Welcome to Markets Mosaic Ltd (“Company,” “we,” “us,” “our”). These Terms of Use govern your access to and use of our website https://marketmosaic.co.uk/ (the “Site”) and the services we provide.

By accessing or using our services, you agree to comply with these Terms of Use. If you do not agree, please refrain from using our website and services.

1. Acceptance of Terms

By using our Site and services, you:

• Confirm that you are at least 18 years old (or have parental consent).
• Agree to abide by these Terms of Use.
• Acknowledge that violations may result in account suspension or termination.

2. Services Offered

Markets Mosaic Ltd provides Market Research and Competitor Analysis services, including:

• Competitor Benchmarking and Analysis
• Product and Pricing Research
• Customer and Audience Insights
• Industry and Market Trend Analysis

We reserve the right to modify or discontinue any service at our discretion.

3. User Responsibilities

When using our website and services, you agree to:

• Provide accurate and up-to-date information.
• Use our services only for lawful purposes.
• Not engage in unauthorized access, hacking, or data scraping.
• Respect intellectual property rights.
• Avoid misleading, fraudulent, or deceptive activities.

We reserve the right to suspend or terminate accounts that violate these terms.

4. Account Registration and Security

To access certain features, you may need to create an account. You are responsible for:

• Keeping login credentials confidential.
• Notifying us immediately of unauthorized account use.
• Accepting that we are not responsible for losses due to unauthorized access.

5. Payments and Refund Policy

If you purchase services from us:

• Payments must be made in full before service delivery.
• Prices are subject to change without prior notice.
• Refunds may be provided only under specific circumstances, as outlined in our refund policy.

For any payment disputes, please contact info@marketmosaic.co.uk.

6. Intellectual Property Rights

All content on this Site, including text, graphics, logos, and software, is the exclusive property of Markets Mosaic Ltd or its licensors. You may not:

• Copy, reproduce, or distribute our content without permission.
• Modify, reverse-engineer, or exploit our intellectual property.
• Use our trademarks without prior written consent.

Any unauthorized use of our intellectual property may lead to legal action.

7. Third-Party Links

Our Site may include links to third-party websites. We do not:

• Endorse or control these third-party sites.
• Take responsibility for their content, policies, or practices.

Use external links at your own risk.

8. User-Generated Content

If you submit content (reviews, testimonials, or comments), you grant us:

• A non-exclusive, royalty-free, worldwide license to use, distribute, and display the content.
• The right to remove content that violates these Terms or is deemed inappropriate.

Users are solely responsible for the content they submit.

9. Limitation of Liability

To the maximum extent permitted by law, Markets Mosaic Ltd shall not be liable for:

• Any indirect, incidental, or consequential damages.
• Losses due to unauthorized access, data breaches, or service interruptions.
• Any errors, inaccuracies, or delays in the provided information.

Our total liability shall not exceed the amount paid for our services.

10. Indemnification

You agree to indemnify and hold Markets Mosaic Ltd harmless from claims, damages, or expenses arising from:

• Your violation of these Terms.
• Your misuse of our services.
• Any third-party claims related to your use of our website.

11. Privacy Policy

By using our services, you agree to our Privacy Policy, which explains how we collect, store, and use your data. You can read it here.

12. Termination of Services

We reserve the right to terminate or suspend your access if:

• You violate these Terms.
• Your actions disrupt our services or harm other users.
• We detect fraudulent or illegal activity linked to your account.

Terminated users are prohibited from re-registering without our permission.

13. Governing Law and Dispute Resolution

These Terms shall be governed by and interpreted under the laws of England and Wales.

In case of a dispute:

1. Informal Resolution: Contact us first at info@marketmosaic.co.uk to seek resolution.
2. Mediation/Arbitration: If unresolved, both parties may agree to mediation or arbitration.
3. Legal Action: If necessary, legal proceedings shall be conducted in the courts of England and Wales.

14. Changes to These Terms

We may update these Terms of Use periodically. If significant changes occur, we will notify users via email or by updating the “Last Updated” date.

Continued use of our services after updates means you accept the revised terms.

15. Contact Information

If you have any questions regarding these Terms, please contact us at:

📍 Markets Mosaic Ltd
🏢 Address: 2 Frederick Street, London, WC1X 0ND
📧 Email: info@marketmosaic.co.uk
🌐 Website: https://marketmosaic.co.uk/