Terms and Conditions

By accessing or using the Navylist website ("the Site"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree with any part of these Terms, you should discontinue use of the Site immediately. We reserve the right to update or modify these Terms at any time, and continued use of the Site following any changes constitutes acceptance of those changes.

Navylist provides informational content, resources, and tools related to financial data analysis and reporting intended to assist users and families with long-term planning. The information provided on this Site is general in nature and is not a substitute for personalised financial, legal, or tax advice from a qualified professional.

You must be at least 18 years of age, or the age of legal majority in your jurisdiction, to use this Site. If you create an account or submit information through any form on the Site, you are responsible for ensuring the accuracy of the information provided and for maintaining the confidentiality of any credentials associated with your use of the Site.

Nothing on this Site constitutes professional financial, investment, legal, or tax advice. Any content, tools, or reports made available through Navylist are provided for general informational purposes only. You should consult a qualified, licensed advisor before making any financial decisions based on information obtained from this Site.

All content on this Site, including but not limited to text, graphics, logos, layouts, and software, is the property of Navylist or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any part of the Site without prior written consent.

You agree not to use the Site for any unlawful purpose, to transmit harmful code, to attempt unauthorised access to our systems, or to interfere with the proper functioning of the Site. We reserve the right to suspend or terminate access for any user who violates these conditions.

The Site may contain links to third-party websites or resources that are not owned or controlled by Navylist. We are not responsible for the content, privacy practices, or accuracy of information found on any linked third-party sites, and inclusion of such links does not imply endorsement.

To the fullest extent permitted by law, Navylist shall not be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with your use of, or inability to use, the Site or any content contained within it. The Site is provided on an "as is" and "as available" basis without warranties of any kind, express or implied.

You agree to indemnify and hold harmless Navylist, its affiliates, and representatives from any claims, damages, losses, or expenses arising from your use of the Site, your violation of these Terms, or your infringement of any third-party rights.

We reserve the right to suspend or terminate your access to the Site at our discretion, without prior notice, for conduct that we believe violates these Terms or is otherwise harmful to other users, third parties, or the operation of the Site.

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining Terms will otherwise remain in full force and effect.

We may revise these Terms from time to time to reflect changes to our services, legal requirements, or business practices. Material changes will be reflected by an updated revision date. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

If you have questions regarding these Terms, please reach out through the contact details provided on our Contact page.