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Terms of Use

Last updated: May 11, 2026

Agreement to Terms

By accessing or using the fuzzy-competence website and 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.

Description of Services

fuzzy-competence provides financial education and planning services. Our services include personalized financial strategy development, investment education, and related consulting services as described on our website.

Use of Website

Permitted Use

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

  • Use the website in any way that violates applicable laws or regulations
  • Attempt to gain unauthorized access to any portion of the website
  • Interfere with or disrupt the website or servers
  • Transmit any viruses, malware, or harmful code
  • Collect or harvest personal information about other users
  • Use automated systems to access the website without permission

User Accounts

If you create an account on our website, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

Intellectual Property Rights

All content on this website, including text, graphics, logos, images, and software, is the property of fuzzy-competence or its content suppliers and is protected by United Kingdom and international copyright laws.

You may not reproduce, distribute, modify, or create derivative works from our content without express written permission.

Service Terms

Service Engagement

When you engage our services, you agree to:

  • Provide accurate and complete information
  • Respond to our requests for information in a timely manner
  • Pay all fees as agreed upon
  • Inform us of any material changes to your financial situation

Service Limitations

Our services are educational and advisory in nature. We do not:

  • Manage investments on your behalf
  • Guarantee specific financial outcomes
  • Provide legal or tax advice (consult appropriate professionals)
  • Make investment decisions for you

Financial Disclaimer

The information and strategies provided through our services are for educational purposes. Past performance does not guarantee future results. All investments carry risk, including potential loss of principal.

You are solely responsible for evaluating the merits and risks of any financial decisions you make based on our advice or education.

Payment Terms

All fees for services are as stated on our website or in service agreements. Payment is due as specified in your service agreement. We reserve the right to suspend or terminate services for non-payment.

Cancellation and Refunds

Cancellation and refund policies are specified in individual service agreements. Generally, refunds may be available if requested within a specified period before service delivery begins.

Limitation of Liability

To the fullest extent permitted by law, fuzzy-competence 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.

Our total liability for any claims arising from our services shall not exceed the amount you paid for the specific service giving rise to the claim.

Indemnification

You agree to indemnify and hold fuzzy-competence harmless from any claims, losses, damages, liabilities, and expenses arising from your use of our website or services, or your violation of these Terms of Use.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of these external sites. Use of third-party websites is at your own risk.

Privacy

Your use of our website and services is also governed by our Privacy Policy. Please review it to understand our data practices.

Modifications to Terms

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

Modifications to Services

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice.

Governing Law

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

Dispute Resolution

Any disputes arising from these terms or our services shall be resolved through good faith negotiation. If negotiation fails, disputes 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 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 service agreements, constitute the entire agreement between you and fuzzy-competence regarding use of our website and services.

Contact Information

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

Email: [email protected]
Address: 42 Kingsway, London WC2B 6EX, United Kingdom

fuzzy-competence

Evidence-based financial education and planning for lasting wealth.

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