Terms of Use

Last Updated: January 2024

These Terms of Use govern your access to and use of the Brave Haven website and services. By using our website or engaging our services, you agree to be bound by these terms. If you do not agree, please do not use our website or services.

About Our Services

Brave Haven Financial Education Ltd provides financial education, guidance, and coaching services. We help individuals and businesses understand financial concepts and develop money management skills.

Important Notice: We are not authorised by the Financial Conduct Authority (FCA) to provide regulated financial advice. Our services constitute education and guidance only. We do not recommend specific financial products, provide tax advice, or make investment decisions on your behalf.

Website Use

Permitted Use

You may use our website for lawful purposes to learn about our services, access educational content, and contact us. You agree not to:

Use the website in any way that violates applicable laws or regulations
Attempt to gain unauthorised access to our systems or data
Transmit harmful code, viruses, or malicious software
Interfere with the proper functioning of the website
Copy, reproduce, or distribute our content without permission
Use automated systems to access the website without our consent

Intellectual Property

All content on this website, including text, graphics, logos, and design elements, is owned by Brave Haven Financial Education Ltd or our licensors. This content is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

Service Terms

Engagement Process

Our services are provided under separate service agreements. By booking a consultation or programme, you agree to the specific terms outlined in your service agreement, including fees, scheduling, and cancellation policies.

Payment Terms

Fees for services are due as specified in your service agreement
Payment can be made by bank transfer or card payment
All prices include VAT where applicable
Payment plans may be available for eligible programmes

Cancellation and Rescheduling

Sessions can be rescheduled with at least 24 hours notice at no charge
Cancellations with less than 24 hours notice may be charged as a completed session
No-shows will be counted as completed sessions
We reserve the right to cancel or reschedule sessions with reasonable notice

Refund Policy

If you are dissatisfied after your first paid session, we offer a full refund. Beyond the first session, refunds are handled on a case-by-case basis. Unused sessions in programme packages may be refunded at our discretion.

Limitations and Disclaimers

Educational Purpose

The information provided through our website and services is for educational purposes only. It should not be construed as financial, legal, or tax advice. Financial decisions should be made in consultation with appropriately qualified professionals who understand your specific circumstances.

No Guarantees

While we strive to provide high-quality education and guidance, we cannot guarantee specific financial outcomes. Your results depend on many factors including your actions, circumstances, and market conditions beyond our control.

Limitation of Liability

To the maximum extent permitted by law, Brave Haven Financial Education Ltd shall not be liable for:

Any indirect, incidental, or consequential damages
Loss of profits, revenue, or data
Financial losses resulting from decisions you make
Interruptions to our services

Our total liability for any claim shall not exceed the fees you have paid us in the twelve months preceding the claim.

Website Availability

We do not guarantee that our website will be available at all times or that it will be free from errors. We may suspend or restrict access to the website for maintenance or other reasons without notice.

Your Responsibilities

When using our services, you agree to:

Provide accurate and complete information as requested
Keep your login credentials confidential (if applicable)
Notify us promptly of any changes to your contact information
Use our guidance as one input in your decision-making, not as the sole basis
Seek professional advice for specific financial, legal, or tax matters

Confidentiality

We treat information you share during consultations as confidential. We will not disclose your personal or financial information to third parties except:

With your explicit consent
To service providers who assist our operations
When required by law or court order
To protect our legal rights or the safety of others

Third-Party Links

Our website may contain links to third-party websites for informational purposes. We do not control or endorse these external sites and are not responsible for their content or practices. Access third-party sites at your own risk.

Changes to Terms

We may modify these Terms of Use at any time. Changes will be posted on this page with an updated revision date. Continued use of our website or services after changes are posted constitutes acceptance of the modified terms.

Termination

We reserve the right to terminate or suspend your access to our website or services if you violate these terms or engage in conduct we deem inappropriate or harmful to our business or other clients.

Governing Law

These Terms of Use are governed by the laws of England and Wales. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

Contact Information

Questions about these Terms of Use should be directed to:

Brave Haven Financial Education Ltd
42 Finsbury Square
London EC2A 1PX
Email: [email protected]