Terms of Use

1. PRELIMINARY PROVISIONS AND ACCEPTANCE

1.1  Binding Nature of These Terms

Access to, and use of, the website located at https://www.idbx.com (hereinafter referred to as "the Website") is governed exclusively by the terms and conditions set forth in this document (hereinafter "the Terms"). By accessing, browsing, or otherwise using the Website, any person or entity (hereinafter "the User") acknowledges having read, understood, and agreed to be bound by these Terms in their entirety. Where a User does not accept any provision contained herein, continued use of the Website is not permitted, and the User must discontinue access immediately.

1.2 Eligibility and Institutional Access

The Website and all content, tools, data, and services accessible through it are directed exclusively at institutional clients, professional counterparties, and business entities operating within the financial services sector or ancillary industries. IDBX Corporation Ltd does not provide services to retail clients, private individuals acting in a non-commercial capacity, or any person who has not been engaged through a formal institutional relationship. Accessing the Website does not, under any circumstances, constitute or imply the establishment of a client relationship, a contractual engagement, or an advisory mandate.

1.3 Capacity to Contract

Any User representing a corporate entity warrants that they possess the requisite authority to bind that entity to these Terms. Where such authority is absent or uncertain, the individual accessing the Website remains personally bound by these Terms to the extent permitted by applicable law.

1.4 Amendments

IDBX Corporation Ltd reserves the right to revise, supplement, or otherwise amend these Terms at any time, without prior notice. The date of the most recent revision is displayed at the head of this document. Each visit to the Website following any such amendment constitutes fresh acceptance of the Terms as revised. Users are accordingly encouraged to review these Terms periodically.

2. COMPANY INFORMATION AND LEGAL IDENTITY

2.1 Registered Details

The Website is owned and operated by IDBX Corporation Ltd, a company incorporated under the laws of England and Wales pursuant to the Companies Act 2006. The company's registered name, registered office address, company registration number, and any applicable VAT registration details are disclosed in accordance with the Company, Limited Liability Partnership and Business (Names and Trading Disclosures) Regulations 2015 and are available upon written request addressed to legal@idbx.com.

2.2 Contact Information

All legal correspondence, enquiries relating to compliance matters, and formal notices addressed to IDBX Corporation Ltd shall be directed to legal@idbx.com. General enquiries may be submitted through any contact channel designated on the Website.

2.3 Electronic Commerce Compliance

In accordance with the Electronic Commerce (EC Directive) Regulations 2002, IDBX Corporation Ltd makes available the information required of an information society service provider. Where specific statutory disclosures are not immediately visible on a given page of the Website, they may be accessed through the Website's legal section or obtained upon request.

3. NATURE OF THE PLATFORM AND SERVICES

3.1 Informational and Institutional Character.

The Website operates as an informational and institutional platform, providing qualified business users with access to information regarding IDBX Corporation Ltd's trading infrastructure, capabilities, and institutional offerings. Nothing published on the Website constitutes a binding offer, invitation to treat, or solicitation directed at any specific person or entity. All materials are provided for informational purposes only, and no transactional relationship is created by mere access to or use of the Website.

3.2 No Retail Services

IDBX Corporation Ltd does not accept instructions, orders, or funds from retail clients through the Website or through any electronic transfer mechanism accessible via the Website. Any representation to the contrary, whether appearing on third-party websites, applications, or communications purporting to originate from IDBX Corporation Ltd, should be treated as fraudulent. Users are advised to consult the official fraud warning notice available on the Website and to report suspected impersonation to Action Fraud via https://www.actionfraud.police.uk or by calling 0300 123 2040.

3.3 No Investment Advice

The content accessible through the Website does not constitute investment advice, financial promotion, or a personal recommendation within the meaning of the Financial Services and Markets Act 2000 (FSMA 2000) or the FCA Handbook. IDBX Corporation Ltd does not provide regulated advice to Website users in their capacity as visitors, and no content on the Website should be interpreted as guidance upon which an investment or commercial decision ought to be based.

3.4 B2B Platform Scope

The platform and its associated services are designed to serve the specific operational and informational requirements of business counterparties. Institutional engagements and the terms governing any specific contractual relationship between IDBX Corporation Ltd and a business client are documented separately in dedicated agreements, which take precedence over these Terms in the event of any conflict arising within the specific scope of such engagement.

4. INTELLECTUAL PROPERTY

4.1 Ownership of Rights

All content published on or accessible through the Website, including but not limited to text, graphics, logos, icons, images, data compilations, software, code, page layouts, and the overall selection and arrangement of materials, constitutes the intellectual property of IDBX Corporation Ltd or of third parties who have granted it a licence to use such materials. The foregoing are protected under the Copyright, Designs and Patents Act 1988, applicable trademark legislation, and all other intellectual property laws in force in England and Wales and, to the extent recognised, internationally.

4.2 Restrictions on Use

No User is permitted to reproduce, copy, modify, distribute, transmit, republish, display, license, sell, or create derivative works from any content obtained through the Website, whether in whole or in part, without the prior written consent of IDBX Corporation Ltd. Any unauthorised use constitutes an infringement of intellectual property rights and may give rise to civil liability as well as criminal sanctions under the Copyright, Designs and Patents Act 1988 and related statutes.

4.3 Trademarks and Trade Names

The name "IDBX," the IDBX logo, and any associated branding elements are trademarks of IDBX Corporation Ltd. Nothing in these Terms, and nothing arising from the use of the Website, shall be construed as granting any licence or right to use any trademark, service mark, or other proprietary designation belonging to IDBX Corporation Ltd without its express prior written authorisation.

4.4 User-Submitted Content

In the event that any User submits or otherwise transmits content to IDBX Corporation Ltd through the Website or any associated communication channel, that User warrants that such content does not infringe the intellectual property rights of any third party and that IDBX Corporation Ltd may use, reproduce, and distribute such content for the legitimate purposes of the company without incurring liability to any party.

5. ACCEPTABLE USE

5.1 General Conduct

Users undertake to access and use the Website solely for lawful purposes and in a manner that does not infringe the rights of others or restrict or inhibit their use and enjoyment of the Website. Prohibited conduct includes, without limitation: the transmission of any unlawful, harassing, defamatory, obscene, or fraudulent content; the introduction of malicious code, viruses, or other technologically harmful material; the extraction or scraping of data without authorisation; and any attempt to gain unauthorised access to the Website's underlying systems, servers, or databases.

5.2 Automated Access

The use of automated tools, bots, crawlers, or any similar mechanism to access, index, or reproduce Website content is strictly prohibited unless IDBX Corporation Ltd has granted prior written authorisation for such activity. Any such unauthorised automated access may give rise to civil liability and may be reported to the relevant authorities.

5.3 Compliance with Applicable Law

Each User bears sole responsibility for ensuring that their use of the Website complies with all laws, regulations, and regulatory requirements applicable in their own jurisdiction. IDBX Corporation Ltd makes no representation that the Website, or any content contained therein, is appropriate or available for use in jurisdictions outside the United Kingdom.

5.4 Account Security

Where access credentials, login details, or any form of authentication mechanism are issued to a User in connection with the Website or any associated institutional platform, that User assumes full responsibility for maintaining the confidentiality of such credentials. Any unauthorised access resulting from a User's failure to safeguard their credentials shall not give rise to any liability on the part of IDBX Corporation Ltd.

6. DISCLAIMERS AND LIMITATION OF LIABILITY

6.1 Availability of the Website

IDBX Corporation Ltd endeavours to ensure that the Website remains accessible at all times; however, no warranty is given, whether express or implied, as to the continuous, uninterrupted, or error-free availability of the Website. Temporary periods of inaccessibility may result from scheduled maintenance, technical failures, or circumstances beyond the company's reasonable control, and no liability shall attach to IDBX Corporation Ltd in consequence of any such interruption.

6.2 Accuracy of Content

The materials published on the Website are provided in good faith and are believed to be accurate and up-to-date at the time of publication. Nevertheless, IDBX Corporation Ltd does not warrant the completeness, accuracy, or fitness for any particular purpose of such materials, and Users rely on them at their own risk. The company reserves the right to amend or remove any content without notice.

6.3 Exclusion of Liability

To the fullest extent permitted by the Unfair Contract Terms Act 1977 and any other applicable legislation, IDBX Corporation Ltd excludes all liability for any direct, indirect, incidental, special, or consequential loss or damage arising out of or in connection with a User's access to, or reliance upon, the Website or any content contained therein. The reasonableness of this exclusion is acknowledged in the context of a purely informational, B2B platform that does not enter into contractual relationships with Users by virtue of Website access alone.

6.4 Third-Party Actions

IDBX Corporation Ltd accepts no responsibility for any loss or damage arising from the actions of third parties who gain unauthorised access to a User's systems in connection with use of the Website, nor for any fraudulent misrepresentation made by third parties impersonating IDBX Corporation Ltd. Users are encouraged to verify the authenticity of all communications purportedly originating from the company through the official contact channels listed in Section 2.2 above.

6.5 Third-Party Actions

IDBX Corporation Ltd shall not be held liable for any failure or delay in performing any obligation under these Terms where such failure or delay arises from causes beyond its reasonable control, including but not limited to acts of God, governmental action, civil disorder, epidemic or pandemic, industrial action, failure of third-party infrastructure, or power outages.

7. REGULATORY AND FINANCIAL SERVICES DISCLAIMERS

7.1 FCA Regulatory Status

Users are advised that access to this Website does not constitute, and should not be interpreted as, the provision of a regulated financial service within the meaning of the Financial Services and Markets Act 2000 (FSMA 2000). Any regulated activities undertaken by IDBX Corporation Ltd are governed by separately documented agreements and are subject to the relevant requirements of the Financial Conduct Authority (FCA). Users are encouraged to verify the FCA registration status of any firm before entering into a financial services engagement by consulting the FCA Financial Services Register at https://register.fca.org.uk.

7.2 No Financial Promotion

No material published on this Website constitutes a financial promotion for the purposes of Section 21 of the FSMA 2000 or the Financial Promotion Order 2005. The Website is directed solely at persons who qualify as professional clients or eligible counterparties within the meaning of the FCA's Conduct of Business Sourcebook (COBS). Any person who does not meet these criteria is advised to seek independent professional advice before taking any action based upon information found on the Website.

7.3 Market and Investment Risk

General references to financial instruments, trading platforms, or market activity on the Website are provided for institutional informational purposes only. Past performance is not indicative of future results, and all financial instruments carry risk. No content on the Website constitutes a personal recommendation or a solicitation to buy, sell, or hold any financial instrument.

8. THIRD-PARTY LINKS AND SOCIAL MEDIA

8.1 External Links

The Website may contain hyperlinks to websites operated by third parties. Such links are provided solely as a convenience to Users, and their inclusion does not imply endorsement of, or affiliation with, the linked websites or the entities that operate them. IDBX Corporation Ltd exercises no control over the content, privacy practices, or accuracy of any third-party website, and accepts no liability for any loss or damage arising from a User's access to or reliance on such sites.

8.2 Social Media Channels

IDBX Corporation Ltd maintains a presence on LinkedIn and Instagram for the sole purpose of institutional branding and corporate communications. Links to these platforms appearing on the Website are provided for identification purposes only. No tracking technologies, pixels, or data-capture tools operated by such platforms are integrated into the Website through these links. Users accessing social media platforms through such links do so subject to the terms and conditions and privacy policies of those platforms, over which IDBX Corporation Ltd has no authority.

8.3 Incoming Links

Third parties wishing to create a hyperlink to any page of the Website must obtain prior written consent from IDBX Corporation Ltd. Deep-linking, framing, or any technique that presents the Website's content within another platform in a manner that obscures its origin is expressly prohibited without written authorisation.

9. DATA PROTECTION

9.1 Applicable Framework

The collection and processing of personal data in connection with the Website are governed by IDBX Corporation Ltd's Privacy Policy, available at https://www.idbx.com/privacy-policy, and comply with the UK General Data Protection Regulation (UK GDPR), as retained in domestic law by the European Union (Withdrawal) Act 2018 and supplemented by the Data Protection Act 2018, as amended by the Data (Use and Access) Act 2025.

9.2 Relationship Between Documents

Nothing in these Terms derogates from the rights and obligations set out in the Privacy Policy or the Cookie Policy, both of which form part of the overall legal framework governing the use of the Website. In the event of any inconsistency between these Terms and the Privacy Policy or Cookie Policy on a matter specifically relating to the processing of personal data, the Privacy Policy shall prevail.

10. GOVERNING LAW AND JURISDICTION

10.1 Applicable Law

These Terms, and any dispute, claim, or obligation arising out of or in connection with them, their subject matter, or formation (including non-contractual disputes or claims), shall be governed by and construed in accordance with the law of England and Wales.

10.2 Jurisdiction

Subject to clause 10.3 below, the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms or their subject matter or formation. Each User irrevocably submits to the jurisdiction of such courts.

10.3 Alternative Dispute Resolution

Without prejudice to the right of either party to seek interim or urgent relief from a court of competent jurisdiction, IDBX Corporation Ltd is willing to engage in good-faith mediation or other alternative dispute resolution proceedings before commencing formal litigation. Any User wishing to raise a complaint or dispute is invited to contact IDBX Corporation Ltd in the first instance at legal@idbx.com, setting out the nature of the dispute and the remedy sought, in order to allow the company a reasonable opportunity to address the matter informally.

11. SEVERABILITY, WAIVER, AND ENTIRE AGREEMENT

11.1 Severability

Should any provision of these Terms be found by a court or tribunal of competent jurisdiction to be unlawful, void, or otherwise unenforceable, that provision shall be severed from the remaining Terms, which shall continue in full force and effect to the maximum extent permitted by law. The severed provision shall be replaced, to the extent possible, with a lawful provision that reflects, as closely as the law allows, the original intent of the parties.

11.2 No Waiver

Any failure by IDBX Corporation Ltd to enforce any provision of these Terms at any given time shall not be construed as a waiver of its right to do so at a later date, nor shall it constitute a waiver of any other provision. A waiver is effective only if given in writing and signed by an authorised representative of IDBX Corporation Ltd.

11.3 Entire Agreement

These Terms, together with the Privacy Policy and the Cookie Policy, constitute the entire agreement between IDBX Corporation Ltd and the User with respect to the subject matter hereof, and supersede all prior communications, representations, and agreements relating to Website use. Nothing in these Terms shall limit or exclude any liability that cannot lawfully be excluded under the laws of England and Wales.

12. SEVERABILITY, WAIVER, AND ENTIRE AGREEMENT

12 CONTACT AND FORMAL NOTICES

All formal notices, legal correspondence, and communications relating to these Terms shall be addressed to IDBX Corporation Ltd at legal@idbx.com. General enquiries regarding the Website may be submitted through the contact channels designated on https://www.idbx.com.

IDBX Corporation Ltd will acknowledge formal written notices within a reasonable time and in any event no later than ten (10) business days of receipt.