Terms of Service

Last updated: 22 July 2025

1. Acceptance of Terms

By accessing and using the services provided by Frosted Expanse Ltd ("we", "us", "our"), you ("you", "your") agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using our services.

2. Company Information

Frosted Expanse Ltd
Registered in England and Wales: Company Number 12345678
Registered Office: 15 Bishopsgate, London EC2N 3AR
Authorised and regulated by the Financial Conduct Authority
FCA Registration Number: 123456789

3. Services Description

Frosted Expanse provides:

• Investment advisory services specialising in sustainable energy projects
• Portfolio management for renewable energy investments
• Research and analysis on ESG investment opportunities
• Due diligence services for green bond investments
• Educational resources and market insights

4. Eligibility and Client Classification

4.1 Eligibility

Our services are available to:

• Individuals aged 18 or over
• UK residents and qualifying overseas persons
• Institutional investors and corporate entities
• Professional clients as defined by FCA regulations

4.2 Client Classification

We will classify you as a client in accordance with FCA rules. Unless otherwise agreed, individual clients will be classified as "Retail Clients", which provides the highest level of regulatory protection.

5. Investment Risks and Warnings

6. Website Use and Intellectual Property

6.1 Permitted Use

You may use our website for informational purposes and to access our services. You agree not to:

• Use the website for any unlawful purpose
• Attempt to gain unauthorised access to any part of the website
• Transmit any viruses, malware, or harmful code
• Reproduce, modify, or distribute our content without permission

6.2 Intellectual Property

All content, trademarks, and intellectual property on this website are owned by Frosted Expanse Ltd or our licensors. Unauthorised use is strictly prohibited.

7. Client Obligations

As a client, you agree to:

• Provide accurate and complete information
• Notify us promptly of any changes to your circumstances
• Comply with all applicable laws and regulations
• Pay fees and charges as agreed
• Maintain adequate insurance where required

8. Fees and Charges

Our fees are set out in our client agreements and fee schedules. We may charge:

• Advisory fees based on assets under management
• Transaction fees for investment execution
• Performance fees where applicable
• Administrative and custody charges

All fees are subject to VAT where applicable. We will provide clear disclosure of all charges before providing services.

9. Regulatory Compliance

9.1 FCA Regulation

We are authorised and regulated by the Financial Conduct Authority. We comply with FCA rules including:

• Client money and asset protection rules
• Best execution requirements
• Conflicts of interest management
• Know Your Customer (KYC) procedures

9.2 Anti-Money Laundering

We are required to verify your identity and monitor transactions for money laundering and terrorist financing. We may request documentation and may be required to report suspicious activities to authorities.

10. Data Protection and Privacy

We process your personal data in accordance with our Privacy Policy and UK GDPR requirements. By using our services, you consent to our data processing practices as described in our Privacy Policy.

11. Complaints Procedure

If you have a complaint about our services:

1. Contact us directly at [email protected]
2. We will acknowledge your complaint within 3 business days
3. We aim to resolve complaints within 8 weeks
4. If unsatisfied, you may refer the matter to the Financial Ombudsman Service

12. Compensation Scheme

We participate in the Financial Services Compensation Scheme (FSCS). Eligible clients may be entitled to compensation if we cannot meet our obligations. Details are available at www.fscs.org.uk.

13. Limitation of Liability

To the maximum extent permitted by law:

• We exclude all warranties and representations not expressly set out in these terms
• Our liability is limited to the amount of fees paid by you in the 12 months preceding the claim
• We are not liable for indirect, consequential, or special damages
• Nothing in these terms excludes our liability for death, personal injury, or fraud

14. Force Majeure

We are not liable for any failure to perform our obligations due to circumstances beyond our reasonable control, including natural disasters, government actions, market closures, or technological failures.

15. Termination

Either party may terminate our relationship by giving 30 days' written notice. We may terminate immediately if you breach these terms or if continued provision of services would be unlawful.

16. Governing Law and Jurisdiction

These terms are governed by English law. Any disputes will be subject to the exclusive jurisdiction of the English courts, except where you are a consumer with the right to bring proceedings in your home jurisdiction.

17. Third-Party Services

We may use third-party service providers for custody, execution, and other services. We will exercise reasonable care in selecting such providers but are not responsible for their acts or omissions.

18. Amendment of Terms

We may amend these terms at any time. Material changes will be notified to you in advance. Continued use of our services after changes take effect constitutes acceptance of the new terms.

19. Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

20. Contact Information

For questions about these terms or our services, please contact:

Frosted Expanse Ltd
15 Bishopsgate
London EC2N 3AR
Phone: +442094360428
Email: [email protected]
Website: www.frosted-expanse.com