Terms of Use
These terms govern your access to and use of the Ellington Savings website. By using the site, you agree to be bound by these terms.
Acceptance of terms
By using this website, you accept these terms.
By accessing or using the Ellington Savings website (the "Website"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree to these terms, you must not access or use the Website.
These terms apply to all visitors, users, and others who access the Website. We may update these terms at any time. Changes take effect immediately upon posting. Your continued use of the Website after any changes constitutes acceptance of the revised terms. You are encouraged to review this page periodically. The date of the most recent update is shown at the foot of these terms.
Description of the service
What this website provides and what it does not provide.
The Website is an educational resource about savings accounts, deposit protection schemes, interest rates, and related personal finance topics. Content is provided for general informational purposes only.
The Website does not offer, solicit, or arrange any financial product or service. It does not provide: (i) savings accounts, bank accounts, or deposit-taking services; (ii) investment, financial, legal, or tax advice; (iii) recommendations or endorsements of any specific financial institution, savings account, or product; (iv) any service that would require authorisation or regulation by a financial conduct authority. The Website is not a bank, building society, credit union, or any other deposit-taking institution.
No client, fiduciary, or professional relationship is created between you and Ellington by your use of the Website.
Accuracy of information
Our commitment to accuracy and its limitations.
We make reasonable efforts to ensure that all information presented on the Website is accurate, balanced, and up to date. However, savings account terms, interest rates, deposit protection limits, and regulatory frameworks change over time and vary between providers and jurisdictions. We cannot guarantee that all information is complete or current at the moment you read it.
Interest rates, deposit protection limits, and other figures shown on the Website are illustrative examples. They do not reflect current rates offered by any specific institution. You should independently verify any information before acting on it.
We disclaim all warranties, express or implied, including but not limited to warranties of accuracy, completeness, merchantability, and fitness for a particular purpose, to the fullest extent permitted by applicable law.
Intellectual property rights
Ownership of the content on this website.
All content on the Website, including text, graphics, illustrations, design, layout, code, and the Ellington brand name and logo, is the property of ELLINGTON TRADE LTD or its licensors and is protected by applicable copyright, trademark, and other intellectual property laws. The Ellington name, logo, and related branding are proprietary marks. All other trademarks, service marks, and trade names appearing on the Website are the property of their respective owners.
Permitted uses
You may view the Website and print individual pages for your personal, non-commercial reference only. You may cite short excerpts of the content for educational or commentary purposes, provided you give clear attribution to Ellington Savings and include a link to the original page on the Website where reasonably practicable. Any other use, including but not limited to reproduction, redistribution, modification, republication, transmission, display, or creation of derivative works, requires our prior written consent.
Prohibited uses
Without limiting the generality of the foregoing, you may not: (i) reproduce, duplicate, copy, sell, resell, or exploit any portion of the Website or content for commercial purposes; (ii) use the Ellington name, logo, or branding in any manner that implies endorsement, sponsorship, or affiliation without our prior written consent; (iii) frame or mirror the Website on any other platform or service; (iv) use any automated means to access, collect, or index content; (v) remove, alter, or obscure any copyright, trademark, or other proprietary notices displayed on the Website.
Copyright complaints
We respect the intellectual property rights of others. If you believe that any content on the Website infringes your copyright, please notify our designated Copyright Agent at support@ellingtonltd.com with a detailed description of the allegedly infringing material and its location on the Website. We will investigate and take appropriate action in accordance with applicable law.
Disclaimers and risk warnings
Important limitations on our liability and the nature of the information we provide.
No financial advice
The content on the Website is provided for general informational and educational purposes only and does not constitute financial, investment, legal, tax, or accounting advice. We are not registered as an investment adviser, broker-dealer, deposit-taking institution, or financial adviser with the Financial Conduct Authority (FCA), the St. Vincent and the Grenadines Financial Services Authority (SVGFSA), or any other regulatory body in any capacity that would permit us to provide personalised financial advice. Information presented on the Website may not be suitable for your individual circumstances and should not be relied upon as the sole basis for any financial decision.
No deposit-taking
We do not accept deposits, hold client money, or provide savings or banking services. Any reference to savings accounts, interest rates, or deposit protection on the Website refers to products and services offered by third-party authorised institutions, not by Ellington.
Risk warning — inflation
Saving money in an interest-bearing account does not guarantee that its purchasing power will be maintained over time. If the interest rate on an account is lower than the rate of inflation, the real value of savings will decline. This risk applies to all savings accounts, regardless of deposit protection status.
Risk warning — provider failure
While deposit protection schemes compensate eligible savers when an authorised institution fails, protection is not unlimited, is subject to eligibility criteria, and applies only to institutions that are genuinely authorised and covered by the scheme. There is no guarantee that compensation will be paid within a particular timeframe. Savings held with unauthorised entities may not be protected at all.
Limitation of liability
To the fullest extent permitted by applicable law, Ellington and its affiliates, officers, employees, and agents shall not be liable for any loss, damage, claim, or expense arising from or related to: (i) your use of or reliance on the Website or its content; (ii) any interruption, error, or unavailability of the Website; (iii) any loss of data, revenue, or profits; (iv) any indirect, consequential, or incidental damages, whether arising in contract, tort, or otherwise. This limitation applies even if we have been advised of the possibility of such damages.
Indemnification
You agree to indemnify and hold harmless Ellington and its affiliates, officers, employees, and agents from any claims, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of your breach of these Terms of Use or your misuse of the Website.
General provisions
Other important terms governing your use of the Website.
Governing law
These Terms of Use are governed by and construed in accordance with the laws of St. Vincent and the Grenadines, without regard to its conflict of law principles. Any disputes arising under or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of St. Vincent and the Grenadines.
Severability
If any provision of these Terms of Use is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be deemed modified to the minimum extent necessary to make it valid and enforceable.
Entire agreement
These Terms of Use constitute the entire agreement between you and Ellington regarding your use of the Website and supersede any prior agreements or understandings, whether written or oral.
Contact
If you have any questions about these Terms of Use, please contact us at support@ellingtonltd.com or write to 275 Slater St. #900, Ottawa, Ontario K1P 5H9, Canada.