Effective Date: November 20, 2024

Welcome to Your Financial Independence. By accessing and using our website and services, you agree to comply with and be bound by the following Terms and Conditions. Please read them carefully before using our website.

1. Acceptance of Terms

By using the website www.your-financial-independence.co.uk  (the "Site") and any of the services provided by Your Financial Independence (the "Company", "we", "our", "us"), you agree to these Terms and Conditions. If you do not agree with these terms, please do not use the Site.

2. Services Provided

Your Financial Independence offers a range of services, including financial coaching, investment strategies, and other services aimed at helping individuals achieve financial independence. By engaging with our services, you agree to abide by these Terms and Conditions and any specific agreements related to particular services.

3. Use of the Website

You agree to use the Site and its content in a lawful manner and not to engage in any illegal activity, including but not limited to:

• Violating any applicable laws or regulations.
• Impersonating another person or entity.
• Attempting to access any part of the Site or its systems that you are not authorized to access.
• Interfering with the operation of the Site or transmitting any harmful content, including malware.

4. Account Registration and Security

Certain services on the Site may require you to create an account. When registering, you agree to provide accurate, complete, and current information. You are responsible for maintaining the confidentiality of your account and password and for all activities under your account.

You agree to notify us immediately of any unauthorized use of your account or any breach of security.

5. Pricing and Payment

Prices for our services are listed on the Site and may be subject to change. Payment for services is due as specified on the website or during checkout. All payments are processed securely, and we accept various forms of payment, including credit cards and other online payment systems.

You agree to pay all fees associated with the services you purchase and authorize us to charge your account accordingly. If you do not make payments in a timely manner, we reserve the right to suspend or terminate your access to the services.

6. Refund Policy

As Your Financial Independence offers customized coaching services tailored to your individual needs, we do not offer refunds once the coaching or training program has started. This is in accordance with UK law, which allows businesses to refuse refunds for services that have already been provided or are personalized.

However, we do offer a 14-day refund policy on books and merchandise purchased through our website. If you are not satisfied with your purchase of books or merchandise, you may request a refund within 14 days of receiving the item(s). To be eligible for a refund, the item must be in its original condition and packaging.

If you have any concerns or questions regarding your purchase, please contact us at [Insert contact email] within the specified time frame, and we will be happy to assist you.

7. Intellectual Property

All content on the Site, including text, images, logos, videos, graphics, and software, is the intellectual property of Your Financial Independence or its licensors and is protected by intellectual property laws. You are granted a limited, non-transferable license to access and use the Site for personal and non-commercial purposes only.

You may not modify, reproduce, distribute, or otherwise exploit the content of the Site without prior written consent from Your Financial Independence.

8. Privacy and Data Protection

Your use of our Site and services is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using the Site, you consent to the practices outlined in the Privacy Policy.

9. Limitation of Liability

To the maximum extent permitted by law, Your Financial Independence and its affiliates, directors, employees, or agents shall not be held liable for any indirect, incidental, special, consequential, or punitive damages arising from your use or inability to use the Site or services. This includes, but is not limited to, damages for loss of profits, data, or other intangible losses.

We do not guarantee that the Site will be error-free, uninterrupted, or free of harmful components (such as viruses or malware).

10. Indemnification

You agree to indemnify, defend, and hold harmless Your Financial Independence, its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, and expenses (including legal fees) arising out of your use of the Site, violation of these Terms and Conditions, or infringement of any intellectual property rights.

11. Third-Party Links and Services

Our website may contain links to third-party websites, services, or products. We do not control and are not responsible for the content, privacy policies, or practices of these third-party sites. We encourage you to review the terms and conditions and privacy policies of any third-party sites you visit.

12. Modifications to the Terms

We reserve the right to update or modify these Terms and Conditions at any time. Any changes will be posted on this page with an updated effective date. We recommend that you review these Terms periodically to stay informed of any changes. By continuing to use the Site after any modifications are posted, you agree to be bound by the updated terms.

13. Governing Law and Jurisdiction

These Terms and Conditions are governed by and construed in accordance with the laws of the United Kingdom. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of the United Kingdom.

14. Termination

We reserve the right to suspend or terminate your access to the Site and services at our sole discretion, without notice, for any reason, including but not limited to violations of these Terms and Conditions.

15. Contact Us

If you have any questions about these Terms and Conditions or need to contact us for any reason, please do so.

By accessing and using our Site and services, you confirm that you have read, understood, and agreed to these Terms and Conditions.