Terms of Use

Agreement to Terms

These Terms of Use constitute a legally binding agreement between you and QuidbridgeTechAI concerning your access to and use of our website and services. By accessing or using our website, you acknowledge that you have read, understood, and agree to be bound by these terms.

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

Definitions

Throughout these terms, the following definitions apply:

• "We," "us," "our" refers to QuidbridgeTechAI, a business located at 42 Kingsway, Holborn, London WC2B 6EX, United Kingdom.
• "You," "your" refers to the individual accessing or using our website or services.
• "Website" refers to quidbridgetechai.net and all associated pages, content, and functionality.
• "Services" refers to the financial education, advisory services, and consultations we provide.
• "Content" refers to all information, text, graphics, and materials available on our website.

Acceptable Use

You may use our website and services only for lawful purposes and in accordance with these terms. You agree not to:

• Use our website in any way that violates applicable local, national, or international law or regulation
• Transmit or procure the sending of any advertising or promotional material without our express prior consent
• Impersonate or attempt to impersonate us, our employees, another user, or any other person or entity
• Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the website
• Use any robot, spider, or other automatic device or manual process to monitor or copy our website content without permission
• Introduce any viruses, trojans, worms, or other malicious or technologically harmful material
• Attempt to gain unauthorised access to any portion of the website, related systems, or networks
• Use our website in any manner that could disable, overburden, damage, or impair our servers or networks

Intellectual Property Rights

The website and all its content, features, and functionality are owned by QuidbridgeTechAI and are protected by copyright, trademark, and other intellectual property laws of the United Kingdom and international conventions.

Our trademarks, service marks, and logos used and displayed on the website are our registered and unregistered marks. Nothing on the website should be construed as granting any licence or right to use any trademark without our express written permission.

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

• Reproduce, distribute, modify, create derivative works from, or publicly display any content without our permission
• Remove or alter any copyright, trademark, or other proprietary notices
• Use any content for commercial purposes without obtaining a licence to do so
• Transfer the content to another person or mirror it on any other server

User Contributions and Conduct

While our website does not currently feature user-generated content areas, should you provide any feedback, suggestions, or communications to us, you grant us a non-exclusive, royalty-free, perpetual, and worldwide licence to use, modify, and incorporate such feedback into our services without compensation or attribution to you.

Services and Professional Relationship

Our services provide financial education, guidance, and strategies to help you manage your finances more effectively. However, you should understand:

Not Financial Advice

The information and guidance we provide is educational in nature. While we offer personalised strategies based on your situation, we do not provide regulated financial advice as defined by the Financial Conduct Authority. We do not manage investments on your behalf or recommend specific financial products for purchase.

Your Responsibility

You are ultimately responsible for your own financial decisions. While we provide guidance and recommendations, you should carefully consider whether any strategy is appropriate for your circumstances. We encourage you to consult with regulated financial advisors, accountants, or legal professionals when making significant financial decisions.

No Guarantees

We cannot guarantee specific financial outcomes or results from implementing our strategies. Individual results vary based on numerous factors including personal circumstances, discipline in implementation, market conditions, and external factors beyond anyone's control.

Payment Terms

If you purchase services from us, you agree to provide accurate payment information and authorise us to charge the agreed fees to your chosen payment method. All fees are stated in British Pounds Sterling and are inclusive of VAT where applicable.

Payment is typically required in advance of service delivery unless alternative arrangements have been agreed in writing. We reserve the right to modify our pricing, but changes will not affect services already purchased.

Refunds

We strive for client satisfaction and will work to address any concerns you have about our services. Our refund policy is as follows:

• Full refund available if you cancel within 14 days of purchase before service delivery begins
• After service delivery has commenced, refunds are considered on a case-by-case basis
• No refunds are available for completed services unless we have failed to deliver the service as described

Website Availability and Changes

We aim to ensure our website is available at all times, but we cannot guarantee continuous, uninterrupted access. The website may be unavailable during periods of maintenance, upgrades, or due to circumstances beyond our control.

We reserve the right to:

• Modify, suspend, or discontinue any aspect of the website at any time
• Change the services we offer without prior notice
• Update these terms to reflect changes in our practices or legal requirements

We will make reasonable efforts to notify you of significant changes, but continued use of the website after changes have been made constitutes acceptance of those changes.

Third-Party Links and Services

Our website may contain links to third-party websites or services 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 or services.

You acknowledge and agree that we are not responsible or liable for any damage or loss caused by your use of any third-party website or service. We recommend reviewing the terms and privacy policies of any third-party sites you visit.

Disclaimers and Limitations of Liability

Website Content

The information on our website is provided for general informational purposes. While we strive for accuracy, we make no representations or warranties of any kind about the completeness, accuracy, reliability, or availability of the website or its content.

Any reliance you place on website content is strictly at your own risk. We disclaim all liability for errors or omissions in the content.

Limitation of Liability

To the fullest extent permitted by law, QuidbridgeTechAI, its directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of our website or services.

Our total liability to you for any claims arising from your use of our services shall not exceed the amount you paid for those services.

Exclusions

Some jurisdictions do not allow certain limitations of liability. In such cases, our liability will be limited to the maximum extent permitted by law. 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 by law.

Indemnification

You agree to indemnify, defend, and hold harmless QuidbridgeTechAI and our officers, directors, employees, contractors, agents, and licensors from any claims, liabilities, damages, losses, and expenses arising from:

• Your violation of these terms
• Your violation of any third-party rights, including intellectual property rights
• Your use of the website or services
• Any misrepresentation made by you

Privacy and Data Protection

Our collection and use of personal information is governed by our Privacy Policy and GDPR compliance statement. By using our website, you consent to such processing and warrant that all data provided by you is accurate.

Termination

We may terminate or suspend your access to our website immediately, without prior notice or liability, for any reason, including if you breach these terms.

Upon termination, your right to use the website ceases immediately. All provisions of these terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

Governing Law and Jurisdiction

These terms are 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 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 unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary while the remaining provisions remain in full force and effect.

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 shall be effective only if in writing and signed by us.

Entire Agreement

These terms, together with our Privacy Policy and any other legal notices published on this website, constitute the entire agreement between you and QuidbridgeTechAI concerning your use of the website and services.

Updates to These Terms

We reserve the right to modify these terms at any time. When we make changes, we will update the date at the top of this page. For significant changes, we may provide additional notice such as a prominent announcement on our website.

Your continued use of the website following the posting of revised terms constitutes your acceptance of the changes. We encourage you to review these terms periodically.

Contact Information

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

QuidbridgeTechAI
42 Kingsway
Holborn
London WC2B 6EX
United Kingdom

Email: [email protected]

Acknowledgment

By using our website or services, you acknowledge that you have read these Terms of Use and agree to be bound by them. If you do not agree to these terms, you must not use our website or services.