Terms of Use

Agreement to Terms

By accessing and using this website and our services, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you should not use our website or services.

Services Description

We provide financial guidance and educational services designed to help individuals improve their money management skills. Our services include consultations, budget planning, debt strategy development, and related financial education.

What Our Services Are Not

Our services are educational in nature and do not constitute:

• Regulated financial advice as defined by the Financial Conduct Authority (FCA)
• Investment advice or portfolio management
• Legal advice or debt counseling regulated under consumer credit legislation
• Tax advice or accounting services
• Insurance brokerage or product sales

User Responsibilities

When using our services, you agree to:

• Provide accurate and complete information
• Maintain the confidentiality of any login credentials if provided
• Use the services only for lawful purposes
• Not misrepresent your identity or affiliation
• Take responsibility for implementing any guidance or recommendations

Booking and Payment

When you book a service through our website:

• Prices are stated in British Pounds (GBP) and include applicable taxes
• Payment is required before the scheduled session
• You will receive confirmation via email once your booking is processed
• Cancellations made at least 48 hours before the scheduled session may be eligible for rescheduling or refund at our discretion
• Late cancellations or no-shows may not be eligible for refunds

Intellectual Property

All content on this website, including text, graphics, logos, and materials provided during sessions, is the property of brisk-forest or its content suppliers and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from our content without explicit written permission.

Limitation of Liability

To the fullest extent permitted by law:

• We provide our services on an "as is" basis without warranties of any kind
• We are not liable for any financial decisions you make based on our guidance
• We are not responsible for any direct, indirect, incidental, or consequential damages arising from your use of our services
• Our total liability to you for any claims arising from our services is limited to the amount you paid for those services

No Guarantee of Results

Individual results from our services may vary significantly based on personal circumstances, commitment to implementation, and external factors beyond our control. We make no guarantees about specific outcomes or financial improvements.

Confidentiality

We treat information you share during consultations as confidential, subject to the exceptions outlined in our Privacy Policy. However, you acknowledge that we cannot guarantee absolute security of information transmitted electronically.

Professional Advice Recommendation

Our services complement but do not replace professional financial, legal, or tax advice. We strongly recommend consulting with appropriately qualified and regulated professionals before making significant financial decisions, particularly regarding:

• Investment of substantial sums
• Pension planning
• Tax strategy
• Debt restructuring involving legal processes
• Business financial planning

Modifications to Services

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice. We may also update these terms periodically, and your continued use of our services constitutes acceptance of any changes.

Governing Law

These Terms of Use are governed by the laws of England and Wales. Any disputes arising from these terms or our services will be subject to the exclusive jurisdiction of the courts of England and Wales.

Severability

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

Contact Information

If you have questions about these Terms of Use, please contact us at info@brisk-forest.com.