Terms of Service

Last Updated: 01/01/2025

Welcome to Blue Bay Consolidated, a fiduciary services provider committed to financial integrity, compliance, and client trust. By accessing or using our services, you agree to these Terms of Service ("Terms"). If you do not agree, please refrain from using our website or services.

1. Definitions

  • "Company", "we", "us", or "our" refers to Blue Bay Consolidated, registered under Company Number: 05629943, located at Unit 51, Portmanmoor Road Industrial Estates, Ocean Park, Cardiff, C124511B, United Kingdom.

  • "Client", "you", or "your" refers to any user accessing our services.

  • "Services" refers to fiduciary investment advisory, estate and trust management, wealth planning, legal fiduciary services, and financial auditing.

2. Eligibility

  • You must be at least 18 years old and legally capable of entering into a contract under the laws of your jurisdiction.

  • You agree to provide accurate and complete information when engaging with our services.

3. Scope of Services

  • We provide fiduciary investment advice, corporate and personal wealth management, trust administration, and international financial auditing.

  • Services are non-transferable and for personal or corporate use only.

  • We do not provide legal or tax advice unless explicitly agreed upon.

4. Client Responsibilities

  • Provide complete, accurate, and updated financial information.

  • Comply with all applicable EU financial regulations.

  • Maintain the confidentiality of account login credentials.

  • Inform us of any fraudulent activities related to your account.

5. Fees & Payment

  • Fees for services are outlined in your service agreement.

  • Payments must be made via bank transfer, credit/debit card, or other approved payment methods.

  • Failure to pay may result in service suspension or termination.

6. Compliance with EU Regulations

  • We comply with General Data Protection Regulation (GDPR), ensuring secure handling of personal data.

  • We adhere to Anti-Money Laundering (AML) and Know Your Customer (KYC) laws.

  • Clients engaging in fraudulent or non-compliant activities will have their accounts terminated.

7. Confidentiality & Data Protection

  • We implement strict data protection measures.

  • Your information will not be shared without your consent, except as required by law.

  • Refer to our Privacy Policy for more details on data processing.

8. Intellectual Property

  • All website content, including trademarks, logos, and text, belongs to Blue Bay Consolidated.

  • Unauthorized use of our intellectual property is prohibited.

9. Limitation of Liability

  • We are not liable for investment losses, third-party actions, or force majeure events.

  • Fiduciary services are provided on an "as is" basis, without guarantees of returns.

10. Termination of Services

  • Either party may terminate services with 30 days' written notice.

  • Immediate termination may occur due to breach of these Terms, non-payment, or illegal activities.

11. Governing Law & Dispute Resolution

  • These Terms are governed by the laws of the United Kingdom and the European Union.

  • Disputes shall first be resolved through negotiation, failing which they shall be settled by arbitration in the UK.

12. Amendments

  • We may update these Terms from time to time. The latest version will be available on our website.

13. Contact Information

For questions or concerns about these Terms, contact us at:

By using our services, you confirm that you have read, understood, and agreed to these Terms.