Terms and Conditions

Effective Date: 01/01/2026

These Terms & Conditions (“Terms”) govern your access to and use of www.kevincrowther.com (the “Website”).

By accessing this Website, you agree to be bound by these Terms. If you do not agree, you must cease use immediately.

1. Status of the Website

Kevincrowther.com is a personal branding, marketing, and informational website.

The Website:

Is not a registered company
Is not a licensed financial services firm
Is not authorised or regulated by the Dubai Financial Services Authority (DFSA)
Is not authorised or regulated by the UK Financial Conduct Authority (FCA)
Is not authorised or regulated by any financial regulator in any jurisdiction
Does not conduct regulated financial services activities
Does not provide financial advice or investment services

The Website operates independently and does not fall within the regulatory perimeter of the DIFC, DFSA, FCA, or any equivalent authority.

2. No Regulated Financial Services

The Website does not:

Advise on financial products
Arrange deals in investments
Manage assets
Provide discretionary portfolio management
Execute transactions
Provide brokerage services
Provide custody services
Conduct insurance mediation
Promote specific financial instruments
Provide banking services

Nothing on this Website constitutes a “financial promotion” within the meaning of:

The DFSA Rulebook
The Financial Services and Markets Act 2000 (UK)
The FCA Handbook
Or equivalent financial promotion legislation in any jurisdiction

All content is provided strictly for general information, educational commentary, and personal brand marketing purposes.

3. No Financial Advice

Nothing on this Website constitutes:

Financial advice
Investment advice
Tax advice
Legal advice
Pension advice
Insurance advice
Estate planning advice
Structured product advice
Digital asset advice

Content includes, but is not limited to:

Articles
Market commentary
Case studies
Videos
Brochures
Social media posts
Downloads
Newsletters

All information is general in nature and does not take into account your personal circumstances, objectives, financial situation, or risk tolerance.

You must obtain regulated, professional advice from an authorised firm before making any financial decision.

4. Separation from Regulated Entities

The Website is separate from and independent of any regulated financial advisory firm.

No regulated entity:

Controls the Website
Oversees the Website
Approves the Website content
Is responsible for Website content
Has regulatory responsibility for Website content

Where financial advisory services may ultimately be provided, they are delivered exclusively:

By separately authorised and regulated firms
Under formal engagement agreements
Under regulatory supervision
Subject to their own compliance procedures

Such services are not provided through this Website.

5. No Affiliation with Financial Institutions

Kevincrowther.com:

Has no formal affiliation with any bank
Has no formal affiliation with any investment platform
Has no formal affiliation with any brokerage firm
Has no formal affiliation with any asset manager
Has no formal affiliation with any insurance provider
Has no formal affiliation with any financial institution

Any reference to banks, custodians, funds, platforms, investment strategies, or financial solutions is illustrative only and does not imply endorsement, partnership, approval, or official relationship.

6. No Client Relationship

Accessing this Website, submitting forms, downloading materials, or communicating via social media does not create:

A client relationship
A fiduciary relationship
An advisory relationship
A regulated financial relationship

A client relationship can only be formed through:

A written agreement
Completion of regulatory onboarding
Formal KYC/AML processes
Documentation issued by a licensed and regulated firm

7. Data Collection & Data Sharing

The Website may collect personal information through:

Contact forms
Newsletter subscriptions
Download registrations
Voluntary submissions

Personal data may be used for:

Responding to enquiries
Marketing communication
Assessing potential introductions to regulated firms

Personal data will only be shared with regulated financial advisory firms or other institutions:

With your explicit consent
Where legally required
Where necessary for evaluating a potential engagement

The Website does not sell personal data.

Please refer to the Privacy Policy for detailed information on data processing and protection.

8. International Users

This Website is accessible globally but is not directed at:

Retail investors in the United Kingdom
Retail clients within the DIFC
Individuals in jurisdictions where such informational content may constitute regulated activity

Users are responsible for ensuring that their access complies with local laws and regulations.

9. No Warranty & Limitation of Liability

All content is provided “as is” without warranty of:

Accuracy
Completeness
Suitability
Reliability

To the fullest extent permitted by law, the Website disclaims all liability for any loss or damage arising directly or indirectly from reliance on any information provided.

Financial markets carry risk. Past performance is not indicative of future results.

10. Intellectual Property

All intellectual property on this Website, including branding, frameworks, text, and materials, is owned by the Website operator unless otherwise stated and may not be reproduced without permission.

11. Governing Law

These Terms shall be governed by applicable laws relevant to the Website operator’s jurisdiction of residence, without prejudice to any mandatory consumer protections applicable in your jurisdiction.

12. Amendments

These Terms may be updated at any time without notice. Continued use of the Website constitutes acceptance of the updated Terms.