Terms of Use

Please read these terms of use before using this website (including the Limitations of Liability and choice of Law and Jurisdictions.

Website Operator

This Website is run by Kingpin Advisory Ltd (referred to below as “Kingpin”, “we”, “us” or “our”).

'Advisory Central' and 'Affirm' are brand names of Kingpin Advisory Limited, a company incorporated and registered in England & Wales providing management consultancy activities other than financial management. Registered number 14465504. Registered address 5 Cornfield Terrace, Eastbourne, United Kingdom, BN21 4NN.

Application of Terms of Use

These “Terms of Use” (together with the documents referred to in them) tell you the terms of use on which you may make use of our website kpadvisory.co.uk (the “Website”), whether as a guest or registered user. Use of our Website includes accessing, browsing, searching, using the Advisory Central Forum (referred to below as the “Forum”), and use of any service including the Affirm Company Healthchecker which we may provide or registering to use the Website.

Please read these Terms of Use carefully (including the “Limitations of Liability” and “Choice of Law and Jurisdiction” sections below) before you start to use our Website, as these will apply to your use of our Website.

We may update these Terms of Use from time to time, including, to reflect changes in law or as a result of changes to the content of the Website or the addition of new features; it is therefore important that you refer to these Terms of Use from time to time to ensure that you are familiar with the relevant terms which will govern your use of the Website.

These Terms of Use came into force 17 January 2023.

By using our Website, 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 Website.

These Terms of Use incorporate the following additional terms, which also apply to your use of our Website:

Our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our Website, you consent to such processing and you warrant that all data provided by you is accurate.
Our Privacy Policy, also sets out information about the cookies we use on our Website.

Subject to any specific terms identified in respect of a particular feature or part of our Website, these Terms of Use (including, our Privacy Policy) constitute the entire agreement between you and us with respect to your use of the Website.

Accessing the Website

We do not guarantee that our Website, or any content on it, will always be available or that access to it will be uninterrupted. Access to our Website is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our Website without notice. We will not be liable to you if for any reason our Website (or any part, feature of or service under the Website) is removed or is unavailable at any time or for any period.

You are responsible for making all arrangements necessary for you to access our Website (including, having access to an internet connection and an appropriate modern browser).

You are also responsible for ensuring that everyone who accesses our Website through your internet connection is aware of these Terms of Use and other applicable terms and conditions, and that they comply with them.

Prohibited Uses

You may use our Website only for lawful purposes. You may not use our Website:

In any way that breaches these Terms of Use or any applicable law or regulation.
In any way that is unlawful or fraudulent, or which has any unlawful or fraudulent purpose or effect.
To send, knowingly receive, upload, download, use or re-use any material for any commercial purpose or in a manner which does not comply with our content standards (as set out below).
To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar request (commonly known as ‘spam’).
To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.

Disclaimers

The Website contains content generated by us which is provided for general information purposes only. It is not set up to provide specific advice and you acknowledge that the information on the web site is provided “as is” for general information only. It is not intended as professional advice, and should not be relied upon as a substitute for formal consultations with qualified professionals such as Kingpin who are familiar with your individual needs.

For the avoidance of doubt, the 'Advisory Central' discussion forum is a distinct part of the Website and the posts and information contained within it have typically not been created by us (or on our behalf) but have been drafted by individual users who are typically not in a position to give you professional advice. Whilst the 'Advisory Central' discussion forum can be a useful support tool it is important that you recognise that you need to take particular care when using the Forum and again should not be relied upon as a substitute for formal consultations with qualified professionals such as Kingpin who are familiar with your individual needs. .

Many of the professionally authored links from the Website are to reputable institutions and societies and the content contained within can be a valuable source of information. However, any decision based solely on information obtained from the internet can be problematic. Whilst we hope that you will find the third party sites in respect of which we provide links to be of interest, we can accept no responsibility in respect of any third party web sites or any information contained therein.

The information contained in the Website (including, the Forum) may contain technical inaccuracies or typographical errors. We reserve the right to make changes and improvements to any information contained within the Website, at any time and without notice.

Although we make reasonable efforts to update the information on our Website, we make no representations, warranties or guarantees, whether express or implied, that the content on our Website is accurate, complete or up-to-date. We also do not warrant or represent that the information or materials available through the Website will meet your particular requirements or needs or that access to, or use of, the same will be uninterrupted or completely secure.

We do not endorse any specific products, processes, service providers, or other information that may be mentioned on our Website (including, those promoted by any contributors to the 'Advisory Central' discussion forum).

Intellectual Property Rights

We are the owner (or the licensee) of all intellectual property rights in our Website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may download and/or print off one copy of extracts of any page(s) from our Website for your personal use and you may (in a non-commercial context) draw the attention of others to content posted on our Website.

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 further 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 author(s) of content on our Website must always be acknowledged.

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

If you print off, copy or download any part of our Website in breach of these Terms of Use, your right to use our Website (and any related materials) will cease immediately and you must, at our choice, return or destroy any copies of the materials you have made (and these Terms of Use shall continue to apply in respect of any such materials).

Website and Discussion Forum - registering and contributions

Registering for an Account

The Forum is a community area of this Website to which you can submit details of your experiences for display, indexing and feedback from other registered users including employees and agents of Kingpin.

If you choose to register for an account with our Website then if you select, or you are given, a user identification code, password or any other piece of information as part of our registration or 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 user identification code or password, whether chosen by you or allocated by us, at any time (and so remove your ability to post to the Forum) at our discretion, including, without limitation, in circumstances where, 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 user identification code or password, you must promptly reset the password.

Please see our Privacy Policy for more information regarding use of personal data relating to you.

You must only use the Website for lawful purposes and you must not infringe the rights of other users of this site or prevent their enjoyment of it.

If you are under the age of 16 then you are unable to register for an account with our Website.

Use of the Discussion Forums

The Forum is intended for the discussion of business matters and related topics. Whenever you use or visit our Website you must comply with the following standards. These standards apply to each part of any contribution you make to the Website (including the Forum) and whether you do, or do not, comply will be determined by us in our sole discretion.

Contributions must:

Be accurate (where they state facts).
Be genuinely held (where they state opinions).
Comply with applicable law in the UK (and in any country from which they are posted).
Be constructive and polite, not mean-spirited or contributed with the intention of causing upset, trouble or ‘trolling’.
Provide proper references and source information for any information sourced from outside of your own experience.

Contributions must not:

Contain any material which is defamatory of any person.
Contain any material which is obscene, offensive, hateful or inflammatory.
Contain any sexually explicit material.
Promote or incite any violence.
Promote or incite any discrimination (including, that which is based on race, sex, religion, nationality, disability, sexual orientation or age).
Infringe any copyright, database right or trade mark or any other proprietary rights of any other person.
Be likely to deceive any person.
Be made in breach of any legal duty owed to a third party, such as a contractual duty or a duty of confidence.
Be threatening, abusive or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety.
Be likely to harass, upset, embarrass, alarm or annoy any other person.
Be used to impersonate any person, or to misrepresent your identity or affiliation with any person. In particular, you may not register more than one account or create any alternative accounts.
Give the impression that they come from us, if this is not the case.
Given the impression that they come from a financial or any other business or other professional, if that is not the case.
Encourage any act or activity that in our opinion could be harmful.
Advocate, promote or assist any unlawful act (such as, for example, copyright infringement or computer or software misuse).
Be the same as, or substantially similar to, comments which you have made in other threads or areas of the Forum (including, for the purposes of promoting a particular message or agenda), i.e. no “spamming” of any discussions.
Include any advertising or be made for any commercial purpose.

Please note that all contributions must be in English (so that we can effectively moderate the Forum).

When using the Website (including the Forum):

you may link to specific URLs (web site addresses) in your contributions where these provide relevant and appropriate background reading or information. However, you must not link to advertising or sites that might cause offence to other users of the Website. Please note that any post containing a URL may be subject to review and moderation;
you must not use it in manner which (in our view) is intended to promote or advertise another website, product or service (including, by inviting other users to send messages directly to you). If you wish to advertise your product or service via the Website (or otherwise) then please contact us in the first instance using the contact details set out below; and
you must not use it for any purpose which is in violation (or which is, or is likely to, cause us to be in violation) of any applicable laws or regulations.

You represent that any contribution you make to the Forum will comply with the standards set out above, and you will be liable to us and be responsible for any loss or damage we suffer as a result of your breach of this representation.

For your safety we advise that you never reveal any personal information about yourself or anyone else in the Forum (for example: full name, telephone number, home address or email address), and please do not include postal addresses of any kind. If you have a helpful address to share, please advise the site administrators.

The Forum is not pre-moderated. While the administrators and moderators of the Forum will attempt to promptly remove or edit any contributions which we consider to breach our terms of use, or to be otherwise inappropriate, it is not possible for us to review every message. We may close threads and/or delete posts or threads where we consider that they are unproductive, not constructive, contain inappropriate subject matter for the Forum or which are otherwise unhelpful. Therefore you acknowledge that all posts made to the Forum express the views and opinions of the author. The views expressed by other users on our Website (including the Forum) do not (necessarily) represent our views or values. If you have any concerns regarding a post or comment on our Forum then please use the ‘Report this’ button on the post to help bring it to our attention.

From time to time, topics may be discussed on the Forum on which there is potential for users to have very strongly held opinions that may seem controversial or which differ significantly from those of other users. You acknowledge that we may remove posts and/or close threads where we consider that they have gone ‘off-topic’, become unconstructive, are contentious as between users and/or are not within the spirit of the Forum: this may include contributions which are not in breach of these Terms of Use.

Suspension and termination of Forum access

We will determine, in our discretion, whether there has been a breach of our Terms of Use (or of our stated aims and goals) through your use of our Website. When a breach of these terms has (in our view) occurred, or where we otherwise deem it necessary, then we may take such action as we deem appropriate, which may include our taking any or all of the following actions:

Immediate, temporary or permanent withdrawal of your right to use our Website (including the Forum).
Immediate, temporary or permanent removal of any posting or material uploaded by you to our Website (including the Forum).
Issuing a warning to you.
Taking 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.
Taking further legal action against you.
Disclosure of such information to law enforcement authorities as we reasonably feel is necessary.

We exclude liability for actions taken in response to breaches of this acceptable use policy. The responses described in this policy are examples, and we may take such other actions as we may reasonably deem appropriate.

Contributions to our Website

Any contribution to this Website which you submit, including via the Forum (including any text, photographs, graphics, video or audio), will be considered non-confidential and non-proprietary. You retain all such ownership rights in your content as you may hold, but in submitting such content to the Website you grant us a perpetual, royalty-free, non-exclusive, right to store, modify (where reasonably necessary to allow publication), copy and publish the contribution on the Website and to make it available to third parties. If you wish to keep your content confidential or do not want to grant us these rights, then please do not submit your contribution to the Forum.

Furthermore, by submitting your contribution to the Website, you warrant that you have the right to make it available to us for all the purposes specified above; it is not defamatory; it does not infringe any law or third party rights; that it has not been copied from any third party and you will be required to reimburse us in respect of all legal fees, damages and other expenses that we may incur as a result of your breach of the above warranty.

We 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 rights (including, without limitation, their intellectual property rights or right to privacy).

We will not be responsible, or liable to any third party, for the content or accuracy of any content posted by you (or any other user of our Website).

We have the right to remove any posting you make on our Website if, in our opinion, your post does not comply with the content standards, or any term, set out in these Terms of Use.

Third Party Links and Resources in our Website

The Website may contain links to other websites and resources operated by third parties. These links are provided for reference and information purposes only. We do not control such websites or resources and are not responsible for their availability or content.

Our inclusion of links to such websites does not imply any endorsement of the material on such websites or any association with their operators. We have no control over the contents of those sites or resources.

Linking to our Website

You may link to the Website, 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. Our Website must not be framed on any other site.

We reserve the right to withdraw or limit this linking permission without notice.

If you wish to make any use of content on our Website other than that set out above, please contact us by email using This email address is being protected from spambots. You need JavaScript enabled to view it.

LIMITATIONS OF LIABILITY

Please read this section carefully as it sets out the limits of our liability to you in relation to your use of the Website.

To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our Website or any content on it, whether express or implied. The Website is provided on an ‘as is’ basis.

We assume no responsibility for the content of websites linked on our Website. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.

We use our reasonable efforts to check the accuracy of the professional information published on our Website. You should, however, note that we do not warrant that such information will be error free and you acknowledge that the information, products, and services published on this Website may include inaccuracies or typographical errors. Changes are periodically made to the information set out in our Website.

We (and/or our suppliers) make no representations about the suitability of the information, products, and services contained on this Website for any purpose.

In no event shall we (or any of our suppliers or licensors) be liable to you (or to any other user) for any indirect, incidental, special, and/or consequential loss or damage, whether arising in contract, tort (including negligence or breach of statutory duty), or otherwise, even if we, or any of our suppliers, have been advised of the possibility of such damages, arising under or in connection with:

use of, or inability to use, our Website;
use of or reliance on any content displayed on our Website (regardless of the origins of such content); and/or
any information, products, and services obtained through this Website, or otherwise arising out of the use of this Website.

We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Website or to your downloading of any content on it, or on any website linked to it.

You acknowledge that we have made the Website available to you in reliance upon these Terms of Use and in particular these Limitations of Liability.

Breach of these Terms of Use

If you fail to follow these Terms of Use when using this Website, you may be sent an e-mail in respect of any such failure. If your failure relates to any contribution or submission to our Website then any such email may inform you as to why your contribution to the Website (including the Forum) has been rejected or edited. This mail may also include a warning that continuing to break the rules may result in action being taken against your account(s).

If you are held to be in breach of any of these Terms of Use then your account(s) may be placed into pre-moderation (meaning that all your contributions will be subject to prior review by a moderator) or we may temporarily or permanently suspend your ability to log on to the Website.

If you post or send offensive or inappropriate content to, or via, this Website or otherwise engage in any disruptive behaviour on the Website, and We consider such behaviour to be serious and/or repeated, then We may use whatever information we have available to us about you to prevent any further such incidents from arising.

We reserve the right to delete any contribution, or take action against any account, at any time, for any reason.

Collection of Personal Data

If you register to use the Website, or any service(s) accessible through the Website, then we may collect personal data from you (including, without limitation, your name, nickname, age, medical conditions and a valid email address). This data will be securely held in accordance with the terms of our Privacy Notice

If any third parties are involved in the delivery or operation of any services that you may choose to receive then this will be detailed in the information and terms provided to you at the relevant time.

Viruses

We do not guarantee that our Website will be secure or free from bugs or viruses and you should use your own, up-to-date, virus protection software.

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

Choice of Law and Jurisdiction

Please note that these Terms of Use, and the agreement which exists between us under the Terms of Use, its subject matter and its formation, are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction over any disputes or claims which might arise.

If you are accessing this Website from outside of the United Kingdom then: (i) we make no representations that the content of this Website will be suitable for your requirements or that it is permissible or legal for you to access the same; and (ii) your use of the Website is entirely at your own risk and you are responsible for ensuring that you act in accordance with any applicable laws.

Use of this Website is unauthorised in any jurisdiction that does not give effect to all provisions of these Terms of Use, including, without limitation, this paragraph.

General

We reserve the right to change these Terms of Use (and any other terms, conditions, and notices) under which this Website is offered.

If any part of these Terms of Use is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.

We reserve the right to freely assign, or otherwise transfer, any of our rights or obligations under these Terms of Use to any third party at our discretion.

Any provision of these Terms of Use that expressly or by implication is intended to come into, or continue in, force on or after termination of your right to use the Website shall remain in full force and effect, including, any licences granted by you in respect of any uploaded content and the provisions of the section titled Limitations of Liability.

We will not be in breach of any of our obligations under these Terms of Use (or otherwise liable for any failure or delay in performance) if we are prevented, hindered or delayed in, or from, performing any of our obligations by any event beyond our reasonable control. The time for performance of such obligations shall be extended accordingly.

Subject to any specific terms detailed on the Website in relation to particular features or materials, these Terms of Use (together with the Privacy Policy) set out the entire agreement between you and us in respect of your use of the Website.

No failure or delay by us to exercise any right or remedy provided under these Terms of Use or by law shall constitute a waiver of that or any other right or remedy, nor shall it prevent or restrict the further exercise of that or any other right or remedy. No single or partial exercise of such right or remedy shall prevent or restrict the further exercise of that or any other right or remedy.

Any rights not expressly granted herein are reserved.