1. Agreement to Terms
These Terms of Service ("Terms") constitute a legally binding agreement between you ("Client," "you," or "your") and RetsamTegdub Pro ("Company," "we," "our," or "us") regarding your use of our website and financial planning services.
By accessing our website, booking a consultation, or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.
2. Description of Services
RetsamTegdub Pro provides professional household budget planning and financial consulting services, including:
- Personal financial assessments and analysis
- Custom budget planning and optimization
- Debt management strategies
- Savings and investment guidance
- Financial education and ongoing support
- Emergency fund planning
Important Notice
We provide financial planning advice but are not authorized to sell financial products or manage investments. We may recommend products or services from third-party providers, but the final decision and responsibility rest with you.
3. Eligibility and Registration
To use our services, you must:
- Be at least 18 years of age
- Have legal capacity to enter into binding agreements
- Provide accurate and complete information
- Be a UK resident or have UK financial obligations
You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.
4. Service Fees and Payment Terms
Free Consultation
We offer a complimentary initial consultation (up to 60 minutes) to assess your financial situation and discuss potential services.
Paid Services
Basic Budget Plan
£150 - £300
One-time comprehensive budget creation
Complete Financial Planning
£500 - £1,200
Comprehensive planning with ongoing support
Payment Terms
- Payment is due within 14 days of invoice date
- We accept bank transfers, credit/debit cards, and PayPal
- Late payment may result in service suspension
- All fees are exclusive of VAT where applicable
5. Client Responsibilities
As a client, you agree to:
Information Accuracy
- Provide complete, accurate, and truthful financial information
- Update us promptly of any material changes to your financial situation
- Maintain confidentiality of your login credentials
Active Participation
- Attend scheduled consultations and meetings
- Implement agreed-upon strategies and recommendations
- Communicate regularly about your progress and challenges
- Ask questions when you don't understand recommendations
Compliance
- Use our services only for lawful purposes
- Respect our intellectual property rights
- Not share your account access with unauthorized parties
6. Professional Standards and Limitations
Professional Conduct
Our advisors adhere to professional standards and ethical guidelines. We maintain appropriate professional qualifications and continuing education.
Service Limitations
What We Don't Do
- Provide legal advice (consult a solicitor for legal matters)
- Guarantee specific financial outcomes
- Manage your investments directly
- Provide tax preparation services
- Act as your financial power of attorney
No Guarantees
While we strive to provide excellent service and sound advice, we cannot guarantee:
- Specific financial results or outcomes
- That following our advice will achieve your financial goals
- Protection against market volatility or economic changes
- That our recommendations will be suitable for all circumstances
7. Confidentiality and Data Protection
We are committed to protecting your confidential information:
Confidentiality Commitment
- All client information is treated as strictly confidential
- We will not disclose your information without your consent
- Staff are bound by confidentiality agreements
- We use secure systems to store and transmit data
Exceptions
We may disclose information when:
- Required by law or court order
- Necessary to prevent fraud or illegal activity
- You have given explicit written consent
- Required by regulatory authorities
8. Cancellation and Refund Policy
Cancellation by Client
- Consultations: Cancel at least 24 hours in advance for full refund
- Ongoing Services: 30 days written notice required
- Completed Work: No refund for delivered services
Cancellation by Company
We may terminate services if:
- You breach these Terms
- You provide false or misleading information
- Payment is consistently late or non-payment occurs
- We determine we cannot adequately serve your needs
Refund Policy
- Consultation fees: Full refund if cancelled 24+ hours in advance
- Service fees: Pro-rated refund for unused services
- Completed deliverables: No refund once work is delivered and accepted
- Processing time: Refunds processed within 5-10 business days
9. Liability and Risk Disclaimer
Limitation of Liability
To the maximum extent permitted by law, RetsamTegdub Pro's total liability shall not exceed the amount paid by you for our services in the 12 months preceding the claim.
Risk Acknowledgment
Financial Risk Disclaimer
All financial decisions carry inherent risks. Past performance does not guarantee future results. You acknowledge that following our advice may result in financial loss, and you assume full responsibility for your financial decisions.
Excluded Damages
We are not liable for:
- Indirect, consequential, or punitive damages
- Loss of profits or business opportunities
- Emotional distress or personal injury
- Damages resulting from third-party actions
10. Intellectual Property
All content, materials, and intellectual property provided by RetsamTegdub Pro remain our exclusive property:
Our Rights
- Proprietary methodologies and processes
- Budget templates and planning tools
- Educational materials and content
- Website content and design
Your Rights
- Use materials for personal financial planning
- Reference our advice in your financial decisions
- Share general concepts with family members
Restrictions
You may not:
- Reproduce or distribute our materials commercially
- Use our content to provide services to others
- Remove copyright or proprietary notices
- Reverse engineer our methodologies
11. Dispute Resolution
Informal Resolution
We encourage resolving disputes through direct communication. Please contact us at info@domain.com to discuss any concerns.
Formal Complaints Process
- Submit written complaint within 30 days of the issue
- We will acknowledge receipt within 5 business days
- Investigation and response within 20 business days
- If unsatisfied, you may escalate to relevant ombudsman
Governing Law
These Terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the English courts.
12. Website Terms and Acceptable Use
Acceptable Use
When using our website, you agree not to:
- Use the site for illegal or unauthorized purposes
- Interfere with site security or functionality
- Upload malicious code or spam
- Harvest user information or data
- Impersonate others or provide false information
Website Availability
While we strive for continuous availability, we do not guarantee uninterrupted access to our website. We may suspend access for maintenance or technical issues.
13. Changes to Terms
We may update these Terms from time to time. Changes will be effective when posted on our website with an updated "Last Updated" date.
Notification Process
- Minor changes: Posted on website only
- Material changes: Email notification to active clients
- Significant changes: 30 days advance notice
Continued use of our services after changes constitutes acceptance of the new Terms.
14. Severability and Entire Agreement
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and RetsamTegdub Pro regarding our services.
15. Contact Information
For questions about these Terms or our services, please contact us:
Ready to Get Started?
By booking a consultation or using our services, you acknowledge that you have read, understood, and agree to these Terms of Service. We look forward to helping you achieve your financial goals!