The conditions that apply when you use our website and services.
Last updated: January 2024
These Terms of Use constitute a legally binding agreement between you and lite-shield Financial Education Ltd ("lite-shield", "we", "our", or "us"). By accessing or using our website at lite-shield.com and any related services, you agree to be bound by these Terms.
If you do not agree with any part of these Terms, you must not access or use our website or services. We recommend that you print or save a copy of these Terms for your records.
lite-shield provides financial education and general guidance services. Our services are designed to help individuals and businesses understand financial concepts and develop money management skills.
It is important to understand that we provide education, not regulated financial advice. We do not recommend specific financial products, provide investment advice, or make personalised recommendations about buying or selling financial instruments. For such advice, you should consult a qualified, regulated financial adviser.
To use our website and services, you must be at least 18 years of age and have the legal capacity to enter into a binding contract. By using our services, you represent and warrant that you meet these requirements.
If you are accessing our website on behalf of a business or organisation, you represent that you have the authority to bind that entity to these Terms.
When using our website and services, you agree to:
The content on our website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, and software, is the property of lite-shield or our content suppliers and is protected by United Kingdom and international copyright, trademark, and other intellectual property laws.
You may view and download content from our website for your personal, non-commercial use only. You must not:
The lite-shield name and logo are our trademarks. You may not use these marks without our prior written permission.
When you engage our paid services, additional terms may apply. These will be provided to you before you commit to any service and may include:
In the event of any conflict between these Terms of Use and specific service terms, the specific service terms shall prevail.
Fees for our services are quoted in British Pounds Sterling (GBP) and are subject to change. We will always confirm the applicable fee before you commit to any paid service.
Payment is typically required in advance for individual sessions and may be invoiced monthly or in accordance with agreed milestones for longer engagements. We accept payment by bank transfer and major debit or credit cards.
Unless otherwise agreed in writing, fees are non-refundable once a service has commenced. However, we offer a satisfaction guarantee for first sessions — if you are not satisfied, we will refund the full fee.
The information provided through our website and services is for general educational purposes only. While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information.
Our educational content and guidance should not be construed as financial advice. Financial decisions involve risk, and you should always consider your individual circumstances. We strongly recommend consulting with qualified professionals before making significant financial decisions.
We do not guarantee any specific financial outcomes from applying the concepts we teach. Results will vary depending on individual circumstances, market conditions, and factors outside our control.
To the fullest extent permitted by law, lite-shield and its directors, employees, and agents shall not be liable for:
Our total liability for any claims arising from these Terms or your use of our services shall not exceed the amount you paid to us for the specific service giving rise to the claim, or £500, whichever is greater.
Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by law.
You agree to indemnify, defend, and hold harmless lite-shield and its officers, directors, employees, agents, and successors from any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or relating to your breach of these Terms or your use of our website or services.
Our website may contain links to third-party websites or services that are not owned or controlled by lite-shield. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.
We strongly advise you to read the terms and conditions and privacy policies of any third-party websites you visit. Your interactions with third-party websites are solely between you and such third parties.
We reserve the right to modify these Terms at any time at our sole discretion. If we make material changes, we will notify you by posting the updated Terms on our website with a new "Last updated" date.
Your continued use of our website or services following the posting of revised Terms means you accept and agree to the changes. If you do not agree to the new Terms, you must stop using our website and services.
We may terminate or suspend your access to our website and services immediately, without prior notice or liability, for any reason, including but not limited to a breach of these Terms.
Upon termination, your right to use our website and services will cease immediately. All provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
These Terms shall be governed by and construed in accordance with the laws of Scotland, without regard to its conflict of law provisions.
Any dispute arising out of or relating to these Terms or your use of our website or services shall be subject to the exclusive jurisdiction of the courts of Scotland. However, we retain the right to bring proceedings against you for breach of these Terms in your country of residence or any other relevant country.
If any provision of these Terms is held to be invalid or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
These Terms, together with our Privacy Policy and any specific service terms, constitute the entire agreement between you and lite-shield regarding your use of our website and services, superseding any prior agreements.
Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by us.
If you have any questions about these Terms, please contact us:
lite-shield Financial Education Ltd
47 Queen Street
Edinburgh EH2 3NH
United Kingdom
Email: [email protected]