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Terms & Conditions

Terms and Conditions of Use for Blackpearadvisory.com

 

Last Updated: 2 August 2025

 

1. Agreement to Terms

 

By accessing and using www.blackpearadvisory.com (the "Site"), you accept and agree to be bound by these Terms and Conditions of Use ("Terms"). If you do not agree to these Terms, you must not use our Site.

 

2. Intellectual Property Rights

 

All content on this Site, including text, graphics, logos, images, and software, is the property of Black Pear Advisory Ltd or its content suppliers and is protected by UK and international copyright laws. You may not reproduce, modify, distribute, or republish any of the material on this Site without our prior written consent.

 

3. Acceptable Use

 

You agree not to use the Site:

  • In any way that breaches any applicable local, national, or international law or regulation.

  • For any unlawful or fraudulent purpose.

  • To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, or other harmful programs.

 

4. Disclaimer of Warranties and Limitation of Liability

 

The Site is provided on an "as is" and "as available" basis. We make no representations or warranties of any kind, express or implied, as to the operation of the Site or the information, content, or materials included on it.

To the fullest extent permissible by law, we will not be liable for any damages of any kind arising from the use of this Site, including, but not limited to, direct, indirect, incidental, punitive, and consequential damages. This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation, nor any other liability which cannot be excluded or limited under applicable law.

 

5. Links to Other Websites

 

Our Site may contain links to third-party websites that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites.

 

6. Governing Law and Jurisdiction

 

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

 

7. Changes to These Terms

 

We reserve the right to amend these Terms from time to time. Any such amendments will be effective immediately upon posting on the Site. Your continued use of the Site after any changes have been made will constitute your acceptance of the new Terms.

 

8. Contact Us

 

To contact us about these Terms, please email msperks@gmail.com.

Cookie Policy for www.Blackpearadvisory.com

 

Last Updated: 2 August 2025

1. Introduction

 

This Cookie Policy explains how blackpearadvisory.com ("I", "me", "my", "we", "us", and "our") uses cookies and similar technologies to recognise you when you visit our website at . It explains what these technologies are and why we use them, as well as your rights to control our use of them.

This policy should be read alongside our Privacy, which explains how we use personal data.

 

2. What are cookies?

 

Cookies are small data files placed on your computer or mobile device when you visit a website. They are widely used by website owners to make their websites work, or to work more efficiently, as well as to provide reporting information.

Cookies set by the website owner (in this case, blackpearadvosry.com) are called "first-party cookies". Cookies set by parties other than the website owner are called "third-party cookies". Third-party cookies enable third-party features or functionality to be provided on or through the website (e.g., advertising, interactive content, and analytics).

 

3. Why do we use cookies?

 

We use first-party and third-party cookies for several reasons. Some cookies are required for technical reasons for our website to operate, and we refer to these as "essential" or "strictly necessary" cookies. Other cookies enable us to track and target the interests of our users to enhance their experience. Third parties serve cookies through our website for advertising, analytics, and other purposes.

 

4. What types of cookies do we use?

 

The specific types of cookies we may use are listed below:

a) Strictly Necessary Cookies These cookies are essential to provide you with services available through our website and to use some of its features, such as access to secure areas. Because these cookies are strictly necessary to deliver the website to you, you cannot refuse them without impacting how our site functions.

b) Performance and Analytics Cookies These cookies collect information that is used either in aggregate form to help us understand how our website is being used or how effective our marketing campaigns are. This helps us to improve our website and your experience.

  • Example: Google Analytics cookies help us count visits and see which pages are most popular.

c) Functionality Cookies These cookies are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name, and remember your preferences (for example, your choice of language or region).

d) Targeting or Advertising Cookies These cookies record your visit to our website, the pages you have visited, and the links you have followed. We may use this information to make our website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.

 

5. Cookies We Use

 

Here is a list of the main cookies we use on our site.

Cookie NameProviderPurposeDuration

  • gaGoogle AnalyticsUsed to distinguish users for analytics.2 years

  • gidGoogle AnalyticsUsed to distinguish users for analytics.24 hours

    • [e.g., wordpress_logged_in][Your Website Name]Identifies that you are logged in.Session

    • [e.g., cookie_consent_status][Your Website Name]Stores your cookie consent preferences.1 year

    • [e.g., _fbp]Facebook/MetaUsed by Facebook to deliver ad products.3 months

​

 

6. How can you control cookies?

 

You have the right to decide whether to accept or reject cookies. You can exercise your cookie preferences in two ways:

  1. Our Cookie Consent Tool: When you first visit our site, you can set your preferences via the cookie banner. You can change your preferences at any time by clicking the [e.g., "Manage Consent" or "Cookie Settings"] link, which can be found in the footer of our website.

  2. Browser Controls: You can set or amend your web browser controls to accept or refuse cookies. If you choose to reject cookies, you may still use our website though your access to some functionality and areas may be restricted. As the means by which you can refuse cookies through your browser controls vary from browser to browser, you should visit your browser's help menu for more information.

 

7. Changes to this Cookie Policy

 

We may update this Cookie Policy from time to time in order to reflect, for example, changes to the cookies we use or for other operational, legal, or regulatory reasons. Please re-visit this Cookie Policy regularly to stay informed. The date at the top of this policy indicates when it was last updated.

 

8. How to contact us

 

If you have any questions about our use of cookies or other technologies, please email us at: msperks@gmail.com

Or write to us at: Black Pear Advisory Ltd. The Old Barn, Hatfield, Norton, Worcester. WR5 2PZ

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