Terms of Use

Last updated: 1 September 2026

Agreement to Terms

By accessing or using the quaint-point website (quaint-point.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 quaint-point regarding your use of our website and services.

Description of Services

quaint-point provides financial literacy education services, including but not limited to:

• Personal finance assessments
• Budgeting workshops and courses
• Investment education programmes
• Debt management workshops
• Retirement planning educational sessions

All services are educational in nature and are designed to improve financial understanding and decision-making skills.

Important Disclaimer

We provide financial education, not financial advice. quaint-point is not authorised or regulated by the Financial Conduct Authority (FCA) to provide financial advice. Our services are educational and should not be considered as:

• Personalised financial advice
• Investment recommendations
• Tax advice
• Mortgage or lending advice
• Pension transfer advice

For specific financial decisions, we recommend consulting with an appropriately qualified and FCA-regulated professional.

User Responsibilities

By using our website and services, you agree to:

• Provide accurate and complete information when requested
• Use our services only for lawful purposes
• Not misrepresent your identity or affiliation
• Not attempt to gain unauthorised access to our systems
• Not use our content for commercial purposes without permission
• Respect the intellectual property rights of quaint-point and third parties

Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, audio clips, video clips, data compilations, and software, is the property of quaint-point or its content suppliers and is protected by UK and international copyright laws.

You may:

• View and print content for personal, non-commercial use
• Share links to our website

You may not:

• Reproduce, duplicate, copy, sell, or exploit any content for commercial purposes
• Modify or create derivative works from our content
• Remove or alter any copyright or proprietary notices

Service Bookings and Payments

When you book a service with quaint-point:

• Prices are as stated on our website at the time of booking
• Payment is required at the time of booking unless otherwise agreed
• All prices are in British Pounds Sterling (GBP) and include VAT where applicable

Cancellation Policy

• Cancellations made more than 7 days before a scheduled session: full refund
• Cancellations made 3-7 days before: 50% refund
• Cancellations made less than 3 days before: no refund
• We reserve the right to cancel or reschedule sessions, in which case we will offer a full refund or alternative date

Limitation of Liability

To the fullest extent permitted by law:

• quaint-point provides its website and services "as is" without warranties of any kind
• We do not guarantee that the website will be uninterrupted, secure, or error-free
• We are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services
• Our total liability for any claims arising from these terms or your use of our services shall not exceed the amount you paid for the specific service in question

Educational Content Disclaimer

The educational content provided through our services:

• Is for general informational purposes only
• Should not be relied upon as a substitute for professional advice
• May not be suitable for your specific circumstances
• Does not guarantee any particular financial outcomes

Your financial decisions and their outcomes remain your sole responsibility. Individual results vary based on numerous factors including personal discipline, market conditions, and circumstances beyond our control.

Indemnification

You agree to indemnify and hold harmless quaint-point, its directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of our website or services
• Your violation of these terms
• Your violation of any rights of a third party

Third-Party Links

Our website may contain links to third-party websites or resources. These links are provided for your convenience only. We do not endorse and are not responsible for the content, products, or services offered by third parties. Your use of third-party websites is at your own risk.

Modifications to Terms

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

We encourage you to review these terms periodically. Material changes will be highlighted on our website.

Termination

We may terminate or suspend your access to our website and services, without prior notice or liability, for any reason, including if you breach these terms. Upon termination, your right to use our services will immediately cease.

Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions. Any disputes arising under these terms 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-specific agreements, constitute the entire agreement between you and quaint-point regarding your use of our website and services.

Contact Information

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

quaint-point
47 Kensington High Street
London, W8 5ED
United Kingdom

Email: [email protected]