Terms of Use

Agreement to Terms

These Terms of Use constitute a legally binding agreement between you and brisk-wheel regarding your use of our website and services. By accessing or using our website, you agree to be bound by these terms.

If you do not agree with any part of these terms, you must not use our website or services.

Changes to Terms

We reserve the right to modify these Terms of Use at any time. We will notify users of material changes by updating the "Last updated" date at the top of this page and, where appropriate, providing additional notice.

Your continued use of the website following the posting of revised terms means you accept and agree to the changes. We encourage you to review these terms periodically.

Use of Our Website

Permitted Use

You may use our website for lawful purposes only and in accordance with these terms. Specifically, you agree to use our website:

• In compliance with all applicable laws and regulations
• In a manner that does not infringe the rights of others
• In a way that does not damage, disable, or impair our website
• For personal, non-commercial purposes (unless you have a commercial agreement with us)

Prohibited Use

You agree not to:

• Use our website in any way that violates applicable laws or regulations
• Engage in unauthorized framing or linking to our website
• Upload or transmit viruses, malware, or other malicious code
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the website or servers
• Use automated systems or software to extract data from our website (scraping)
• Impersonate brisk-wheel or misrepresent your affiliation with us
• Use our website to transmit spam or unsolicited communications

Intellectual Property Rights

Our Content

Unless otherwise indicated, brisk-wheel owns or licenses all intellectual property rights in our website and its content, including but not limited to:

• Text, graphics, logos, and images
• Website design and layout
• Software and code
• Educational materials and resources

These works are protected by copyright, trademark, and other intellectual property laws in the United Kingdom and internationally.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes. This license does not include any right to:

• Modify, copy, or distribute our content
• Use our content for commercial purposes
• Remove copyright or other proprietary notations
• Transfer content to another person or website

User-Generated Content

If you submit, post, or transmit any content to us (including through email or other communications), you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, and publish that content for business purposes related to providing our services.

You represent and warrant that:

• You own or have the necessary rights to any content you submit
• Your content does not infringe third-party rights
• Your content complies with these Terms of Use

Services and Educational Information

Nature of Services

brisk-wheel provides financial education and consulting services. Our services are educational in nature and designed to help you build financial literacy and management capabilities.

Not Financial Advice

Information provided on our website and through our services is for educational purposes only and should not be construed as specific financial, investment, tax, or legal advice. We do not provide regulated financial advice or investment management services.

You should consult with appropriate professional advisors before making significant financial decisions.

No Guarantees

While we strive to provide accurate, helpful information and guidance, we make no guarantees about specific outcomes or results. Financial success depends on many factors beyond our control, including individual circumstances and market conditions.

Accuracy of Information

We make reasonable efforts to ensure information on our website is accurate and current. However:

• Information may become outdated as laws, regulations, and circumstances change
• We may make errors or omissions in content
• We do not warrant the completeness or accuracy of all information

You should independently verify any information before relying on it for important decisions.

Third-Party Links

Our website may contain links to third-party websites or resources. These links are provided for your convenience only.

We do not:

• Endorse or approve linked websites
• Control third-party website content
• Accept responsibility for third-party sites

You access third-party websites at your own risk and should review their terms and privacy policies.

Disclaimers and Limitations of Liability

Website Disclaimer

Our website is provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that:

• Our website will be uninterrupted or error-free
• Defects will be corrected
• The website is free from viruses or harmful components
• Information is complete, accurate, or current

Limitation of Liability

To the fullest extent permitted by applicable law, brisk-wheel shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

• Your use of or inability to use our website or services
• Any unauthorized access to or use of our servers or personal information
• Any interruption or cessation of transmission to or from our website
• Any bugs, viruses, or similar harmful components transmitted through our website
• Any errors or omissions in content

Limitation Period

Nothing in these terms excludes or limits our liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under UK law.

Indemnification

You agree to indemnify, defend, and hold harmless brisk-wheel, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with:

• Your use of our website or services
• Your violation of these Terms of Use
• Your violation of any rights of another party
• Your violation of any applicable laws or regulations

Privacy and Data Protection

Your use of our website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our website, you consent to our data practices as described in our Privacy Policy.

Please review our Privacy Policy, GDPR information, and Cookies Policy for complete details on how we handle your data.

Termination

We reserve the right to terminate or suspend your access to our website immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms of Use.

Upon termination, your right to use the website will immediately cease. All provisions of these terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

Service Agreements

When you engage our professional services, additional terms may apply as specified in separate service agreements. In case of conflict between these Terms of Use and a specific service agreement, the service agreement prevails.

Governing Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles.

You agree that any disputes arising from or relating to these terms or your use of our website shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Severability

If any provision of these Terms of Use is found to be unlawful, void, or unenforceable, that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.

Entire Agreement

These Terms of Use, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and brisk-wheel concerning your use of our website.

Waiver

Our failure to enforce any right or provision of these Terms of Use will not be considered a waiver of those rights. Any waiver of any provision of these terms will be effective only if in writing and signed by brisk-wheel.

Assignment

You may not assign or transfer these Terms of Use or your rights hereunder without our prior written consent. We may assign these terms without restriction.

Force Majeure

We shall not be liable for any failure to perform our obligations where such failure results from circumstances beyond our reasonable control, including but not limited to natural disasters, war, terrorism, pandemics, labor disputes, or governmental actions.

Contact Information

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

brisk-wheel
47 Clerkenwell Road
London EC1M 5RS
United Kingdom
Email: [email protected]

Acknowledgment

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