Terms of Use

These terms govern your use of the peppy-tread website and our services. By accessing our website or engaging our services, you agree to be bound by these terms.

About These Terms

These Terms of Use, together with our Privacy Policy and any specific service agreements, form the complete agreement between you and peppy-tread regarding your use of our website and services.

Please read these terms carefully. If you do not agree with any part of these terms, you should not use our website or services.

Who We Are

peppy-tread is a trading name of peppy-tread Ltd, a company registered in England and Wales with company number 09182736. Our registered office is Suite 14, Wellington House, 36 Wellington Street, Leeds, LS1 2DE, United Kingdom.

Our Services

peppy-tread provides financial management education and guidance services. It is important to understand what we do and do not offer:

• We provide general financial education and guidance
• We help you understand your financial position and options
• We create personalised budgets and financial plans
• We do not provide regulated financial advice
• We do not recommend specific financial products
• We do not manage investments on your behalf

For regulated financial advice on investments, pensions, or insurance products, you should consult an appropriately authorised financial adviser.

Website Use

You may use our website for lawful purposes only. You must not:

• Use the website in any way that breaches applicable laws or regulations
• Use the website in any way that is fraudulent or deceptive
• Attempt to gain unauthorised access to any part of the website or its systems
• Transmit any malicious code, viruses, or harmful data
• Collect or harvest any information from the website without our consent
• Use automated systems to access the website in a way that exceeds reasonable use

Intellectual Property

All content on this website, including text, graphics, logos, and design elements, is owned by peppy-tread or our licensors and is protected by copyright and other intellectual property laws.

You may view, download, and print pages from this website for your personal, non-commercial use, provided you do not modify the content and retain all copyright and proprietary notices.

You may not reproduce, distribute, or use any content from this website for commercial purposes without our prior written consent.

Information Accuracy

We make reasonable efforts to ensure the information on our website is accurate and up to date. However, the content is provided for general information purposes only and should not be relied upon as a substitute for professional advice specific to your circumstances.

Financial information and general guidance on our website may not reflect the most current legal or financial developments. We recommend verifying any information with appropriate professional advisers before making financial decisions.

Service Engagement Terms

When you engage our services, additional terms may apply:

Bookings and Payments

• Service fees are as stated at the time of booking
• Payment is required before or at the time of service delivery, unless otherwise agreed
• All prices are in pounds sterling (GBP) and inclusive of VAT where applicable

Cancellations

• Cancellations made 48 hours or more before a scheduled session receive a full refund
• Cancellations within 48 hours may be rescheduled or receive a 50% refund
• No-shows forfeit the session fee
• We reserve the right to cancel or reschedule sessions with reasonable notice

Your Responsibilities

When engaging our services, you agree to:

• Provide accurate and complete information about your financial situation
• Inform us of any changes to your circumstances that may affect our guidance
• Attend scheduled sessions on time or provide reasonable notice if unable to attend
• Use the guidance provided responsibly and seek additional professional advice where appropriate

Confidentiality

We treat all information you share with us as confidential. We will not disclose your personal or financial information to third parties except:

• With your explicit consent
• Where required by law or regulatory obligation
• To protect our rights or safety, or the rights or safety of others

Limitation of Liability

To the fullest extent permitted by law:

• We provide our website and services on an "as is" basis without warranties of any kind
• We do not guarantee that our services will meet your specific requirements or achieve particular financial outcomes
• We are not liable for any indirect, consequential, or incidental damages arising from your use of our website or services
• Our total liability for any claim arising from our services is limited to the fees you paid for the relevant service

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

Indemnification

You agree to indemnify and hold peppy-tread harmless from any claims, damages, or expenses arising from your breach of these terms or your misuse of our website or services.

Third-Party Links

Our website may contain links to third-party websites. These links are provided for convenience only and do not imply endorsement. We have no control over the content of third-party sites and accept no responsibility for them.

Changes to These Terms

We may update these terms from time to time. Changes will be posted on this page with an updated revision date. Continued use of our website or services after changes are posted constitutes acceptance of the revised terms.

Severability

If any provision of these terms is found 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 effect.

Governing Law

These terms are governed by the laws of England and Wales. Any disputes arising from these terms or your use of our website or services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Contact

For questions about these terms, please contact us:

peppy-tread
Suite 14, Wellington House
36 Wellington Street
Leeds, LS1 2DE
Email: [email protected]