Terms of Use

Acceptance of Terms

By accessing and using the sheen-flare website and services, you accept and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, please do not use our website or services.

Description of Services

sheen-flare provides financial education services, including workshops, consultations, and educational programmes designed to improve financial literacy. Our services are educational in nature and do not constitute financial advice.

Educational Nature of Services

All information, materials, and services provided by sheen-flare are for educational purposes only. They should not be construed as:

• Financial advice tailored to your specific circumstances
• Investment recommendations
• Tax advice
• Legal advice
• Guaranteed financial outcomes or results

You should always consult with qualified financial, legal, and tax professionals before making significant financial decisions.

No Guarantees

We do not guarantee specific financial outcomes or results from our educational programmes. Individual results will vary based on personal circumstances, market conditions, implementation of strategies, and numerous other factors beyond our control.

User Responsibilities

As a user of our website and services, you agree to:

• Provide accurate and complete information when requested
• Maintain the confidentiality of any account credentials
• Use our services only for lawful purposes
• Not reproduce, duplicate, or copy any content without permission
• Not use our services in any way that could damage or impair our website

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of sheen-flare and protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes. This license does not include any right to:

• Resell or make commercial use of our content
• Collect or use product listings or descriptions
• Make derivative use of our website or content
• Download or copy account information

Service Availability

We strive to ensure our website is available at all times, but we do not guarantee uninterrupted access. We reserve the right to suspend or withdraw access to our website or services for maintenance, updates, or other reasons without prior notice.

Payment and Fees

Fees for our services are as listed on our website and are subject to change. Payment is required before service delivery unless otherwise agreed in writing. All fees are non-refundable unless otherwise stated or required by law.

Cancellation and Refunds

If you need to cancel a scheduled service, please provide at least 48 hours notice. Cancellations made with less notice may not be eligible for rescheduling or refund. Specific refund policies will be communicated when you register for a service.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of these external sites. Access to third-party sites is at your own risk.

Limitation of Liability

To the fullest extent permitted by law, sheen-flare shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or inability to use our website or services
• Any financial decisions made based on educational content provided
• Errors or omissions in our content
• Unauthorized access to your data
• Any other matter relating to our services

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

Indemnification

You agree to indemnify and hold harmless sheen-flare, its officers, employees, and agents from any claims, damages, losses, liabilities, and expenses arising from your use of our services or violation of these Terms of Use.

Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding:

• The accuracy or completeness of content
• The suitability of educational materials for your specific needs
• Uninterrupted or error-free operation
• The correction of defects

Privacy

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

Modification of Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to this page. Your continued use of our website or services after changes are posted constitutes acceptance of the modified terms.

Governing Law

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 use of our services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

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.

Entire Agreement

These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and sheen-flare regarding use of our website and services.

Contact Information

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

sheen-flare
42 Kensington High Street
London, W8 4PF
United Kingdom
Email: [email protected]