Moving Bros Ltd is an independent research publisher. We are not affiliated with, endorsed by, or acting as agents for any financial institution, bank, fintech company, or investment provider referenced in our research, including Itaú Unibanco S.A. and its subsidiaries. Our research does not constitute financial advice. Nothing on this website should be construed as a recommendation to acquire, use, or avoid any financial product or service.
1. Acceptance of Terms
By accessing or using the Moving Bros Ltd website at themovingbros.com (the "Site"), you confirm that you have read, understood, and agree to be bound by these Terms of Use ("Terms") and our Privacy Policy. If you do not agree with any part of these Terms, you must discontinue use of the Site immediately.
These Terms apply to all visitors, users, and any other individuals who access the Site or engage with our research publications and reports (collectively, "Services"). We reserve the right to amend these Terms at any time. Continued use of the Site following any amendment constitutes your acceptance of the revised Terms.
2. Nature of Our Services
Moving Bros Ltd provides independent platform intelligence and research publications focused on the analysis of digital financial services, banking technology infrastructure, and related platform ecosystems. Our research is produced by our internal analyst team and is intended for:
- Business professionals evaluating digital platform capabilities
- Technology decision-makers conducting vendor due diligence
- Researchers and analysts studying financial technology developments
- Institutions benchmarking platform performance across markets
Our Services are informational and analytical in nature only. We do not provide regulated financial advice, investment advice, legal advice, or any other form of professional advisory service requiring authorisation by the Financial Conduct Authority (FCA) or any other regulatory body.
Important: Moving Bros Ltd is not regulated by the Financial Conduct Authority. We are not authorised to provide investment advice, recommend financial products, or arrange transactions in financial instruments. If you require regulated financial guidance, please consult an authorised adviser.
3. Intellectual Property
All content published on this Site, including but not limited to text, analysis, methodology frameworks, scoring systems, graphics, logos, and report structures, is the exclusive intellectual property of Moving Bros Ltd and is protected by copyright, trademark, and related intellectual property laws under English law and applicable international conventions.
3.1 Permitted Use
You may access and read our publicly available research for personal, non-commercial informational purposes. You may share links to our published pages, provided that no content is reproduced in its entirety without prior written consent.
3.2 Prohibited Use
- Reproducing, copying, or distributing our research reports or substantial portions thereof without written authorisation
- Using our content, scoring frameworks, or methodologies for commercial resale
- Presenting our analysis as your own or removing attribution
- Scraping, data-mining, or automated extraction of content from the Site
- Modifying our research to create derivative works without consent
3.3 Third-Party Trademarks
References to financial institutions, platforms, products, or brands within our research are made for the purposes of identification and analytical commentary only. Such references do not constitute affiliation, endorsement, sponsorship, or any commercial relationship. All third-party trademarks remain the property of their respective owners.
4. Research Independence & Methodology
Moving Bros Ltd operates as a fully independent research publisher. Our analysis is conducted without commercial influence from the entities we evaluate. Specifically:
- We do not receive remuneration from financial institutions for publishing favourable analysis
- Our scoring methodology is applied consistently and documented in our research reports
- Research findings reflect the analytical judgements of our team based on publicly available information
- Where we commission custom research, clients receive analysis conducted under the same independence standards
Our research may reference publicly available data, regulatory filings, published technical specifications, and other open-source information. We attribute sources where appropriate. Research opinions represent our analysts' assessments at the time of publication and are subject to change as market conditions evolve.
5. Accuracy & Reliability
While Moving Bros Ltd takes reasonable steps to ensure that our research is accurate and current at the time of publication, we cannot guarantee the completeness, accuracy, or timeliness of any information contained on this Site. Platform capabilities, product features, and institutional data change frequently, and our published research may not reflect the most recent developments.
You acknowledge that:
- Research publications are point-in-time assessments and should not be relied upon as a substitute for direct due diligence
- Platform scores and rankings are analytical opinions, not objective measurements
- Any decisions made on the basis of our research are made at your sole risk and discretion
6. No Financial Advice
Nothing published on this Site, within any report, or communicated by Moving Bros Ltd constitutes financial advice, investment advice, or a recommendation to take any particular action with respect to a financial product, service, or provider.
Our research is designed to inform institutional and professional understanding of platform capabilities. It should not be used as the basis for personal financial decisions including, without limitation, decisions about banking relationships, investment allocations, credit applications, or insurance purchases.
Always obtain independent professional financial advice from an FCA-authorised firm before making any significant financial decision.
7. Limitation of Liability
To the fullest extent permitted by applicable law, Moving Bros Ltd, its directors, employees, and agents shall not be liable for:
- Any direct, indirect, incidental, consequential, or punitive loss arising from your use of or reliance on our research
- Business losses, lost profits, or loss of opportunity connected to decisions informed by our publications
- Inaccuracies, errors, or omissions in our research publications
- Interruptions to the availability of the Site or Services
- Third-party content or external websites linked from this Site
Nothing in these Terms excludes liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be lawfully excluded under English law.
8. External Links
This Site may contain links to external websites operated by third parties, including financial institutions, regulatory bodies, and other research sources. These links are provided for reference and convenience only. Moving Bros Ltd has no control over the content of external websites and accepts no responsibility for their accuracy, legality, or suitability.
The inclusion of a link to an external site does not imply endorsement, affiliation, or recommendation of that site or its operator.
9. Commissioned Research
Moving Bros Ltd offers commissioned research services to institutional and professional clients. Where a client has commissioned a research project:
- The research is conducted under the same independence standards as our published research
- Commissioned clients do not influence research conclusions or scoring outcomes
- A separate engagement agreement governs the terms of commissioned projects
- Publication or distribution rights for commissioned research are defined by the relevant engagement agreement
Enquiries regarding commissioned research should be directed to our team via the contact page.
10. Governing Law & Jurisdiction
These Terms of Use are governed by and construed in accordance with the laws of England and Wales. Any dispute arising from or relating to these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts of England and Wales.
If you are accessing this Site from outside the United Kingdom, you are responsible for ensuring compliance with local laws applicable to your jurisdiction. Moving Bros Ltd makes no representation that the Site or its content is appropriate for use in all locations.
11. Contact Us
If you have questions, concerns, or requests relating to these Terms of Use, please contact us:
- Moving Bros Ltd
- 14 City Road, London EC1V 2NX, United Kingdom
- Email: [email protected]
- Company No: 13784156 (England & Wales)
We aim to acknowledge all written enquiries within five working days.