Terms of Use

1. Agreement to Terms

By accessing or using the breeze-cipher website (breeze-cipher.com) and services, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our website or services.

We reserve the right to modify these terms at any time. Your continued use of the website after changes are posted constitutes acceptance of the modified terms.

2. Description of Services

breeze-cipher provides financial consultation and optimization services, including but not limited to:

• Financial audits and analysis
• Expense optimization strategies
• Debt management planning
• Financial system implementation
• Personalized financial guidance

Our services are informational and consultative in nature. We do not provide regulated financial advice, investment services, or manage client assets.

3. User Eligibility

Our services are intended for individuals who are:

• At least 18 years of age
• Legally capable of entering into binding contracts
• Residents of the United Kingdom (unless otherwise agreed)

By using our services, you represent and warrant that you meet these eligibility requirements.

4. User Responsibilities

When using our website and services, you agree to:

• Provide accurate and complete information
• Maintain the confidentiality of any account credentials
• Notify us immediately of any unauthorized access
• Use the services only for lawful purposes
• Respect intellectual property rights
• Not attempt to interfere with the proper functioning of the website

5. Intellectual Property Rights

All content on this website, including text, graphics, logos, images, and software, is the property of breeze-cipher or its content suppliers and is protected by United Kingdom and international copyright laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content without our prior written consent.

6. Service Fees and Payment

Fees for our services are clearly stated on our Services page. By engaging our services, you agree to pay the applicable fees.

Payment terms:

• Payment is typically required before service delivery
• We accept payment methods as specified during booking
• All fees are in British Pounds (GBP) unless otherwise stated
• Fees are non-refundable except as stated in our refund policy

7. Refund Policy

We offer a satisfaction guarantee. If you complete our service and genuinely feel you did not receive value, we will refund your investment if you notify us within 30 days of service completion.

Refunds are processed within 14 business days of approval to the original payment method.

8. Disclaimer of Warranties

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied.

We do not warrant that:

• The website will be uninterrupted or error-free
• Defects will be corrected
• The website is free from viruses or harmful components
• The results of using our services will meet your expectations

Important: Our services provide guidance and strategies, but we cannot guarantee specific financial outcomes. Individual results depend on many factors including your personal circumstances, commitment to implementation, and external economic conditions.

9. Limitation of Liability

To the fullest extent permitted by law, breeze-cipher shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly.

Our total liability to you for any claims arising from or related to our services shall not exceed the amount you paid for the specific service giving rise to the claim.

10. Not Financial Advice

The information and services provided by breeze-cipher are for educational and consultative purposes only. They do not constitute regulated financial advice, investment advice, or recommendations to buy or sell any financial instruments.

We are not authorized or regulated by the Financial Conduct Authority (FCA). For regulated financial advice, please consult a qualified financial advisor.

You acknowledge that any decisions you make based on our services are your sole responsibility.

11. Privacy and Data Protection

Your use of our website and services is also governed by our Privacy Policy and GDPR compliance statement. Please review these documents to understand how we collect, use, and protect your personal information.

12. 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. Your use of third-party websites is at your own risk and subject to their terms and conditions.

13. Termination

We reserve the right to terminate or suspend your access to our website and services at our sole discretion, without notice, for conduct that we believe:

• Violates these Terms of Use
• Is harmful to other users or our business
• Violates applicable laws or regulations

14. Indemnification

You agree to indemnify, defend, and hold harmless breeze-cipher, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising from:

• Your use of our website or services
• Your violation of these Terms of Use
• Your violation of any rights of another party

15. Governing Law and Jurisdiction

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

Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

16. Severability

If any provision of these Terms of Use is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

17. Entire Agreement

These Terms of Use, together with our Privacy Policy and any other legal notices published on this website, constitute the entire agreement between you and breeze-cipher regarding your use of the website and services.

18. Contact Information

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

Email: [email protected]
Address: 42 Kingsway Boulevard, Manchester, M20 4TH, United Kingdom