person unless expressly permitted by us.

4. Intellectual property

Unless otherwise stated, all website content including text, graphics, layout, design elements, and code is owned by or licensed to Heather and Rose Health and is protected by intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the website for your personal, non-commercial educational purposes. You may not copy, reproduce, modify, distribute, publicly display, sell, license, or create derivative works from our content without our prior written consent.

5. Prohibited activities

You must not use the website to engage in any activity that is unlawful, harmful, or that could damage, disable, or impair the site or interfere with any other party’s use of the site.

• Scraping, crawling, or automated harvesting of content in a manner that imposes unreasonable load or violates robots or access controls.
• Reverse engineering, decompiling, or attempting to discover source code or underlying algorithms except where permitted by law.
• Impersonation, misrepresentation, or attempts to obtain confidential information from others through deception.
• Introducing malware, viruses, or any code intended to disrupt, damage, or gain unauthorized access to systems or data.
• Spamming, unsolicited promotions, or attempting to use the site to distribute advertising without authorization.
• Fraudulent behavior, including attempting to manipulate analytics, advertising measurement, or any site integrity signals.
• Violating third-party rights, including copyright, trademarks, privacy rights, or other proprietary rights.

6. Disclaimer of warranties

The website and all content are provided on an “as is” and “as available” basis. To the maximum extent permitted by law, we disclaim all warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the website will be uninterrupted, secure, error-free, or free from harmful components. We do not warrant the completeness, accuracy, or timeliness of the educational content. Financial markets change, and examples may become outdated.

7. Limitation of liability

To the maximum extent permitted by law, Heather and Rose Health shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, including loss of profits, loss of data, business interruption, or reputational harm, arising out of or relating to your use of or inability to use the website.

Our maximum aggregate direct liability for any claim arising out of or relating to the website shall be limited to the amount you paid to us in the twelve (12) months preceding the event giving rise to the claim, or 100 EUR, whichever is lower.

Nothing in these Terms limits liability that cannot be excluded under applicable law, including liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation.

8. Indemnification

You agree to indemnify, defend, and hold harmless Heather and Rose Health, its directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or relating to: (a) your breach of these Terms; (b) your misuse of the website; or (c) your violation of any law or third-party rights.

9. Third-party links

The website may reference concepts, tools, or platforms operated by third parties. We are not responsible for the content, policies, or practices of third-party websites or services, even if we mention them for educational context. Your use of any third-party service is at your own risk and subject to that third party’s terms and policies.

10. Privacy

Our handling of personal data and cookies is described in our Privacy Policy, which is incorporated by reference into these Terms. Please review the policy to understand how information is collected and used.

You can read it here: /privacy/.

11. Governing law

These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) are governed by the laws of England and Wales. The courts of London, England shall have exclusive jurisdiction, subject to any mandatory consumer protection rights applicable to you.

12. Dispute resolution

Informal resolution: before commencing legal proceedings, you agree to contact us and provide a brief written description of the dispute and your preferred resolution. The parties will attempt in good faith to resolve the dispute informally within thirty (30) days of receipt.

If the dispute is not resolved within the informal period, either party may bring proceedings in the courts specified in the Governing Law section.

13. Termination

We may suspend or terminate access to the website (in whole or in part) immediately, with or without notice, if we reasonably believe you have violated these Terms or if your use creates risk to the website, other users, or third parties.

Upon termination, the license granted to you to use the website ends immediately. Sections relating to intellectual property, disclaimers, limitation of liability, indemnification, governing law, dispute resolution, and any provisions that by their nature should survive, will survive termination.

14. Modifications

We may update these Terms from time to time to reflect changes in the website, legal requirements, or our practices. Updated Terms will be posted on this page and will become effective fourteen (14) days after posting. Your continued use of the website after the effective date constitutes acceptance of the updated Terms.

15. Contact

For legal notices or questions about these Terms, contact:

Related policies: Privacy Policy and Cookie Policy.