Terms & Conditions

By Using Our Site You Accept these Terms and Conditions

OVERVIEW Please read these Terms and Conditions carefully and ensure that you understand them before accessing or using our website. These Terms and Conditions, together with any other documents referred to herein, set out the terms of use governing your use of this website, www.financialharmony.com (Our Site). It is recommended that you print a copy of these Terms and Conditions for your reference.

These Terms and Conditions were last updated on 1st October 2021.

Your agreement to comply with these Terms and Conditions is indicated by your use of our site. By accessing or using any part of the site, you agree to be bound by these Terms and Conditions. If you do not agree to all the terms and conditions, then you may not access the website or use any services and you must stop using Our Site immediately.

The following document also apply to your use of Our Site:

Our Privacy Policy, available at http://financialharmony.com/privacy-policy/. This is also referred to below in Part 15.

1. Definitions and Interpretation 1.1 In these Terms and Conditions, unless the context otherwise requires, the following expressions have the following meanings:
   “Content” Means any and all text, images, audio, video, scripts, codes, software, databases and any other form of information capable of being stored on a computer that appears on, or forms part of Our Site; and
   “We” Means Financial Harmony

This website is operated by Financial Harmony. Throughout the site, the terms “we”, “us” and “our” refer to Financial Harmony. Financial Harmony offers this website, including all information, tools and services available from this site to you, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated here.

2. Information About Us
   Our Site is operated by Financial Harmony Limited. Our registered address is 71-75 Shelton Street, London, WC2H 9JQ
3. How to contact us
   To contact us please email us on myfinancialharmony@gmail.com or telephone us on 07831 662005

4. Access to Our Site
   1. Access to Our Site is free of charge
   2. It is your responsibility to make the arrangements necessary in order to access Our Site.
   3.  Access to Our Site is provided on an “as is” and on an “as available” basis. We may suspend or discontinue Our Site (or any part of it) at any time. We do not guarantee that Our Site will always be available or that access to it will be uninterrupted. If we suspend or discontinue Our Site (or any part of it), we will try to give you reasonable notice of suspension or discontinuation.

5. Changes to Our Site
   1. Any new features or tools which are added to Our Site shall also be subject to the Terms and Conditions. You can review the most current version of the Terms and Conditions at any time on this page.
   2. We may alter and update Our Site (or any part of it) at any time. If we make any significant alterations to Our Site (or any part of it), we will try to give you reasonable notice of these alternations. It is your responsibility to check this page periodically for changes.
   3. We reserve the right to update, change or replace any part of these Terms and Conditions by posting updates and/or changes to our website. Your continued use of or access to the website following the posting of any changes constitutes acceptance of those changes.

6. Changes to these Terms and Conditions
   1. We may alter these Terms and Conditions at any time. If we do so, details of these changes will be highlighted at the top of the page. As explained above, your use of Our Site constitutes your acceptance of these Terms and Conditions. Consequently, any changes made to these Terms and Conditions will apply to your use of Our Site the first time you use it after the changes have been implemented. You are therefore advised to check this page every time you use Our Site.
   2. If any part of the current version of these Terms and Conditions conflicts with any previous version(s), the current version shall prevail unless we explicitly state otherwise.

7. How You May Use Our Site and Content (Intellectual Property Rights)
   1. All Content included on Our Site and the copyright ad other intellectual property rights in that Content belongs to or has been licensed by us, unless specially labelled otherwise. Applicable United Kingdom and international intellectual property laws, and treaties protect all Content.
   2. You may access, view, and use Our Site in a web browser (including any web browsing capability built into other types of software or app) and you may download Our Site (or any part of it) for caching (this usually occurs automatically).
   3. You may print one copy and download extracts of any page(s) from Our Site for personal use only.
   4. You may not modify the printed copies or downloaded extracts in any way. Images, video, audio, or any other Content downloaded from Our Site must not be used separately from accompanying text.
   5. Our status as the owner and author of the Content on Our Site (or that of identified licensors, as applicable) must always be acknowledged.
   6. Nothing in these Terms and Conditions limits or excludes the provisions of Chapter III of the Copyright, Designs and Patents Act 1988, ‘Acts Permitted in Relation to Copyright Works’, which provides exceptions allowing certain uses of copyright material including (but not limited to) non-commercial research and private study; text and data mining for non-commercial research; criticism, review, and reporting current events; teaching; accessibility; time-shifting; and parody, caricature, and pastiche. Further information is available from the UK Intellectual Property Office.

8. Links to Our Site
   1. You may only link to the homepage of Our Site, http://financialharmony.com/. Linking to other pages on Our Site requires our express written permission.
   2. Links to Our Site must be fair and lawful. You must not take unfair advantage of our reputation or attempt to damage our reputation.
   3. You must not link to Our Site in a manner that suggests any association with us (where there is none) or any endorsement or approval from us (where there is none).
   4. Your link should not use any logos or trademarks displayed on Our Site without Our expressed written permission.
   5. You may not frame or embed Our Site on another website without our express written permission.
   6. You may not link to Our Site from another website the main content of which is unlawful; obscene; offensive; inappropriate; dishonest; defamatory; threatening; racist, sexist, or otherwise discriminatory; that promotes violence, racial hatred, or terrorism; that infringes intellectual property rights; or that We deem to be otherwise objectionable.

9. Links to Other Sites
   1. Links to other websites may be included on Our Site. Unless expressly stated, these sites are not under our control. We accept no responsibility or liability for the content of third-party websites.
   2. The inclusion of a link to another website on Our Site is for information purposes only and does not imply any endorsement of that website or of its owners, operators, or any other parties involved with it.

10. Disclaimers
    1. Nothing on Our Site constitutes professional advice on which you should reply. It is provided for general information purpose only.
    2. We make reasonable efforts to ensure that the Content on Our Site is complete, accurate, and up to date, but we make no warranties, representations, or guarantees (express or implied) that this will always be the case.
    3. If you are a business user, we exclude all implied representations, warranties, conditions, and other terms that may apply to Our Site and Content.

11. Accuracy, Completeness and Timeliness of information
    1. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this site is at your own risk.
    2. This site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this site at any time, but we have no obligation to update any information on our site. You agree that it is your responsibility to monitor changes to our site.
12. Our Liability
    1. Nothing in these Terms and Conditions excludes or restricts Our liability for fraud or fraudulent misrepresentation, for death or personal injury resulting from negligence, or for any other forms of liability which cannot be lawfully excluded or restricted.
    2. If you are a business user (i.e. you are using Our Site in the course of business or for commercial purposes), to the fullest extent permissible by law, We accept no liability for any loss or damage, whether foreseeable or otherwise, in contract, tort (including negligence), for breach of statutory duty, or otherwise, arising out of or in connection with the use of (or inability to use) Our Site or the use or reliance upon any Content included on Our Site.
    3. If you are a business user, we accept no liability for loss of profit, sales, business, or revenue; loss of business opportunity, goodwill, or reputation; loss of anticipated savings; business interruption; or for any indirect or consequential loss or damage.
    4. Our Site is intended for non-commercial use only. If you are a consumer, you agree that you will not use Our Site for any commercial or business purposes and that we shall have no liability to you for any business losses as set out above.

13. Viruses, Malware, and Security
    1. WE exercise reasonable skill and care to ensure that Our Site is secure and free from viruses and malware; however, we do not guarantee that this is the case.
    2. You are responsible for protecting your hardware, software, data, and other material from viruses, malware, and other Internet security risks.
    3. You must not deliberately introduce viruses or other malware, or any other material, which is malicious or technologically harmful either to or via Our Site.
    4. You must not attempt to gain unauthorised access to any part of Our Site, the server on which Our Site is stored, or any other server, computer, or database connected to Our Site.
    5. You must not attack Our Site by means of a denial of service attack, a distributed denial of service attack, or by any other means.
    6. By breaching the provisions of Parts 13.3 to 13.5, you may be committing a criminal offence under the Computer Misuse Act 1990. Any and all such breaches will be reported to the relevant law enforcement authorities and We will cooperate fully with those authorise by disclosing your identity to them. Your right to use Our Site will cease immediately in the event of such a breach.

14. Acceptable Usage of Our Site
    1. You may only use Our Site in a lawful manner:
       
       1. You must ensure that you comply fully with any and all local, national, or international laws and regulations that apply;
       2. You must not use Our Site in any way, or for any purpose, that is unlawful or fraudulent; and
       3. You must not use Our Site to knowingly send, upload, or in any other way transmit data that contains any form of virus or other malware or any other code designed to adversely affect computer hardware, software, or data of any kind.
    2. If you fail to comply with the provisions of this Part 14, you will be in breach of these Terms and Conditions. We may take one or more of the following actions in response:
       
       1. Suspend or terminate your right to use Our Site;
       2. Issue you with a written warning;
       3. Take legal proceedings against you for reimbursement of any and all relevant costs on an indemnity basis resulting from your breach;
       4. Take further legal action against you, as appropriate;
       5. Disclose such information to law enforcement authorises as required or as We deem reasonably necessary; and/or
       6. Any other actions, which we deem reasonably, appropriate (and lawful).
    3. We hereby exclude any and all liability arising out of any actions that we may take (including, but not limited to those set out above in Part 14.2) in response to your breach.

15. How We Use Your Personal Information
    We will only use your personal information as set out in Our Privacy Policy, available from https://financialharmony.com/privacy-policy/.

16. Communications from Us
    1. If we have your contact details, we may send you important notices by email from time to time. Such notices may relate to matters including, but not limited to, changes to Our Site or to these Terms and Conditions.
    2. We will not send you marketing emails without your express consent. If you do consent to marketing, you may opt out at any time. All marketing emails from us include an unsubscribe link. If you opt out of emails from us, it may take up to 1 month for your request to take effect and you may continue to receive emails during that time.
    3. For questions or complaints about communications from us, please contact us using the details above in Part 3.

17. Law and Jurisdiction
    1. These Terms and Conditions, and the relationship between you and us (where contractual or otherwise) shall be governed by, and construed in accordance with, English Law.
    2. If you are a consumer, you will benefit from any mandatory provisions of the law in your country of residence. Nothing in Part 17.1 takes away from or reduces your legal rights as a consumer.
    3. If you are a consumer, any dispute, controversy, proceedings, or claim between you and us relating to these Terms and Conditions or to the relationship between you and us (whether contractual or otherwise) shall be subject to the jurisdiction of the courts of England, Wales, Scotland, or Northern Ireland, as determined by your residency.
    4. If you are a business user, any dispute, controversy, Proceedings, or claim between you and us relating to these Terms and Conditions or to the relationship between you and us (whether contractual or otherwise) shall be subject to the exclusive jurisdiction of the courts of England and Wales.

18. General Conditions
    1. We reserve the right to refuse service to anyone for any reason at any time. You understand that your content (not including credit card information), may be transferred unencrypted and involve;
       
       1. transmissions over various networks; and
       2. changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks.
    2. You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service or any contact on the website through which the service is provided, without express written permission by us.
    3. 1The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms and Conditions.

19. Modifications to the Service and Prices
    1. Prices for our products are subject to change without notice.
    2. We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice at any time.
    3. We shall not be liable to you or to any third-party for any modification, price change, suspension or discontinuance of the Service.

20. User Comments, Feedback and Other Submissions
    1. If, at our request, you send certain specific submissions (for example contest entries) or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, ‘comments’), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you forward to us.
    2. We are and shall be under no obligation;
    3. We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion are unlawful, offensive, threatening, libellous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms and Conditions.
    4. You agree that your comments will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that your comments will not contain libellous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service or any related website.
    5. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third-parties as to the origin of any comments. You are solely responsible for any comments you make and their accuracy. We take no responsibility and assume no liability for any comments posted by you or any third-party.
       1. 1. to maintain any comments in confidence;
          2. to pay compensation for any comments; or
          3. to respond to any comments.

21. Errors, Inaccuracies and Omissions
    
    1. Occasionally there may be information on Our Site or in the Service that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers and availability.
    2. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel orders if any information in the Service or on any related website is inaccurate at any time without prior notice (including after you have submitted your order).
    3. We undertake no obligation to update, amend or clarify information in the Service or on any related website, including without limitation, pricing information, except as required by law. No specified update or refresh date applied in the Service or on any related website, should be taken to indicate that all information in the Service or on any related website has been modified or updated.