Agreement to Terms
By accessing and using the icy-synthesis website ("Website") and services ("Services"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use our Website or Services.
These Terms constitute a legally binding agreement between you and icy-synthesis. We reserve the right to modify these Terms at any time, and your continued use of the Website or Services after changes constitutes acceptance of the modified Terms.
Services Description
icy-synthesis provides financial education services, including individual consultations, structured learning programs, and educational resources. Our services are designed to enhance financial literacy and are not substitutes for personalized financial advice from regulated financial advisors.
Educational Nature of Services
Our services are educational in nature. We provide information and frameworks to help you understand financial concepts, but we do not:
- Provide specific investment recommendations for individual securities
- Manage assets or execute transactions on your behalf
- Offer tax advice that should replace consultation with qualified tax professionals
- Guarantee specific financial outcomes or investment returns
Eligibility
You must be at least 18 years old to use our Services. By using our Website or Services, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.
User Obligations
When using our Website and Services, you agree to:
- Provide accurate, current, and complete information when requested
- Maintain the confidentiality of any account credentials
- Notify us immediately of any unauthorized use of your account
- Use the Services only for lawful purposes and in accordance with these Terms
- Not engage in any conduct that restricts or inhibits others from using the Website
- Not attempt to gain unauthorized access to any portion of the Website or Services
Intellectual Property Rights
The Website and Services, including all content, features, and functionality, are owned by icy-synthesis and are protected by copyright, trademark, and other intellectual property laws.
Website Content
All text, graphics, logos, images, software, and other materials on the Website are the property of icy-synthesis or our licensors. You may not:
- Reproduce, distribute, or display any content without written permission
- Modify or create derivative works from Website content
- Use content for commercial purposes without authorization
- Remove copyright or proprietary notices from materials
Educational Materials
Materials provided during consultations are for your personal use only. You may not share, sell, or distribute educational materials to third parties without express written permission.
Payment Terms
Services are provided at the prices listed on our Website. Payment is required in advance unless alternative arrangements have been agreed in writing.
Pricing
All prices are stated in British Pounds (GBP) and include applicable taxes unless otherwise specified. We reserve the right to modify pricing with reasonable notice, though changes will not affect services already purchased.
Refund Policy
Refunds may be requested up to 48 hours before a scheduled consultation session. Refund requests made with less notice may be declined or subject to cancellation fees. For multi-session programs, refunds are calculated based on completed sessions at the standard per-session rate.
Cancellation and Rescheduling
You may cancel or reschedule consultation sessions with at least 48 hours' notice without penalty. Cancellations or rescheduling requests made with less than 48 hours' notice may result in forfeiture of the session fee.
We reserve the right to cancel or reschedule sessions due to unforeseen circumstances, in which case we will provide reasonable notice and offer alternative scheduling or full refund.
Confidentiality
We maintain strict confidentiality regarding information you share during consultations. However, confidentiality does not apply when:
- You provide written consent to disclose information
- Disclosure is required by law or court order
- Information is already publicly available
- Disclosure is necessary to prevent harm or illegal activity
For more details on how we handle your personal information, please review our Privacy Policy.
Limitation of Liability
To the fullest extent permitted by law, icy-synthesis, its officers, directors, employees, and agents shall not be liable for:
- Any indirect, incidental, special, consequential, or punitive damages
- Loss of profits, revenue, data, or use
- Financial losses resulting from decisions made based on educational content
- Damages arising from unauthorized access to or alteration of your transmissions or data
- Statements or conduct of any third party on the Website
Our total liability for any claims arising from the Services shall not exceed the amount you paid for the specific service giving rise to the claim.
No Financial Advice Disclaimer
The information provided through our Services is for educational purposes only and should not be construed as financial advice. We do not recommend specific investment products or make personalized recommendations regarding your financial situation.
Before making financial decisions, you should consult with qualified financial advisors who can consider your complete financial situation and provide personalized advice.
External Links
Our Website may contain links to third-party websites for your convenience. We do not control these websites and are not responsible for their content, privacy policies, or practices. Accessing third-party websites is at your own risk.
Termination
We reserve the right to terminate or suspend your access to the Website or Services immediately, without prior notice, for conduct that we believe:
- Violates these Terms
- Is harmful to other users, us, or third parties
- Violates applicable law or regulation
- Is otherwise inappropriate
Upon termination, your right to use the Services will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.
Indemnification
You agree to indemnify and hold harmless icy-synthesis, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:
- Your use of the Website or Services
- Your violation of these Terms
- Your violation of any rights of another party
- Your violation of applicable laws or regulations
Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles.
Any disputes arising from these Terms or the Services shall be subject to the exclusive jurisdiction of the courts of England and Wales. You consent to personal jurisdiction in these courts and waive any objection to venue.
Dispute Resolution
In the event of a dispute, we encourage you to contact us first to seek an informal resolution. Many concerns can be resolved quickly through direct communication.
If informal resolution is unsuccessful, disputes may be resolved through mediation before pursuing litigation. Both parties agree to participate in good faith mediation if requested.
Severability
If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.
Entire Agreement
These Terms, together with our Privacy Policy and any other legal notices published on the Website, constitute the entire agreement between you and icy-synthesis regarding the use of the Website and Services.
Waiver
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. Any waiver must be in writing and signed by an authorized representative of icy-synthesis.
Force Majeure
We shall not be liable for any failure or delay in performing our obligations due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, or strikes.
Contact Information
If you have questions about these Terms of Use, please contact us:
Email: [email protected]
Address: 47 Threadneedle Street, London EC2R 8AU, United Kingdom
Acknowledgment
By using our Website or Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.