Terms of Use

Last updated: January 2024

These Terms of Use govern your access to and use of the QuidbridgeTechAI website and services. By accessing our website or engaging our services, you agree to be bound by these terms. If you do not agree with any part of these terms, please do not use our website or services.

About Us

QuidbridgeTechAI Ltd is a company registered in England and Wales. Our registered office is at 47 Northgate Street, Chester, CH1 2HQ. We provide financial education services, including consultations, workshops, and educational resources related to personal money management.

Nature of Our Services

It is important to understand the nature and limitations of our services:

We provide financial education, not regulated financial advice
We are not authorised or regulated by the Financial Conduct Authority (FCA)
Our services do not constitute advice on investments, pensions, insurance, mortgages, or other regulated financial products
Information provided is for general educational purposes and should not be relied upon as specific advice for your circumstances

If you require advice on regulated financial products, we recommend consulting a qualified financial adviser who is authorised by the FCA.

Website Use

Access and Availability

We strive to keep our website accessible and available at all times. However, we do not guarantee uninterrupted access and may suspend or withdraw the website without notice for maintenance, updates, or other reasons.

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
Use the website in any way that is fraudulent or harmful
Attempt to gain unauthorised access to any part of the website or its systems
Introduce viruses, malware, or other malicious code
Reproduce, duplicate, or copy any content without our permission
Use automated systems to extract data from the website

Account Security

If you create an account or access any password-protected areas of our website, you are responsible for maintaining the confidentiality of your login credentials. You must notify us immediately if you become aware of any unauthorised use of your account.

Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of QuidbridgeTechAI Ltd or our content suppliers and is protected by intellectual property laws.

You may:

View and print pages for personal, non-commercial use
Share links to our content

You may not:

Modify or copy content without permission
Use content for commercial purposes without a licence
Remove any copyright or proprietary notices

Service Engagement

Booking and Payment

When you book a service with us:

Prices are as stated on our website at the time of booking
Payment is required in advance unless otherwise agreed
Bookings are confirmed once payment is received
We will provide a receipt for all payments

Cancellation and Refunds

Our cancellation policy is as follows:

Cancellations more than 48 hours before a scheduled session: full refund
Cancellations within 48 hours: 50% refund or option to reschedule
No-shows without notice: no refund

We reserve the right to cancel or reschedule sessions with reasonable notice. In such cases, you will receive a full refund or the option to reschedule at no additional cost.

Satisfaction Guarantee

For one-time services, if you are not satisfied with the value received, please contact us within 7 days. We will work with you to address your concerns, which may include additional support or a partial refund at our discretion.

Limitation of Liability

To the extent permitted by law:

We exclude all warranties and conditions, whether express or implied
We shall not be liable for any indirect, incidental, special, or consequential damages
Our total liability for any claim arising from our services shall not exceed the amount you paid for the relevant service
We do not guarantee specific financial outcomes from following our educational guidance

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.

Your Responsibilities

When using our services, you acknowledge that:

You are responsible for your own financial decisions
Educational information is general in nature and may not be suitable for your specific circumstances
You should seek professional advice for complex financial matters
Any information you provide to us should be accurate and complete

Confidentiality

We treat all personal and financial information you share with us as confidential. We will not disclose such information to third parties except:

With your explicit consent
As required by law
To service providers bound by confidentiality obligations

For more details on how we handle your data, please see our Privacy Policy.

Links to Other Websites

Our website may contain links to third-party websites for your convenience. We have no control over the content or availability of these sites and are not responsible for any loss or damage arising from your use of them. Third-party links do not imply our endorsement.

Changes to These Terms

We may revise these Terms of Use at any time. Changes will be posted on this page with an updated effective date. Your continued use of our website or services after changes are posted constitutes acceptance of the revised terms.

Governing Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these terms or your use of our website or 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 invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms of Use, together with our Privacy Policy and Cookies Policy, constitute the entire agreement between you and QuidbridgeTechAI Ltd regarding your use of our website and services.

Contact Information

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

QuidbridgeTechAI Ltd
47 Northgate Street
Chester, CH1 2HQ
Email: [email protected]