Terms of Use

1. Agreement to Terms

By accessing and using this website (www.bdibglobal.com), you accept and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, you must not use this website.

This website is operated by Black Diamond Investment Bank Limited and associated entities within the Black Diamond Group. References to "we", "us", or "our" refer to Black Diamond Investment Bank Limited and its affiliates.

2. Professional Clients Only

This website and the services described are intended exclusively for professional clients, institutional investors, and corporate entities. We do not provide services to retail consumers or individuals seeking retail financial products.

By using this website, you confirm that:

• You are accessing this website in a professional or business capacity
• You are not a retail consumer seeking consumer financial services
• You understand that the products and services described require professional expertise and independent advice
• You will seek independent legal, financial, and tax advice before engaging in any transaction

3. No Financial Advice

The information on this website is for general informational purposes only and does not constitute financial, investment, legal, or tax advice. We do not provide regulated investment advice or portfolio management services.

You should not rely on any information on this website as a substitute for professional advice tailored to your specific circumstances. Always consult qualified independent advisors before making financial or business decisions.

4. Regulatory Status

4.1 Black Diamond Investment Bank Limited

Black Diamond Investment Bank Limited is a UK private limited company and non-bank financial institution. It is not authorised or regulated by the UK Financial Conduct Authority (FCA) or Prudential Regulation Authority (PRA) as a deposit-taking bank.

Black Diamond Investment Bank Limited:

• Does NOT offer retail banking services, current accounts, or savings accounts
• Does NOT offer FSCS-protected deposits
• Does NOT provide consumer credit or retail financial products
• Focuses exclusively on structuring, trade finance, and financial-instrument transactions for professional clients

4.2 Black Diamond Brokers Limited

Black Diamond Brokers Limited operates as an Appointed Representative under an FCA-authorised principal firm (Tapoly). All regulated insurance distribution activities are carried out within the regulatory permissions of the authorised principal, in compliance with FCA rules and the Insurance Distribution Directive.

5. No Guaranteed Outcomes

All structures, facilities, and outcomes described on this website are subject to:

• Due diligence and Know Your Customer (KYC) checks
• Anti-money laundering (AML) and sanctions screening
• Credit or underwriting approval by banks, insurers, or other providers
• Formal legal documentation and contractual agreement
• Regulatory compliance and clearance

We do not guarantee:

• Approval or funding of any transaction
• Issuance of any financial instrument or facility
• Specific loan-to-value (LTV) ratios, interest rates, or fees
• Timelines for execution or settlement

Indicative terms, pricing, and timelines are estimates only and may change based on market conditions, issuer appetite, legal review, or regulatory requirements.

6. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Black Diamond Investment Bank Limited or its licensors and is protected by UK and international copyright, trademark, and intellectual property laws.

You may view and print content for personal, non-commercial use only. You may not:

• Reproduce, distribute, or republish website content without written permission
• Use our trademarks, logos, or branding without authorization
• Modify, reverse engineer, or create derivative works from our content or software
• Use automated systems (bots, scrapers) to access or collect data from this website

7. Limitation of Liability

To the fullest extent permitted by law:

• We provide this website and its content "as is" without warranties of any kind, express or implied
• We do not warrant that the website will be uninterrupted, error-free, or free from viruses
• We are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website
• We are not liable for errors, omissions, or inaccuracies in website content
• We are not liable for decisions made based on information on this website

Nothing in these terms excludes or limits our liability for death or personal injury caused by negligence, fraud, or any liability that cannot be excluded under UK law.

8. External Links

This website may contain links to third-party websites for your convenience. We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of third-party sites. You access third-party sites at your own risk.

9. Prohibited Uses

You agree not to use this website:

• For any unlawful purpose or in violation of any applicable laws or regulations
• To transmit or distribute viruses, malware, or harmful code
• To interfere with or disrupt the website or its servers
• To impersonate any person or entity or misrepresent your affiliation
• To harvest or collect email addresses or other data from the website
• To engage in fraudulent activity or attempt to defraud Black Diamond Group or its clients

10. Termination of Access

We reserve the right to terminate or suspend your access to this website at any time, without notice, for any reason, including violation of these Terms of Use or suspicion of fraudulent or unlawful activity.

11. Privacy and Data Protection

Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal data. By using this website, you consent to our data practices as described in the Privacy Policy.

View our Privacy Policy

12. Cookies

This website uses cookies to improve functionality, analyze website usage, and enhance user experience. By continuing to use this website, you consent to our use of cookies. You can manage cookie preferences through your browser settings.

13. Governing Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from or relating to these terms or your use of this website shall be subject to the exclusive jurisdiction of the courts of England and Wales.

14. Anti-Money Laundering and Sanctions

Black Diamond Group is committed to preventing money laundering, terrorism financing, and sanctions violations. We conduct thorough due diligence on all clients and counterparties, including:

• Know Your Customer (KYC) checks and identity verification
• Source of funds and source of wealth verification
• Screening against UK, EU, US, and UN sanctions lists
• Ongoing monitoring and transaction surveillance

We reserve the right to refuse service, terminate relationships, or report suspicious activity to relevant authorities including the National Crime Agency (NCA) and HM Revenue & Customs (HMRC).

15. Indemnification

You agree to indemnify, defend, and hold harmless Black Diamond Investment Bank Limited, its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including legal fees) arising from:

• Your use or misuse of this website
• Your violation of these Terms of Use
• Your violation of any applicable laws or regulations
• Your violation of any third-party rights

16. Severability

If any provision of these Terms of Use is found to be invalid, unlawful, or unenforceable, that provision shall be deemed severed from these terms, and the remaining provisions shall continue in full force and effect.

17. Entire Agreement

These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and Black Diamond Investment Bank Limited regarding your use of this website and supersede any prior agreements or understandings.

18. Changes to Terms

We may update these Terms of Use from time to time by posting the revised terms on this website. The "Last updated" date at the top of this page indicates when the terms were last modified. Continued use of the website after changes constitutes your acceptance of the revised terms.

19. Contact Information

If you have questions about these Terms of Use, please contact:

• Email: legal@bdibglobal.com
• Phone: +44 (0)20 7175 2025
• Address: Black Diamond Investment Bank Limited, United Kingdom

20. Important Legal Disclaimers