By accessing and using the BGAM™ Research website at bgamresearch.com (the "Website"), you accept and agree to be bound by these Terms of Use. If you do not agree to these Terms of Use, please do not use our Website.

We reserve the right to modify these Terms of Use at any time. Your continued use of the Website following any changes constitutes your acceptance of the revised Terms of Use.

The Website and all content published on it ("Content") are provided for personal, non-commercial, informational and research purposes only. You may access and read the Content for your own personal use.

You may not reproduce, distribute, publish, transmit, modify, create derivative works from, or commercially exploit any Content without our prior written permission. You may not use any automated means to access or collect data from the Website.

All Content on this Website, including but not limited to text, graphics, logos, analytical frameworks, BGAM™ Scores and methodologies, is the property of BGAM™ Research and is protected by applicable intellectual property laws.

BGAM™ is a trademark of BGAM Research. You may not use our trademarks, logos or other proprietary information without our prior written consent.

The Website and all Content are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not warrant that the Website will be uninterrupted, error-free or free of viruses or other harmful components. We do not warrant the accuracy, completeness or timeliness of any Content.

To the fullest extent permitted by applicable law, BGAM™ Research shall not be liable for any indirect, incidental, special, consequential or punitive damages arising out of or in connection with your use of the Website or any Content, including but not limited to any investment losses.

Our total liability to you for any claim arising out of or in connection with these Terms of Use or your use of the Website shall not exceed the amount you have paid to us in the twelve months preceding the claim, or £100, whichever is greater.

The Website may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of those websites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

These Terms of Use shall be governed by and construed in accordance with applicable law. Any disputes arising out of or in connection with these Terms of Use shall be subject to the exclusive jurisdiction of the competent courts.