Last updated 25 September 2026. These terms govern use of www.nickoldsio.com and any page, portal or content made available on it. They do not govern the provision of the Services, which are governed by the Agreement (the Engagement Letter, Scope Schedule, Fee Schedule and NIO’s Standard Terms and Conditions).
1. ABOUT US AND THESE TERMS
This website is operated by Nickolds IO Limited, a company registered in England and Wales with company number 17408693 and registered office at 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ ("NIO", "we", "us").
By accessing or using this website you agree to these terms of use. If you do not agree, you must not use the website. We recommend that you print or save a copy for your records.
We may amend these terms at any time by posting a revised version on this page. The version in force is the one published at the time of your use.
2. REGULATORY STATUS AND THE NATURE OF OUR CONTENT
NIO is not authorised under the Financial Services and Markets Act 2000 ("FSMA"), is not regulated by the Financial Conduct Authority ("FCA"), is not an appointed representative of an FCA-authorised firm and does not carry on regulated activity within the meaning of FSMA or the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001 ("RAO"). NIO does not provide investment advice, financial advice, tax advice, legal advice, regulatory advice or any other service or activity requiring authorisation under FSMA.
All content on this website is provided for general information only. It describes the nature of our unregulated consultancy, coordination, oversight, reporting and administrative support services. It is not, and must not be treated as:
- advice or a personal recommendation of any kind, including any recommendation as to the merits of buying, selling, holding, switching, subscribing for or otherwise transacting in any investment;
- an invitation or inducement to engage in investment activity, or a financial promotion for the purposes of section 21 FSMA;
- an offer to provide services to any person, or an offer capable of acceptance; or
- a forecast, guarantee or assurance of any outcome or of any level of performance.
Nothing on this website creates a client relationship. A client relationship arises only on signature of an Engagement Letter and only on the terms of the Agreement.
Our unregulated services are not covered by the Financial Ombudsman Service or the Financial Services Compensation Scheme.
3. PERMITTED USE
You may view, download and print pages of this website for your own personal or internal business use. You must not:
- use any part of the website for any unlawful purpose, or in any way that may damage, disable, overburden or impair it;
- copy, reproduce, republish, distribute, sell or exploit any content commercially without our prior written consent;
- remove or obscure any copyright, trade mark or other proprietary notice;
- use any automated system, robot, scraper or data-mining tool to access or extract content, or use content to train any machine learning or artificial intelligence model, without our prior written consent;
- attempt to gain unauthorised access to the website, any server on which it is stored, or any connected system; or
- introduce any virus, trojan, worm, logic bomb or other material that is malicious or technologically harmful.
A breach of this paragraph may be a criminal offence under the Computer Misuse Act 1990. We may report any such breach to the relevant law enforcement authorities and disclose your identity to them.
4. INTELLECTUAL PROPERTY
We own or are licensed to use all intellectual property rights in this website and in all content published on it, including text, layout, graphics, data models, report formats and methodologies. DISCOVER™, RESOLVE™ and NAVIGATE™ are trade marks of NIO. All such rights are reserved.
5. LINKS AND THIRD-PARTY MATERIAL
Where this website links to a third-party website or resource, the link is provided for information only. We do not endorse, approve or accept responsibility for any third-party site, its content, its security or any product or service offered through it. You use such sites at your own risk and subject to their own terms.
You may link to our home page provided you do so fairly and lawfully, in a way that does not damage our reputation or suggest any endorsement or association that does not exist. You must not frame our content on any other site.
6. AVAILABILITY
We do not guarantee that this website, or any content on it, will always be available, uninterrupted or error-free. We may suspend, withdraw or restrict all or part of the website for business or operational reasons without notice.
7. OUR LIABILITY TO YOU
Nothing in these terms excludes or limits our liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be excluded or limited.
Subject to that, we exclude all conditions, warranties, representations and other terms that might otherwise be implied into these terms, and we will not be liable for any loss or damage arising from your use of, or reliance on, this website or any content on it, including any loss of profit, revenue, business, goodwill, data or anticipated savings, or any indirect or consequential loss.
Where you are a client, our liability in connection with the Services is governed by clause 13 of the Standard Terms and Conditions and not by this paragraph.
9. COMPLAINTS
If you are dissatisfied with any aspect of this website or our services, please contact us at [email protected]. Our Complaints Procedure is available on request and is published on this website.
10. GOVERNING LAW
These terms, and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with them or their subject matter or formation, are governed by the law of England and Wales, and the courts of England and Wales have exclusive jurisdiction.
11. CONTACT
Nickolds IO Limited, 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ. Email: [email protected].