Terms of Use - Smooth Purse

Agreement to Terms

These Terms of Use constitute a legally binding agreement between you and Smooth Purse Ltd ("we", "us", "our") concerning your access to and use of our website at smooth-purse.com and our services.

By accessing or using our website and services, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you must not use our website or services.

About Our Services

Smooth Purse provides guidance and support services to help people settle into life in the United Kingdom. Our services include practical advice on topics such as banking, housing, healthcare, and cultural integration.

Important limitations:

We do not provide legal, immigration, or financial advice requiring professional licensing.
Our guidance is educational and informational in nature.
We are not solicitors, immigration advisers, or regulated financial advisers.
For matters requiring professional legal or financial advice, we recommend consulting appropriate qualified professionals.

Eligibility and Account Responsibility

To use our services, you must be at least 18 years old or have parental or guardian consent. By using our services, you represent that you meet these requirements.

You are responsible for:

Maintaining the confidentiality of any account information
All activities that occur under your account
Notifying us immediately of any unauthorised use
Providing accurate and complete information when communicating with us

Website Use and Restrictions

We grant you a limited, non-exclusive, non-transferable licence to access and use our website for personal, non-commercial purposes. You agree not to:

Use the website for any unlawful purpose or in violation of these terms
Attempt to gain unauthorised access to any part of the website or related systems
Interfere with or disrupt the website's functionality or servers
Use automated systems (such as scrapers or bots) to access the website without permission
Copy, reproduce, or distribute website content without authorisation
Modify, create derivative works from, or reverse engineer any part of the website
Remove or alter any copyright, trademark, or other proprietary notices
Impersonate another person or entity
Transmit viruses, malware, or other harmful code
Collect information about other users without consent

Service Terms and Booking

When you purchase our services:

You agree to provide accurate information about your needs and circumstances
Payment is typically required before service delivery begins
Services are provided as described on our website at the time of purchase
We reserve the right to refuse service or cancel bookings in appropriate circumstances
Service delivery timelines are estimates and may vary based on circumstances

What We Provide

Our services consist of guidance, advice, and support based on our experience helping newcomers to the UK. This includes:

Practical information about UK systems and processes
Step-by-step guidance for common settling-in tasks
Answers to questions about UK life
Resources and recommendations

What We Do Not Provide

Our services do not include:

Legal or immigration advice or representation
Regulated financial advice or planning
Guaranteed outcomes or results
Property search or viewing services
Completion of official forms or applications on your behalf
Representation in dealings with government authorities

Payments and Refunds

All prices are stated in British Pounds (GBP) and include applicable taxes unless otherwise specified.

Payment Terms

Payment is due at the time of service booking unless otherwise agreed
We accept payment via the methods specified on our website
You are responsible for any fees charged by your payment provider

Refund Policy

We aim for complete client satisfaction. If you are not satisfied with our service:

Contact us within 14 days of service delivery to discuss concerns
We will work with you to address any issues
Refunds are considered on a case-by-case basis
Refunds may be full or partial depending on services already delivered
Services already substantially delivered may not be eligible for refund

Intellectual Property Rights

All content on this website, including text, graphics, logos, images, and software, is the property of Smooth Purse Ltd or its content suppliers and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, modify, display, or create derivative works from our content without written permission, except as necessary for normal website browsing.

Client materials you provide remain your property, though you grant us licence to use them as necessary to provide our services.

Accuracy of Information

We strive to ensure that information on our website and in our services is accurate and current. However:

UK regulations and processes change, and information may become outdated
Information is general in nature and may not apply to every situation
You should verify important information with official sources
We make no guarantees about the accuracy, completeness, or currency of information

We reserve the right to correct errors or update information at any time without notice.

Disclaimers and Limitations of Liability

To the fullest extent permitted by law:

Service Disclaimer

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that:

The website will be uninterrupted or error-free
Defects will be corrected
The website or servers are free from viruses or harmful components
Our guidance will result in specific outcomes

Limitation of Liability

We shall not be liable for:

Any indirect, incidental, special, consequential, or punitive damages
Loss of profits, data, use, or goodwill
Decisions you make based on our guidance
Actions or inactions of third parties
Changes in laws, regulations, or government policies

Our total liability to you for any claim arising from these terms or our services shall not exceed the amount you paid us for services in the six months before the claim arose.

Your Responsibility

You acknowledge that:

You make your own decisions based on our guidance
You are responsible for verifying important information
You should seek professional advice when needed
Results depend on many factors beyond our control

Indemnification

You agree to indemnify, defend, and hold harmless Smooth Purse Ltd, its directors, employees, and agents from any claims, liabilities, damages, losses, or expenses arising from:

Your use of our website or services
Your violation of these Terms of Use
Your violation of any rights of another party
Any content you provide to us

Third-Party Links and Services

Our website may contain links to third-party websites or references to third-party services. These are provided for your convenience only. We do not:

Endorse or recommend third-party services
Control third-party websites or content
Accept responsibility for third-party actions
Guarantee the accuracy of third-party information

Your use of third-party services is at your own risk and subject to their terms and conditions.

Termination and Suspension

We reserve the right to:

Suspend or terminate your access to our website or services
Refuse to provide services
Cancel bookings or agreements

We may exercise these rights if you:

Violate these Terms of Use
Provide false or misleading information
Engage in abusive or inappropriate behaviour
Use our services for unlawful purposes

Termination does not affect rights and obligations that arose before termination.

Privacy and Data Protection

Your use of our website and services is also governed by our Privacy Policy. Please review our Privacy Policy and GDPR compliance information to understand how we collect, use, and protect your personal data.

Changes to Terms

We may modify these Terms of Use at any time. Changes become effective when posted on this page with a new "Last updated" date. Material changes will be communicated through our website or by email where appropriate.

Your continued use of our website or services after changes are posted constitutes acceptance of the modified terms. If you do not agree to changes, you must stop using our website and services.

Governing Law and Jurisdiction

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

If any provision of these terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force.

Entire Agreement

These Terms of Use, together with our Privacy Policy and any specific service agreements, constitute the entire agreement between you and Smooth Purse Ltd regarding your use of our website and services.

Waiver and Severability

Our failure to enforce any right or provision of these terms shall not constitute a waiver of that right or provision. If any provision is found invalid or unenforceable, the remaining provisions will continue in effect.

Contact Information

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

Smooth Purse Ltd
42 Portland Street
Manchester M1 4DG
United Kingdom

Email: [email protected]

Acknowledgement

By using our website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.