Terms of Use

Agreement to Terms

These Terms of Use constitute a legally binding agreement between you and Beryl Glow ("Company," "we," "us," or "our") concerning your access to and use of the beryl-glow.com website and our financial education and consultation services.

By accessing or using our website or services, you agree to be bound by these Terms of Use. If you disagree with any part of these terms, you may not access our website or use our services.

Services Description

Beryl Glow provides financial education and consultation services. Our services include:

• Budget planning workshops
• Savings strategy development
• Debt reduction planning
• Investment education
• Comprehensive financial health reviews

Important Disclaimers

Educational Purpose: Our services are educational in nature. We do not provide regulated financial advice, tax advice, or investment recommendations. We do not sell financial products or receive commissions from financial product providers.

Not Professional Advice: Information provided through our website and services should not be considered a substitute for advice from qualified financial advisors, accountants, or legal professionals.

Individual Responsibility: You are responsible for making your own financial decisions. We encourage you to seek appropriate professional advice for significant financial matters.

User Responsibilities

When using our website and services, you agree to:

• Provide accurate, current, and complete information
• Maintain the confidentiality of any account information
• Not use the website for any unlawful purpose
• Not attempt to gain unauthorised access to any portion of the website
• Not interfere with the proper functioning of the website
• Not transmit any viruses, malware, or other harmful code

Booking and Payment

Booking Process

Consultations are booked through our website or by contacting us directly. By booking a consultation, you agree to:

• Provide accurate contact information
• Attend at the scheduled time or provide reasonable notice of cancellation
• Pay the agreed fee for services rendered

Cancellation Policy

We request at least 24 hours' notice for cancellations or rescheduling. Cancellations with less than 24 hours' notice may be subject to a cancellation fee of up to 50% of the consultation price.

Refund Policy

If you are not satisfied with a consultation, please contact us within 7 days. We will review your concerns and may offer a partial or full refund at our discretion.

Intellectual Property

The website and its entire contents, features, and functionality (including but not limited to all information, text, displays, images, graphics, and the design, selection, and arrangement thereof) are owned by Beryl Glow, its licensors, or other providers of such material.

You may not:

• Modify, copy, distribute, or create derivative works based on our content
• Use any data mining, robots, or similar data gathering methods
• Download any content unless expressly permitted
• Use our trademarks or service marks without written permission

Limitation of Liability

To the fullest extent permitted by law, Beryl Glow shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, data, or other intangible losses
• Damages resulting from your use or inability to use our services
• Damages resulting from any financial decisions you make based on our educational content
• Damages resulting from unauthorised access to or alteration of your transmissions or data

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

Indemnification

You agree to defend, indemnify, and hold harmless Beryl Glow and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with your access to or use of the website or services, or your violation of these Terms of Use.

Privacy

Your use of our website and services is also governed by our Privacy Policy, which is incorporated into these Terms of Use by reference. Please review our Privacy Policy to understand our practices.

Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the content, accuracy, or practices of these third-party sites. Inclusion of any link does not imply endorsement by Beryl Glow.

Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of Scotland and the United Kingdom, without regard to conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts of Scotland.

Changes to Terms

We reserve the right to modify these Terms of Use at any time. We will notify users of any material changes by posting the new Terms of Use on this page and updating the "Last updated" date. Your continued use of the website following the posting of revised Terms of Use means you accept and agree to the changes.

Severability

If any provision of these Terms of Use is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

Entire Agreement

These Terms of Use, together with our Privacy Policy and Cookies Policy, constitute the entire agreement between you and Beryl Glow regarding your use of our website and services.

Contact Information

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

Beryl Glow
47 George Street
Edinburgh EH2 2HT
Email: [email protected]