Terms of Use

Agreement to Terms

By accessing and using the wooden-budget website and 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.

These terms constitute a legally binding agreement between you and wooden-budget Financial Services Ltd ("we", "our", or "us").

About Our Services

wooden-budget provides financial planning guidance, budgeting advice, and educational services. We offer consultations, coaching, and resources designed to help individuals improve their financial literacy and management skills.

Our services are educational and advisory in nature. We do not provide regulated investment advice, tax advice, or legal counsel. For specific investment, tax, or legal questions, you should consult a qualified professional in that field.

Eligibility

You must be at least 18 years old to use our services. By using our website and services, you represent and warrant that you meet this age requirement and have the legal capacity to enter into binding agreements.

User Responsibilities

When using our website and services, you agree to:

• Provide accurate and complete information when requested
• Keep your contact information up to date
• Use the website and services only for lawful purposes
• Not attempt to gain unauthorised access to any part of our systems
• Respect the intellectual property rights of wooden-budget and others
• Not transmit any harmful code, viruses, or malicious software
• Not use our services to engage in fraudulent or deceptive practices

Service Delivery and Consultations

When you book a consultation or service with us, the following terms apply:

Scheduling and Attendance

Consultations are scheduled by mutual agreement. We will confirm your appointment via email. If you need to reschedule or cancel, please notify us at least 24 hours in advance. Late cancellations or no-shows may result in a cancellation fee equal to 50% of the service cost.

Delivery Method

Services may be delivered via video call, in person at our office, or through other agreed-upon methods. We will confirm the delivery method when scheduling your appointment.

Your Participation

The effectiveness of our services depends on your active participation and honest disclosure of relevant financial information. You are responsible for implementing the advice and strategies we discuss.

Payment Terms

Payment is required at the time of booking unless otherwise agreed. We accept payment via bank transfer or other methods as specified. All prices are stated in British Pounds (GBP) and include VAT where applicable.

Prices are subject to change, but any price changes will not affect services already booked at a different rate.

Refund Policy

We want you to be satisfied with our services. If you are not happy after your first session, contact us within 7 days and we will either work to resolve your concerns or provide a full refund.

For multi-session services, refunds are calculated on a pro-rata basis for any sessions not yet delivered. Refunds are not available for completed sessions.

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is owned by wooden-budget Financial Services Ltd or our licensors and is protected by copyright, trademark, and other intellectual property laws.

You may view and print content from our website for personal, non-commercial use only. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

Any materials provided to you during consultations, such as budgeting templates or planning documents, are licensed for your personal use only and may not be shared or distributed commercially.

Confidentiality

We treat all information you share during consultations as confidential. We will not disclose your personal or financial information to third parties except:

• With your explicit consent
• When required by law or regulatory authority
• To service providers working on our behalf under confidentiality agreements
• When necessary to protect our legal rights

Our full privacy practices are detailed in our Privacy Policy.

Limitation of Liability

Our services provide guidance and education to help you make informed financial decisions. However, you are ultimately responsible for your own financial choices and their outcomes.

To the fullest extent permitted by law, wooden-budget Financial Services Ltd shall not be liable for:

• Any indirect, incidental, special, or consequential damages
• Loss of profits, revenue, data, or business opportunities
• Financial losses resulting from decisions you make based on our guidance
• Damages arising from interruptions to our service or website

Our total liability to you for any claim arising from our services shall not exceed the amount you paid for those specific services.

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

Disclaimers

Our website and services are provided on an "as is" and "as available" basis. We make no warranties or representations about the accuracy, completeness, or timeliness of the content or services.

We do not guarantee that:

• Our website will be uninterrupted or error-free
• Defects will be corrected promptly
• Our website or servers are free from viruses or harmful components
• Following our guidance will result in specific financial outcomes

Third-Party Links

Our website may contain links to third-party websites for your convenience. We do not endorse or assume responsibility for the content, privacy practices, or services of these external sites. Your use of third-party websites is at your own risk.

Indemnification

You agree to indemnify and hold harmless wooden-budget Financial Services Ltd, its directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from:

• Your use of our website or services
• Your violation of these Terms of Use
• Your violation of any rights of another party
• Any information or content you provide

Termination

We reserve the right to suspend or terminate your access to our website and services at our discretion, particularly if we believe you have violated these Terms of Use.

You may discontinue using our services at any time. If you have booked future services, standard cancellation and refund policies apply.

Modifications to Terms

We may update these Terms of Use from time to time to reflect changes in our practices or legal requirements. Material changes will be communicated through a notice on our website or via email.

Your continued use of our website and services after changes are posted constitutes acceptance of the updated terms. If you do not agree with the changes, you should discontinue using our services.

Governing Law and Jurisdiction

These Terms of Use are governed by 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.

Dispute Resolution

If you have a complaint or dispute, we encourage you to contact us first at [email protected]. We will make every effort to resolve the matter amicably.

If we cannot reach a resolution, you may pursue your claim through the courts or through alternative dispute resolution mechanisms as appropriate.

Severability

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

Entire Agreement

These Terms of Use, together with our Privacy Policy, GDPR statement, and Cookies Policy, constitute the entire agreement between you and wooden-budget Financial Services Ltd regarding your use of our website and services.

Waiver

Our failure to enforce any right or provision in these Terms of Use shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorised representative of wooden-budget.

Contact Information

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

wooden-budget Financial Services Ltd
Email: [email protected]
Address: 42 Riverside Quarter, Bristol BS1 4RN, United Kingdom
Company Registration Number: 11547892

Acknowledgement

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