Scrooge & Marley

Terms of Service

Last updated: March 2026

1. Introduction

Welcome to scroogeandmarley.com. By accessing or using this website, you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, please do not use our website.

2. Website Purpose

Scrooge & Marley provides financial services including debt recovery, money lending, estate accounting, and commercial bookkeeping. The scroogeandmarley.com website serves as an informational resource, tool directory, and professional contact point. Content on this website is intended to provide general information about our firm, services, and activities, and does not constitute professional advice.

3. Financial Services

Scrooge & Marley offers financial services to individuals and organisations, including debt collection, money lending, and bookkeeping. All engagements are governed by separate written agreements between Scrooge & Marley and the client. These Terms apply to use of this website only and do not supersede any engagement agreement.

4. Intellectual Property

All content on this website, including text, graphics, logos, images, audio, newsletter articles, tools, and software, is the property of Scrooge & Marley or its content suppliers and is protected by applicable copyright laws. The compilation of all content on this website is the exclusive property of Scrooge & Marley.

Newsletter content originally published on Substack is displayed with attribution to its original source. Original publication rights and any applicable licenses are noted on individual articles.

5. Use License

You are granted a limited, non-exclusive, non-transferable license to access and use our website for informational purposes. This license does not include:

  • Modifying or copying the materials for redistribution
  • Using the materials for any commercial purpose without written permission
  • Attempting to decompile or reverse engineer any software contained on the website
  • Removing any copyright or other proprietary notations from the materials
  • Transferring the materials to another person or “mirroring” the materials on any other server
  • Scraping, crawling, or bulk downloading content beyond what robots.txt permits

This license shall automatically terminate if you violate any of these restrictions and may be terminated by Scrooge & Marley at any time.

6. User Conduct

When using this website, including any interactive features, you agree not to:

  • Submit false or misleading information
  • Attempt to gain unauthorized access to any part of the website or its systems
  • Use the website to transmit harmful code, spam, or malicious content
  • Interfere with or disrupt the website's infrastructure or services
  • Use automated tools to access the website beyond normal browser usage
  • Attempt to abuse or exploit embedded tools

7. Newsletter Content

Newsletter articles displayed on this website are imported from Substack publications operated by Scrooge & Marley. These articles are provided for convenient reading and are attributed to their original Substack source. For the most current version of any article, refer to the original Substack publication linked on each article page.

8. Third-Party Services and Links

This website integrates with and contains links to third-party services including Substack, GitHub, Vercel, Neon, and Anthropic. Scrooge & Marley does not guarantee the accuracy, relevance, timeliness, or completeness of any information on these external services. Please note that Scrooge & Marley is not responsible for the content, privacy practices, or availability of these external services. Your use of third-party services is governed by their respective terms.

9. Disclaimer

The materials on Scrooge & Marley's website are provided “as is” and “as available.” Scrooge & Marley makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Content, tools, and recommendations are provided for informational purposes only. They should not be relied upon as the sole basis for business, technical, or professional decisions. Scrooge & Marley does not warrant that the website will be uninterrupted, error-free, or free of harmful components.

10. Limitations

In no event shall Scrooge & Marley or its partners be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on this website, even if Scrooge & Marley or an authorised representative has been notified orally or in writing of the possibility of such damage.

11. Indemnification

You agree to indemnify and hold harmless Scrooge & Marley, its partners, and its affiliates from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the website or violation of these Terms.

12. Revisions and Errata

The materials appearing on Scrooge & Marley's website could include technical, typographical, or photographic errors. Scrooge & Marley does not warrant that any of the materials on its website are accurate, complete, or current. Scrooge & Marley may make changes to the materials contained on its website at any time without notice.

13. Governing Law

These Terms shall be governed and construed in accordance with the laws of England and Wales, without regard to conflict of law provisions. Any disputes relating to these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

14. Modifications to Terms of Service

Scrooge & Marley may revise these Terms of Service at any time without notice. By using this website, you are agreeing to be bound by the then-current version of these Terms. Changes take effect immediately upon posting. We encourage you to review this page periodically.

15. Contact

If you have any questions about these Terms, please contact Scrooge & Marley:

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