Terms of Use

Agreement to Terms

By accessing and using the website silky-spindle.com 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 must not use our website or services.

Services Description

Silky Spindle provides financial coaching, guidance, and educational services designed to help individuals improve their financial understanding and decision-making. Our services include personalized consultations, financial analysis, planning support, and educational resources.

We are not licensed financial advisors, accountants, or legal professionals. Our services are for educational and guidance purposes only and should not be considered as professional financial advice.

User Responsibilities

When using our services, you agree to:

• Provide accurate and complete information
• Keep your account information confidential
• Use our services only for lawful purposes
• Not attempt to gain unauthorized access to our systems
• Not transmit any harmful or malicious code
• Respect intellectual property rights
• Not misrepresent your identity or affiliation

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Silky Spindle or its content suppliers and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any of our content without our express written permission.

Disclaimer of Warranties

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

We do not warrant that:

• Our services will meet your specific requirements
• Our services will be uninterrupted, timely, secure, or error-free
• The results obtained from using our services will be accurate or reliable
• Any errors in our services will be corrected

Limitation of Liability

To the fullest extent permitted by law, Silky Spindle shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

• Your use or inability to use our services
• Any unauthorized access to or use of our servers
• Any interruption or cessation of transmission to or from our services
• Any bugs, viruses, or other harmful code
• Any errors or omissions in any content
• Any decisions made based on information provided through our services

Financial Decisions Disclaimer

The information and guidance provided through our services are for educational purposes only. We do not provide investment advice, tax advice, or legal advice.

All financial decisions remain your sole responsibility. We strongly recommend consulting with licensed financial advisors, accountants, or legal professionals before making significant financial decisions.

Past performance does not guarantee future results. Financial strategies that work for one person may not be suitable for another.

Payment Terms

Payment for services is required as specified at the time of booking. All fees are non-refundable unless otherwise stated in writing.

We reserve the right to change our pricing at any time. Price changes will not affect services already purchased.

Cancellation and Refund Policy

Sessions may be rescheduled with at least 48 hours notice. Cancellations with less than 48 hours notice may not be eligible for rescheduling.

Refunds are considered on a case-by-case basis and are at our sole discretion.

Confidentiality

We treat all client information with strict confidentiality. However, you acknowledge that we are not bound by attorney-client privilege or similar professional confidentiality protections.

We may be required to disclose information if legally compelled to do so.

Third-Party Links

Our website may contain links to third-party websites or services that are not owned or controlled by Silky Spindle.

We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

Modifications to Terms

We reserve the right to modify these Terms of Use at any time. We will notify users of any material changes by posting the new terms on this page with an updated revision date.

Your continued use of our services after any such changes constitutes your acceptance of the new terms.

Governing Law

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

Dispute Resolution

Any disputes arising out of or relating to these terms or our services shall be resolved through good faith negotiation. If negotiation fails, disputes shall be resolved through arbitration in accordance with the rules of the London Court of International Arbitration.

Severability

If any provision of these Terms of Use is held to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

Contact Information

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

Email: [email protected]
Address: 42 Kensington Gardens, Brighton, East Sussex, BN1 4AL, United Kingdom