Terms of Use

Last updated: September 2024

1. Agreement to Terms

By accessing or using the Blossom-beaver website (blossom-beaver.com) and services, you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

2. Description of Services

Blossom-beaver provides financial literacy education services, including but not limited to:

• Workshops and courses on personal finance topics
• Individual consultation sessions
• Educational materials and resources
• Financial assessment services

Our services are educational in nature and do not constitute regulated financial advice.

3. Educational Purpose Disclaimer

All information provided through our website and services is for educational purposes only. Our programmes aim to improve financial literacy and understanding, not to provide personalised financial, investment, tax, or legal advice.

You should not rely solely on information from Blossom-beaver when making financial decisions. We recommend consulting with qualified professionals such as financial advisers, accountants, or solicitors for personalised advice suited to your specific circumstances.

4. No Guarantee of Results

While we strive to provide high-quality educational content, we cannot guarantee specific financial outcomes from using our services. Results depend on numerous factors including:

• Your individual financial situation
• Your commitment to implementing what you learn
• Market conditions and economic factors beyond anyone's control
• Your personal decisions and actions

Testimonials and case studies represent individual experiences and are not guarantees of future results.

5. User Responsibilities

When using our website and services, you agree to:

• Provide accurate information when booking services or making enquiries
• Use our services for lawful purposes only
• Not attempt to access, tamper with, or use non-public areas of the website
• Not attempt to probe, scan, or test the vulnerability of any system
• Not interfere with or disrupt the website or connected networks
• Not impersonate any person or entity

6. Booking and Payment

When booking services through our website:

• All prices are displayed in British Pounds (GBP) and include VAT where applicable
• Payment is required to confirm your booking
• Bookings are subject to availability
• We reserve the right to refuse service at our discretion

7. Cancellation and Refunds

Our cancellation policy is as follows:

• Cancellations made more than 48 hours before a scheduled session are eligible for a full refund
• Cancellations made within 48 hours may be eligible for rescheduling subject to availability
• No-shows without prior notice are not eligible for refunds
• Multi-session courses may have specific refund terms communicated at the time of booking

To cancel or reschedule, please contact us at [email protected].

8. Intellectual Property

All content on this website, including text, graphics, logos, images, and educational materials, is the property of Blossom-beaver or its content suppliers and is protected by UK and international copyright laws.

You may not:

• Reproduce, distribute, or publicly display our content without permission
• Modify or create derivative works based on our content
• Use our content for commercial purposes without a licence
• Remove any copyright or proprietary notices

9. User Content

If you submit any content to us (such as feedback, questions, or session notes), you grant Blossom-beaver a non-exclusive, royalty-free licence to use, modify, and incorporate that content for improving our services. You retain ownership of any intellectual property in your original content.

10. Third-Party Links

Our website may contain links to third-party websites or resources. These links are provided for convenience only. We have no control over the content of these sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

11. Limitation of Liability

To the fullest extent permitted by law:

• Blossom-beaver shall not be liable for any indirect, incidental, special, consequential, or punitive damages
• Our total liability for any claims arising from your use of our services shall not exceed the amount you paid for those services
• We are not liable for any loss or damage caused by reliance on information provided through our services

Nothing in these terms excludes or limits our liability for death or personal injury arising from our negligence, fraud, or any other liability that cannot be excluded by law.

12. Indemnification

You agree to indemnify, defend, and hold harmless Blossom-beaver and its officers, employees, and agents from any claims, liabilities, damages, losses, and expenses arising from your violation of these Terms of Use or your use of our services.

13. Privacy

Your use of our website and services is also governed by our Privacy Policy. Please review this policy to understand our practices regarding your personal data.

14. Modifications to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting on this page. Your continued use of the website after changes are posted constitutes your acceptance of the modified terms.

We encourage you to review these terms periodically for any updates.

15. Governing Law

These Terms of Use shall be 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.

16. Severability

If any provision of these Terms of Use is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions shall remain in full force and effect.

17. Entire Agreement

These Terms of Use, together with our Privacy Policy and any specific terms agreed upon when booking services, constitute the entire agreement between you and Blossom-beaver regarding your use of our website and services.

18. Contact Information

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

Blossom-beaver
47 Prosperity Lane
London, EC2A 4NE
United Kingdom
Email: [email protected]