1. Introduction
1.1 These terms govern your use of the Atago Green website at www.atago-green.com (the "Website"). By accessing or using the Website, you agree to these terms. If you do not agree, please do not use the Website.
1.2 These terms apply to the Website only. Use of any product or subscription service provided by Atago Green, including FOS Watch and Insight Hub, is governed by a separate written agreement between Atago Green and the customer.
2. About us
2.1 The Website is operated by Atago Green Ltd, a company registered in England and Wales (company number 16435021), with its registered office at Level 5A, Maple House, 149 Tottenham Court Road, London W1T 7NF.
2.2 Atago Green Ltd is registered with the UK Information Commissioner's Office (registration number ZB963098).
2.3 You can contact us at hello@atago-green.com.
3. Permitted use
3.1 You may view, browse, and read content published on the Website for your own personal use or for internal business purposes within your organisation.
3.2 You may share links to public Website pages and quote short extracts of content (such as briefings or Insights) for non-commercial use, provided you attribute the source to Atago Green.
4. Restrictions
4.1 Except as expressly permitted in section 3, you must not:
- (a) reproduce, republish, distribute, or commercially exploit any content from the Website without our prior written consent;
- (b) use any automated system, software, robot, scraper, or other automated means to access, extract, or harvest content or data from the Website, except for indexing by reputable search engines acting in accordance with our robots.txt directives;
- (c) use any content from the Website to train, fine-tune, develop, or evaluate any artificial intelligence, machine learning, or large language model, whether for commercial or non-commercial purposes;
- (d) attempt to interfere with, disrupt, overload, or impair the operation of the Website, or attempt to gain unauthorised access to any part of the Website, its servers, or related infrastructure;
- (e) use the Website or its content in connection with the development of any product or service that competes with Atago Green; or
- (f) use the Website in any way that breaches applicable law, infringes the rights of any third party, or could expose Atago Green to legal or reputational harm.
5. Intellectual property
5.1 All content on the Website, including text, graphics, design, logos, layouts, and the structure and selection of materials, is owned by Atago Green Ltd or its licensors and is protected by United Kingdom and international intellectual property laws.
5.2 "Atago Green" and "FOS Watch" are names used by Atago Green Ltd to identify our company and our products. All rights in those names, together with any associated logos and branding shown on the Website, are reserved. All other trademarks or brand names referenced on the Website are the property of their respective owners.
5.3 No licence or right is granted to you under these terms except as expressly set out in section 3.
6. Content disclaimers
6.1 Content on the Website, including any Insights, briefings, articles, or commentary on Financial Ombudsman Service decisions, regulatory developments, or industry trends, is published for general information purposes only.
6.2 The Website does not provide legal, regulatory, compliance, financial, or other professional advice. Content should not be relied upon as a substitute for advice tailored to your circumstances. You should obtain appropriate professional advice before acting on any information on the Website.
6.3 Nothing on the Website creates a client, adviser, consultancy, or fiduciary relationship between you and Atago Green Ltd.
6.4 Where the Website references Financial Ombudsman Service decisions or other published regulatory material, this information reflects publicly available sources at the date of publication. Atago Green Ltd is not affiliated with, endorsed by, or connected to the Financial Ombudsman Service, the Financial Conduct Authority, or any other regulator.
6.5 We make reasonable efforts to ensure content is accurate at the date of publication but make no representation or warranty as to its accuracy, completeness, or currency, and reserve the right to amend or remove content at any time.
7. Third-party links
7.1 The Website may contain links to third-party websites. These links are provided for convenience only. Atago Green Ltd has no control over, and accepts no responsibility for, the content, products, services, or practices of third-party websites.
8. Availability of the Website
8.1 We aim to keep the Website available but make no guarantee of uninterrupted or error-free access.
8.2 We reserve the right, at our sole discretion, to withdraw, suspend, vary, or modify any part of the Website at any time and without notice.
9. Limitation of liability
9.1 Nothing in these terms excludes or limits liability for: (a) death or personal injury caused by our negligence; (b) fraud or fraudulent misrepresentation; or (c) any other liability which cannot lawfully be excluded or limited.
9.2 Subject to clause 9.1, and to the maximum extent permitted by law:
- (a) the Website and its content are provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied; and
- (b) Atago Green Ltd shall not be liable for any loss or damage (including without limitation loss of profit, loss of business, business interruption, loss of business opportunity, or loss or corruption of data) arising from or in connection with your use of, or reliance on, the Website or its content.
9.3 These terms govern your use of the Website only. Liability arising from any product or subscription service provided by Atago Green is governed by the separate commercial agreement covering that service.
10. Privacy and cookies
10.1 Our handling of personal data is set out in our Privacy Notice.
10.2 Our use of cookies is set out in our Cookie Notice.
10.3 Both documents are available from the Website footer.
11. Changes to these terms
11.1 We may update these terms from time to time. The version in force is the version posted on the Website. The "Last updated" date at the top of this page indicates when these terms were last revised.
11.2 Continued use of the Website after changes are posted constitutes acceptance of the revised terms.
12. Governing law and jurisdiction
12.1 These terms, and any dispute or claim arising out of or in connection with them or their subject matter (including non-contractual disputes or claims), are governed by the laws of England and Wales.
12.2 The courts of England and Wales have exclusive jurisdiction to settle any such dispute or claim.
13. Contact
If you have any questions about these terms, please contact us at hello@atago-green.com.