Terms of Use

Last updated: January 2024

Welcome to lucid-orchard.com. These Terms of Use ("Terms") govern your access to and use of our website and 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.

1. About Us

lucid-orchard provides financial education services designed to improve financial literacy and understanding. We are based in London, United Kingdom. Our services are educational in nature and do not constitute regulated financial advice.

2. Eligibility

Our services are intended for individuals aged 18 and over who are resident in the United Kingdom. By using our services, you confirm that you meet these eligibility requirements.

3. Nature of Our Services

It is important to understand what our services do and do not include:

What We Provide

• Financial education programmes and workshops
• General information about personal finance topics
• Tools and resources for improving financial understanding
• Guidance on developing financial habits and practices

What We Do Not Provide

• Regulated financial advice
• Investment recommendations for specific products
• Tax advice
• Legal advice
• Guarantees about financial outcomes

Our content is for educational purposes only and should not be relied upon as a basis for making financial decisions. For personalised advice, please consult a qualified professional regulated by the Financial Conduct Authority.

4. Booking and Payment

Booking Services

To book a service, you must submit an enquiry through our contact form. Once we confirm availability and you agree to proceed, we will provide payment details and schedule your sessions.

Payment Terms

• All prices are displayed in pounds sterling and include VAT where applicable
• Payment is due before the commencement of services unless otherwise agreed
• We accept bank transfer and major credit and debit cards

Cancellation and Refunds

• Cancellations made more than 7 days before a scheduled session are eligible for a full refund
• Cancellations made 3-7 days before are eligible for a 50% refund or rescheduling
• Cancellations made less than 3 days before are not eligible for refunds but may be rescheduled subject to availability
• We reserve the right to cancel or reschedule sessions due to unforeseen circumstances, in which case a full refund or alternative date will be offered

5. Use of Our Website

Permitted Use

You may use our website for lawful purposes in accordance with these Terms. You agree to use our website only for its intended purposes of accessing information about our services and contacting us.

Prohibited Activities

You must not:

• Use our website in any way that violates applicable laws or regulations
• Attempt to gain unauthorised access to our systems or networks
• Introduce viruses, malware, or other malicious code
• Interfere with the proper working of the website
• Copy, reproduce, or redistribute our content without permission
• Use automated systems to access our website without our consent
• Impersonate any person or entity

6. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of lucid-orchard or our content suppliers and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content from our website without our prior written consent.

7. Client Materials

During our educational programmes, we may create materials specific to your situation (worksheets, budgets, plans). You own any personal data within these materials. We retain the right to use anonymised, generalised versions of such materials to improve our services.

8. Confidentiality

We treat all information shared during our sessions as confidential. We will not disclose your personal financial information to third parties except:

• With your explicit consent
• Where required by law
• To protect our legal rights

9. Limitation of Liability

To the fullest extent permitted by law:

• Our services are provided "as is" without warranties of any kind
• We do not guarantee any particular financial outcomes from using our services
• We are not liable for any indirect, incidental, special, or consequential damages
• Our total liability for any claim arising from our services shall not exceed the amount you paid for those services

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

10. Indemnification

You agree to indemnify and hold harmless lucid-orchard, its directors, employees, and agents from any claims, losses, or damages arising from your breach of these Terms or your use of our services.

11. Third-Party Links

Our website may contain links to third-party websites. These links are provided for convenience only. We do not control and are not responsible for the content, privacy policies, or practices of third-party websites. Accessing third-party websites is at your own risk.

12. Changes to Terms

We may revise these Terms at any time by updating this page. Changes take effect immediately upon posting. Your continued use of our website or services following any changes constitutes acceptance of the revised Terms.

13. Termination

We reserve the right to terminate or suspend your access to our website or services at our discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these Terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

16. Contact Information

For questions about these Terms, please contact us:

lucid-orchard
14 Whitmore Street
London, EC2A 4PQ
United Kingdom
Email: [email protected]