Terms of Use

Last updated: January 2024

These terms govern your use of the SurreymontePro website and services. By accessing our website or engaging our services, you agree to be bound by these terms. Please read them carefully before proceeding.

About Our Services

SurreymontePro provides financial education and guidance services. We help individuals and businesses understand money management principles, develop budgeting strategies, and make informed financial decisions.

It is important to understand that we provide guidance and education, not regulated financial advice. We do not recommend specific financial products, manage investments, or provide advice that requires authorisation by the Financial Conduct Authority.

Use of This Website

You may use this website for lawful purposes in accordance with these terms. You agree not to:

• Use the website in any way that violates applicable laws or regulations
• Attempt to gain unauthorised access to our systems or interfere with their operation
• Introduce viruses, malware, or other harmful material
• Collect information about other users without their consent
• Use automated systems to access the website beyond normal browsing
• Reproduce, distribute, or commercially exploit our content without permission

Intellectual Property

The content on this website, including text, graphics, logos, and design elements, is owned by SurreymontePro or our licensors and is protected by copyright and other intellectual property laws.

You may view and print content for personal, non-commercial use. Any other reproduction, distribution, or commercial use requires our prior written consent.

Service Engagement Terms

When you engage our consultation services, additional terms apply:

Booking and Payment

Services must be booked in advance through our scheduling process. Payment is due before sessions begin unless alternative arrangements have been agreed in writing. Prices are as quoted on our services page and include VAT where applicable.

Cancellation and Rescheduling

You may reschedule or cancel appointments with at least 24 hours notice at no charge. Cancellations with less than 24 hours notice may be subject to a fee of up to 50% of the session cost to cover our reserved time. We aim to accommodate genuine emergencies with flexibility.

Session Conduct

Sessions are conducted professionally and with mutual respect. We reserve the right to terminate any session where behaviour is abusive, threatening, or otherwise inappropriate. In such cases, no refund will be provided.

Documentation

Written materials provided during or after sessions are for your personal use only. They may not be shared publicly, redistributed, or used for commercial purposes without our consent.

Nature of Our Guidance

Our services constitute financial education and general guidance. This means:

• We help you understand financial concepts and strategies
• We assist you in developing skills to manage your own finances
• We do not tell you what to do with specific products or investments
• Ultimate decisions about your finances remain your responsibility

If you require regulated financial advice, such as recommendations on specific investment products, pensions, or mortgages, you should consult a qualified and authorised financial adviser.

Limitation of Liability

While we strive to provide accurate and helpful information, we make no guarantees about the outcomes of applying our guidance. Financial results depend on many factors beyond our control, including market conditions, personal circumstances, and how guidance is implemented.

To the fullest extent permitted by law:

• We do not warrant that our website will be error-free or uninterrupted
• We are not liable for any indirect, consequential, or special damages arising from use of our services or website
• Our total liability for any claim shall not exceed the amount you paid for the relevant service

Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded by law.

Indemnification

You agree to indemnify and hold harmless SurreymontePro, its employees, and agents from any claims, damages, or expenses arising from your breach of these terms or misuse of our services or website.

Third-Party Links

Our website may contain links to external websites for your convenience. We do not control these sites and are not responsible for their content or practices. Inclusion of a link does not imply endorsement. You access third-party sites at your own risk.

Privacy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

Modifications to Terms

We may revise these terms at any time by updating this page. Changes take effect when posted. Your continued use of the website after changes constitutes acceptance of the revised terms. For material changes, we will provide prominent notice on our website.

Modifications to Services

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time. We will provide reasonable notice of significant changes where possible. Clients with ongoing engagements will be informed directly of any changes affecting their services.

Severability

If any provision of these terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force and effect.

Entire Agreement

These terms, together with our Privacy Policy, Cookies Policy, and any service-specific agreements, constitute the entire agreement between you and SurreymontePro regarding use of our website and services.

Governing Law

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

Waiver

Our failure to enforce any provision of these terms does not constitute a waiver of that provision or our right to enforce it subsequently.

Contact Information

For questions about these terms, please contact us:

SurreymontePro
47 Whitmore Lane
Guildford, Surrey GU2 4PQ
Email: [email protected]

Complaints

If you have a complaint about our services, please contact us in writing at the address above. We take all complaints seriously and will investigate thoroughly. We aim to resolve complaints within 14 days, though complex matters may take longer. If you remain dissatisfied, you may seek independent advice or pursue alternative dispute resolution.