CONTACT
Spheres Investment Advisor Ltd.
contact@spheres.io
REGULATORY NOTICE
Spheres Investment Advisor Ltd (“Spheres”) is an authorised representative (FRN: 994906) and carries on certain regulated activity under the responsibility of a firm authorised by the Financial Conduct Authority (the “FCA”). Spheres is incorporated in England with registered number 14746184.
The contents of this website have been prepared for information purposes only. No investment, tax or other advice is being given on this website. Nothing on this website should be regarded as an offer or solicitation to buy or sell any investment or an offer or solicitation to provide investment services or as a comment on the merits of engaging in any investment transaction or activity or an inducement to do so. The investment products and services of Spheres Investment Advisor Ltd are only available to professional clients and eligible counterparties; they are not available to retail clients. Statements made on this website are subject to change, correction or update without notice. This website is only directed at persons who may lawfully access it without breach of law or regulation or imposing any requirement or potential liability on Spheres or any of its affiliates.
INTELLECTUAL PROPERTY & PRIVACY
Except as otherwise noted in this website, the content on this website – (including, without limitation, trademarks, logos, photos, descriptions, graphics, icons, other original material and the overall appearance of this website) is the property of Spheres and should not be reproduced or used without our prior written consent. All our rights in and to the website and its content are hereby expressly reserved.
TERMS OF USE
The service (“the Service”) consists of your use of the Spheres.io website (“the Site”), the software applications hosted or made available by us including app.Spheres.io (“the App”) and any other related content and materials, however you access them, whether via the App, the Site or via mobile or tablet app.
These terms of use, together with the Privacy Policy and any other policies referred to in them (collectively, “the Terms”), apply to your use of the Service. Please read the Terms carefully before you start to use the Service. By using the Service, you indicate that you accept the Terms and that you agree to abide by them. If you do not agree to the Terms, please refrain from using the Service. The Terms do not supersede or replace any further terms that you (or any affiliated or person) may have agreed with us or any investment vehicle (a “Spheres Vehicle”) managed or advised (directly or indirectly, in whole or in part) by us or one of our affiliates.
1. Information about us
The Service is owned and operated by Spheres Investment Advisor Ltd (referred to as “we”, “our”, “us”, “Spheres”). Spheres Investment Advisor Ltd is a private limited company incorporate in England with company number 14746184. Our FCA firm reference number is 994906. We are an appointed representative of Robert Quinn Advisory LLP (“RQA”). RQA is authorised and regulated by the Financial Conduct Authority (the “FCA”) under the Financial Services and Markets Act 2000 (the “Act”), with FCA firm reference number 548030.
2. Access to the Service
2.1 We shall use commercially reasonable endeavours to provide you with online access to the Service, through which you may view certain information regarding investments that (a) you (or one of your affiliated or connected persons) has made into a Spheres Vehicle and/or (b) you have made independently (i.e. outside of a Spheres Vehicle) and which you have requested be visualised within your User Account on the Spheres App (“Input Information”). You represent and warrant that You have all rights, licenses and permissions needed to provide any Input Information to the Service.
2.2 We shall use commercially reasonable endeavours to make the Services available 24 hours a day, seven days a week, except for routine and emergency maintenance. However, access to the Service is not guaranteed. From time to time we may withdraw or amend any of the content and services provided without notice. We will not be liable if the Service or any content is unavailable at any time for any reason. From time to time, we may restrict access to some parts of the Service, or the entire Service, including to users who have registered with us.
2.3 We agree to provide the Service with reasonable skill and care and in accordance with all applicable laws and regulations.
2.4 You are responsible for making all arrangements necessary for you to have access to the Service (for example ensuring you have an available internet connection).
2.5 If you become a registered user of the Service and create an account (“User Account”) with us, you will require a valid email address and will be asked to enter a username, password and any other piece of information we deem necessary as part of our security procedures. You must treat such details and information as confidential. You are responsible for everything done using your User Account.
2.6 You must provide us with your contact details in the form of your email address, and any other details we collect from you at registration or via your (or one of your affiliated or connected persons’ subscription to an investment vehicle managed or advised (directly or indirectly, and in whole or in part) by us or one of our affiliates), so that we can administer the Service and your User Account. You must not impersonate or try to impersonate another person when providing us with information. If you think that someone else may have access to, or be using, your password or User Account without your consent, you must tell us as soon as possible by emailing info@spheres.io. We have the right to disable any username or password, whether chosen by you or allocated by us, at any time. We also have the right to suspend or terminate any User Account at any time.
2.7 By creating a User Account, you confirm that all information you provide in the registration is accurate. You must have a valid email address registered with us at all times. If an email that we send to you should bounce for some reason, your User Account may be temporarily suspended until you contact us with a verifiable address.
2.8 By creating a User Account you consent to receive regular communications from us regarding the Service. These communications will include important notifications, updates and information regarding the Site or the Service.
3. Information, not advice
3.1 Contributions, articles, financial information, calculations, metrics, commentary, charts, data visualisations, investment memorandums, investment information, valuations and any and all other materials and information posted within the Service (“Service Content”) are provided for general information only. Service Content is not, and should not be construed as, investment, financial or other professional advice. You should not rely on the content within our Service as the basis for making a financial decision.
3.2 Service Content may be generated relying upon artificial intelligence and machine learning. Service Content, therefore, may not always be accurate and you should not rely on Service Content as a sole source of truth or factual information, or as a substitute for professional advice. In particular, You should not rely on Service Content as the basis for making a financial decisions or the basis for submitting accounting, tax, regulatory or other actions that could have legal or material impacts on you or another person. If in doubt, you should seek professional advice. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any user of our Service, or by anyone who may be informed of any of its contents (including any advisors or third parties).
3.2 If a third party is using the Service to perform functions or provide you with advice (for example, your financial account, tax advisor or financial advisor), then that advice is a separate service provided by such person and is not a part of the Service. Spheres has no responsibility for and is not liable for any advice or service provided by such third party.
4. Prohibited uses
4.1 You may use the Service only for lawful purposes. In particular, you may not use the Service:
in any way that breaches any applicable local, national or international law or regulation;
in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;
for the purpose of harming or attempting to harm any person in any way;
to send, knowingly receive, upload, download, use or re-use any material which is defamatory, contains any material which is obscene, offensive, hateful or inflammatory, promotes sexually explicit material, promotes violence, or promotes discrimination based on race, sex, religion, nationality, disability, sexual orientation or age;
to send, knowingly receive, upload, download, use or re-use any material which infringes any copyright, database right or trade mark of any other person;
to send, knowingly receive, upload, download, use or re-use any material which is likely to deceive any person, be made in breach of any legal duty owed to a third party, such as a contractual duty or a duty of confidence, promote any illegal activity, be threatening, abuse or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety, be likely to harass, upset, embarrass, alarm or annoy any other person, be used to impersonate any person, or to misrepresent your identity or affiliation with any person, gives the impression that it emanates from us, advocates, promotes or assists any unlawful act such as (by way of example only) copyright infringement or computer misuse;
to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).
4.2 You also agree:
(a) not to reproduce, duplicate, copy or re-sell any part of the Service;
(b) not to access without authority, interfere with, damage or disrupt:
(i) any part of the Service;
(ii) any equipment or network on which the Service is stored;
(iii) any software used in the provision of the Service; or
(iv) any equipment or network or software owned or used by any third party;
(c) not to reverse engineer or reverse compile any of the technology used to provide you with the Service, including but not limited to, any applications associated with the Service;
(d) not to use any valuation Services made available by Spheres through the application for making any commercial or business decisions;
(e) not to do or say anything that would bring the Service or Spheres into disrepute.
5. Viruses, hacking and other offences
5.1 You must not misuse the Service by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the Service, the server/servers on which the Service or any part of it is stored or any server, computer or database connected to the Service. You must not attack the Service via a denial-of-service attack or a distributed denial-of service attack or in any other way.
5.2 By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Service will cease immediately.
5.3 We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Service or to your downloading of any material posted on it, or on any website linked to it.
6. Intellectual property rights
6.1 We are the owner or the licensee of all intellectual property rights in the Service. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
6.2 Unless you have a User Account, you may print off, and may download extracts, of any page(s) from our Site for your personal reference. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. Our status (and that of any identified contributors) as the authors of material on our Site must always be acknowledged.
6.3 You must not use any part of the Service for commercial purposes without obtaining a licence to do so from us or our licensors.
6.4 As also detailed in the Privacy Policy, we may need to share information about you with certain service providers who help us to deliver the Service to you (for example third party technology companies who may provide elements of the Service’s functionality). We refer to such service providers as (“Data Service Providers”). Data Service Providers will only use your information to help provide the Service, they will not market to you. By using the Service, you agree to grant us and our Data Service Providers, a non-exclusive, royalty free and worldwide licence to use the information, materials, data and other content that you provide via the Service (“Content”). We and the Data Service Providers may use, modify, display, distribute and create derivative materials using the Content for the sole purpose of providing the Service to you.
7. Links to and from our Service and third-party services
7.1 If you wish to make any use of material on the Service other than as set out in these Terms, please address your request to info@Spheres.io.
7.2 Where the Service contains links to other sites and resources provided by anyone other than Spheres, these links are provided for your information only. We do not recommend and have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.
7.3 You acknowledge that we use third parties to support us in providing our Services and to help provide, run and manage our internal IT systems ("Third Party Service"). For example, providers of information technology, cloud-based software as a service-providers, identity management, website hosting and management, data analysis, data back-up, security and storage services. Except where you have entered into a relevant written agreement directly with a Third Party Service, you have no contract with any third party provider in respect of the supply or use of any Third Party Service. Third Party Services do not owe you any duty of care with respect to their data or services, nor do they accept any responsibility for them. If an implied contract or duty should be held to exist, we, as agent for each third-party licensor and solely for the purpose of the following exclusion, disclaims all liability of each third-party licensor for any of your losses which may arise under that implied contract or duty. Third Party Service providers do not warrant that the provision of Third Party Services will be uninterrupted, error free, timely, complete, or accurate, nor do any of them make any warranties as to the results to be obtained from use of the same. You acknowledge that no aspect of Third Party Services constitutes a recommendation of any kind and is provided for informational purposes only. Third Party Services are provided “AS-IS” without any warranty of any kind.
8. Information about you and your use of the Service
We process information about you in accordance with our Privacy Policy. By using the Service, you consent to such processing and you warrant that all data provided by you is accurate and up to date.
We will at all times keep confidential any information of a confidential nature acquired in connection with the Services, except for information which we (or an affiliate) are bound to disclose under compulsion of law or by request of regulatory agencies or in the proper performance of the Services or to our or our affiliates’ employees, principals, consultants, team members, professional advisers.
10. Connected Investments / Account Information Services
10.1 In some areas of the Service, you may have the ability to connect, share or upload information regarding accounts, investments or assets you hold with independently or with third party institutions (“Third Party Investments”). This enables us to represent data from such Third Party Investments and to populate areas of the Service with Service Content regarding such Third Party Investments.
10.2 You may choose to access the Service or different versions of it through agents, advisors or similar (“Third Party Members”). Spheres will not be liable for the accuracy of data it receives from or regarding Third Party Investments or Third Party Members and you must ensure that it is (and continues to be) accurate. Spheres will not be liable for any inaccuracies caused by you no longer having access to data, by data not being up-to-date or by your failure to provide data.
10.3 As stated previously, Service Content, including that relating to Third Party Investments, is provided for general information only and should not be relied upon as the basis for making a financial decisions or the basis for submitting accounting, tax, regulatory or other actions that could have legal or material impacts on you or another person. Spheres will not be held liable for your failure to comply with the terms of any investment, including Third Party Investments.
11. Disclaimer of Warranties
By accessing and using the Service, you acknowledge and agree that your use of the Service and all information and content included in or accessible from the Service is provided on an “as is” and “as available” basis. To the fullest extent permissible by law, we and Data Service Providers disclaim all statutory or implied warranties, representations and conditions including but not limited those as to quality, merchantability, fitness for purpose and non-infringement.
12. Limitation of Liability
12.1 This clause sets out our entire financial liability (including any liability for the acts or omissions of our employees, agents and subcontractors) to you under or in connection with these Terms, including your use of the Service. Nothing in these Terms limit or exclude our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation or any other liability we cannot legally limit.
12.2 You assume sole responsibility for results obtained from the use of the Service, and for conclusions drawn from such use. We shall have no liability for any damage caused by errors or omissions in any Service Content.
12.3 Subject to clause 12.5, we shall not be liable to you, whether in tort (including for negligence or breach of statutory duty), contract, misrepresentation or otherwise for the following types of loss whether direct or indirect and howsoever caused:
loss of profit; or
loss of goodwill; or
loss of business; or
loss of business opportunity; or
loss of anticipated saving; or
loss or corruption of data or information (other than as detailed in clause 12.5); or
any special, indirect or consequential damage or loss suffered by the other party.
12.4 Subject to the foregoing provisions and 12.5 below, our total aggregate liability in contract, tort (including negligence or breach of statutory duty), misrepresentation, restitution or otherwise, arising in connection with these Terms and the Service shall be limited to EUR 100 or the total subscription fees paid by you (if any), whichever is lower.
12.5 We shall be liable to you for any liability incurred by you as a result of any data loss caused by our negligence or breach of statutory duty up to an amount of EUR 75,000.
13. Indemnification
You agree to indemnify us against any and all claims, losses, damages, expenses and costs (including legal fees and expenses) arising out of or in connection with your use of the Service in breach of these Terms, or infringement of third party rights, except to the extent that we have breached these Terms or been negligent.
14. Variations
We may revise these Terms at any time by amending this page or by sending you a notification via the Service or email. You are expected to check this page from time to time to take notice of any changes made, as they are binding on you. Some of the provisions contained in these Terms may also be superseded by provisions or notices published elsewhere on our Site.
Notices.
Any notices required or permitted under these Terms, pursuant to applicable regulations, shall be provided to you in the English Language. In the event of any translation of documents or communications into another language for the convenience, the translated version shall be accompanied by the original English version.
Notices served under this Agreement shall be in writing and be sent by email.
Notices shall be sent to:
In the case of Spheres, in writing to: info@spheres.io.
in your case, in writing to the address or email address provided to us on registration, as updated by you from time to time.
Emails will be deemed to have been received one hour after being sent or, if this falls after close of business, at 9.00 a.m. on the following working day provided that an undeliverable message has not been generated by then.
15. General Terms
15.1 These Terms comprise the entire agreement between you and us for the provision of the Service and supersede all prior or contemporaneous negotiations, discussions, representations or agreements, whether written or oral. No undertakings, promises, representations, or warranties shall have any legal effect unless expressly set out in these Terms.
15.2 If any provision of these Terms is held by a court of competent jurisdiction to be invalid or unenforceable, the other provisions shall remain in force. The invalid or unenforceable provision shall apply with whatever modification is necessary to give effect to the commercial intention of the parties.
15.3 Nothing in these Terms shall give rise to any joint venture, partnership, or employment relationship between you and us.
15.4 These Terms do not confer any rights on any person or entity other than you and us.
15.5 No failure or delay by a party to exercise any right or remedy provided under these Terms or by law shall constitute a waiver of that or any other right or remedy, nor shall it prevent or restrict the further exercise of that or any other right or remedy. No single or partial exercise of such right or remedy shall prevent or restrict the further exercise of that or any other right or remedy.
15.6 These Terms shall be concluded and interpreted and communicated in English.
16. Jurisdiction and applicable law
16.1 The English courts will have exclusive jurisdiction over any claim arising from, or related to, use of our Service although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country.
16.2 These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.
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