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Terms of Use

Last Updated: 18 February 2026

1. Acceptance of Terms

By accessing or using the website operated by ChatGPT Trade Ltd ("we", "us", "our") at chatgpttrade.co.uk (the "Website"), you agree to be bound by these Terms of Use and our Privacy Policy, which is incorporated herein by reference. If you do not agree to any part of these terms, you must not use the Website.

You must be at least 16 years of age to use this Website. If you are under 16, you may only use the Website under the supervision of a parent or legal guardian who agrees to be bound by these Terms on your behalf.

2. Financial Education Disclaimer

ChatGPT Trade Ltd provides educational content relating to financial literacy, budgeting strategies, and AI-powered financial analysis tools. This Website does not provide financial advice, investment recommendations, tax guidance, or any form of regulated financial service.

ChatGPT Trade Ltd is not authorised or regulated by the Financial Conduct Authority (FCA) for the provision of regulated financial services. Nothing on this Website should be construed as a personal recommendation or inducement to engage in any financial transaction. Any decisions you make based on the content of this Website are made entirely at your own risk.

Always consult a qualified, FCA-regulated financial adviser before making any financial decisions. Past performance is not indicative of future results. Any savings figures, percentage reductions, or financial outcomes referenced on this Website are illustrative, based on aggregated anonymised data, and should not be taken as a guarantee of any particular outcome.

3. Description of Service

The Website provides educational articles, budgeting guides, reviews of financial tools, AI-driven spending analysis insights, and community-contributed experiences — all focused on UK personal finance. Content covers topics including but not limited to ISAs, pension auto-enrolment, household bill management, energy-switching strategies, and the use of artificial intelligence for pattern recognition in consumer spending.

The service is provided on an "as is" and "as available" basis. We reserve the right to modify, suspend, or discontinue any aspect of the Website at any time without prior notice or liability. Content may be updated, amended, or removed at our sole discretion to reflect changes in UK financial regulations, market conditions, or editorial direction.

4. Acceptable Use

When using this Website, you agree not to:

  • Use automated systems, scrapers, crawlers, or bots to access, extract, or index content from the Website without our express written permission.
  • Attempt to bypass, circumvent, or disable any security features, authentication mechanisms, or access controls on the Website.
  • Submit false, misleading, or inaccurate information through any form or communication channel on the Website.
  • Upload, transmit, or distribute any malware, phishing links, viruses, trojans, worms, or other harmful code.
  • Impersonate any person or entity, or falsely state or misrepresent your affiliation with any person or entity.
  • Send unsolicited bulk communications (spam) or use the Website for commercial solicitation without our prior consent.
  • Access the Website from any jurisdiction where such access is prohibited by applicable law, including sanctioned regions.
  • Use the Website in any manner that could damage, disable, overburden, or impair our servers or infrastructure.

5. Intellectual Property

All content on this Website — including but not limited to text, graphics, icons, design elements, source code, trademarks, logos, and the overall look and feel — is owned by or licensed to ChatGPT Trade Ltd and is protected by copyright, trademark, and other intellectual property laws of England and Wales and applicable international treaties.

We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Website for personal, non-commercial educational purposes only. You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content from this Website without our prior written consent.

The name "ChatGPT Trade" and associated branding are trademarks of ChatGPT Trade Ltd. Use of these marks without prior written authorisation is strictly prohibited.

6. Third-Party Services and Links

The Website may contain references to or links to third-party websites, services, products, or tools. These references are provided for informational and educational purposes only and do not constitute an endorsement, recommendation, or guarantee of any third-party product or service.

ChatGPT Trade Ltd has no control over the content, privacy practices, or policies of third-party websites and accepts no responsibility or liability for any loss, damage, or inconvenience resulting from your use of or reliance on any third-party content. We encourage you to review the terms and privacy policies of any external website before engaging with it.

7. Disclaimer of Warranties

The Website and its content are provided on an "as is" and "as available" basis, without warranties of any kind, whether express, implied, or statutory. To the fullest extent permitted by law, ChatGPT Trade Ltd disclaims all warranties, including but not limited to:

  • Implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
  • Any warranty that the Website will be uninterrupted, timely, secure, or error-free.
  • Any warranty regarding the accuracy, reliability, completeness, or currency of content.
  • Any warranty that defects will be corrected or that the Website is free of viruses or harmful components.

Educational content is general in nature and may not reflect your individual financial circumstances. Reliance on any information provided by this Website is solely at your own risk.

8. Limitation of Liability

To the maximum extent permitted by applicable law, ChatGPT Trade Ltd, its directors, officers, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation loss of profits, data, goodwill, business opportunity, or anticipated savings, arising out of or in connection with your use of, or inability to use, the Website.

In any event, our total aggregate liability for all claims arising out of or relating to these Terms or the Website shall not exceed the greater of: (a) the amount you have paid to ChatGPT Trade Ltd in the twelve (12) months preceding the claim, or (b) £100.

Nothing in these Terms shall exclude or limit our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under the laws of England and Wales.

9. Indemnification

You agree to indemnify, defend, and hold harmless ChatGPT Trade Ltd, its directors, officers, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with: (a) your use of the Website; (b) any content you submit or transmit through the Website; (c) your breach of these Terms; or (d) your violation of any applicable law or regulation.

10. Force Majeure

ChatGPT Trade Ltd shall not be liable for any failure or delay in performing our obligations under these Terms if such failure or delay results from circumstances beyond our reasonable control, including but not limited to: acts of God, natural disasters, war, terrorism, pandemic, epidemic, government orders, internet or telecommunications failures, cyberattacks, cloud infrastructure outages, power failures, or labour disputes.

11. International Use

The Website is operated from and designed for users in the United Kingdom. We make no representation that the content on this Website is appropriate, accurate, or available for use in other jurisdictions. If you access the Website from outside the United Kingdom, you do so at your own initiative and are responsible for compliance with local laws. The financial products, regulations, and strategies discussed on this Website are specific to the UK and may not apply in other countries.

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising out of or in connection with these Terms or the Website shall be subject to the exclusive jurisdiction of the courts of London, England.

If you are a consumer resident in the European Union, you retain the benefit of any mandatory provisions of the law of your country of residence. Nothing in these Terms affects your rights as a consumer under applicable local consumer protection legislation.

13. Dispute Resolution

In the event of any dispute arising out of or relating to these Terms, you agree to first attempt to resolve the dispute informally by contacting us at [email protected]. We will endeavour to respond within 14 days and work collaboratively toward a resolution over a 30-day informal resolution period.

If the dispute cannot be resolved informally within 30 days, either party may pursue the matter through the courts of London, England. If you are a consumer resident in the EU or UK, you may bring proceedings in the courts of your country of residence.

14. Termination

We reserve the right to suspend or terminate your access to the Website at any time, without notice, for any reason including but not limited to a breach of these Terms. Upon termination, the following sections shall survive and remain in full force and effect: Intellectual Property (Section 5), Disclaimer of Warranties (Section 7), Limitation of Liability (Section 8), Indemnification (Section 9), and Governing Law and Jurisdiction (Section 12).

15. Severability

If any provision of these Terms is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if modification is not possible, it shall be severed from these Terms. The remaining provisions shall continue in full force and effect.

16. Entire Agreement

These Terms of Use, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and ChatGPT Trade Ltd with respect to your use of the Website. They supersede all prior or contemporaneous agreements, communications, and proposals, whether oral or written, between you and us regarding the Website.

17. Assignment

ChatGPT Trade Ltd may assign or transfer its rights and obligations under these Terms to any third party without restriction and without prior notice to you. You may not assign or transfer your rights or obligations under these Terms without our prior written consent.

18. No Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. A waiver of any term shall not be deemed a further or continuing waiver of such term or any other term, and our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

19. Modifications to These Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated via a notice on the Website homepage at least 14 days before taking effect. The "Last Updated" date at the top of this page will be revised with each update. Your continued use of the Website after any modifications constitutes acceptance of the updated Terms. We recommend reviewing these Terms periodically.

20. Electronic Communications

By using this Website and submitting information through our contact form, you consent to receiving electronic communications from us. You agree that any agreements, notices, disclosures, or other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. Electronic signatures shall be binding under the UK Electronic Communications Act 2000 and the EU eIDAS Regulation where applicable.

21. Contact Information

If you have any questions about these Terms of Use, please contact us: