Agreement to Terms
By accessing and using the Spectra Quadrant website and services, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our website or services.
Services Description
Spectra Quadrant provides financial education, consultation, and coaching services. Our services are intended to provide general financial guidance and education, not specific investment advice or financial planning regulated by the Financial Conduct Authority (FCA).
Not Financial Advice
The information and services provided by Spectra Quadrant are for educational purposes. We do not provide regulated financial advice, investment management, or other services requiring FCA authorization. You should consult with a qualified financial advisor before making significant financial decisions.
User Responsibilities
You agree to:
- Provide accurate and complete information when registering for services
- Maintain the confidentiality of any account credentials
- Use our services only for lawful purposes
- Not misuse or attempt to gain unauthorized access to our systems
- Take responsibility for your own financial decisions
Intellectual Property
All content on this website, including text, graphics, logos, and software, is the property of Spectra Quadrant and protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.
Payment and Refunds
Payment for services is required in advance unless otherwise agreed in writing. We offer a satisfaction guarantee: if after your first session you are not satisfied with our approach, we will provide a full refund upon request. Refunds for subsequent sessions are handled on a case-by-case basis.
Limitation of Liability
Spectra Quadrant and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services or inability to use our services. Our total liability shall not exceed the amount you paid for the specific service in question.
No Guarantees
While we strive to provide high-quality education and guidance, we cannot guarantee specific financial outcomes. Your results depend on many factors including your effort, circumstances, and market conditions.
Client Confidentiality
We maintain strict confidentiality regarding all information you share during consultations. We will not disclose your personal or financial information to third parties except as required by law or with your explicit consent.
Termination
We reserve the right to terminate or suspend access to our services immediately, without prior notice, for conduct that we believe violates these Terms of Use or is harmful to other users, us, or third parties, or for any other reason.
Modifications to Terms
We may revise these Terms of Use at any time without notice. By continuing to use our website and services after changes become effective, you agree to be bound by the revised terms.
Governing Law
These Terms of Use are governed by 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.
Dispute Resolution
Before filing any formal legal action, you agree to first contact us and attempt to resolve any disputes informally. If we cannot resolve the dispute within 60 days, either party may pursue formal legal action.
Severability
If any provision of these Terms of Use is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the Terms of Use shall otherwise remain in full force and effect.
Contact Information
If you have questions about these Terms of Use, please contact us at:
Email: [email protected]
Address: 42 Kingsway, London WC2B 6EX, United Kingdom