Terms of Service

1. Acceptance of Terms

By accessing and using the Fiery Paths website (fiery-paths.com) and our financial literacy education services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the terms above, please do not use this service.

2. Description of Service

Fiery Paths provides financial literacy education, resources, and information specifically tailored for UK residents. Our services include:

• Online educational content and courses
• Financial guidance and tips through newsletters
• Educational tools and calculators
• Blog articles and financial insights

3. Educational Purpose Only

Important Disclaimer: All content provided by Fiery Paths is for educational and informational purposes only. We do not provide personalized financial advice, investment recommendations, or regulated financial services. You should always:

• Consult with qualified financial advisors for personal advice
• Conduct your own research before making financial decisions
• Consider your individual circumstances and risk tolerance
• Seek professional advice for complex financial matters

4. User Obligations

As a user of our services, you agree to:

• Provide accurate and truthful information when registering or subscribing
• Use our services only for lawful purposes
• Not attempt to gain unauthorized access to our systems
• Respect intellectual property rights
• Not share account credentials with others
• Notify us of any unauthorized use of your account

5. Intellectual Property Rights

All content on the Fiery Paths website, including text, graphics, logos, images, and software, is the property of Fiery Paths and protected by UK and international copyright laws. You may:

• View and download content for personal, non-commercial use
• Share content with appropriate attribution

You may not:

• Reproduce content for commercial purposes without permission
• Modify or create derivative works
• Remove copyright notices or proprietary markings

6. 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 of Service. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

7. Registration and Accounts

Some services may require account registration. When creating an account, you must:

• Provide accurate and complete information
• Maintain the security of your account credentials
• Update information as necessary to keep it current
• Accept responsibility for all activities under your account

8. Payment Terms

For paid services:

• All fees are stated in British Pounds (GBP)
• Payment is due upon purchase unless otherwise specified
• Refunds are provided according to our refund policy
• Prices may change with advance notice
• You are responsible for any applicable taxes

9. Cancellation and Refunds

You may cancel your subscription or course enrollment according to our cancellation policy:

• Digital courses: 14-day cooling-off period from purchase
• Subscriptions: Cancel anytime with effect from next billing cycle
• Refunds processed within 7-10 business days
• Certain promotional prices may be non-refundable

10. Disclaimers

Fiery Paths makes no warranties or representations about the accuracy or completeness of the content on this website. We specifically disclaim:

• Any guarantee of financial results from using our information
• Responsibility for investment losses or financial decisions
• Accuracy of external links or third-party content
• Uninterrupted or error-free service operation

11. Limitation of Liability

To the fullest extent permitted by law, Fiery Paths shall not be liable for:

• Any direct, indirect, incidental, or consequential damages
• Financial losses resulting from use of our information
• Damages resulting from interruption of service
• Any amount exceeding the fees paid for our services

12. Indemnification

You agree to indemnify and hold harmless Fiery Paths, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

• Your violation of these Terms of Service
• Your use of our services
• Your violation of any rights of another person or entity

13. Third-Party Links

Our website may contain links to third-party websites. These links are provided for convenience only. We do not endorse or assume responsibility for the content, privacy policies, or practices of third-party sites.

14. Termination

We reserve the right to terminate or suspend your access to our services immediately, without prior notice, for any reason, including:

• Violation of these Terms of Service
• Fraudulent or illegal activity
• Disruption of our services
• Non-payment of fees

15. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these terms will be subject to the exclusive jurisdiction of the courts of England and Wales.

16. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated revision date. Continued use of our services after changes constitutes acceptance of the new terms.

17. Severability

If any provision of these Terms of Service is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the remainder of the terms remain in full force and effect.

18. Contact Information

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

19. Entire Agreement

These Terms of Service, together with our Privacy Policy and any additional terms for specific services, constitute the entire agreement between you and Fiery Paths regarding the use of our services.