Terms of Use

These terms of use govern your access to and use of the CotswoltechAI website and services. By accessing our website or using 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

This website is operated by CotswoltechAI Financial Education Ltd, a company registered in England and Wales under company number 08472519. Our registered office is at 14 Market Square, Cirencester, GL7 2NW, United Kingdom.

Nature of Our Services

We provide financial education and guidance services. It is important to understand what this means:

• We offer educational content and general guidance about personal and business finance
• We do not provide regulated financial advice as defined by the Financial Conduct Authority
• We do not recommend specific financial products, investments, or providers
• We do not manage investments or handle client funds

Our services are designed to help you understand financial concepts and develop strategies, but any decisions you make based on our guidance are your own responsibility. For regulated financial advice, please consult an authorised financial adviser.

Website Use

When using our website, you agree to:

• Use the website only for lawful purposes and in accordance with these terms
• Not use the website in any way that could damage, disable, or impair it
• Not attempt to gain unauthorised access to any part of the website or its systems
• Not use automated systems or software to extract data from the website without permission
• Not transmit any material that is defamatory, offensive, or otherwise objectionable

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of CotswoltechAI Financial Education Ltd or our content suppliers and is protected by copyright and other intellectual property laws.

You may view, download, and print content from this website for your personal, non-commercial use only. You must not:

• Republish material from this website without attribution
• Sell, rent, or sub-license material from the website
• Reproduce, duplicate, or copy material for commercial purposes
• Edit or modify any material on the website
• Remove any copyright or proprietary notices

Service Bookings and Payments

When you book a consultation or service with us:

• You agree to provide accurate and complete information
• Payment is required at the time of booking unless otherwise agreed
• Prices are as stated on our website and include VAT where applicable
• We reserve the right to decline a booking at our discretion

Cancellation and Rescheduling

We understand that circumstances change. Our cancellation policy is as follows:

• Cancellations made more than 48 hours before the scheduled session will receive a full refund
• Cancellations made within 48 hours may be rescheduled at no additional charge, subject to availability
• No-shows without prior notice will forfeit the session fee
• We reserve the right to reschedule sessions with reasonable notice if necessary

Satisfaction Guarantee

If you are not satisfied with your first session, contact us within 7 days and we will refund your payment in full. This applies to single sessions only, not packages.

Disclaimer of Warranties

The information on this website is provided "as is" without any warranties of any kind, either express or implied. While we strive to keep information accurate and up to date, we make no representations about the completeness, accuracy, or suitability of the information for any purpose.

Financial information and guidance are inherently general in nature. What works for one person may not work for another. You should always consider your own circumstances and, where appropriate, seek professional advice before making financial decisions.

Limitation of Liability

To the fullest extent permitted by law, CotswoltechAI Financial Education Ltd shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Any loss of profits, revenue, data, or other intangible losses
• Any damages arising from your reliance on information provided through our website or services
• Any damages arising from interruption or cessation of our services

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

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

Indemnification

You agree to indemnify and hold harmless CotswoltechAI Financial Education Ltd, its directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our website or services, your violation of these terms, or your violation of any rights of another.

Third-Party Links

Our website may contain links to external websites for your convenience. We have no control over the content or availability of these sites and do not endorse or accept responsibility for them. Your use of third-party websites is at your own risk and subject to their terms and conditions.

Privacy

Your use of our website and services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.

Changes to These Terms

We may revise these terms at any time by updating this page. Changes take effect immediately upon posting. Your continued use of the website after changes are posted constitutes acceptance of the revised terms. We encourage you to review these terms periodically.

Severability

If any provision of these terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

Entire Agreement

These terms, together with our Privacy Policy and any specific terms agreed in relation to particular services, constitute the entire agreement between you and CotswoltechAI Financial Education Ltd regarding your use of our website and services.

Governing Law and Jurisdiction

These terms are governed by 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.

Contact Information

If you have questions about these terms, please contact us:

CotswoltechAI Financial Education Ltd
14 Market Square
Cirencester, GL7 2NW
Email: [email protected]