Terms of Use
Last updated: January 2024
These terms govern your use of the bluefin-cipher website and our services. By accessing our website or engaging our services, you agree to these terms. Please read them carefully.
About Our Services
bluefin-cipher Ltd provides financial education and coaching services. We offer guidance on budgeting, savings strategies, debt management, and general money management principles.
Important: We are not regulated financial advisers and do not provide regulated financial advice. Our services are educational in nature. For specific investment advice, tax planning, or other regulated financial services, you should consult an appropriately qualified and authorised professional.
Use of This Website
You may use this website for personal, non-commercial purposes in accordance with these terms. You agree not to:
- Use the website in any way that violates applicable laws or regulations
- Attempt to gain unauthorised access to any part of the website or its systems
- Transmit any harmful code, viruses, or other malicious software
- Copy, reproduce, or redistribute website content without permission
- Use automated systems to access the website in a manner that could damage or overload it
Intellectual Property
All content on this website, including text, graphics, logos, and software, is the property of bluefin-cipher Ltd or our content suppliers and is protected by copyright and other intellectual property laws.
You may view and print content for personal use, but you may not otherwise reproduce, distribute, or commercially exploit any content without our written permission.
Service Terms
When you book a consultation or other service with us, the following terms apply:
Booking and Payment
Payment is due before your scheduled session unless otherwise agreed. We accept bank transfers and major credit and debit cards. Prices are stated in British Pounds and include VAT where applicable.
Cancellation
You may reschedule or cancel a session with at least 24 hours notice at no charge. Cancellations with less than 24 hours notice may be subject to a 50% cancellation fee. Non-attendance without notice will be charged in full.
Session Content
The content of our sessions is based on information you provide. We rely on you to give accurate and complete information about your financial situation. We cannot be held responsible for guidance based on incorrect or incomplete information.
Disclaimer
The information provided through our website and services is for general educational purposes only. It does not constitute regulated financial advice and should not be relied upon as such.
We make reasonable efforts to ensure information is accurate and up-to-date, but we cannot guarantee its completeness or accuracy. Financial situations are complex and individual; what works for one person may not be appropriate for another.
Any decisions you make based on information from our website or services are your own responsibility. We recommend consulting appropriate professionals before making significant financial decisions.
Limitation of Liability
To the fullest extent permitted by law, bluefin-cipher Ltd shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our website or services.
Our total liability for any claim arising from our services shall not exceed the amount you paid for those services.
Nothing in these terms excludes or limits our liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded by law.
Third-Party Links
Our website may contain links to external websites for your convenience. We do not control these external sites and are not responsible for their content, privacy practices, or availability. Including a link does not imply endorsement of the linked website.
Indemnification
You agree to indemnify and hold harmless bluefin-cipher Ltd, its directors, employees, and agents from any claims, damages, or expenses arising from your breach of these terms or misuse of our website or services.
Changes to These Terms
We may revise these terms from time to time. Changes will be posted on this page with an updated revision date. Continued use of the website or services after changes are posted constitutes acceptance of the revised terms.
For significant changes, we may provide additional notice, such as via email to registered users.
Severability
If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
Governing Law
These terms are governed by the laws of England and Wales. Any disputes arising from these terms or your use of our website or services shall be subject to the exclusive jurisdiction of the courts of England and Wales.
Contact Information
If you have questions about these terms, please contact us:
bluefin-cipher Ltd
47 Colmore Row, Birmingham, B3 2BS
Email: [email protected]