THINKFOLIO | Terms and Conditions

Introduction
1. These terms and conditions govern your use of the ThinkFolio website (thinkfolio.com) ("our website").
2. By using our website, you accept these terms and conditions in full; accordingly, if you disagree with these terms and conditions or any part of these terms and conditions, you must not use our website.
3. Our website uses cookies; by using our website or agreeing to these terms and conditions, you consent to our use of cookies in accordance with the terms of our privacy policy and cookies policy.
Copyright notice
1. Copyright © 2026 ThinkFolio Limited.
2. Subject to the express provisions of these terms and conditions:
  1. we, together with our licensors, own and control all the copyright and other intellectual property rights in our website and the material on our website; and
  2. all the copyright and other intellectual property rights in our website and the material on our website are reserved.
Licence to use website
1. You may:
  1. view pages from our website in a web browser;
  2. download pages from our website for caching in a web browser;
  3. print pages from our website;
  4. stream audio and video files from our website, subject to the other provisions of these terms and conditions.
2. Except as expressly permitted by Section 3.1 or the other provisions of these terms and conditions, you must not download any material from our website or save any such material to your computer.
3. You may only use our website for your own personal and business purposes, and you must not use our website for any other purposes.
4. Except as expressly permitted by these terms and conditions, you must not edit or otherwise modify any material on our website.
5. Unless you own or control the relevant rights in the material, you must not:
  1. republish material from our website (including republication on another website);
  2. sell, rent or sub-license material from our website;
  3. show any material from our website in public;
  4. reproduce, duplicate, copy or otherwise exploit material from our website for a commercial purpose; or
  5. redistribute material from our website save as expressly set out herein.
6. Notwithstanding Section 3.5, you may redistribute any articles or other materials on our website using the available links to social media specifically designed for redistribution.
7. We reserve the right to restrict access to areas of our website, or indeed our whole website, at our discretion; you must not circumvent or bypass, or attempt to circumvent or bypass, any access restriction measures on our website.
Acceptable use
1. You must not:
  1. use our website in any way or take any action that causes, or may cause, damage to the website or impairment of the performance, availability or accessibility of the website;
  2. use our website in any way that is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity;
  3. use our website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software;
  4. conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to our website without our express written consent;
  5. violate the directives set out in the robots.txt file for our website; or
  6. use data collected from our website for any direct marketing activity (including without limitation email marketing, SMS marketing, telemarketing and direct mailing).
2. You must not use data collected from our website to contact individuals, companies or other persons or entities. This shall not prevent you from using the available contact information on our website for the specific purpose for which it is supplied.
Your content: licence
1. In these terms and conditions, "your content" means all works and materials (including without limitation text, graphics, images, audio material, video material, audio-visual material, scripts, software and files) that you submit to us or our website for storage or publication on, processing by, or transmission via, our website.
2. You grant to us a worldwide, irrevocable, non-exclusive, royalty-free licence to use, reproduce, store, adapt, publish, translate and distribute your content (in whole or in part) in or on any existing or future media or this website or any successor website.
3. You grant to us the right to sub-license the rights licensed under Section 5.2.
4. You hereby waive all your moral rights in your content to the maximum extent permitted by applicable law; and you warrant and represent that all other moral rights in your content have been waived to the maximum extent permitted by applicable law.
5. You may edit your content to the extent permitted using the editing functionality made available on our website.
6. Without prejudice to our other rights under these terms and conditions, if you breach any provision of these terms and conditions in any way, or if we reasonably suspect that you have breached these terms and conditions in any way, we may delete, unpublish or edit any or all of your content.
Your content: rules
1. You warrant and represent that your content will comply with these terms and conditions.
2. Your content must not be illegal or unlawful, must not infringe any person's legal rights, must not be capable of giving rise to legal action against any person (in each case in any jurisdiction and under any applicable law), must not be libellous, maliciously false or unhelpful, offensive, anti-social, obscene or discriminatory, and must not infringe any duty of confidentiality or privacy.
Limited warranties
1. We do not warrant or represent:
  1. the completeness or accuracy of the information published on our website;
  2. that the material on the website is up to date;
  3. that the website or any service on the website will remain available; or
  4. that any views or opinions expressed by a contributor to this website necessarily reflect the views or opinions of ThinkFolio Limited or any member of the Gresham Group.
2. We reserve the right to discontinue or alter any or all of our website services, and to stop publishing our website, at any time in our sole discretion without notice or explanation; and save to the extent that these terms and conditions expressly provide otherwise, you will not be entitled to any compensation or other payment upon the discontinuance or alteration of any website services, or if we stop publishing the website.
3. To the maximum extent permitted by applicable law and subject to Section 8.1, we exclude all representations and warranties relating to the subject matter of these terms and conditions, our website and the use of our website.
Limitations and exclusions of liability
1. Nothing in these terms and conditions will:
  1. limit or exclude any liability for death or personal injury resulting from negligence;
  2. limit or exclude any liability for fraud or fraudulent misrepresentation;
  3. limit any liabilities in any way that is not permitted under applicable law; or
  4. exclude any liabilities that may not be excluded under applicable law.
2. The limitations and exclusions of liability set out in this Section 8 and elsewhere in these terms and conditions:
  1. are subject to Section 8.1; and
  2. govern all liabilities arising under these terms and conditions or relating to the subject matter of these terms and conditions, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.
3. We will not be liable for any loss or damage of any nature to the extent that our website and information and services available thereon are provided free of charge.
4. We will not be liable to you in respect of any losses arising out of any event or events beyond our reasonable control.
5. We will not be liable to you in respect of any business losses, including (without limitation) loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill.
6. We will not be liable to you in respect of any loss or corruption of any data, database or software.
7. We will not be liable to you in respect of any special, indirect or consequential loss or damage.
Breaches of these terms and conditions
1. Without prejudice to our other rights under these terms and conditions, if you breach these terms and conditions in any way, or if we reasonably suspect that you have breached these terms and conditions in any way, we may take such steps that we consider to be reasonable including temporarily or permanently prohibiting you or any computer using your IP address from accessing our website.
2. Where we suspend or prohibit or block your access to our website or a part of our website, you must not take any action to circumvent such suspension or prohibition or blocking (including without limitation creating or using a different account).
Variation
1. We may revise these terms and conditions from time to time without notice.
Assignment
1. You hereby agree that we may assign, transfer, sub-contract or otherwise deal with our rights and obligations under these terms and conditions.
2. You may not without our prior written consent assign, transfer, sub-contract or otherwise deal with any of your rights and/or obligations under these terms and conditions.
Severability
1. If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful or unenforceable, the other provisions will continue in effect.
2. If any unlawful or unenforceable provision of these terms and conditions would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.
Third party rights
1. These terms and conditions are for our benefit and your benefit, and are not intended to benefit or be enforceable by any third party.
2. The exercise of the parties' rights under these terms and conditions is not subject to the consent of any third party.
Entire agreement
1. Subject to Section 8.1, these terms and conditions, together with our privacy policy and cookies policy and any other legal terms or policies that we may publish on our website, constitute the entire agreement between you and us in relation to your use of our website and supersede all previous agreements between you and us in relation to your use of our website.
Law and jurisdiction
1. These terms and conditions shall be governed by and construed in accordance with English law. Any disputes relating to these terms and conditions shall be subject to the non-exclusive jurisdiction of the courts of England.
Statutory and regulatory disclosures
1. The ThinkFolio website (thinkfolio.com) is owned and operated by the Gresham Group which includes ThinkFolio Limited, and the ultimate parent company Everest Topco Limited.
2. You can contact us by writing to ThinkFolio Limited, Aldermary House, 10-15 Queen Street, London EC4N 1TX, or by using the contact form on thinkfolio.com.

Terms and Conditions

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