Terms of Use

Agreement to Terms

These Terms of Use constitute a legally binding agreement between you and shine-mosaic ("we," "us," or "our") concerning your access to and use of our website and services. By accessing or using our website, you agree to be bound by these Terms of Use and our Privacy Policy.

If you do not agree with these terms, you must not access or use our website or services.

Eligibility

By using our website and services, you represent and warrant that:

• You are at least 18 years of age
• You have the legal capacity to enter into binding contracts
• You are not prohibited from accessing or using our services under applicable law
• All information you provide is accurate, current, and complete

Services Description

shine-mosaic provides financial education and consulting services, including but not limited to:

• Personal finance coaching
• Business finance strategy consulting
• Investment education programs
• Budget planning workshops
• Debt management consulting
• Retirement planning guidance

Our services are educational and consultative in nature. We do not provide regulated financial advice, investment management, or sell financial products.

Nature of Our Services

Educational Services

Our services focus on financial education and teaching practical money management skills. We help you develop the knowledge and confidence to make your own informed financial decisions.

Not Regulated Financial Advice

We do not provide regulated financial advice as defined by the Financial Conduct Authority (FCA). Our services do not include:

• Specific investment recommendations
• Personal recommendations on financial products
• Portfolio management services
• Execution of trades or financial transactions

If you require regulated financial advice, we recommend consulting a qualified, FCA-authorized financial adviser.

User Responsibilities

When using our website and services, you agree to:

• Provide accurate and complete information
• Maintain the confidentiality of any account credentials
• Use our services only for lawful purposes
• Not misuse or interfere with the operation of our website
• Not attempt unauthorized access to our systems or networks
• Not transmit viruses, malware, or other harmful code
• Not infringe on intellectual property rights
• Respect the privacy and rights of others

Booking and Payment Terms

Service Bookings

When you book a service with us, you agree to:

• Provide accurate booking information
• Pay the agreed fees according to our payment terms
• Attend scheduled sessions or provide reasonable notice of cancellation
• Participate actively and honestly in sessions

Fees and Payment

All fees are stated in British Pounds (GBP) and are subject to change. Payment is typically required before or at the time services are rendered, unless alternative arrangements have been agreed in writing.

Cancellation and Rescheduling

If you need to cancel or reschedule a booked session:

• Notice of at least 48 hours is required for a full refund or rescheduling
• Notice of less than 48 hours may result in a partial fee being charged
• Failure to attend without notice will result in the full session fee being charged

We reserve the right to cancel or reschedule sessions due to unforeseen circumstances, in which case we will provide as much notice as possible and offer alternative arrangements.

Intellectual Property Rights

Our Content

All content on our website, including text, graphics, logos, images, software, and other materials, is owned by or licensed to shine-mosaic and is protected by copyright, trademark, and other intellectual property laws.

You may view and use our website content for personal, non-commercial purposes only. You may not:

• Reproduce, distribute, or publicly display our content without permission
• Modify, adapt, or create derivative works from our content
• Use our content for commercial purposes
• Remove or alter copyright notices or attributions

Session Materials

Materials provided during sessions (worksheets, templates, guides) are for your personal use only. You may not distribute, sell, or commercially exploit these materials without our written permission.

Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that our services will be uninterrupted, error-free, or secure
• Warranties regarding the accuracy, reliability, or completeness of content
• Warranties that our services will achieve specific financial results

Limitation of Liability

To the fullest extent permitted by law, shine-mosaic and its directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Financial losses or lost profits
• Loss of data or business opportunities
• Damages resulting from decisions made based on our educational content
• Damages arising from interruption or cessation of services

Our total liability for any claims arising from or related to 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 negligence, fraud, or any other liability that cannot be excluded or limited under applicable law.

Indemnification

You agree to indemnify, defend, and hold harmless shine-mosaic and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable 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 financial decisions you make

User-Generated Content

If our website allows you to post or submit content (such as comments, questions, or feedback), you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, and display such content in connection with our services.

You represent that any content you submit:

• Does not infringe on any third-party rights
• Is not defamatory, obscene, or otherwise objectionable
• Complies with all applicable laws

We reserve the right to remove any user-generated content that violates these terms or that we deem inappropriate.

Links to Third-Party Websites

Our website may contain links to third-party websites for your convenience. We do not control or endorse these external sites and are not responsible for their content, privacy practices, or terms of use. Accessing third-party websites is at your own risk.

Modifications to Services

We reserve the right to modify, suspend, or discontinue any aspect of our website or services at any time without prior notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of services.

Changes to Terms

We may update these Terms of Use from time to time. We will notify you of material changes by posting the updated terms on our website with a revised "Last updated" date. Your continued use of our website or services after such changes constitutes acceptance of the updated 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 or relating to 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 so we can attempt to resolve the matter informally. If we cannot reach a satisfactory resolution, you may pursue your legal remedies through the appropriate courts or alternative dispute resolution mechanisms.

Severability

If any provision of these Terms of Use is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

Entire Agreement

These Terms of Use, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and shine-mosaic regarding your use of our website and services, superseding any prior agreements or understandings.

Waiver

Our failure to enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of shine-mosaic.

Assignment

You may not assign or transfer your rights or obligations under these Terms of Use without our prior written consent. We may assign our rights and obligations to any party at our discretion.

Professional Conduct

We are committed to maintaining professional standards in all our interactions. We expect our clients to treat our team members with respect and courtesy. We reserve the right to decline or terminate services if behavior becomes abusive, threatening, or otherwise inappropriate.

Confidentiality

Information shared during sessions is treated as confidential, subject to the following exceptions:

• Where disclosure is required by law
• Where disclosure is necessary to prevent harm
• Where you have provided explicit consent to disclosure

Contact Information

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

shine-mosaic
42 Clerkenwell Road
London EC1M 5PS
United Kingdom
Email: [email protected]

Acknowledgment

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