Last updated: 10 February 2026
This website is operated by PATO Ltd (“PATO”, “we”, “us”). By accessing or using this website, you agree to these Terms of Use.
This website is an information-only holding page. It does not provide products, services, user accounts, onboarding, or transactional functionality. Any future products or services will be made available separately and subject to their own terms.
Nothing on this website constitutes financial, legal, tax, or other professional advice. You should not rely on any information on this website as a substitute for professional advice.
No services are offered through this website. No contract or commercial relationship is formed by your access to this site or by contacting us via the contact details displayed here.
Any references to future technology, products, or platforms are indicative only. Access to any future systems may be restricted, invite-only, or subject to separate terms and conditions.
PATO Ltd is not authorised or regulated by the Financial Conduct Authority. No financial, legal, or tax advice is provided.
To the fullest extent permitted by law, PATO shall not be liable for any loss or damage arising from the use of, or reliance on, this website or its contents.
We may update these Terms of Use from time to time. Continued use of the website constitutes acceptance of the updated terms.
These terms are governed by the laws of England and Wales, and the courts of England and Wales shall have exclusive jurisdiction.