Terms of Use

Agreement to Terms

These Terms of Use constitute a legally binding agreement between you and Velvet Glimmer Financial Education ("we", "us", "our") concerning your access to and use of the velvet-glimmer.com website and any related services (collectively, the "Services").

By accessing or using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, you must discontinue use of our Services immediately.

Services Overview

Velvet Glimmer provides financial education and consultation services to individuals and families in the United Kingdom. Our Services include:

• Financial literacy education and workshops
• Budget planning and management consultations
• Investment fundamentals guidance
• Debt strategy consultations
• Retirement preparation support
• Related educational resources and materials

Important Disclaimers

Educational Purpose

Our Services are for educational purposes only. We provide information and guidance to help you understand financial concepts and make informed decisions. We do not provide regulated financial advice, investment management, tax advice, or legal counsel.

Not Financial Advice

The information provided through our Services does not constitute formal financial advice as defined by the Financial Conduct Authority (FCA). We are not authorised or regulated by the FCA. You should consult with a regulated financial advisor for specific investment recommendations or financial product selections.

Personal Responsibility

All financial decisions you make based on information obtained through our Services are your sole responsibility. We encourage you to conduct your own research and, where appropriate, seek professional advice before making significant financial commitments.

Eligibility

Our Services are intended for individuals aged 18 and over who are resident in the United Kingdom. By using our Services, you represent and warrant that:

• You are at least 18 years of age
• You have the legal capacity to enter into binding contracts
• All information you provide to us is accurate and complete

User Accounts and Booking

Booking Consultations

To book a consultation, you must provide accurate contact information including your name and email address. You are responsible for maintaining the confidentiality of any booking confirmations and communications from us.

Cancellation and Rescheduling

You may cancel or reschedule any booked consultation with at least 48 hours' notice without penalty. Cancellations made with less than 48 hours' notice may incur an administrative fee of £40. We reserve the right to waive this fee in cases of emergency or exceptional circumstances at our discretion.

Our Right to Refuse Service

We reserve the right to decline or terminate service to any individual at our discretion, including but not limited to situations where:

• The client requires services beyond our scope of expertise
• There is a conflict of interest
• The client engages in abusive, threatening, or inappropriate behaviour

Intellectual Property Rights

Our Content

All content on this website, including text, graphics, logos, designs, images, and software, is the property of Velvet Glimmer or our licensors and is protected by UK and international copyright, trademark, and other intellectual property laws.

Limited Licence

We grant you a limited, non-exclusive, non-transferable licence to access and use our website for personal, non-commercial purposes. You may not:

• Reproduce, distribute, modify, or create derivative works from our content without written permission
• Use our content for commercial purposes
• Remove or alter any copyright, trademark, or other proprietary notices
• Use automated systems (bots, scrapers) to access our website

Client Materials

Personalised materials we create for you during consultations (budget templates, action plans, recommendations) are provided for your personal use. You retain ownership of any personal information or financial data you share with us, subject to our Privacy Policy.

Prohibited Uses

You agree not to use our Services to:

• Violate any applicable laws or regulations
• Infringe upon the intellectual property rights of others
• Transmit harmful code, viruses, or malicious software
• Attempt to gain unauthorised access to our systems or networks
• Impersonate another person or entity
• Harass, threaten, or abuse our staff or other users
• Collect personal information about other users
• Engage in fraudulent or deceptive practices

Limitation of Liability

No Warranties

Our Services are provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding:

• The accuracy, completeness, or timeliness of information provided
• The results you may achieve by implementing our guidance
• Uninterrupted or error-free operation of our website
• The suitability of our Services for your specific circumstances

Limitation of Damages

To the fullest extent permitted by law, Velvet Glimmer shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from:

• Your use of or inability to use our Services
• Financial decisions made based on information obtained through our Services
• Errors, omissions, or inaccuracies in content
• Unauthorised access to or alteration of your data

Our total liability for any claim arising from your use of our Services shall not exceed the amount you paid for the specific service giving rise to the claim.

Exceptions

Nothing in these Terms excludes or limits our liability for:

• Death or personal injury caused by our negligence
• Fraud or fraudulent misrepresentation
• Any liability that cannot be excluded or limited under UK law

Indemnification

You agree to indemnify, defend, and hold harmless Velvet Glimmer, its directors, employees, and agents from any claims, losses, damages, liabilities, and expenses (including reasonable legal fees) arising from:

• Your violation of these Terms
• Your violation of any rights of another party
• Your use of our Services
• Any information you provide to us

Third-Party Links

Our website may contain links to third-party websites for your convenience and information. We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party sites. You access third-party websites at your own risk and should review their terms and policies.

Payment Terms

Fees

Fees for our Services are displayed on our Services page and are subject to change. We will inform you of applicable fees before you commit to booking a service.

Payment Methods

Payment is typically due prior to or at the time of service delivery, unless alternative arrangements have been agreed in writing. We accept payment by bank transfer and major debit/credit cards.

Refunds

If you are dissatisfied with a service, please contact us within seven days. We will either schedule a complimentary follow-up session to address your concerns or provide a full refund, at our discretion. Refunds are not available for services where you fail to attend without providing 48 hours' notice.

Confidentiality

We treat all information you share during consultations with strict confidence. We will not disclose your personal or financial information to third parties except:

• With your explicit consent
• As required by law or legal process
• To service providers bound by confidentiality obligations who assist in delivering our Services

For full details on data handling, see our Privacy Policy.

Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting the updated Terms on this page, with the "Last updated" date revised accordingly.

Your continued use of our Services after changes are posted constitutes acceptance of the modified Terms. We encourage you to review these Terms periodically to stay informed of any updates.

For significant changes that materially affect your rights, we will provide prominent notice on our website or via email if we have your contact information.

Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these Terms or your use of our Services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.

Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Velvet Glimmer regarding your use of our Services and supersede all prior agreements and understandings.

Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. No waiver shall be effective unless made in writing and signed by an authorised representative of Velvet Glimmer.

Contact Information

If you have questions, concerns, or comments about these Terms of Use, please contact us:

Email: [email protected]
Address: Velvet Glimmer Financial Education, 42 Clifton Heights, Bristol BS8 4HJ, United Kingdom

Acknowledgement

By using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.