Terms of Use

1. Agreement to Terms

By accessing and using the brisk-memo website (brisk-memo.com) and our services, you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

2. Use License

Permission is granted to temporarily access the materials (information or software) on brisk-memo's website for personal, non-commercial viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials
• Use the materials for any commercial purpose or for any public display
• Attempt to decompile or reverse engineer any software contained on brisk-memo's website
• Remove any copyright or other proprietary notations from the materials
• Transfer the materials to another person or "mirror" the materials on any other server

This license shall automatically terminate if you violate any of these restrictions and may be terminated by brisk-memo at any time.

3. Services Description

brisk-memo provides financial management and advisory services including, but not limited to:

• Personal finance reviews and planning
• Business cash flow management
• Investment strategy planning
• Retirement planning
• Tax optimization consultation

Our services are advisory in nature. We do not manage investments or handle client funds directly.

4. Professional Relationship

The relationship between brisk-memo and our clients is one of professional financial advisory. We are not:

• Authorized to make investment decisions on your behalf without your explicit consent
• Acting as your accountant, tax preparer, or legal advisor
• Guaranteeing any specific financial outcomes or returns

You retain full responsibility for all financial decisions made based on our advice and recommendations.

5. Financial Advice Disclaimer

The information and advice provided by brisk-memo is for general guidance purposes only. While we strive to provide accurate and current information:

• Financial situations are unique and complex
• Past performance does not guarantee future results
• Market conditions and regulations change
• Individual circumstances vary significantly

You should not rely solely on our advice without conducting your own research or seeking additional professional opinions when appropriate.

6. Client Obligations

When engaging our services, you agree to:

• Provide accurate and complete financial information
• Disclose all material facts relevant to your financial situation
• Inform us promptly of any significant changes to your circumstances
• Review all advice and recommendations carefully
• Ask questions about anything you don't understand
• Pay agreed fees in a timely manner

7. Fees and Payment

Our service fees are clearly stated on our Services page. By booking a consultation, you agree to pay the stated fee for the selected service. Payment terms:

• Fees are due prior to or at the time of service delivery unless otherwise agreed
• All fees are in British Pounds (GBP)
• Fees are non-refundable once services have been delivered
• Cancellations made less than 24 hours before a scheduled consultation may be subject to a cancellation fee

8. Confidentiality

We maintain strict confidentiality regarding your financial information and personal details. We will not disclose your information to third parties except:

• With your explicit consent
• As required by law or regulatory authorities
• To service providers who assist in delivering our services (under confidentiality agreements)

See our Privacy Policy for detailed information on how we handle your data.

9. Limitation of Liability

To the fullest extent permitted by law, brisk-memo shall not be liable for:

• Any investment losses or financial damages resulting from decisions made based on our advice
• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or use
• Damages resulting from your failure to follow our recommendations
• Damages resulting from external factors beyond our control (market crashes, regulatory changes, etc.)

Our maximum liability to you for any claim shall not exceed the fees you paid for the specific service giving rise to the claim.

10. Intellectual Property

All content on the brisk-memo website, including text, graphics, logos, images, and software, is the property of brisk-memo or its content suppliers and is protected by UK and international copyright laws.

Any written plans, analyses, or recommendations we provide to you are for your personal use only and may not be reproduced, distributed, or used commercially without our written permission.

11. Third-Party Links

Our website may contain links to third-party websites or services that are not owned or controlled by brisk-memo. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

12. Termination

Either party may terminate our professional relationship at any time with written notice. Upon termination:

• You remain responsible for payment of fees for services already provided
• We will provide you with any work product completed up to the termination date
• Confidentiality obligations continue after termination

13. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these terms or our services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

14. Changes to Terms

We reserve the right to modify these Terms of Use at any time. We will notify users of any material changes by updating the "Last updated" date at the top of this page. Your continued use of our website or services after such changes constitutes acceptance of the modified terms.

15. 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 remaining terms shall remain in full force and effect.

16. Entire Agreement

These Terms of Use, together with our Privacy Policy and any specific service agreements, constitute the entire agreement between you and brisk-memo regarding the use of our website and services.

17. Complaints and Disputes

If you have a complaint about our services, please contact us first at [email protected]. We are committed to resolving disputes amicably and will work with you to find a fair resolution.

If we are unable to resolve your complaint internally, you may have the right to refer the matter to:

• The Financial Ombudsman Service (if applicable to the type of service)
• Alternative dispute resolution services
• Small claims court or other legal proceedings

18. Contact Information

For questions about these Terms of Use, please contact us:

brisk-memo Financial Services
42 Grey Street
Newcastle upon Tyne
NE1 6AE
United Kingdom
Email: [email protected]

19. Acknowledgment

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