TERMS OF SERVICE
TERMS OF SERVICE OF "MORNING CHRONICLE"
Provider and contracting party
These Terms of Service govern the provision and use of the services of "MORNING CHRONICLE", also referred to as "TMC", where they have been properly incorporated into the relevant agreement. The service provider and the user’s contracting party is:
SCANDIC TRUST GROUP LLC
IQ Business Centre
Bolsunovska Street 13–15
01014 Kyiv / Ukraine
Email: [email protected]
Legal form: limited liability company incorporated under Ukrainian law, LLC.
Ukrainian registration entry: 1010351020000018952.
This address serves as the company’s operational and correspondence address. SCANDIC TRUST GROUP LLC is referred to below as the “provider”, “we” or “us”. "MORNING CHRONICLE" is the publication’s title and does not constitute a separate legal entity. The registration particulars identify the Ukrainian company; they are not a United Kingdom company registration.
Registered office and registered address
SCANDIC TRUST GROUP LLC
Oksamytova Street 1-b, Office 30
Sofiivska Borshchahivka
Kyiv Region - 08147 / Ukraine
Technical operation and administration
SCANDIC ASSETS FZCO
Dubai Silicon Oasis DDP
Building A1/A2
Dubai - 342001 / United Arab Emirates
Telephone: +971 54 221 5217.
SCANDIC ASSETS FZCO provides technical operation and administration within the scope of its appointment. The provision of technical services does not, by itself, make that company the user’s contracting party. Responsibility for the provider’s contractual commitments remains with SCANDIC TRUST GROUP LLC. Each company’s responsibilities depend on its actual activities, obligations undertaken and applicable law.
1. General provisions
1.1 Scope and formation of the contract
These Terms apply to the websites of "MORNING CHRONICLE" and to related applications, feeds, interfaces, software, downloads and other services where actually offered and expressly referring to these Terms. They are collectively referred to as the “services”. A user is a person using the services. For the purposes of the Consumer Rights Act 2015, a consumer is an individual acting for purposes wholly or mainly outside their trade, business, craft or profession. The application of other statutory protections depends on the definitions and conditions of the relevant legislation. Before entering into a contract, the user must have a reasonable opportunity to read and retain these Terms and any applicable service-specific conditions. A contract is formed through offer and acceptance in the manner explained for the particular service. Merely visiting a publicly accessible page does not create a payment obligation or establish acceptance of every contractual provision. Individually agreed terms take precedence, subject to mandatory law. Obligations imposed by law apply independently of whether a contract has been formed.
1.2 Changes to these Terms
The provider may propose changes in response to developments in legislation, relevant case law or changes to the services. Where a proposed change affects an existing agreement, the user will receive clear advance information about its substance, reason and proposed effective date in a form that can be retained, such as email. A contractual amendment requires the user’s agreement unless it follows directly from mandatory law or falls within a valid, sufficiently specific contractual provision, including the limited service adjustments described in section 1.4. Publication of a revised text, silence or continued use alone will not be treated under these Terms as acceptance of a contractual amendment. This provision does not authorise unrestricted price increases, new payment obligations or the removal of rights already acquired.
1.3 Rejection of proposed changes
If the user does not accept a proposed contractual change, the existing agreement continues on its previously agreed terms, except to the extent that mandatory law requires otherwise. The user may stop using the services and request account closure or subscription termination in accordance with section 10.1. Rejection of a proposed change does not, by itself, give rise to a penalty or additional charge. Any right of either party to end the agreement must have a lawful basis and comply with the applicable contractual and statutory requirements. The provider may not use termination to avoid accrued obligations, refund rights or the rules governing unfair terms.
1.4 Changes to digital content and services
The provider may make proportionate adjustments necessary to address security risks, comply with legal requirements or maintain compatibility with systems and interfaces used to deliver the agreed service. Such adjustments must not be used to impose undisclosed charges or remove material features promised to the user. Material changes will be explained in advance wherever reasonably practicable; urgent security measures may require immediate action. Where the Consumer Rights Act 2015 applies, modified digital content remains subject to the relevant requirements concerning quality, fitness for purpose and description, including section 40. Under these Terms, if a provider-initiated change materially reduces the agreed benefit of a paid service, the user may terminate the affected agreement without an early termination charge and receive a refund for the prepaid portion no longer supplied. Further statutory remedies remain available. Changes to free services must also respect existing commitments and applicable law.
2. Service content and copyright
2.1 Protected content
Articles, photographs, video, audio recordings, illustrations, graphics, databases, software and other materials made available through the services are referred to as “content”. Unless a different licence or permission applies, content is made available for personal, non-commercial use. Copyright, related rights and database rights belong to the provider or the relevant rights holders to the extent that legal protection exists. These Terms do not create exclusive rights in bare facts, events or ideas. Access to a service or payment for a subscription does not transfer ownership of its content.
2.2 Conditions governing further use
Protected content must not be copied, adapted, translated, distributed, republished or otherwise used in a manner reserved to a rights holder without the necessary permission or a lawful exception. Statutory permitted uses under the Copyright, Designs and Patents Act 1988 remain available subject to their conditions, including qualifying fair dealing for criticism, review, quotation and reporting current events. Required acknowledgements must be provided, and quotations must not exceed the extent justified by their purpose. The current-events reporting exception does not extend to photographs. Attribution alone does not authorise otherwise infringing copying. Automated copying and text or data analysis must likewise comply with applicable rights; these Terms do not exclude qualifying non-commercial research permitted by section 29A or another exception that cannot lawfully be restricted.
2.3 Downloads, copies and links
Downloading or retaining copies for personal, non-commercial use is permitted to the extent authorised by the service’s functionality, an applicable licence or the law. Copyright notices, credits and other rights information must be preserved where required. No general statutory entitlement to make unrestricted private copies is asserted. Sharing a link to a publicly accessible article is permitted, provided the presentation does not misleadingly suggest endorsement, disclose another person’s credentials or facilitate unlawful access. Uses exceeding the permission granted require the appropriate authorisation unless the law permits them independently.
2.4 Third-party content
Some content may originate from news agencies, photographers, independent contributors or other suppliers. Applicable licensing restrictions must be respected where they bind the user and have been properly disclosed. The use of third-party material does not automatically exclude the provider’s responsibility for its own selection, editing, republication or contractual commitments. Each person’s responsibility is determined by their conduct and the applicable law. Section 5 also applies to the provider’s liability.
3. User content, comments and reviews
3.1 Rules for submitting user content
This section applies only where a service allows users to submit content. Users must not submit unlawful material, threats, harassment, defamatory allegations, unlawful discriminatory or hateful content, incitement to violence, material infringing intellectual property or privacy rights, or personal information disclosed unlawfully. Impersonation, fraudulent representations, malicious software, unsolicited bulk messages and repeated posts materially disrupting a discussion are prohibited. Participation areas may also exclude pornography and abusive personal attacks under their clearly stated rules. Lawful criticism or disagreement alone is not a breach of these Terms. Measures addressing a breach must comply with sections 3.4, 6.3 and 10.2.
3.2 Advertising within user content
User-contribution areas are primarily intended for discussion and other non-commercial participation. Advertisements, fundraising solicitations and offers to sell goods or services require prior permission where the relevant area is not intended for such activity. Genuine references to products, services or businesses may be made where relevant to the discussion and not presented as concealed advertising. Material commercial relationships, sponsorship or incentives must be disclosed clearly. Permission to post does not replace applicable advertising, consumer protection or financial promotion requirements.
3.3 Rights in user content
Users retain their rights in the content they submit. Submission grants the provider a non-exclusive, royalty-free licence limited to storing, technically reproducing, formatting and making the contribution available within the service to which it was submitted. The licence is worldwide because the service is accessible through the internet and continues for the period of authorised publication. Technical changes must not misleadingly alter the contribution’s meaning. Technical suppliers may handle the contribution only to the extent necessary to provide those functions on the provider’s behalf. The licence does not confer a general right to sell the contribution, use it in unrelated advertising or exploit it through unrestricted future uses. Applicable moral rights and other rights that cannot validly be waived remain unaffected.
3.4 Restrictions on content and challenges to decisions
Where there are reasonable grounds to believe that a contribution breaches the law or the applicable participation rules, the provider may restrict its visibility, disable access or remove it. The response must be proportionate to the nature, seriousness and repetition of the breach. Where appropriate and legally permissible, the affected user will receive an explanation and an opportunity to challenge the decision through the contact details in section 11.4. Urgent action may be taken to protect people, systems, evidence or legal rights without advance notice. Any applicable statutory requirements concerning notices, complaints and remedies must be observed. Editorial material published by the provider is not treated as third-party hosting merely because it appears online.
3.5 Removal and further retention
Users may request removal of their own contributions. Once removed, the licence under section 3.3 to display the contribution publicly ends. Further retention is permitted only to the extent necessary and lawful, including compliance with legal obligations, the establishment or defence of legal claims and temporary backup retention under appropriate deletion arrangements. Retention does not, by itself, authorise republication. Requests concerning copies of submitted material and the correction or erasure of personal data will be considered under the applicable legal requirements. Account closure does not automatically require the destruction of information that must lawfully be retained.
3.6 Reviews and conflicts of interest
Reviews must reflect genuine experiences or opinions. A person involved in producing, selling, distributing or promoting the subject of a review must not present their contribution as an independent consumer assessment without disclosing the relevant relationship. The same principle applies to reviews of competitors where a material conflict exists. Fabricated reviews, concealed incentives and manipulation of ratings are prohibited. Where consumer reviews are published, the provider must take the reasonable and proportionate steps required by the Digital Markets, Competition and Consumers Act 2024 to prevent and remove prohibited reviews and misleading review information.
4. Use of the services
4.1 Technical requirements and protection of systems
Use of the services requires a suitable device, internet connection and compatible software. Features relying on email require access to the relevant email account. Any material requirements concerning functionality, compatibility, interoperability, technical protection measures or additional equipment must be disclosed before the user enters into the affected paid agreement. Unauthorised access to accounts, distribution of malicious code, interference with security, deliberate overloading and circumvention of access controls without permission or a lawful entitlement are prohibited. Properly authorised security testing and conduct permitted by mandatory law are not prohibited by this provision.
4.2 Advertising and third-party links
The services may contain advertisements, sponsored features, affiliate promotions and links to external websites. Their commercial nature must be identifiable where required. A purchase from another supplier is governed by the agreement with that supplier unless the provider is itself the seller or has undertaken an additional obligation. A link does not, by itself, amount to a guarantee of every statement or service on the destination website. The provider remains responsible for its own conduct, commercial offers, representations and breaches of applicable duties. Concerns about an advertisement or external link may be reported through section 11.4.
5. Obligations, service quality and liability
5.1 User responsibility
Users must hold the necessary rights or have another lawful basis for content they submit or use. Responsibility for a breach is assessed under applicable law, taking account of the conduct concerned, causation, loss and other relevant requirements. These Terms do not impose an unrestricted obligation on the user to indemnify the provider, its employees, suppliers or partners against every third-party claim. A claim for compensation or recovery of costs must have a valid legal basis and must not require payment for consequences for which the user is not legally responsible.
5.2 Performance and remedies for defective supply
The provider must supply the agreed content and services in accordance with the contract and applicable law. Where Chapter 3 of Part 1 of the Consumer Rights Act 2015 applies, digital content must meet the relevant requirements concerning satisfactory quality, fitness for a particular purpose and description. The statutory remedies include repair or replacement, subject to the conditions governing those remedies, and an appropriate price reduction where the statutory grounds are met; the reduction may extend to the full price. Lack of the necessary right to supply may give rise to a refund under section 45. Where Chapter 4 applies to a service, it must be performed with reasonable care and skill, and relevant information about the provider or service may form part of the contract under section 50. Remedies may include repeat performance at no additional cost, within a reasonable time and without significant inconvenience, or an appropriate price reduction. Other available remedies remain unaffected. Maintenance, interruptions or a supplier’s failure do not automatically remove these rights. Archived reporting must be understood in its original time context; retaining it is not a promise to update every historical statement continuously.
5.3 Compensation and liability that cannot be excluded
The provider’s liability is governed by applicable law. These Terms do not exclude liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or any liability that cannot lawfully be excluded or restricted. Mandatory consumer rights, including the protections in sections 47, 57, 62 and 65 of the Consumer Rights Act 2015, remain unaffected. Where section 46 applies, damage caused by supplied digital content to a consumer’s device or other digital content must be remedied or compensated if the statutory conditions are met; that provision may apply even where the supplied content was free. Any limitation falling within the Unfair Contract Terms Act 1977 must satisfy its requirements. General journalism and information do not constitute personalised professional advice unless expressly agreed otherwise. This description does not remove responsibility for unlawful publication or a breach of an obligation actually undertaken.
5.4 Complaints and requests for remedies
A complaint may be submitted by email to [email protected] or by post to the provider’s correspondence address. Please identify the service, describe the problem, state the remedy requested and provide the information reasonably necessary for a response. The provider will acknowledge and assess the complaint within a reasonable time, taking account of its urgency and complexity, and explain the outcome. Applicable refund deadlines are not extended by complaint handling. Refunds under sections 44 or 56 of the Consumer Rights Act 2015 must be made without undue delay and within 14 days beginning with the day on which the provider agrees that the consumer is entitled to the refund, using the original payment method unless the consumer expressly agrees otherwise and without a refund fee. Assessment must not be used to evade a lawful refund obligation. The distinct cancellation-refund rules in section 7.2 remain applicable.
6. User accounts
6.1 Registration and account information
Where registration is available or required, users must provide accurate and current information limited to what is reasonably necessary for the relevant service. Mandatory information and the reason for requesting it must be explained. Registration does not, by itself, constitute agreement to a paid subscription, marketing, behavioural tracking or public disclosure of a real name. Any identity verification must have a specific justification and comply with data-minimisation requirements. A request for an identity document must not be imposed automatically where less intrusive verification is sufficient.
6.2 Protection of login credentials
Users must take reasonable steps to protect their login credentials and notify the provider where they reasonably suspect unauthorised access or misuse. The provider must take appropriate steps to protect the account and assist with restoration of legitimate access. Responsibility for activity through an account depends on the actual circumstances and applicable law. The fact that another person used valid credentials does not automatically make the account holder liable for every resulting transaction or loss. Rights concerning unauthorised payments remain unaffected.
6.3 Temporary restrictions on accounts
Access may be temporarily restricted where specific circumstances indicate misuse, a serious breach of these Terms or a security risk. Restrictions must be proportionate and last no longer than reasonably necessary to address the relevant issue. Where appropriate and legally permissible, the user will receive reasons and an opportunity to challenge or remedy the matter. Restrictions must not be used to frustrate a legitimate complaint, cancellation or refund request. Suspension does not automatically forfeit prepaid amounts or other accrued rights.
6.4 Users under 18
Publicly available news is not subject under these Terms to a general minimum reading age of 13. The ability of a person under 18 to enter into a binding agreement is determined by the applicable rules on contractual capacity and the nature of the transaction. Where a service requires an adult contracting party, an adult must enter into the agreement on the basis clearly stated for that service; a parent or guardian does not become liable merely because of that relationship. Consent to personal-data processing is a separate question. Under Article 8 of the United Kingdom General Data Protection Regulation, the relevant threshold for a child’s own consent to an information society service offered directly to them is 13, where that provision applies. Below that age, the required consent must be given or authorised by a holder of parental responsibility. This rule does not determine contractual capacity or remove other safeguards for children.
7. Paid services and consumer rights
7.1 Orders and payment obligations
A payment obligation arises only under a valid agreement for an actually offered paid service. Before ordering, the consumer must receive clear information about the supplier, the principal characteristics of the service, the total price including applicable taxes and unavoidable charges, the currency, payment method and frequency, performance arrangements, duration, renewal and cancellation conditions. Material technical requirements must also be disclosed. Users must be able to review the order and correct input errors before submitting it. Where regulation 14 of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 applies, the ordering process must expressly acknowledge the payment obligation; an order button must use “order with obligation to pay” or an equally unambiguous formulation. Failure to meet the relevant requirements means the consumer is not bound by the contract or order. Contract confirmation and the applicable terms must be provided on a durable medium. Preselected options do not establish consent to additional payments, and a free service cannot become chargeable merely through publication of revised terms.
7.2 Statutory cancellation rights
Where the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 apply, a consumer normally has a right to cancel a distance contract for services or digital content supplied without a tangible medium without giving a reason. That right is distinct from ending a subscription at the end of its agreed term and from remedies for defective supply. The following rules apply according to the particular contract:
- Cancellation period: for a service contract or digital content supplied without a tangible medium, the ordinary cancellation period ends 14 days after the day on which the contract is made. If the required cancellation information has not been supplied, regulation 31 may extend the period by up to 12 months; where the information is supplied within the period specified by that regulation, the consumer has the corresponding 14-day period after receiving it.
- Early supply of digital content: supply during the cancellation period requires the consumer’s prior express consent and acknowledgement that the cancellation right will be lost when supply begins. The provider must also supply the required confirmation of that consent and acknowledgement on a durable medium. We will not rely on a waiver without completing those requirements. Where regulation 37(4) applies, the consumer bears no cost for digital content supplied during the cancellation period.
- Early performance of a service: performance during the cancellation period requires the consumer’s express request. If the consumer subsequently cancels, a proportionate amount for service already supplied may be payable only where the statutory conditions, including the relevant information requirements, have been satisfied. The cancellation right is lost through full performance only where the required request and acknowledgement were obtained. Merely beginning a continuing service does not amount to completing it.
- Newspapers and periodicals: regulation 28(1)(f) excludes the supply of individual newspapers, periodicals and magazines from the cancellation regime, but expressly excepts subscription contracts from that exclusion. The classification and conditions of the actual purchase must be considered; every digital publication or subscription is not treated as automatically excluded.
- Refunds: for cancellation of a service contract or digital content supplied without a tangible medium, amounts due must be refunded without undue delay and no later than 14 days after the provider is informed of the cancellation. The original payment method will be used unless the consumer expressly agrees otherwise, and no refund fee will be charged. Any deduction must have a specific lawful basis; store credit will not be imposed instead of a monetary refund.
Acceptance of these Terms alone does not replace a separate express request, consent or acknowledgement where the law requires one. Cancellation rights do not remove the consumer’s independent rights concerning faulty content, defective services, misleading practices or unfair terms.
7.3 How to cancel
A cancellation notice may be sent by email to [email protected] or by post to the provider’s correspondence address. Any other legally permitted method or cancellation facility made available for the service may also be used. An unequivocal statement identifying the relevant contract and the decision to cancel is sufficient; the form below is optional. To meet the statutory deadline, it is sufficient to send the communication before the cancellation period expires. Where an online cancellation form is provided and used, receipt will be acknowledged without delay on a durable medium. The validity of a cancellation does not depend on discretionary approval by the provider or its prior confirmation. An unnecessary identity-document requirement or demand to telephone a different department will not be imposed.
Model cancellation form
Complete and return this form only if you wish to cancel the contract.
To: SCANDIC TRUST GROUP LLC
IQ Business Centre
Bolsunovska Street 13–15
01014 Kyiv / Ukraine
Email: [email protected]
I/We hereby give notice that I/We cancel my/our contract for the supply of the following goods, service or digital content:
Description of the goods, service or digital content:
Ordered on / received on:
Order or subscription reference, if available:
Name of consumer(s):
Address of consumer(s):
Signature of consumer(s), only if this form is submitted on paper:
Date:
Delete whichever alternatives do not apply.
7.4 Subscriptions, trial periods and services without a monetary charge
The duration of a subscription, billing intervals, charges, any minimum commitment, renewal arrangements and the method of stopping renewal must be clearly disclosed and agreed before the order is placed. A billing interval is not necessarily the same as the contractual term. A free or discounted trial may become a paid subscription only where the subsequent payment obligation, price and relevant date were clearly disclosed and expressly accepted in advance. Account registration alone does not create a subscription. Under these Terms, the provider will give a reminder in sufficient time before a trial becomes chargeable or an agreed fixed term automatically renews to allow a reasonable opportunity to stop that renewal. Renewal charges and price changes must have a valid contractual basis and comply with section 1.2 and applicable consumer law. The dedicated subscription-contract regime in Chapter 2 of Part 4 of the Digital Markets, Competition and Consumers Act 2024 has not yet commenced at the date of these Terms; its future commencement does not reduce the rights already provided by applicable law or this agreement. Providing personal data does not itself authorise payment or constitute blanket consent to processing. The digital-content provisions of the Consumer Rights Act 2015 apply within section 33, including qualifying paid bundles; they are not automatically extended to every free service merely because personal data is provided. Other applicable contractual, privacy and consumer protections remain unaffected.
8. Communications with users
8.1 Newsletters and marketing communications
Electronic marketing to individual subscribers must comply with the Privacy and Electronic Communications (EC Directive) Regulations 2003 and applicable data protection law. It requires valid consent or satisfaction of a relevant statutory exception, such as the limited existing-customer exception for the provider’s own similar products or services. Where that exception is relied upon, its conditions must be met, including an appropriate opportunity to object when details are collected and in subsequent messages. The sender must be identifiable and a simple means of stopping further marketing must be provided. Consent may be withdrawn through the facility in the message or by contacting the provider. Accepting these Terms or creating an account does not amount to general consent to marketing by the provider or third parties.
8.2 Operational and contractual notices
The provider may send communications genuinely necessary for performance of an agreement, account security, payment administration, complaint handling, lawful changes or compliance with a legal obligation. Such messages must remain limited to their purpose and must not be used to circumvent a marketing objection. Opting out of advertising does not prevent essential service communications. The provider must have an appropriate legal basis for any personal-data processing involved.
8.3 Statistics and similar information
Analysis of service use must comply with applicable law and the relevant privacy information. Processing personal data for statistical purposes requires an appropriate legal basis, transparency and the other applicable safeguards. Pseudonymisation or aggregation alone does not necessarily make information anonymous. Storing information on, or accessing information from, a user’s device requires consent unless a statutory exception applies. Any exception for qualifying statistical purposes is limited by its conditions and does not provide general permission for advertising tracking, profiling or monitoring across unrelated services. Where required, users must receive clear information and a simple means of objecting.
8.4 Surveys and voluntary participation
Participation in surveys, polls and comparable voluntary activities is optional. The purpose, any incentive and the intended use of information must be explained before participation. Where personal data is collected, the required privacy information must be provided and an appropriate legal basis must exist. Refusing an optional survey does not, by itself, remove rights under an existing agreement. Any consent relied upon remains capable of withdrawal in accordance with applicable law.
9. Software
9.1 Licence and statutory rights of lawful users
Where an application or other software is supplied as part of a service, the user receives the licence described for that software and the agreed purpose. Material restrictions concerning devices, functionality, duration and permitted use must be disclosed before the relevant agreement is made. Restrictions on copying, modification, distribution or reverse engineering apply only to the extent permitted by law. They do not override statutory rights of lawful users, including qualifying backup copying, decompilation for interoperability and observation, study or testing under sections 50A, 50B and 50BA of the Copyright, Designs and Patents Act 1988. The conditions of each provision must be satisfied. Open-source components remain subject to their applicable licences. Contractual commitments and statutory rights concerning software quality, security and agreed updates remain unaffected.
10. Ending the contractual relationship
10.1 Termination by the user
A user may request closure of a free account at any time by emailing [email protected]. A rolling subscription may be ended at the end of the current agreed subscription period by giving notice before renewal; a clearly agreed fixed-term subscription may be stopped from renewing at the end of that term. Earlier cancellation, termination and refund rights arising under the law, these Terms or the particular agreement remain available. Any early termination charge must have been clearly agreed, must be fair and lawful and must not amount to an unenforceable penalty; all remaining instalments do not become payable automatically merely because termination is requested. Email cancellation is available under these Terms, and the provider will confirm the effective date without making confirmation a condition of validity. Account closure, subscription termination and erasure of personal data are distinct matters, but the provider will help clarify an ambiguous request. Closing an account does not waive a refund or other remedy. Cancelling a payment instruction alone does not necessarily terminate the underlying agreement, while a valid contractual cancellation must be reflected in subsequent billing.
10.2 Termination by the provider
The provider may terminate an agreement on a lawful or validly agreed ground, including a material breach by the user. The response must be proportionate to the nature and seriousness of the breach. Where the problem can reasonably be remedied and immediate action is unnecessary, the provider will explain it and allow a reasonable opportunity to put it right. Urgent security restrictions under section 6.3 do not automatically justify permanent termination. A paid fixed-term service will not be ended merely at the provider’s unrestricted discretion. Where lawful discontinuance prevents the provider from supplying a prepaid service, the unused portion must be refunded without limiting further remedies. Termination must not be used to avoid obligations relating to changes, complaints or refunds. Only provisions that properly need to continue after termination, such as accrued payment obligations, lawful retention duties and the resolution of existing claims, will continue to apply.
11. Further provisions
11.1 Governing law and jurisdiction
Agreements into which these Terms have been validly incorporated are governed by the law of England and Wales. This choice does not deprive a consumer of mandatory protection available under another applicable law through the relevant conflict-of-laws rules, including any protection applicable by reason of habitual residence. The courts having jurisdiction are determined under the applicable rules. These Terms do not impose an exclusive foreign forum, require consumers to litigate in Berlin, Kyiv or Dubai, or remove any entitlement to bring proceedings in a court available to them under mandatory law. No compulsory arbitration requirement is imposed. Scotland and Northern Ireland have distinct legal systems, and applicable protections are not displaced merely by referring to English law.
11.2 Personal data and privacy
Personal-data processing is governed by the United Kingdom General Data Protection Regulation, the Data Protection Act 2018, applicable amendments under the Data (Use and Access) Act 2025 and other relevant legislation within their respective scope. The relevant privacy information must explain the controller, purposes, legal bases, recipients, retention, international transfers and individual rights. Acceptance of these Terms is not blanket consent to processing, advertising or non-essential device access. Restricted transfers must satisfy the applicable international-transfer requirements. The journalistic exemption in paragraph 26 of Schedule 2 to the Data Protection Act 2018 is conditional and does not automatically cover subscriptions, account administration, advertising or analytics. Data protection requests and complaints may be sent to the provider. Where section 164A applies, complaints must be acknowledged within 30 days and addressed without undue delay; this does not replace the separate deadlines for individual rights requests.
11.3 Delivery and legal notices
Contractual notices, complaints, cancellation requests and other communications may be sent to the provider’s published email or correspondence address, subject to any additional methods required by law or offered for the service. Special legal requirements concerning form, timing or service of proceedings remain applicable. Sending an email does not automatically establish that it has been read, and these Terms do not deem a notice received irrespective of the actual circumstances. Users are not required to waive legal representation or treat contact with the provider as a universal precondition to approaching a court or competent authority. Applicable procedural requirements remain unaffected.
11.4 Contact point, unlawful-content notices and complaints
Questions, complaints, correction requests, notifications of unlawful content and challenges to restrictions on an account or contribution may be sent to [email protected]. A notification should identify the precise page or decision, explain the concern, state the action requested and provide the information reasonably necessary for a response. Where reliance is placed on a formal statutory notice procedure, including a notice relevant to section 5 of the Defamation Act 2013 and the Defamation (Operators of Websites) Regulations 2013, the applicable requirements must be met. An ordinary correction request need not be presented as a formal legal notice. The application of the Online Safety Act 2023 depends on the service’s actual functions, territorial connection and any relevant exemption. These Terms do not assert automatic recognised-news-publisher status or treat every service as regulated by Ofcom.
Provider and correspondence address
SCANDIC TRUST GROUP LLC
IQ Business Centre
Bolsunovska Street 13–15
01014 Kyiv / Ukraine
Email: [email protected]
Technical operation and administration
SCANDIC ASSETS FZCO
Dubai Silicon Oasis DDP
Building A1/A2
Dubai - 342001 / United Arab Emirates
Telephone: +971 54 221 5217.
11.5 Alternative resolution of consumer disputes
Consumers may contact the provider to seek resolution of a contractual dispute. Where section 308 of the Digital Markets, Competition and Consumers Act 2024 applies, the provider must, when communicating the outcome of its consideration of a complaint, inform the consumer about qualifying alternative dispute resolution or other arrangements available because the provider is required to participate by legislation or contract. Participation in another appropriate procedure may be agreed where available. These Terms do not claim membership of an unidentified ombudsman or arbitration scheme, and do not require the consumer to accept a binding private procedure as a condition of obtaining a remedy. Access to competent courts and applicable regulatory channels remains unaffected. Complaint handling does not suspend a limitation period unless the law or a valid agreement provides otherwise.
Relevant legislation and case law
The following legislation and decisions are relevant according to the nature of the particular agreement, their territorial scope and the provisions in force:
- The Consumer Rights Act 2015: requirements concerning digital content and services, remedies for defective supply, restrictions on excluding liability, fairness and transparency of consumer terms and notices, and interpretation of ambiguous terms in the consumer’s favour.
- The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013: pre-contract information, electronic ordering, contract confirmation, cancellation periods, early supply of services and digital content, refunds and consent to additional payments.
- The Electronic Commerce (EC Directive) Regulations 2002: applicable provider information, commercial communications, electronic contracting requirements and conditional protections for intermediary activities.
- Parker-Grennan v Camelot UK Lotteries Ltd [2024] EWCA Civ 185, judgment of 1 March 2024: incorporation of online terms depends on reasonable steps to bring them to the customer’s attention; a click-to-accept process is not universally sufficient, and incorporation is distinct from the assessment of unfairness.
- The Office of Fair Trading v Ashbourne Management Services Ltd and others [2011] EWHC 1237 (Ch), judgment of 27 May 2011: relevant principles concerning unfair minimum commitments, termination arrangements and demands for payment under consumer membership contracts. The decision concerned its particular agreements and does not establish a universal maximum term for every subscription.
- Cavendish Square Holding BV v Talal El Makdessi; ParkingEye Ltd v Beavis [2015] UKSC 67, judgment of 4 November 2015: the penalty rule, where applicable, requires consideration of legitimate interests and disproportionate detriment. Consumer fairness remains a separate requirement; the judgment does not validate every cancellation charge or demand for future instalments.
- The Digital Markets, Competition and Consumers Act 2024: applicable prohibitions on unfair commercial practices, including concealed paid promotion and prohibited consumer-review practices, together with the consumer dispute-resolution provisions in force. Prospective subscription provisions are not treated as already operative merely because they have been enacted.
- The Copyright, Designs and Patents Act 1988 and the Copyright and Rights in Databases Regulations 1997: protection of qualifying works and databases, permitted uses, software-related exceptions and qualifying text and data analysis for non-commercial research.
- The Unfair Contract Terms Act 1977: applicable restrictions and reasonableness requirements governing certain exclusions or limitations of liability.
- The United Kingdom General Data Protection Regulation, the Data Protection Act 2018 and the Data (Use and Access) Act 2025: applicable requirements concerning lawful processing, transparency, individual rights, children’s information, security, international transfers and complaints.
- The Privacy and Electronic Communications (EC Directive) Regulations 2003, as amended: electronic marketing and the storage of, or access to, information on users’ devices, including the conditions governing consent and statutory exceptions.
- The Defamation Act 2013, the Defamation (Operators of Websites) Regulations 2013 and the Online Safety Act 2023: applicable responsibilities concerning publication, user contributions, statutory notices and regulated online services. Their operation depends on the relevant statutory conditions.
- Applicable rules of contract law, private international law and procedure: formation and interpretation of agreements, remedies for breach, governing law, jurisdiction and mandatory protection in cross-border consumer relationships.
Final provisions
These Terms must be interpreted consistently with mandatory law and applicable consumer protection. Under section 62 of the Consumer Rights Act 2015, an unfair term or consumer notice is not binding on the consumer. Where section 69 applies and a term can have different meanings, the meaning most favourable to the consumer prevails. The effect of an invalid or unenforceable provision on the rest of an agreement is determined by law, including the continuation of the remainder so far as practicable under section 67 where applicable. An invalid provision is not automatically replaced by wording with the closest economic effect or the greatest benefit to the provider. Mandatory rights remain available even where they are not expressly listed. These Terms do not retrospectively amend an existing agreement merely because a new version is published.
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Last updated: 31 October 2026.