Terms of Use

Agreement to Terms

By accessing and using the blossom-ware website and services, you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

Description of Services

blossom-ware provides financial education services designed to help individuals understand fundamental concepts of personal finance, including budgeting, debt management, saving, investing, and retirement planning. Our services are educational in nature and do not constitute financial advice, investment management, or any form of regulated financial services.

Educational Nature of Services

The information and guidance provided through our services are for educational purposes only. We do not:

• Provide personalized financial advice tailored to your specific circumstances
• Manage investments or assets on your behalf
• Recommend specific financial products or securities
• Guarantee any particular financial outcome or result
• Act as a regulated financial adviser

You should consult with a qualified financial adviser before making significant financial decisions based on the education you receive from our services.

No Guarantees

While we strive to provide accurate and helpful educational content, we make no guarantees regarding the results you may achieve by applying the concepts and strategies discussed in our sessions. Financial outcomes depend on numerous factors beyond our control, including but not limited to economic conditions, personal circumstances, and individual decision-making.

User Responsibilities

When using our website and services, you agree to:

• Provide accurate and complete information when requested
• Use the services only for lawful purposes
• Not misrepresent your identity or affiliation
• Respect the intellectual property rights of blossom-ware and others
• Not attempt to gain unauthorized access to any portion of the website or services
• Not use the services in any manner that could damage, disable, or impair our systems

Booking and Payment

When you book a service through our website:

• You agree to pay the stated fee for the service
• Payment terms will be communicated when we confirm your booking
• Prices are subject to change without notice, but confirmed bookings will honor the price quoted at the time of booking
• All fees are in GBP unless otherwise stated

Cancellation and Refund Policy

If you need to cancel or reschedule a booked session:

• Cancellations made more than 48 hours before the scheduled session will receive a full refund
• Cancellations made between 24-48 hours before the session will receive a 50% refund
• Cancellations made less than 24 hours before the session are non-refundable
• We reserve the right to cancel or reschedule sessions due to unforeseen circumstances and will offer a full refund or rescheduling option in such cases

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of blossom-ware or its content suppliers and is protected by intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this website without our express written permission.

Any materials provided during sessions, such as templates or worksheets, are for your personal use only and may not be shared, sold, or distributed to others.

Confidentiality

We respect the confidentiality of information you share during our sessions. However, please note that absolute confidentiality cannot be guaranteed in all circumstances. We may be required to disclose information if compelled by law or if we believe disclosure is necessary to protect rights, property, or safety.

Limitation of Liability

To the fullest extent permitted by law, blossom-ware and its directors, employees, and agents 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 of or inability to use our services
• Any conduct or content of any third party on the services
• Unauthorized access, use, or alteration of your transmissions or content
• Financial decisions made based on education received through our services

Our total liability for any claim arising from your use of our services shall not exceed the amount you paid for the specific service giving rise to the claim.

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, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not warrant that:

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

Links to Third-Party Websites

Our website may contain links to third-party websites that are not owned or controlled by blossom-ware. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites. We encourage you to review the terms and policies of any third-party websites you visit.

Indemnification

You agree to indemnify, defend, and hold harmless blossom-ware and its directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of our services, your violation of these Terms of Use, or your violation of any rights of another party.

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. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Changes to Terms

We reserve the right to modify or replace these Terms of Use at any time. If we make material changes, we will provide notice on our website. Your continued use of the services after any changes indicates your acceptance of the new terms.

Severability

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

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 blossom-ware regarding your use of our website and services.

Contact Information

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

Email: [email protected]
Address: Leeds, United Kingdom