Terms of Service

Acceptance of These Terms

By accessing this website or using any material published on it, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you should not use the website or rely on its content.

These terms apply in addition to any written mandate agreement entered into with NDF INVESTMENTS LIMITED. Where a signed mandate agreement conflicts with these terms, the signed mandate agreement takes precedence for the services it governs.

These terms are published in English, and the English version governs any interpretation. We may provide translations for convenience, but a translation does not create rights or obligations that differ from the English text. If any provision is found to be unenforceable, the remaining provisions continue in full force.

Definitions

In these terms, the following words carry the following meanings unless the context requires otherwise.

• Company means NDF INVESTMENTS LIMITED, whose correspondence address is 50 Badgers Way, BUCKINGHAM - MK18 7HL, United Kingdom (GB).
• Website means the pages published at https://www.ndfinvest.autos and any successor address.
• Services means the structured investment research and private allocation advisory described on the website.
• Client means a person or organisation that has entered a mandate agreement with the Company.
• Content means all text, plans, diagrams, data and other material published on the website.

About Us

NDF INVESTMENTS LIMITED operates in the field of computer systems design and related services and provides professional, scientific and technical services. Our advisory work includes structured note research, private credit allocations, currency overlay programs, portfolio stress testing, custody and settlement liaison and investor reporting suites.

The company is registered in the United Kingdom and can be reached at office@ndfinvest.autos or on +15677468273. The developer of this website is NDFInvest, acting for the Company.

Our plan sheet design language is drawn from surveyor practice: parcels, routes, gates and boundary stones. It is a way of making a complex allocation legible at a glance. The diagrams are illustrative of how we think about structure, and they are not a representation of any specific investment outcome.

Eligibility

This website and the Services are intended for professional, business and sophisticated audiences. By using the website you confirm that you are at least eighteen years old and that you have the legal capacity to enter a binding agreement.

Where you use the website on behalf of an organisation, you confirm that you are authorised to act for that organisation and to accept these terms on its behalf. We may decline to provide Services to any person at our discretion and without giving reasons, subject to applicable law.

We may also ask for information needed to satisfy our own legal and regulatory checks before we accept a mandate. If we cannot complete those checks, we may be unable to proceed. This is a legal requirement and not a judgement about the person involved.

Permitted Use of the Website

We grant you a limited, revocable and non-exclusive right to access the website and to view the Content for your own internal business purposes. You may print or download a reasonable number of pages for reference, provided that all copyright and proprietary notices remain intact.

You may not reproduce, republish, distribute or make the Content available to any third party for commercial gain without our prior written agreement. Any permitted quotation must be accurate, must not distort the meaning of the material and must identify NDF INVESTMENTS LIMITED as the source.

You are responsible for the security of your own device and network when you access the website. You should use current software and take sensible precautions against malware. We are not responsible for any loss caused by a device or network that you control.

Prohibited Use

You agree not to do any of the following in connection with the website.

• Attempt to gain unauthorised access to any part of the website, its servers or any connected system.
• Introduce malicious code, interference or any material designed to disrupt the website.
• Use automated tools to scrape, harvest or systematically extract Content without written permission.
• Misrepresent your identity or your authority when contacting us or entering a mandate.
• Use the website or the Content for any unlawful, fraudulent or misleading purpose.
• Remove, obscure or alter any copyright, trade mark or other proprietary notice.

We may suspend or block access to the website where we reasonably believe that these prohibitions have been breached.

Where a prohibition is breached, we may also report the matter to the relevant authority and take any other step needed to protect our systems, our clients and our reputation. We will cooperate with a lawful investigation and will preserve relevant records.

Scope of Our Services

Our Services are research and advisory services. They include the study of investment structures, the design of allocation frameworks, the drawing of stress scenarios and the preparation of reporting materials. The exact scope of any engagement is set out in the written mandate agreement agreed with the Client.

We do not act as a deposit taker, a custodian of client money or a discretionary fund manager unless this is expressly stated in a signed mandate agreement. Where a service depends on a custodian or counterparty, their own terms and conditions also apply.

The research we publish is prepared from sources we believe to be reliable, but market conditions change and past performance does not indicate future results. Any figures shown in an illustration are for explanation only and should not be read as a forecast.

No Personal Recommendation

The Content on this website is general information. It is not a personal recommendation, an offer to buy or sell any instrument, or a solicitation to enter any transaction. It does not take account of your individual circumstances, objectives or financial position.

You should not act or refrain from acting on the basis of the Content alone. Before making any investment decision you should obtain independent professional advice, verify all relevant facts and satisfy yourself that the decision is suitable for your circumstances.

Nothing on this website should be read as a promise of a particular return, a guarantee against loss or a statement that a strategy is suitable for any particular investor. Where we describe a process, we are describing how we work, not what the result will be.

Mandate Agreements

A binding relationship is created only when both the Company and the Client sign a written mandate agreement. That agreement sets out the scope, the deliverables, the timetable, the fee and the responsibilities of each party.

Until a mandate is signed, any survey conversation, sketch plan or preliminary view is provided for discussion only and does not create any obligation on either side. Either party may decide not to proceed before signature without liability for the decision itself.

A mandate agreement will normally describe the deliverables in plain terms, name the person responsible on each side, set the review gates and record how a change of scope is to be agreed. We prefer a short written understanding to a long informal one, because it prevents misunderstanding later.

Fees and Payment

Fees are stated in the mandate agreement and are payable in the currency and on the schedule set out there. Unless the agreement says otherwise, fees are exclusive of applicable taxes, which are added where required by law.

Where an invoice is not paid by its due date, we may suspend work on the affected mandate and charge interest on the outstanding amount at the rate permitted by law. We may also recover reasonable costs incurred in recovering a debt. A fee dispute does not remove the obligation to pay the undisputed portion of an invoice.

If the scope of a mandate changes materially, we will agree any change to the fee in writing before the extra work is carried out. We do not present a larger invoice after the event without a prior written understanding, and we expect the same clarity from those who work with us.

Client Obligations

The Client agrees to provide accurate and complete information, to respond to reasonable requests in a timely manner and to inform us promptly of any change that affects the mandate. The quality of our work depends on the quality of the information we receive.

The Client is responsible for maintaining its own records, for reviewing every deliverable and for deciding whether to act on it. The Client must also ensure that it has the authority to share any document or data it provides to us.

If the information we receive is incomplete, our plan will say so. We will not quietly fill a gap with an assumption and present it as a finding. Where a decision depends on a missing document, we will name the document and pause until it arrives.

Third Party Information

Our research may rely on information obtained from issuers, market data providers, custodians and other third parties. While we take reasonable care in selecting and using those sources, we cannot guarantee that third party information is accurate, complete or current at all times.

Where a figure or statement is attributed to a third party, it is provided on that party basis and should be verified against the underlying document before it is relied upon. We are not responsible for decisions taken on the basis of third party material.

If we discover that a third party source was wrong in a material way, we will tell affected clients promptly and explain what changed. Correcting the record quickly is more important to us than appearing never to have made a mistake.

Intellectual Property

All intellectual property rights in the website and the Content belong to the Company or its licensors. These rights include copyright, design rights, trade marks and database rights. Nothing in these terms transfers any ownership of those rights to you.

The NDF name, the plan sheet design and the written materials are protected. You may refer to us by name in a factual way, but you may not use our marks in a manner that suggests endorsement or partnership without written permission. Any deliverable prepared for a Client remains subject to the licence terms stated in the mandate agreement.

Where we create a bespoke plan for a Client, the Client receives the right to use that plan internally for the purpose it was prepared. The underlying methods, templates and library of scenarios remain ours, and we may reuse the method for another engagement in a way that does not disclose the Client identity or confidential detail.

Confidentiality

Each party may receive confidential information from the other in the course of a mandate. The receiving party agrees to keep that information confidential, to use it only for the purposes of the engagement and to disclose it only to those who need it and who are bound by equivalent duties.

Confidentiality obligations do not apply to information that is already public, that is lawfully received from another source, that is independently developed without reference to the confidential information or that must be disclosed by law or by a competent authority.

Where disclosure is required by law, the party required to disclose will, where it is permitted to do so, give the other party advance notice so that protective steps can be considered. Confidentiality continues after a mandate ends.

Website Availability

We aim to keep the website available and accurate, but we do not promise uninterrupted access. The website may be unavailable during maintenance, during updates or because of events beyond our reasonable control.

We may change, suspend or withdraw any part of the website at any time without notice. We are not liable to you for any loss arising from an interruption to the website, provided that we take reasonable steps to restore access.

Disclaimers

To the fullest extent permitted by law, the website and the Content are provided on an as available basis without warranties of any kind, whether express or implied. We do not warrant that the website will be free of errors, that defects will be corrected or that the Content is suitable for any particular purpose.

Nothing in these terms limits any warranty or right that cannot lawfully be limited. Some jurisdictions do not allow the exclusion of certain warranties, so parts of this section may not apply to you.

Limitation of Liability

To the fullest extent permitted by law, the Company is not liable for indirect, incidental, special or consequential loss, nor for loss of profit, loss of opportunity, loss of data or business interruption, however caused and whether arising in contract, tort or otherwise.

Where liability cannot be excluded, our total aggregate liability arising from or in connection with the use of the website is limited to the amount of fees paid to us for the specific engagement giving rise to the claim. Nothing in these terms excludes or limits liability for fraud, for death or personal injury caused by negligence, or for any other liability that the law does not allow to be excluded.

Indemnity

You agree to indemnify and keep indemnified the Company, its officers and staff against any claim, loss, liability and cost arising from your breach of these terms, your misuse of the website or your infringement of the rights of any third party.

This indemnity does not apply to the extent that a claim arises from our own negligence or wilful misconduct. We will notify you promptly of any claim that may fall within this indemnity and will take reasonable steps to mitigate the loss.

Termination

We may suspend or terminate your access to the website immediately if you breach these terms or if we are required to do so by law. Termination of website access does not affect any mandate agreement, which continues according to its own terms.

A mandate agreement may be terminated in the circumstances set out in that agreement, including by written notice where the agreement permits. On termination, provisions relating to confidentiality, intellectual property, liability and governing law survive and continue to bind the parties.

Governing Law and Jurisdiction

These terms are governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction over any dispute arising from or in connection with these terms, unless a mandatory rule of the country where you reside gives you the right to bring proceedings elsewhere.

Before commencing formal proceedings, the parties agree to attempt in good faith to resolve any dispute through discussion. This does not prevent either party from seeking urgent relief where it is necessary to protect a legal right.

Changes to These Terms

We may revise these terms from time to time. The current version is always published on this page, and the effective date is shown at the foot of the page. Your continued use of the website after a revision takes effect means that you accept the revised terms.

Where a change is material, we will take reasonable steps to bring it to your attention. Changes do not apply retroactively to a mandate agreement that has already been signed unless the agreement itself allows for them.

Contact Details

Questions about these terms, requests for permission to reuse Content and notices relating to a mandate should be sent to the details below.

These terms should be read together with our Privacy Policy, which explains how we handle personal information. Both documents form part of the framework that governs your relationship with NDF INVESTMENTS LIMITED.