Last updated: April 2026 — Daniel Hartley, Bear Communications
By accessing and using the website located at bearcommunications.net (the "Site"), you agree to be bound by these Terms of Use (the "Terms") and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, please do not use the Site.
The content on the Site is provided for informational purposes only and is not intended to be a comprehensive or detailed statement concerning the matters addressed. The information on the Site is not financial, legal, or professional advice, and should not be relied upon as such. The information on the Site is subject to change without notice.
Neither Bear Communications, its owner Daniel Hartley, nor any of their respective officers, directors, employees, agents, or affiliates (collectively, the "Bear Communications Parties") shall be liable for any damages or losses resulting from your use of the Site or the information contained therein. The Bear Communications Parties expressly disclaim all warranties, express or implied, including but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
The Site is intended for use by individuals who are at least 18 years of age. By using the Site, you represent and warrant that you are at least 18 years old.
The content, design, and functionality of the Site, including but not limited to text, graphics, images, logos, button icons, software, and other material (collectively, the "Content"), are owned by or licensed to the Bear Communications Parties and are protected by copyright, trademark, and other intellectual property laws. You may not modify, copy, distribute, transmit, display, reproduce, or create derivative works from the Content without the prior written permission of the Bear Communications Parties.
These Terms and your use of the Site shall be governed by and construed in accordance with the laws of England and Wales, without giving effect to any principles of conflicts of law.
The content on the Site is created and edited by Daniel Hartley, the owner of Bear Communications.
The information provided on the Site is for informational purposes only and is not intended to be a substitute for professional financial, legal, or other advice. The Bear Communications Parties do not provide any financial, legal, or professional services, and the content on the Site should not be relied upon as such. You should always seek the advice of a qualified professional before making any decisions related to the topics covered on the Site.