General

This website (the “Site”) is owned and operated by Financially Savvy L.L.C d/b/a “www.financiallysavvy.co” (“Financially Savvy L.L.C”, “we”, “us”, or “our”).

By using the Site, you agree to be bound by these Terms of Service and to use the Site in accordance with these Terms of Service, our Privacy Policy and any additional terms and conditions that may apply to specific sections of the Site or to products and services available through the Site or from Financially Savvy L.L.C. Accessing the Site, in any manner, whether automated or otherwise, constitutes use of the Site and your agreement to be bound by these Terms of Service.

If you are a consumer resident in the United Kingdom, nothing in these Terms affects your statutory rights under applicable law, including the Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

We reserve the right to change these Terms of Service or to impose new conditions on use of the Site from time to time, in which case we will post the revised Terms of Service on this website. By continuing to use the Site after we post any such changes, you accept the Terms of Service as modified.

Our Limited License to You

This Site and all the materials available on the Site are the property of Financially Savvy L.L.C and/or our affiliates or licensors and are protected by copyright, trademark and other intellectual property laws.

The Site is provided solely for your personal non-commercial use. You may not use the Site or the materials available on the Site in a manner that constitutes an infringement of our rights or that has not been authorised by us.

Unless explicitly authorised in these Terms of Service or by the owner of the materials, you may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works from, exploit, or distribute any material from the Site in any manner or medium (including by email or other electronic means).

You may download and/or print one copy of individual pages of the Site for your personal, non-commercial use, provided that you keep intact all copyright and other proprietary notices.

Your License to Us

By posting or submitting any material (including comments, blog entries, social media postings, photos or videos) to us via the Site, internet groups, social media platforms, email, text message or otherwise, you represent that:

(i) you are the owner of the material or have permission from the owner to submit it; and
(ii) you are at least 18 years old.

When you submit or post material, you grant Financially Savvy L.L.C a royalty-free, perpetual, irrevocable, non-exclusive, worldwide licence to use, copy, modify, publish, transmit, distribute, display and create derivative works from such material in any format or medium now known or later developed for the purpose of operating and promoting our services and business.

You also grant us the right to identify you as the author of your submission by name, email address or screen name where appropriate.

Financially Savvy L.L.C has the right but not the obligation to use or display any contributions submitted by users and may remove such material at any time for any reason.

Limitations on Linking and Framing

You may establish a hypertext link to the Site so long as the link does not state or imply sponsorship of your site by us. However, you may not frame or inline link any of the content of the Site, or incorporate any of our content into another website or service, without our prior written permission.

Disclaimers

Throughout the Site we may provide links to third-party websites. These links are provided for convenience only. Financially Savvy L.L.C does not endorse and is not responsible for the content, accuracy, or reliability of any third-party websites.

The information, products and services offered on or through the Site are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied.

We do not warrant that the Site will be uninterrupted or error-free, that defects will be corrected, or that the Site or the servers that make it available are free of viruses or other harmful components.

Limitation of Liability

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud, or any other liability which cannot be excluded under the laws of England and Wales.

Subject to the above, Financially Savvy L.L.C shall not be liable for any indirect, incidental, special or consequential damages arising from the use of the Site or any products or services provided through it.

Our total liability in connection with any claim arising out of or relating to the Site or our services shall not exceed the total amount paid by you for the relevant product or service.

Educational Purposes Only

Financially Savvy L.L.C is not an investment advisory service and does not act as a financial adviser.

All materials, programs and information provided are for educational and informational purposes only.

Nothing contained on the Site or in our products or services should be considered financial, tax, legal, accounting or investment advice. You are responsible for consulting appropriate professional advisers before making financial decisions.

You acknowledge that no representation has been made regarding any future income, financial outcome or profitability that may result from participation in our programs.

Distance Sales and Cancellation Rights

If you are purchasing as a consumer within the United Kingdom, you may have a legal right to cancel certain contracts within 14 days under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

Where applicable, the cancellation period will expire 14 days after the contract is entered into.

If you expressly request that we begin providing services during the 14-day cancellation period, you acknowledge and agree that if you cancel within that period you must pay for any services already supplied up to the time you inform us of cancellation.

If the services are fully performed within the 14-day cancellation period following your express request to begin immediately, you acknowledge that you will lose your right to cancel once the services have been fully performed.

Online Commerce

Certain sections of the Site may allow you to purchase products or services. You agree to be financially responsible for all purchases made by you or on your behalf.

Purchases are for personal use only. Sharing purchased materials is prohibited and may constitute copyright infringement.

If payment for a course or program is declined, access to premium materials may be suspended until the payment issue is resolved.

Interactive Features

The Site may include features such as forums, communities, comments or messaging.

You agree not to:

• impersonate another person
• post unlawful or abusive content
• distribute viruses or harmful code
• infringe the intellectual property rights of others
• use the Site for unauthorised commercial solicitation

Financially Savvy L.L.C reserves the right to remove content or terminate access to community features at any time.

Registration

Certain features of the Site may require registration. You agree to provide accurate and complete information when creating an account.

If we believe information provided is false or incomplete, we reserve the right to suspend or terminate access.

Passwords

You are responsible for maintaining the confidentiality of your account and password and for all activities that occur under your account.

You agree to notify us immediately of any unauthorised use of your account.

Termination

We may terminate or suspend access to the Site or any services at any time if we believe these Terms have been violated.

Any provisions that by their nature should survive termination will remain in effect.

Refund Policy

Your purchase of a product, program, event or service may be subject to specific refund or cancellation terms stated at the time of purchase.

Nothing in this section affects your statutory rights under applicable law.

Intellectual Property Complaints

If you believe that any content on the Site infringes your intellectual property rights, please contact us at:

[email protected]

with sufficient information to allow us to investigate the claim.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of England and Wales.

Any dispute arising in connection with these Terms shall be subject to the jurisdiction of the courts of England and Wales.

If any provision of these Terms is found to be unlawful or unenforceable, that provision shall be severed and the remainder shall remain in full force and effect.

Updates

These Terms may be updated from time to time. Updated versions will be posted on this page.

Contact

If you have any questions regarding these Terms, please contact:

[email protected]