Terms of Service

1. Acceptance of Terms

Welcome to Gilded Destination. These Terms of Service ("Terms") govern your use of our website gilded-destination.com and our family budget management services. By accessing our website 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 website or services.

2. Description of Services

Gilded Destination provides family budget management services including:

• Personal and family budget planning
• Debt management consulting
• Savings strategy development
• Financial education and guidance
• Online resources and tools
• Newsletter and educational content

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time.

3. Eligibility and Registration

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding agreements
• Provide accurate and complete information
• Reside in the United Kingdom

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

4. Professional Relationship and Disclaimers

4.1 Nature of Services

Our services are educational and consultative in nature. We provide budget management guidance and financial education, but we do not:

• Provide investment advice or recommendations
• Act as financial advisors regulated by the FCA
• Guarantee specific financial outcomes
• Manage your money or make financial decisions for you

4.2 No Financial Advice

The information and guidance we provide should not be considered as regulated financial advice. For investment advice or complex financial planning, you should consult with a qualified, FCA-regulated financial advisor.

4.3 Client Responsibility

You are solely responsible for:

• All financial decisions and their consequences
• Implementing any budgeting strategies we discuss
• Verifying the accuracy of financial information you provide
• Seeking appropriate professional advice when needed

5. Payment Terms

5.1 Fees and Billing

Our service fees will be clearly communicated before any engagement. Payment terms include:

• Consultation fees are due at the time of service
• Monthly services require payment in advance
• All fees are inclusive of VAT where applicable
• Late payment may result in service suspension

5.2 Refund Policy

Refunds may be available under the following circumstances:

• Service cancellation within 14 days of initial consultation
• Failure to deliver promised services
• Mutual agreement to terminate services

Refund requests must be submitted in writing and will be processed within 14 business days.

6. Intellectual Property Rights

All content on our website and in our services, including text, graphics, logos, and software, is protected by intellectual property laws and remains the property of Gilded Destination or our licensors.

You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or branding
• Reverse engineer any software we provide
• Create derivative works based on our content

7. Confidentiality

We understand the sensitive nature of financial information and commit to:

• Keeping all client information strictly confidential
• Not sharing your information without your consent
• Implementing appropriate security measures
• Only using your information for the purpose of providing our services

This confidentiality obligation survives the termination of our services.

8. Prohibited Uses

You agree not to use our website or services to:

• Violate any applicable laws or regulations
• Impersonate any person or entity
• Transmit malware or harmful code
• Attempt to gain unauthorized access to our systems
• Interfere with other users' use of our services
• Provide false or misleading financial information
• Use our services for any fraudulent purposes

9. Limitation of Liability

To the fullest extent permitted by UK law:

• Our total liability shall not exceed the amount you paid for our services in the 12 months preceding the claim
• We are not liable for indirect, consequential, or punitive damages
• We do not guarantee specific financial outcomes or results
• You acknowledge that financial decisions carry inherent risks

Nothing in these Terms excludes or limits our liability for death or personal injury caused by negligence, fraud, or other liabilities that cannot be excluded under UK law.

10. Indemnification

You agree to indemnify and hold harmless Gilded Destination from any claims, damages, or expenses arising from:

• Your use of our services
• Your violation of these Terms
• Your financial decisions and their consequences
• Any false information you provide

11. Termination

11.1 Termination by You

You may terminate our services at any time by providing 30 days written notice. You remain responsible for any fees incurred before termination.

11.2 Termination by Us

We may terminate your access to our services immediately if you:

• Breach these Terms
• Fail to pay required fees
• Engage in prohibited activities
• Provide false or misleading information

11.3 Effect of Termination

Upon termination:

• Your access to our services will cease
• Outstanding fees become immediately due
• Confidentiality obligations remain in effect
• We will securely dispose of your data as per our Privacy Policy

12. Privacy

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

13. Governing Law and Jurisdiction

These Terms are governed by the laws of England and Wales. Any disputes arising from these Terms or our services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

14. Dispute Resolution

Before initiating any legal proceedings, we encourage you to contact us directly to resolve any disputes. We are committed to working with you to find a fair and reasonable solution.

If you are a consumer, you may also be entitled to use alternative dispute resolution services or make a complaint to relevant regulatory bodies.

15. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by:

• Posting updated Terms on our website
• Updating the "Last updated" date
• Sending email notification for significant changes

Your continued use of our services after changes constitute acceptance of the updated Terms.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will continue to be valid and enforceable to the fullest extent permitted by law.

17. Entire Agreement

These Terms, together with our Privacy Policy and any service agreements, constitute the entire agreement between you and Gilded Destination regarding your use of our services.

18. Contact Information

If you have any questions about these Terms or our services, please contact us: