Terms of Use
Last updated: 1st September 2026
These Terms of Use govern your access to and use of lotus-puffin.com and the fraud protection services we provide. By accessing or using our website and services, you agree to be bound by these terms.
Acceptance of Terms
By accessing this website or engaging our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, you should not use our website or services.
Nature of Services
lotus-puffin.com provides fraud protection services, including risk assessments, monitoring, educational resources, and incident response support. Our services are designed to reduce exposure to banking fraud and support your security efforts.
Our services are educational and preventive in nature. They do not constitute:
- Professional financial advice or financial services regulation
- Legal advice or representation
- Insurance or guarantee against fraud losses
- Comprehensive protection against all forms of fraud
Advertising Disclosure
Content on this website is advertising in nature and is designed to promote our fraud protection services. While we strive for accuracy and transparency, you should conduct independent research and consult with appropriate professionals before making decisions based on information provided here.
Service Limitations and Disclaimers
You acknowledge and agree that:
- No fraud protection service can eliminate all risk or guarantee prevention of all fraud attempts
- Our assessments and recommendations represent our professional opinion based on available information
- Results and protection levels may vary based on individual circumstances and adherence to recommendations
- We are not liable for losses resulting from fraud attempts that occur despite our services
- Our services should supplement, not replace, standard banking security measures and professional advice
User Responsibilities
When using our services, you agree to:
- Provide accurate and complete information when requested
- Follow recommended security practices and implement suggested safeguards
- Notify us promptly of any suspected security incidents or concerns
- Maintain the confidentiality of any assessment reports or sensitive information we provide
- Not use our services for unlawful purposes or in violation of any applicable laws
- Contact your banking institution immediately if you suspect active fraud
Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of lotus-puffin.com or its content suppliers and is protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works from our content without express written permission, except for personal, non-commercial use.
Third-Party Links and References
Our website may contain links to third-party websites, including scientific references on PubMed and other external resources. We are not responsible for the content, accuracy, or privacy practices of these external sites. Links are provided for informational purposes and do not constitute endorsement.
Payment and Refunds
Service fees are as stated on our website at the time of engagement. Payment terms will be specified in individual service agreements. Refund policies vary by service type and will be clearly communicated before purchase.
Limitation of Liability
To the fullest extent permitted by law, lotus-puffin.com and its affiliates, officers, employees, and agents shall not be liable for:
- Any indirect, incidental, special, consequential, or punitive damages
- Loss of profits, revenue, data, or use arising from your use of our services
- Damages resulting from fraud incidents that occur despite our services
- Issues arising from failure to follow recommended security practices
Our total liability for any claims arising from our services shall not exceed the amount paid by you for the specific service giving rise to the claim.
Indemnification
You agree to indemnify and hold harmless lotus-puffin.com and its affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of our services, violation of these terms, or infringement of any third-party rights.
Modifications to Services and Terms
We reserve the right to modify, suspend, or discontinue any aspect of our services at any time. We may also update these Terms of Use periodically. Continued use of our website or services after such changes constitutes acceptance of the modified terms.
Governing Law and Jurisdiction
These Terms of Use are governed by the laws of England and Wales. Any disputes arising from these terms or our services shall be subject to the exclusive jurisdiction of the courts of England and Wales.
Severability
If any provision of these Terms of Use is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.
Entire Agreement
These Terms of Use, together with our Privacy Policy and any service-specific agreements, constitute the entire agreement between you and lotus-puffin.com regarding the use of our website and services.
Contact Information
If you have questions about these Terms of Use, please contact us at:
Email: [email protected]
Address: 42 Kensington Gardens, London W2 4RB, United Kingdom