Terms of use.

The Site is operated by SKY7 Fintech Solutions Ltd, a private limited company incorporated in England and Wales with company number 15764792 and registered office at 128 City Road, London EC1V 2NX, United Kingdom. In these Terms, “SKY7”, “we”, “us” and “our” mean SKY7 Fintech Solutions Ltd.

Any local or regional operating arrangement, partner, introducer, adviser or point of contact mentioned on the Site is operational only. It does not change the operator of the Site and does not make any entity or person other than SKY7 Fintech Solutions Ltd your counterparty for use of the Site, unless a separate written agreement expressly says otherwise.

By accessing, browsing, submitting a form through, subscribing through or otherwise using the Site, you agree to these Terms. If you use the Site on behalf of a company, fund, founder team, regulated business or other organisation, you represent that you have authority to bind that organisation to these Terms. If you do not agree to these Terms, do not use the Site.

In these Terms:

• “Content” means all text, copy, graphics, designs, comparisons, jurisdiction notes, articles, insights, forms, catalogues, cards, data, trade names, logos, photographs, downloads, user-interface elements and other materials made available on or through the Site.
• “Engagement Documents” means a separate written engagement letter, statement of work, proposal accepted in writing, sale and purchase agreement, mandate, non-disclosure agreement, data processing agreement or other written contract agreed with SKY7 outside these Terms.
• “Listings” means any Site content describing ready-made companies, shelf companies, aged companies, regulated entities, licences, authorisations, registrations, licence applications, corporate vehicles, accounts, banking history, payment infrastructure or similar opportunities described as available, in application, brokered, owned, mandated, for sale, for transfer or subject to buyer review.
• “Services” means paid or separately agreed consulting, licensing, corporate, compliance, banking-introduction, payment-infrastructure, regulated-entity sale, go-live or related services provided by SKY7 under Engagement Documents.
• “Site” means sky7.legal, including its pages, sub-pages, forms, Listings, Insights, comparison tools, cookie banner and any other website functionality under that domain.
• “User Materials” means information, documents, descriptions, files, data, comments, enquiries, requests, briefs or other materials that you submit to us through the Site.
• “you” and “User” mean any person or organisation accessing or using the Site.

The Site is an information and intake channel. It is not a contract for Services and it does not, by itself, create any retainer, adviser-client relationship, solicitor-client relationship, fiduciary relationship, agency, partnership, joint venture, broker mandate, regulated advisory relationship or other professional-client relationship between you and SKY7.

Submitting a form, requesting a file, booking or attending a scoping call, asking for a quote, subscribing to Insights or asking to review a Listing is an invitation to discuss a potential engagement. It is not acceptance by SKY7, it does not oblige us to act, and it does not oblige you or us to proceed on any commercial terms.

Paid Services, regulated-entity acquisitions, company acquisitions, licensing mandates, payment-infrastructure work, banking introductions and ongoing compliance support are governed only by the relevant Engagement Documents. If an Engagement Document conflicts with these Terms, the Engagement Document governs the relevant paid engagement and these Terms continue to govern use of the Site.

The Site is directed at business users, founders, operators, professional advisers and other persons acting for purposes wholly or mainly within their trade, business, craft or profession. It is not directed at consumers. By using the Site, you represent that you are acting in a business or professional capacity and not as a consumer.

You must be at least 18 years old to use the Site, submit User Materials, request a Listing file or subscribe to Insights. The Site and the Services are not directed to children.

If, despite this clause, you are treated as a consumer under applicable law, nothing in these Terms excludes or restricts any mandatory statutory rights that cannot lawfully be excluded or restricted.

You must not access or use the Site, submit User Materials or request a Listing file where doing so would cause you, us or any other person to breach applicable sanctions, export-control, anti-money laundering, counter-terrorist financing, anti-bribery, anti-corruption or financial-crime laws.

You represent that you are not a designated, blocked or sanctioned person; that you are not owned or controlled by a designated, blocked or sanctioned person; and that you are not using the Site for or on behalf of any person or activity that is prohibited by applicable law.

We may refuse, suspend, restrict or terminate access to the Site or to any Listing materials, and we may decline to respond to an enquiry, where we consider it necessary or prudent for sanctions, AML, counter-terrorist financing, fraud-prevention, regulatory, reputational or risk-management reasons.

Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable licence to access and view the Site and to download or print reasonable extracts of Content for your own internal business evaluation only.

You must not use the Site or Content for commercial republication, resale, database building, lead generation for competing services, automated extraction, model training, competitive intelligence at scale, unlawful activity or any purpose that is inconsistent with these Terms.

We may withdraw or vary this licence at any time. No rights are granted to you except those expressly set out in these Terms.

You must not:

• scrape, crawl, spider, harvest, mine, bulk-download, copy at scale or use bots, scripts, crawlers or automated tools on the Site without our prior written consent;
• reverse-engineer, decompile, disassemble, probe, test, circumvent or interfere with the Site, its security, access controls, cookie controls, hosting, APIs or underlying systems, except to the extent expressly permitted by law;
• introduce malware, malicious code, denial-of-service traffic, vulnerability scans, spam, phishing, spoofing or other harmful material;
• use the Site to misrepresent your identity, authority, regulatory status, ownership, source of funds, source of wealth or intended activity;
• submit false, misleading, incomplete, defamatory, infringing, unlawful, confidential or unauthorised User Materials;
• copy, frame, mirror, deep-link in a misleading way, pass off, remove notices from or otherwise exploit the Site or Content in a way that suggests an unauthorised association with SKY7;
• use Content to advise third parties, make regulated decisions, offer regulated services, solicit investments, market securities, sell companies or licences, or bypass your own legal, regulatory, tax, AML, sanctions, accounting, financial or investment review;
• infringe our intellectual property rights or the rights of any third party; or
• attempt to do, assist, encourage or permit any of the above.

The Site and Content are owned by SKY7, our affiliates, our licensors, our sellers or other content providers and are protected by copyright, database rights, trade mark rights, passing-off rights and other intellectual property and unfair-competition laws.

SKY7, SKY7 Fintech Solutions, the SKY7 name, the Site design, trade dress, logos, product names, service names, page layouts and related brand assets are our trade marks or brand assets. You may not use them without our prior written consent, except to refer to SKY7 accurately and in good faith.

References to regulators, public authorities, banks, payment providers, jurisdictions, licences, trade marks or third-party names are descriptive only. They do not imply endorsement, partnership, approval or authorisation by those third parties unless expressly stated in an Engagement Document.

If you provide feedback, suggestions or ideas about the Site or Content, you grant SKY7 a perpetual, worldwide, royalty-free licence to use them without restriction or payment to you.

The Content is provided for general business information and initial scoping only. It is not legal, regulatory, tax, investment, financial, accounting, AML, sanctions, banking, technical, operational or other professional advice. You must not rely on it as advice or as a substitute for advice from appropriately qualified advisers who understand your facts and target jurisdictions.

Use of the Site does not create any retainer, adviser-client relationship, solicitor-client relationship or duty to advise under English law or any other law. We do not owe you any duty to monitor changes in law, regulation, regulator practice, banking practice, sanctions, market conditions, Listing availability or third-party terms merely because you use the Site.

Regulated perimeters, licensing routes, capital requirements, substance requirements, ownership tests, change-of-control approvals, AML expectations, banking requirements and regulator processing times change frequently and can depend on facts that are not visible from a public website. You are responsible for obtaining current, matter-specific advice before acting.

Any references on the Site to timing, lead time, handover period, median approval time, estimated approval period, regulator review window, banking timeline, payment-rail readiness, “4-12 months”, “1-2 weeks”, “14 days” or similar wording are estimates only. They are not promises, commitments, warranties, service levels or guarantees.

We do not guarantee that any regulator, bank, payment institution, card scheme, payment service provider, exchange, registry, notary, free zone, corporate-service provider, seller, buyer, counterparty or other third party will approve, accept, onboard, maintain, renew, process or complete any application, transfer, change of control, account, mandate, permission, licence, registration, route or structure.

Actual outcomes and timings depend on matters outside the Site and often outside SKY7’s control, including your business model, ownership, management, source of funds, source of wealth, governance, AML framework, documentation quality, local substance, regulator workload, third-party due diligence, adverse media, sanctions screening, banking risk appetite and changes in law or policy.

Listings are indicative, high-level descriptions only. They are not an offer, binding quotation, public offer, financial promotion, prospectus, invitation to invest, invitation to acquire securities, invitation to acquire a business, regulated advice, legal advice, tax advice or commitment that any company, licence, application, banking relationship, account, regulated permission, corporate vehicle or opportunity is available on the terms described.

Information is seller-provided and subject to buyer due diligence, contract, and regulator change-of-control review where applicable. It is not legal, regulatory, tax, investment, or financial advice.

Prices, fees, availability, exclusivity, status, handover windows, regulator position, bank-account status, payment-rail status, corporate standing and seller instructions may change without notice. “On request”, “available”, “in application”, “ready for buyer review”, “owned”, “brokered”, “under mandate”, “clean”, “turnkey” or similar wording must be verified in scoping, due diligence and contract before reliance.

Any potential transaction involving a Listing is subject to, as applicable, buyer and seller KYC, AML and sanctions checks; verification of title, ownership, liabilities, filings, litigation, adverse media, regulatory standing, banking status and source of funds; written transaction documents; payment of agreed consideration and fees; board, shareholder, registry, notarial, bank, payment-provider, regulator or court approvals; change-of-control notifications or approvals; local counsel review; tax advice; and any other condition agreed in writing.

A regulated permission is not a commodity and is not automatically transferable. Completion of an entity acquisition, change of controller, change of directors, change of beneficial owners, change of signatories, change of business model, change of local substance or continuation of a bank account may require notification to or approval by a regulator, bank, registry or other third party. We do not guarantee that approval will be granted, that conditions will be acceptable, that timelines will hold, or that any account, provider relationship or regulated status will continue after closing.

You must carry out your own legal, regulatory, tax, accounting, commercial, technical, AML, sanctions and financial due diligence before entering into any transaction or relying on any Listing.

Where the Site allows you to submit a brief, request a call, subscribe to Insights, request a Listing file or send other User Materials, you must provide accurate, complete and lawful information and you must have authority to provide it.

Do not submit passwords, unnecessary identity documents, payment-card information, special-category data, criminal-record information, source-of-funds documents, confidential third-party information or legally privileged material through a general website form unless we have specifically asked you to do so through an appropriate channel.

User Materials are not treated as privileged merely because they are submitted through the Site. We will handle business enquiries responsibly, but no legal privilege, regulated professional privilege, retainer duty or duty to advise arises unless expressly agreed in Engagement Documents.

You grant us a worldwide, royalty-free, non-exclusive licence to use, copy, store, transmit, assess and disclose User Materials as reasonably necessary to respond to your enquiry, operate the Site, run conflict, risk, sanctions and AML checks, prepare scoping materials, protect our rights and comply with law.

If you subscribe to Insights or other communications, you may unsubscribe using the method provided in the communication or through the Site. Marketing and electronic communications are handled under the Privacy Notice and applicable electronic-communications rules.

Our handling of personal data is described in the Privacy Notice at /privacy-policy. The Privacy Notice explains who the controller is, what data we collect, how we use it, lawful bases, retention, cookies, restricted transfers outside the UK, rights, complaints and privacy contacts.

These Terms do not replace the Privacy Notice. If there is a conflict between these Terms and the Privacy Notice about personal data processing, the Privacy Notice governs the personal data processing and these Terms govern Site use.

If you submit personal data about another person, you are responsible for ensuring that you have a lawful basis and authority to do so and that the person has been given any privacy information required by applicable law.

The Site uses strictly necessary cookies for secure operation and may use analytics, functional or marketing cookies or similar technologies where permitted and, where required, with consent. Cookie choices can be managed through the cookie banner or cookie settings available on the Site.

More information about cookies, analytics and related privacy matters is set out in the Privacy Notice at /privacy-policy.

The Site may link or refer to third-party websites, regulators, registries, banks, payment providers, technology providers, professional advisers, public databases, articles, tools or resources. Those resources are provided for convenience or context only.

We do not control third-party resources and are not responsible for their availability, accuracy, security, content, policies, terms, decisions, onboarding standards, fees, delays or losses arising from your use of them.

Any introduction to a bank, payment provider, professional adviser, seller, buyer, regulator-facing contact or other third party is subject to separate scoping and, where relevant, Engagement Documents. An introduction is not an endorsement, warranty, approval, agency, partnership or guarantee of onboarding, approval, commercial terms or continued service.

We may update, amend, suspend, withdraw, redesign or discontinue any part of the Site or Content at any time without notice. We do not guarantee that the Site or Content will be uninterrupted, error-free, secure, current, complete, accurate, compatible with your systems, free from bugs or free from harmful material.

Content may become outdated because laws, regulator practice, bank policies, sanctions lists, licence routes, fees, availability, processing times and third-party requirements change. We are not obliged to update Content after publication, although we may do so at our discretion.

You are responsible for using appropriate security tools, backups, anti-virus protection, access controls and judgement when using the Site or downloading Content.

The Site and Content are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we exclude all representations, warranties, conditions and terms, whether express, implied, statutory or otherwise, including implied warranties or conditions of accuracy, completeness, timeliness, satisfactory quality, fitness for a particular purpose, non-infringement, availability, uninterrupted access, security and freedom from harmful code.

Nothing in these Terms excludes or restricts any warranty, condition, representation or right that cannot lawfully be excluded or restricted.

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud, fraudulent misrepresentation, or any other liability that cannot lawfully be excluded or limited.

Subject to the non-excludable liability paragraph above and to the fullest extent permitted by law, SKY7 and its affiliates, directors, officers, employees, contractors, representatives and licensors are not liable for any loss or damage arising out of or in connection with: your use of or inability to use the Site; reliance on Content; any Listing; any regulator, bank, payment provider, seller, buyer, registry or third-party decision; delays; errors; omissions; viruses; cyber events; unauthorised access; loss of data; or third-party resources.

Subject to the non-excludable liability paragraph above and to the fullest extent permitted by law, we are not liable for loss of profit, revenue, business, contracts, anticipated savings, goodwill, reputation, opportunity, use, data, management time or for indirect, consequential, special, exemplary or punitive losses, whether arising in contract, tort, negligence, breach of statutory duty, misrepresentation, restitution or otherwise.

Subject to the non-excludable liability paragraph above, our aggregate liability arising out of or in connection with the Site, Content, Listings and these Terms is limited to GBP 100. This cap applies only to Site use and does not limit or replace any liability position agreed in Engagement Documents for paid Services.

Each exclusion and limitation in these Terms is intended to be reasonable having regard to the Site being made available without charge, for general business information only, to business users, and not as a substitute for advice under a written engagement. If you need advice or risk allocation for a specific matter, you should obtain it under appropriate Engagement Documents.

You will indemnify and keep indemnified SKY7 and its affiliates, directors, officers, employees, contractors and representatives against all losses, liabilities, damages, claims, demands, proceedings, costs and expenses, including reasonable legal fees, arising out of or in connection with:

• your breach of these Terms;
• your misuse of the Site, Content or Listings;
• your User Materials;
• your breach of applicable law, sanctions, AML, data-protection, intellectual-property or third-party rights;
• your unauthorised use of our name, brand, Content or systems; or
• any claim by a third party arising from your use of the Site or reliance on Content.

This clause does not require you to indemnify us for losses caused by our fraud or any liability that cannot lawfully be limited or excluded.

We may suspend, block, restrict or terminate your access to the Site, refuse to provide Listing materials, remove or disregard User Materials, report unlawful activity, preserve records, or take technical or legal steps where we reasonably consider it necessary to protect the Site, SKY7, other users, third parties, regulators, sellers, buyers, providers or the integrity of our systems.

We may cooperate with regulators, law-enforcement bodies, courts, payment providers, hosting providers and other competent authorities where required or permitted by law.

We may update these Terms from time to time. The version and effective date at the top of this page identify the current Terms.

Changes take effect when posted on the Site unless the updated Terms state a later effective date. Your continued use of the Site after updated Terms are posted means you accept the updated Terms.

Governing law: England & Wales. These Terms, their subject matter and formation, and any non-contractual obligations arising out of or in connection with them are governed by the laws of England & Wales.

Forum: exclusive jurisdiction of the courts of England & Wales. You and SKY7 irrevocably agree that the courts of England & Wales have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms, the Site, Content, Listings or their subject matter or formation, including non-contractual disputes or claims.

Severability. If any provision of these Terms is invalid, unlawful or unenforceable, the remaining provisions continue in full force and the affected provision is deemed modified to the minimum extent necessary to make it valid, lawful and enforceable.

No waiver. A failure or delay by us in exercising any right or remedy is not a waiver of that right or remedy. A waiver must be in writing and applies only to the circumstances for which it is given.

Assignment. We may assign, transfer, subcontract or otherwise deal with our rights and obligations under these Terms to an affiliate, successor, purchaser or service provider. You may not assign or transfer your rights or obligations under these Terms without our prior written consent.

Entire agreement for Site use. These Terms, together with the Privacy Notice and any cookie choices you make, form the entire agreement between you and SKY7 for use of the Site. They do not form the entire agreement for paid Services or transactions, which are governed by Engagement Documents.

Third-party rights. No person other than you and SKY7 has any right to enforce these Terms, except that SKY7’s affiliates, directors, officers, employees, contractors, representatives and licensors may rely on provisions intended to protect them. The Contracts (Rights of Third Parties) Act 1999 does not otherwise apply.

Survival. Clauses that by their nature should survive termination or cessation of Site use continue to apply, including clauses concerning intellectual property, no advice, Listings, disclaimers, liability, indemnity, governing law and jurisdiction.

Contact us through the contact forms and contact details published on sky7.legal. For operational security, you should treat Site communications as valid only where they are made through sky7.legal or from addresses using the sky7.legal domain, unless we have separately verified another channel in writing.

SKY7 does not use any other domains for Site communications. Do not rely on communications from any domain other than sky7.legal as being from SKY7 for the purposes of the Site.

For privacy enquiries, rights requests and breach notices, use the routes set out in the Privacy Notice at /privacy-policy.