Terms of Use

Agreement to Terms

By accessing and using the canopy-civet website, you accept and 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.

These terms apply to all visitors, users, and others who access or use our services.

Description of Services

canopy-civet provides financial education services to individuals seeking to improve their understanding of personal finance, budgeting, saving, and investment principles.

Our services include:

• Individual financial consultations
• Budget planning assistance
• Debt strategy guidance
• Investment education
• Retirement planning information

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

Not Financial Advice

Important: The information and services provided by canopy-civet are for educational purposes only and should not be considered as regulated financial advice.

We are not authorized or regulated by the Financial Conduct Authority to provide investment advice or recommend specific financial products. Our consultations are designed to educate you about financial concepts and help you develop your own decision-making frameworks.

For regulated financial advice, investment recommendations, or complex financial planning, you should consult with a qualified and FCA-authorized financial advisor.

Use of Website

Permitted Use

You may use our website for lawful purposes only. You agree not to use the website:

• In any way that breaches applicable laws or regulations
• To transmit any unlawful, harmful, or objectionable material
• To attempt to gain unauthorized access to our systems
• To engage in any activity that could damage, disable, or impair the website
• To use automated systems to access the website without our permission

Intellectual Property

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

You may view, download, and print pages from the website for personal, non-commercial use, provided you do not modify the content and retain all copyright notices.

Service Terms

Booking and Cancellation

When you book a consultation through our website:

• You agree to provide accurate and complete information
• You will receive confirmation of your booking via email
• You may cancel or reschedule with at least 24 hours notice
• We reserve the right to cancel or reschedule appointments due to unforeseen circumstances

Payment Terms

Services must be paid for in advance of your scheduled consultation. Payment confirms your booking. Prices are listed in British Pounds (GBP) and include applicable taxes.

Refund Policy

If you cancel a consultation with at least 48 hours notice, you are eligible for a full refund. Cancellations made with less than 48 hours notice are not eligible for refunds, though we may offer rescheduling at our discretion.

If we need to cancel your consultation, you will receive a full refund or the option to reschedule.

User Responsibilities

As a user of our services, you are responsible for:

• Providing accurate and truthful information during consultations
• Maintaining the confidentiality of any account credentials
• Attending scheduled consultations or providing advance notice of cancellation
• Implementing any guidance at your own discretion and risk
• Seeking professional advice when appropriate for your situation

Disclaimer of Warranties

Our website and services are provided "as is" without warranties of any kind, either express or implied.

We do not warrant that:

• The website will be available at all times or without interruption
• The information provided is complete, accurate, or up-to-date
• The website is free from viruses or other harmful components
• Results from following our educational guidance will meet your expectations

Financial markets and personal circumstances vary significantly. Past performance or examples discussed do not guarantee future results.

Limitation of Liability

To the fullest extent permitted by law, canopy-civet shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our website or services.

This includes but is not limited to:

• Financial losses resulting from decisions made based on our educational content
• Errors or omissions in the content provided
• Unauthorized access to or alteration of your data
• Any other matter relating to the services

Our total liability to you for all claims arising from your use of our services shall not exceed the amount you paid for the specific service in question.

Indemnification

You agree to indemnify and hold harmless canopy-civet, its directors, employees, and agents from any claims, losses, damages, liabilities, and expenses (including legal fees) arising from:

• Your use of our website or services
• Your breach of these Terms of Use
• Your violation of any rights of another party

External Links

Our website may contain links to external websites operated by third parties. We do not control these websites and are not responsible for their content, privacy practices, or terms of use.

The inclusion of any link does not imply endorsement by canopy-civet. You access external websites at your own risk.

Privacy

Your use of our website and services is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

Modifications to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the website with an updated "Last updated" date.

Your continued use of the website after changes are posted constitutes acceptance of the modified terms. We encourage you to review these terms periodically.

Modifications to Services

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuation of services.

Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles.

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 of Use 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 of Use, together with our Privacy Policy and any other legal notices published on this website, constitute the entire agreement between you and canopy-civet regarding your use of our website and services.

Contact Information

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

Email: [email protected]
Address: 42 Wellington Street, Leicester, LE1 6HL, United Kingdom

Acknowledgment

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