Terms & Conditions

1. Introduction

These Terms & Conditions ("Terms") govern your access to and use of the Coyne Holdings website, platform, and any related services, content, tools, or communications (collectively, the "Platform").

By accessing or using the Platform, you agree to be bound by these Terms. If you do not agree, you must not use the Platform.

Coyne Holdings reserves the right to amend these Terms at any time. Continued use of the Platform constitutes acceptance of any updated Terms.

2. Nature of the Platform

Coyne Holdings operates as an investment access and information platform.

The Platform provides access to information relating to financial products, investment strategies, market commentary, and related services.

Coyne Holdings does not provide personalised financial advice unless explicitly stated in writing.

All content is provided for informational and educational purposes only.

Nothing on the Platform constitutes:

• Investment advice
• Legal advice
• Tax advice
• An offer or solicitation to buy or sell securities

You should seek independent professional advice before making any financial decisions.

3. Eligibility and User Responsibility

By using the Platform, you confirm that:

• You are legally permitted to access investment-related information in your jurisdiction
• You meet any applicable age or eligibility requirements
• You understand that investments carry risk, including potential loss of capital

You are solely responsible for:

• Your use of the Platform
• Any decisions made based on information provided
• Ensuring compliance with local laws and regulations

4. No Guarantees or Performance Representations

Coyne Holdings makes no guarantees regarding:

• Investment performance
• Returns
• Outcomes
• Market movements
• Accuracy or completeness of third-party data

Past performance is not indicative of future results.

5. Platform Access and Availability

We aim to provide reliable access but do not guarantee that the Platform will be:

• Uninterrupted
• Error-free
• Free from delays or technical issues

Coyne Holdings reserves the right to:

• Modify or suspend the Platform
• Restrict access
• Withdraw features or content

At any time without notice.

6. Intellectual Property & Copyright

All content on the Platform, including but not limited to:

• Text
• Graphics
• Logos
• Branding
• Layouts
• Visual elements
• Code
• Data compilations

is the intellectual property of Coyne Holdings or its licensors and is protected by copyright, trademark, and other applicable laws.

You may not:

• Copy
• Reproduce
• Modify
• Distribute
• Republish
• Exploit

any content without prior written consent.

Unauthorised use may result in legal action.

7. Acceptable Use

You agree not to:

• Use the Platform for unlawful purposes
• Attempt to gain unauthorised access
• Interfere with platform security or functionality
• Misrepresent your identity
• Scrape, harvest, or misuse data

Any misuse may result in immediate suspension or termination of access.

8. Third-Party Content and Links

The Platform may contain links to third-party websites or services.

Coyne Holdings:

• Does not control third-party content
• Is not responsible for accuracy, security, or practices of third parties
• Accepts no liability for losses arising from third-party interactions

Accessing third-party services is at your own risk.

9. Privacy Policy

9.1 Data Collection

We may collect personal data including:

• Name
• Contact details
• Device and usage data
• Communications submitted via the Platform

Data is collected only where necessary to operate and improve the Platform.

9.2 Use of Data

Personal data may be used to:

• Provide platform functionality
• Respond to enquiries
• Improve services
• Comply with legal obligations
• Communicate relevant updates

We do not sell personal data.

9.3 Data Protection

Reasonable technical and organisational measures are used to safeguard personal data. However, no system is completely secure, and transmission of data is at your own risk.

9.4 Cookies

The Platform may use cookies and similar technologies to enhance user experience and analyse usage. You may manage cookie preferences via your browser settings.

9.5 Data Retention

Personal data is retained only for as long as necessary to fulfil its purpose or meet legal requirements.

10. Confidentiality

Any non-public information shared through the Platform must be treated as confidential unless expressly stated otherwise.

11. Limitation of Liability

To the maximum extent permitted by law, Coyne Holdings shall not be liable for:

• Direct or indirect losses
• Loss of profits
• Loss of data
• Business interruption
• Investment losses
• Reliance on Platform content

Use of the Platform is entirely at your own risk.

12. Indemnification

You agree to indemnify and hold harmless Coyne Holdings, its directors, officers, employees, and partners from any claims, damages, or losses arising from:

• Your use of the Platform
• Breach of these Terms
• Violation of applicable laws

13. Termination

Coyne Holdings may suspend or terminate access to the Platform at its sole discretion, without notice, if these Terms are breached or misuse is suspected.

14. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.

15. Contact Information

For questions regarding these Terms, Privacy Policy, or Platform usage, please contact:

16. Regulatory & Jurisdictional Disclaimers

16.1 United Kingdom (UK)

Coyne Holdings is not authorised or regulated by the UK Financial Conduct Authority (FCA) unless explicitly stated otherwise in writing.

Nothing on this Platform constitutes:

• A financial promotion under the UK Financial Services and Markets Act 2000
• Regulated investment advice
• An invitation or inducement to engage in investment activity

Information provided is intended for general informational purposes only and may not be suitable for retail investors. UK users should seek advice from an FCA-authorised financial adviser before making any investment decisions.

16.2 Australia (AFSL Disclaimer)

Coyne Holdings does not hold an Australian Financial Services Licence (AFSL) unless explicitly stated otherwise.

Accordingly:

• The Platform does not provide financial product advice as defined under the Corporations Act 2001 (Cth)
• Any information provided is general information only and does not take into account your objectives, financial situation, or needs
• You should consider whether the information is appropriate for you and seek advice from an AFSL-licensed adviser where required

Nothing on this Platform should be relied upon as a recommendation, offer, or solicitation to acquire financial products within Australia.

16.3 European Union (EU)

Coyne Holdings is not authorised or regulated under the Markets in Financial Instruments Directive (MiFID II) unless expressly stated.

The Platform does not constitute:

• Investment advice under EU financial services legislation
• An offer of financial instruments
• A solicitation to invest

Content is provided for informational purposes only and may not be suitable for retail investors in EU member states. Users should consult appropriately authorised financial professionals before making investment decisions.

16.4 Cross-Border Use

The Platform is not directed at any person in any jurisdiction where:

• Access or use would be unlawful
• The provision of such information would require registration, licensing, or approval

Users are responsible for ensuring that their use of the Platform complies with all applicable local laws and regulations.

16.5 No Client Relationship

Accessing the Platform or communicating with Coyne Holdings does not:

• Create a client, advisory, fiduciary, or brokerage relationship
• Impose any duty of care beyond those required by applicable law

Any formal relationship will only arise through separate written agreements.