Terms & Conditions

1. Introduction

Welcome to EsiwEcnanif UK. These Terms and Conditions ("Terms") govern your use of our website and services. By accessing or using our services, you agree to be bound by these Terms.

EsiwEcnanif UK is a financial advisory service provider based in Manchester, United Kingdom, offering personal finance guidance and consultation services.

2. Definitions

• "Company" refers to EsiwEcnanif UK
• "Services" refers to financial advisory services, consultations, and website content
• "User" refers to anyone accessing our website or using our services
• "Website" refers to our online platform and all associated content

3. Use of Our Website

3.1 Permitted Use

You may use our website for lawful purposes only. You agree not to:

• Violate any applicable laws or regulations
• Infringe upon intellectual property rights
• Transmit harmful or malicious content
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of the website

3.2 User Accounts

If you create an account with us, you are responsible for maintaining the confidentiality of your account information and for all activities under your account.

4. Financial Advisory Services

4.1 Nature of Services

Our services include financial consultations, budgeting guidance, investment advice, and debt management strategies. All advice is general in nature and should be considered alongside your individual circumstances.

4.2 Professional Standards

We maintain professional standards in accordance with UK financial services regulations. However, we are not regulated by the Financial Conduct Authority (FCA) for investment advice.

4.3 Client Responsibilities

Clients are responsible for:

• Providing accurate and complete information
• Making informed decisions based on our guidance
• Seeking independent advice for complex financial matters
• Complying with all applicable laws and regulations

5. Fees and Payment

5.1 Service Fees

Fees for our services will be clearly communicated before any engagement. Payment terms will be specified in individual service agreements.

5.2 Refund Policy

Refunds may be available in certain circumstances as outlined in individual service agreements. Free consultations are not subject to refunds.

6. Intellectual Property

6.1 Our Content

All content on our website, including text, graphics, logos, and software, is the property of EsiwEcnanif UK and is protected by copyright and other intellectual property laws.

6.2 Limited License

We grant you a limited, non-exclusive license to access and use our website for personal, non-commercial purposes.

7. Privacy and Data Protection

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

8. Disclaimers and Limitations

8.1 No Investment Advice

Unless specifically stated, our content and services do not constitute regulated investment advice. You should seek independent financial advice for investment decisions.

8.2 No Guarantees

We do not guarantee specific financial outcomes. All investments and financial decisions carry risk, and past performance does not predict future results.

8.3 Website Availability

While we strive to maintain website availability, we do not guarantee uninterrupted access and are not liable for any downtime or technical issues.

9. Limitation of Liability

To the maximum extent permitted by law, EsiwEcnanif UK shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services or website.

Our total liability for any claim shall not exceed the amount paid by you for the specific service giving rise to the claim.

10. Indemnification

You agree to indemnify and hold harmless EsiwEcnanif UK from any claims, damages, or expenses arising from your use of our services or violation of these Terms.

11. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content or practices of these external sites and do not endorse their services or products.

12. Termination

We may terminate or suspend your access to our services at any time, with or without cause, and with or without notice. You may also terminate your use of our services at any time.

13. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after changes constitutes acceptance of the new Terms.

14. Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the English courts.

15. Severability

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

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and EsiwEcnanif UK regarding your use of our services.

17. Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, or government actions.

18. Contact Information

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

19. Complaints Procedure

If you have a complaint about our services, please contact us in writing. We will investigate all complaints promptly and fairly. If you are not satisfied with our response, you may refer the matter to relevant regulatory bodies or seek independent legal advice.

20. Age Restrictions

Our services are intended for individuals aged 18 and over. By using our services, you confirm that you are at least 18 years old or have parental consent.