1. Acceptance of Terms

Welcome to FinSmart UK. By accessing and using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms constitute a legal agreement between you and FinSmart UK.

If you do not agree with any part of these terms, you must not use our website or services. We reserve the right to modify these terms at any time, and such modifications shall be effective immediately upon posting on this website. Your continued use of the website after the posting of any modified terms constitutes your acceptance of the modified terms.

2. Description of Services

FinSmart UK provides financial education, guidance, and resources designed to help users manage their finances more effectively. Our services include but are not limited to:

• Educational content about financial management
• Webinars and online workshops
• Financial planning tools and templates
• General financial guidance
• Newsletter subscriptions

While we strive to provide accurate and up-to-date information, our services are for educational and informational purposes only and should not be construed as professional financial advice, investment advice, or tax advice. You should consult with qualified professionals regarding your specific financial situation.

3. User Conduct

In using our website and services, you agree to:

• Provide accurate, current, and complete information when registering or submitting information
• Maintain and promptly update your registration data
• Keep your password and account information confidential
• Be responsible for all activities that occur under your account
• Immediately notify FinSmart UK of any unauthorized use of your account or other security breaches
• Not use our services for any illegal or unauthorized purpose
• Comply with all applicable laws and regulations

You are prohibited from using the website in any way that could damage, disable, overburden, or impair our servers or networks, or interfere with any other party's use and enjoyment of the website.

4. Intellectual Property Rights

All content on this website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, data compilations, and software, is the property of FinSmart UK or its content suppliers and is protected by United Kingdom and international copyright laws.

You may access, download, or print materials from this website for your personal, non-commercial use only. You must not modify the paper or digital copies of any materials you have printed or downloaded, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status as the authors of content on this website must always be acknowledged. You must not use any part of the content on our website for commercial purposes without obtaining a license to do so from us or our licensors.

5. User Submissions

Any material, information, ideas, concepts, know-how, or techniques submitted to us through our website will be deemed to be non-confidential and non-proprietary. We shall have no obligation of any kind with respect to such submissions and shall be free to use or disseminate them for any purpose, without compensation to the provider of the submissions.

By submitting content to us, you grant FinSmart UK a worldwide, non-exclusive, royalty-free, perpetual, irrevocable license to use, reproduce, modify, adapt, publish, translate, distribute, and display such content in any media, including for promotional purposes.

6. Disclaimer of Warranties

The information and services provided by FinSmart UK are provided "as is" and "as available" without any warranty of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

FinSmart UK does not warrant that the functions contained in the website will be uninterrupted or error-free, that defects will be corrected, or that the website or the server that makes it available are free of viruses or other harmful components.

FinSmart UK does not warrant or make any representations regarding the use or the results of the use of the services in terms of their correctness, accuracy, reliability, or otherwise. You (not FinSmart UK) assume the entire cost of all necessary servicing, repair, or correction.

7. Limitation of Liability

To the fullest extent permitted by applicable law, FinSmart UK shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to, damages for loss of profits, goodwill, use, data, or other intangible losses resulting from:

1. The use or the inability to use the service
2. The cost of procurement of substitute goods and services
3. Unauthorized access to or alteration of your transmissions or data
4. Statements or conduct of any third party on the service
5. Any other matter relating to the service

This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if FinSmart UK has been advised of the possibility of such damage.

8. Indemnification

You agree to indemnify, defend, and hold harmless FinSmart UK, its officers, directors, employees, agents, licensors, and suppliers from and against all losses, expenses, damages, and costs, including reasonable attorneys' fees, resulting from any violation of these terms or any activity related to your account (including negligent or wrongful conduct) by you or any other person accessing the service using your account.

9. Termination

FinSmart UK reserves the right, in its sole discretion, to terminate your access to all or part of the website and services, with or without notice, for any reason, including without limitation, breach of these Terms of Use.

Upon termination, your right to use the website and services will immediately cease, and you must destroy all materials obtained from this site and all related documentation and all copies and installations thereof, whether made under these terms or otherwise.

The provisions relating to Intellectual Property Rights, Disclaimer of Warranties, Limitation of Liability, and Indemnification shall survive the termination of these Terms of Use.

10. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the United Kingdom, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to these terms shall be filed only in the courts located in the United Kingdom, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.

11. Contact Information

If you have any questions about these Terms of Use, please contact us at:

FinSmart UK
83 Victoria Avenue, Manchester, M9 0RD
Phone: +44 8452 719 306
Email: terms@finsmartuk.com