Terms of Use

Last updated: January 2024

These Terms of Use ("Terms") govern your access to and use of the QuidbridgeTechAI 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, you should not use our website or services.

Definitions

In these Terms:

"We," "us," "our" refers to QuidbridgeTechAI
"You," "your" refers to the individual accessing our website or using our services
"Services" refers to the financial education services we provide
"Website" refers to quidbridgetechai.pro and all associated pages
"Content" refers to all text, graphics, images, and other material on our website

Nature of Our Services

QuidbridgeTechAI provides financial education services. It is important that you understand the following:

We provide general financial education and information, not regulated financial advice
We are not authorised or regulated by the Financial Conduct Authority
We do not sell, recommend, or arrange financial products
We do not provide personalised recommendations on specific investments, insurance policies, or other financial products
Our services are educational in nature and designed to help you understand financial concepts

Any decisions you make based on information obtained through our services are your own responsibility. If you require regulated financial advice, you should consult a qualified financial adviser authorised by the Financial Conduct Authority.

Eligibility

Our services are intended for individuals who are at least 18 years of age and resident in the United Kingdom. By using our website or services, you represent that you meet these eligibility requirements.

Use of Website

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
Attempt to gain unauthorised access to any part of the website or its systems
Interfere with or disrupt the operation of the website
Transmit viruses, malware, or other harmful code
Collect or harvest information about other users
Use automated systems or software to extract data from the website (scraping)
Reproduce, duplicate, copy, sell, or exploit any portion of the website without our written consent
Impersonate any person or entity or misrepresent your affiliation with any person or entity

Intellectual Property

All content on our website, including but not limited to text, graphics, logos, images, and software, is the property of QuidbridgeTechAI or its content suppliers and is protected by United Kingdom and international copyright laws.

You are granted a limited, non-exclusive, non-transferable licence to access and use the website for personal, non-commercial purposes. This licence does not include:

The right to modify or copy any content
The right to use any content for commercial purposes
The right to remove any copyright or proprietary notices
The right to transfer the content to another person or mirror it on another server

Booking and Payment

When you book a service with us:

All prices are displayed in British Pounds Sterling and include VAT where applicable
Payment is due at the time of booking unless otherwise agreed in writing
We accept payment by bank transfer, debit card, and credit card
For services over £200, we may offer the option to split payment into instalments

Cancellation and Refunds

Our cancellation policy is as follows:

More than 7 days before: Full refund available
3-7 days before: 50% refund or rescheduling at no additional cost
Less than 3 days before: No refund, but rescheduling may be possible subject to availability and a £25 administration fee
No-show: No refund will be provided

To cancel or reschedule, please contact us by email as soon as possible. We reserve the right to cancel or reschedule sessions due to unforeseen circumstances, in which case you will be offered a full refund or alternative date.

Limitation of Liability

To the fullest extent permitted by law:

Our website and services are provided "as is" without warranties of any kind, either express or implied
We do not warrant that the website will be uninterrupted, secure, or error-free
We are not responsible for any financial decisions you make based on information obtained through our services
We shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services
Our total liability to you for any claims arising from these Terms or your use of our services shall not exceed the amount you paid for the relevant service

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

Indemnification

You agree to indemnify, defend, and hold harmless QuidbridgeTechAI and its directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising from:

Your use of our website or services
Your breach of these Terms
Your violation of any rights of a third party
Any content you submit or transmit through our website

Third-Party Links

Our website may contain links to third-party websites that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that we are not responsible for any damage or loss caused by your use of any such websites.

Privacy

Your use of our website and services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website or services after any modifications indicates your acceptance of the updated Terms. We encourage you to review these Terms periodically.

Modifications to Services

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

Severability

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

Entire Agreement

These Terms, together with our Privacy Policy and any additional terms applicable to specific services, constitute the entire agreement between you and QuidbridgeTechAI regarding your use of our website and services. These Terms supersede any prior agreements or communications.

Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with 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.

Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by us.

Contact Information

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

QuidbridgeTechAI
47 Chancery Lane
London, WC2A 1PL
United Kingdom
Email: [email protected]