Terms of Use
Please read these terms carefully before using our website
These Terms of Use ("Terms") govern your access to and use of the AlbiovordTechPro website and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website.
1. About Us
AlbiovordTechPro Ltd ("we," "us," "our") is a company registered in England and Wales under company number 08234567. Our registered office is at 47 Whitfield Street, London W1T 4HF, United Kingdom.
We provide financial education services and information. We are not authorised or regulated by the Financial Conduct Authority (FCA) and do not provide regulated financial advice.
2. Acceptance of Terms
By accessing our website, you confirm that you:
- Are at least 18 years of age
- Have the legal capacity to enter into binding agreements
- Accept and agree to be bound by these Terms
- Accept and agree to our Privacy Policy
3. Our Services
Nature of Services
We provide financial education, guidance, and information services. Our services are designed to improve financial literacy and help clients make informed decisions about their personal finances.
Not Financial Advice
The information and guidance we provide is educational in nature and should not be construed as personalised financial advice, investment advice, tax advice, or legal advice. We do not provide recommendations on specific financial products or investments.
Before making any financial decisions, you should consider seeking advice from appropriately qualified and regulated professionals, such as FCA-authorised financial advisers, accountants, or solicitors.
4. Use of Website
Permitted Use
You may use our website for lawful purposes only. You agree not to:
- Use the website in any way that violates applicable laws or regulations
- Use the website in any way that is harmful, fraudulent, or deceptive
- Attempt to gain unauthorised access to our systems or networks
- Interfere with or disrupt the website or servers
- Transmit any viruses, malware, or harmful code
- Collect or harvest information about other users
- Use automated means to access the website without permission
- Reproduce, duplicate, or copy material from our website for commercial purposes without consent
Account Security
If you create an account with us, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorised use of your account.
5. Intellectual Property
Ownership
All content on this website, including text, graphics, logos, images, audio, video, software, and other materials, is the property of AlbiovordTechPro Ltd or our content suppliers and is protected by copyright, trademark, and other intellectual property laws.
Limited Licence
We grant you a limited, non-exclusive, non-transferable licence to access and use our website for personal, non-commercial purposes. This licence does not include the right to:
- Modify or copy website materials
- Use materials for commercial purposes
- Remove any copyright or proprietary notices
- Transfer materials to another person or organisation
- Mirror or frame the website on another server
6. Service Terms
Booking and Payment
Service fees are as stated on our website at the time of booking. All prices include VAT where applicable. Payment is required in advance for individual sessions. Programme participants may be eligible for payment plans as described on our Services page.
Cancellation
Sessions may be rescheduled or cancelled with at least 48 hours notice at no charge. Cancellations with less than 48 hours notice may incur a 50% fee. Failure to attend a scheduled session without notice will be charged in full.
Refunds
Refunds for unused services may be provided at our discretion. Refunds will not be provided for services that have been delivered. If you are dissatisfied with a service, please contact us to discuss your concerns.
7. Disclaimers
Educational Information
The information provided on this website and through our services is for educational purposes only. While we strive to provide accurate and up-to-date information, we make no warranties or representations about the accuracy, completeness, or suitability of any information for any particular purpose.
No Guarantees
Financial outcomes depend on many factors beyond our control. We do not guarantee any specific results or outcomes from using our services. Past results achieved by other clients are not indicative of results you may achieve.
Website Availability
We do not guarantee that our website will be available at all times or that it will be free from errors or viruses. We may suspend, withdraw, or restrict access to the website for maintenance, updates, or other reasons.
8. Limitation of Liability
To the maximum extent permitted by law:
- We exclude all implied warranties, conditions, and representations
- We will not be liable for any indirect, consequential, special, or punitive damages
- Our total liability for any claims arising from your use of our website or services shall not exceed the amount you paid to us in the 12 months preceding 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.
9. Indemnification
You agree to indemnify, defend, and hold harmless AlbiovordTechPro Ltd and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:
- Your use of our website or services
- Your violation of these Terms
- Your violation of any third-party rights
- Any financial decisions you make based on information obtained through our services
10. Third-Party Links
Our website may contain links to third-party websites. These links are provided for your convenience only. We have no control over and accept no responsibility for the content, privacy policies, or practices of third-party websites. Accessing third-party websites is at your own risk.
11. Changes to Terms
We may revise these Terms at any time by updating this page. Changes become effective immediately upon posting. Your continued use of the website after changes are posted constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.
12. Termination
We may terminate or suspend your access to our website immediately, without prior notice, if you breach these Terms or for any other reason at our sole discretion. Upon termination, your right to use the website will cease immediately.
13. Governing Law
These Terms are governed by the laws of England and Wales. Any disputes arising from these Terms or your use of our website shall be subject to the exclusive jurisdiction of the courts of England and Wales.
14. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect. The invalid or unenforceable provision will be modified to the minimum extent necessary to make it valid and enforceable.
15. Entire Agreement
These Terms, together with our Privacy Policy and any other legal notices on our website, constitute the entire agreement between you and AlbiovordTechPro Ltd regarding your use of our website.
16. Contact Information
If you have questions about these Terms, please contact us:
AlbiovordTechPro Ltd
47 Whitfield Street
London W1T 4HF
United Kingdom
Email: [email protected]