Terms of Use

Agreement to Terms

These Terms of Use constitute a legally binding agreement between you and Nova Scholar Limited ("Nova Scholar," "we," "us," or "our") concerning your access to and use of the nova-scholar.com website and any related services (collectively, the "Services").

By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our Services.

About Nova Scholar

Nova Scholar Limited is a company registered in England and Wales with company number 09247856. Our registered office is located at 42 Stokes Croft, Bristol BS1 3QD, United Kingdom.

We provide financial education services, consultations, and workshops. We are not authorized by the Financial Conduct Authority to provide regulated financial advice or sell financial products.

Services Description

Nova Scholar offers educational services related to personal and business financial management, including but not limited to:

• Personal financial consultations
• Educational workshops and training sessions
• Small business financial planning support
• Ongoing advisory services

Our services are educational in nature. We provide information, guidance, and tools to help you make informed financial decisions, but we do not provide regulated investment advice, manage funds, or sell financial products.

Eligibility

You must be at least 18 years old to use our Services. By using our Services, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.

User Responsibilities

When using our Services, you agree to:

• Provide accurate, current, and complete information when requested
• Maintain the confidentiality of any account credentials
• Use the Services only for lawful purposes and in accordance with these Terms
• Not interfere with or disrupt the Services or servers connected to the Services
• Not attempt to gain unauthorized access to any portion of the Services
• Not transmit any viruses, malware, or other malicious code
• Not engage in any activity that could harm, disable, or impair the Services

Intellectual Property Rights

All content on our website, including text, graphics, logos, images, and software, is the property of Nova Scholar Limited or our content suppliers and is protected by United Kingdom and international copyright laws.

You may view, download, and print content from our website for personal, non-commercial use only. You may not:

• Modify, reproduce, or publicly display content without our written permission
• Use content for commercial purposes without a license from us
• Remove copyright or other proprietary notices from content
• Transfer content to another person or "mirror" it on any other server

The Nova Scholar name and logo are trademarks of Nova Scholar Limited. You may not use these trademarks without our prior written consent.

Service Engagement and Payment

When you engage our services, the following terms apply:

• Booking: Services are provided by appointment only. Booking confirms your agreement to these Terms and our service-specific terms.
• Payment: Payment is required at the time of booking or as otherwise agreed. Prices are in British Pounds and include VAT where applicable.
• Cancellation: If you need to cancel or reschedule, please notify us at least 48 hours in advance. Cancellations with less than 48 hours notice may result in forfeiture of payment.
• Refunds: Refunds are provided at our discretion. Generally, refunds are not available once a service has been delivered.

Educational Nature of Services

It is crucial to understand that our services are educational in nature. We provide information and guidance to help you understand financial concepts and make informed decisions. However:

• We do not provide regulated financial advice as defined by the Financial Conduct Authority
• We do not recommend specific investment products or securities
• We do not manage money or investment portfolios
• Our guidance should not be considered a substitute for professional regulated advice where required

If you need regulated financial advice, investment management, or specific product recommendations, you should consult an authorized financial advisor.

Disclaimer of Warranties

To the fullest extent permitted by law, our Services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not warrant that:

• The Services will meet your specific requirements
• The Services will be uninterrupted, timely, secure, or error-free
• Any errors in the Services will be corrected
• The information provided will achieve particular financial results

You acknowledge that financial outcomes depend on many factors beyond our control, and we cannot guarantee specific results from implementing any strategies discussed.

Limitation of Liability

To the maximum extent permitted by law, Nova Scholar Limited, its directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, or other intangible losses resulting from:

• Your access to or use of (or inability to access or use) the Services
• Any conduct or content of any third party
• Unauthorized access, use, or alteration of your content or communications
• Financial decisions made based on information provided through our Services

Our total liability to you for all claims arising from or related to the Services shall not exceed the amount you paid us for services in the six months preceding the claim.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for consequential damages. In such jurisdictions, our liability will be limited to the greatest extent permitted by law.

Indemnification

You agree to defend, indemnify, and hold harmless Nova Scholar Limited and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising from:

• Your use of the Services
• Your violation of these Terms
• Your violation of any rights of another person or entity
• Any content you submit or transmit through the Services

Third-Party Links

Our website may contain links to third-party websites or resources. We provide these links for your convenience, but we do not endorse and are not responsible for the content, products, or services available from these external sites.

Your use of third-party websites is at your own risk and subject to the terms and conditions of those sites. We encourage you to review the privacy policies and terms of any third-party sites you visit.

Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is described in our Privacy Policy. By using our Services, you consent to our collection and use of personal information as outlined in that policy.

We comply with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. For information about your data protection rights, please see our GDPR compliance information.

Confidentiality

We understand that financial information is sensitive. Any personal or financial information you share with us during consultations will be kept confidential and used only for the purposes of providing our services, except:

• Where disclosure is required by law
• Where you have given explicit consent
• Where necessary to protect our legal rights

Modifications to Terms

We reserve the right to modify these Terms at any time. If we make material changes, we will notify you by updating the "Last updated" date at the top of these Terms and, where appropriate, by sending an email notification or displaying a prominent notice on our website.

Your continued use of the Services after any changes indicates your acceptance of the revised Terms. If you do not agree to the modified Terms, you must stop using the Services.

Modifications to Services

We reserve the right to modify, suspend, or discontinue any aspect of the Services at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Services.

Termination

We may terminate or suspend your access to the Services immediately, without prior notice or liability, for any reason, including if you breach these Terms.

Upon termination, your right to use the Services will cease immediately. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Governing Law and Dispute Resolution

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

Any disputes arising from or relating to these Terms or the Services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Before initiating any formal proceedings, we encourage you to contact us directly to see if we can resolve the matter informally.

Severability

If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision will be modified to reflect the parties' intention or eliminated to the minimum extent necessary. The remainder of these Terms will continue in full force and effect.

Waiver

No waiver of any term or condition of these Terms shall be deemed a further or continuing waiver of such term or any other term. Our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us on the Services, constitute the entire agreement between you and Nova Scholar Limited regarding the Services and supersede all prior agreements and understandings, whether written or oral.

Contact Information

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

Email: [email protected]
Post: Nova Scholar Limited, 42 Stokes Croft, Bristol BS1 3QD, United Kingdom