TERMS OF SERVICE

Please read these terms of use carefully before using our site.

Who we are and how to contact us:

www.obuinvest.com is a site operated by OBU Ltd, a company registered in England and Wales under company number 11698933 with our registered office at 14-16 Bridgford Road, West Bridgford, Nottingham, England, NG2 6AB ("we" and “us”).

To contact us, please email compliance@obuinvest.com

By using our site you accept these terms of use

By using our site, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms of use, you must not use our site.

There are other terms that may apply to you

These terms of use refer to the following additional terms, which also apply to your use of our site:

  • Our Privacy and Cookie Policy which sets out how we use, store and process your personal data and information about the cookies on our site;

  • If you become a member of our community, our Membership Terms and Conditions

We may make changes to these terms of use

We amend these terms of use from time to time. Every time you wish to use our site, please check these terms of use to ensure you understand the terms of use that apply at that time. These terms of use were most recently updated on 6th February 2023.

We may make changes to our site

We may update and change our site from time to time to reflect changes to our courses or membership or to provide any important information to our users. We will try to give you reasonable notice of any major changes.

We may suspend or withdraw our site

Our site is made available free of charge.

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

We may transfer this agreement to someone else

We may transfer our rights and obligations under these terms of use to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under these terms of use.

Our site is only for business users in the UK

Our site is directed to business users based in the United Kingdom. We do not represent that content available on or through our site is appropriate for use or available in other locations.

You must keep your account details safe

If you choose, or you are provided with, a username, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

We have the right to disable any username or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.

If you know or suspect that anyone other than you knows your username or password, you must promptly notify us at compliance@obuinvest.com.

Intellectual property rights and how you may use material on our site


We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it.  Those works are protected by copyright laws and other intellectual property rights. All such rights are reserved.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.

You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

What you cannot do on our site

You must not conduct, facilitate, authorise, or permit any text or data mining or web scraping in relation to our site or any services provided via, or in relation to, our site. This includes using (or permitting, authorising, or attempting the use of):

  • Any "robot", "bot", "spider", "scraper" or other automated device, program, tool, algorithm, code, process, or methodology to access, obtain, copy, monitor or republish any portion of the site or any data, content, information, or services accessed via the same.

  • Any automated analytical technique aimed at analysing text and data in digital form to generate information which includes but isn’t limited to patterns, trends, and correlations.

The provisions in this clause should be treated as an express reservation of our rights in this regard, including for the purposes of Article 4(3) of Digital Copyright Directive ((EU) 2019/790).

This clause shall not apply insofar as (but only to the extent that) we are unable to exclude or limit text or data mining or web scraping activity by contract under the laws which are applicable to us.

Do not rely on information on this site

The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.

We are not responsible for websites we link to


Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.

We have no control over the contents of those sites or resources.

User-generated content is not approved by us

This site may include information and materials uploaded by other users of the site, including on members’ posts and on private chats. This information and these materials have not been verified or approved by us. The views expressed by other users on our site do not represent our views or values.

How to complain about content uploaded by other users

If you wish to complain about content uploaded by other users, please contact us on compliance@obuinvest.com..

Our responsibility for loss or damage suffered by you

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

If you are a business:

  • We exclude all implied conditions, warranties, representations or other terms that may apply to our site or any content on it.

  • We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

  • use of, or inability to use, our site; or

  • use of or reliance on any content displayed on our site.

  • In particular, we will not be liable for:

  • loss of profits, sales, business, or revenue;business interruption;

  • loss of anticipated savings;

  • loss of business opportunity, goodwill or reputation; or

  • any indirect or consequential loss or damage.

  1. How we may use your personal information

    We will comply with our data protection responsibilities under UK data protection laws. We will only use your personal information as set out in our privacy policy.

    Uploading content to our site

    Whenever you make use of a feature that allows you to upload content to our site, or to make contact with other users of our site, you must comply with the content standards set out below.

    Any content you upload to our site will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, but you are required to grant us a limited licence to use, store and copy that content and to distribute and make it available to third parties. 

    We also have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our site constitutes a violation of their intellectual property rights, or of their right to privacy.

    You are solely responsible for securing and backing up your content.


    Content Standards 

    These content standards apply to any and all material which you contribute to our site and to any interactive communication services associated with it. 

    You warrant that any such contribution does comply with the standards, and you will be liable to us and indemnify us for any breach of that warranty. This means you will be responsible for any loss or damage we suffer as a result of your breach of warranty.

    Material must be: 

    • Accurate (if it states facts); 

    • Genuinely held (if it states opinions) ; and

    • Comply with the law applicable in England and Wales and in any country from which it is posted. 

    Material must not: 

    • Be defamatory of any person; 

    • Be obscene, offensive, hateful, or inflammatory;

    • Bully, insult, intimidate or humiliate;

    • Promote sexually explicit material; 

    • Include child sexual abuse material; 

    • Promote violence or have terrorist content;

    • Promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age;

    • Infringe any copyright, database right or trademark of any other person;

    • Be likely to deceive any other person;

    • Breach any legal duty owed to a third party, such as a contractual duty or a duty of confidence; 

    • Promote any illegal content or activity;Be in contempt of court; 

    • Be threatening, abuse, or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety;

    • Be likely to harass, upset, embarrass, alarm or annoy other person;

    • Impersonate any person or misrepresent your identity or affiliation with another person; 

    • Give the impression that the material emulates from OBU Ltd if that is not the case;

    • Advocate, promote, incite any party to commit, or assist any unlawful or criminal act such as (by way of example only) copyright infringement or computer misuse;

    • Contain a statement which you know or believe, or have reasonable grounds for believing, that members of the public to whom the statement is, or is to be, published are likely to understand as a direct or indirect encouragement or other inducement to the commission, preparation or instigation of acts of terrorism; or 

    • Contain any advertising or promote any web links to other sites. 

  2. Failure to comply with the above content standards constitutes a material breach of these terms of use upon which you are permitted to use this site, and may result in our taking of all or any of the following actions: 

    • Immediate, temporary or permanent withdrawal of your right to use our site; 

    • Immediate, temporary or permanent removal of any materials uploaded by you to our site;

    • Issue of a warning to you;

    • Legal proceedings against you for reimbursement of all costs on an indemnity basis (including but not limited to, reasonable administrative and legal costs) resulting from the breach;

    • Further legal action against you; or

    • Disclosure of such information to law enforcement authorities as we reasonably feel is necessary or as required by law.

  3. We exclude our liability for all action we may take in response to breaches of these content standards. The actions we may take are not limited to those described above, and we may take any other action we reasonably deem appropriate.


    Rights you are giving us to use material you upload

    When you upload or post content to our site, you grant us the following rights to use that content:

    • a worldwide, non-exclusive, royalty-free, transferable licence to use, reproduce, distribute, prepare derivative works of, display, and perform that user-generated content in connection with the service provided by the site and across different media including to promote the site or the service to expire when you delete the content from the site; or

    • a worldwide, non-exclusive, royalty-free, transferable licence for other users, partners or advertisers to use the content in accordance with the functionality of the site to expire when you delete the content from the site.

    What you cannot do with our site

    We are not responsible for viruses and you must not introduce them. We do not guarantee that our site will be secure or free from bugs or viruses.

    You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software.

    You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will cooperate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

    Rules about linking to our site

    You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

    You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

    You must not establish a link to our site in any website that is not owned by you.

    Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.


    We reserve the right to withdraw linking permission without notice.

    The website in which you are linking must comply in all respects with the content standards set out above.

    If you wish to link to or make any use of content on our site other than that set out above, please contact  compliance@obuinvest.com.

    Which country's laws apply to any disputes?

    These terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. Both you and we agree to the exclusive jurisdiction of the courts of England and Wales.