Terms of Use

Agreement to Terms

By accessing or using the Silent Syllabus website (silent-syllabus.com) and our services, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our website or services.

These terms constitute a legally binding agreement between you and Silent Syllabus regarding your use of our website and services.

Description of Services

Silent Syllabus provides financial education services including, but not limited to:

• Personal budgeting guidance
• Debt management strategies
• Savings and emergency fund planning
• Investment fundamentals education
• Ongoing financial coaching

Our services are educational in nature. We do not provide regulated financial advice, investment recommendations, or act as financial advisers.

Important Disclaimer

Silent Syllabus is not a regulated financial adviser. The information and education we provide should not be construed as personalised financial advice. Before making any financial decisions, you should:

• Consider your individual circumstances
• Consult with a qualified, regulated financial adviser if needed
• Conduct your own research
• Take full responsibility for your financial decisions

User Eligibility

To use our website and services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding agreements
• Provide accurate and complete information when requested
• Use our services for lawful purposes only

User Responsibilities

When using our website and services, you agree to:

• Provide accurate, current, and complete information
• Maintain the confidentiality of any account credentials
• Notify us immediately of any unauthorised use of your account
• Not use our services for any illegal or unauthorised purpose
• Not attempt to interfere with the proper functioning of our website
• Not copy, modify, or distribute our content without permission

Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Silent Syllabus or our licensors and is protected by copyright and other intellectual property laws.

You may not:

• Reproduce, distribute, or create derivative works from our content
• Use our trademarks or branding without written permission
• Remove any copyright or proprietary notices from our materials
• Use our content for commercial purposes without authorisation

Service Terms and Payment

When you purchase our services:

• Prices are as quoted on our website and are in British Pounds (GBP)
• Payment is due as specified at the time of booking
• We reserve the right to modify prices at any time
• Specific terms for each service will be provided upon booking

Cancellation and Refunds

Our cancellation and refund policy:

• Cancellations must be made at least 48 hours before a scheduled session
• Refunds for cancelled services will be processed within 14 days
• We reserve the right to refuse refunds for services already rendered
• Specific cancellation terms may apply to different services

Limitation of Liability

To the fullest extent permitted by law:

• Silent Syllabus shall not be liable for any indirect, incidental, special, consequential, or punitive damages
• Our total liability for any claims arising from your use of our services shall not exceed the amount you paid for the specific service
• We are not responsible for any financial losses resulting from decisions you make based on our educational content
• We do not guarantee any specific financial outcomes

Disclaimers

Our website and services are provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that our services will be uninterrupted or error-free
• Warranties regarding the accuracy or completeness of content

Third-Party Links

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

• Control or endorse third-party websites
• Accept responsibility for their content or practices
• Guarantee their accuracy, reliability, or security

Your use of third-party websites is at your own risk.

Indemnification

You agree to indemnify, defend, and hold harmless Silent Syllabus and our officers, 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 third parties
• Any content you submit to us

Termination

We reserve the right to:

• Suspend or terminate your access to our services at any time
• Refuse service to anyone for any reason
• Modify or discontinue any aspect of our services

Upon termination, your right to use our services will cease immediately.

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 your use of our services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after any changes indicates your acceptance of the modified terms.

We encourage you to review these terms periodically.

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, and the remaining provisions shall remain in full force and effect.

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 Silent Syllabus regarding your use of our website and services.

Contact Information

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

Email: [email protected]
Address: 47 Chancery Lane, London WC2A 1PL, United Kingdom