Terms of Service

1. Acceptance of Terms

By accessing and using the Chunky cruise website and services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Company Information

Chunky cruise is a financial education service provider based in the United Kingdom.

3. Description of Services

Chunky cruise provides educational content and resources related to:

• Personal finance management
• Investment education and strategies
• UK tax planning guidance
• Budgeting and saving techniques
• Financial literacy articles and resources
• Newsletter subscription services

4. Educational Nature of Content

Important Notice: All content provided by Chunky cruise is for educational purposes only and should not be considered as:

• Professional financial advice
• Investment recommendations
• Tax advice
• Legal counsel
• Regulatory guidance

You should always consult with qualified financial advisors, tax professionals, or legal experts before making any financial decisions.

5. User Responsibilities

As a user of our services, you agree to:

• Provide accurate and truthful information when requested
• Use our services only for lawful purposes
• Respect intellectual property rights
• Not attempt to disrupt or damage our website or services
• Not use our content for commercial purposes without permission
• Maintain the confidentiality of any account credentials

6. Intellectual Property Rights

All content on this website, including but not limited to text, graphics, logos, images, articles, and software, is the property of Chunky cruise and is protected by UK and international copyright laws.

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

7. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of our services, to understand our practices regarding the collection and use of your personal information.

8. Newsletter and Communications

By subscribing to our newsletter, you consent to receive educational content and updates via email. You may unsubscribe at any time using the unsubscribe link provided in our emails.

9. Disclaimers

9.1 No Financial Advice

We do not provide personalised financial advice. Our content is general in nature and may not be suitable for your specific financial situation.

9.2 Market Risk

All investments carry risk, including the potential for loss of principal. Past performance does not guarantee future results.

9.3 Accuracy of Information

While we strive to provide accurate and up-to-date information, we cannot guarantee the completeness or accuracy of all content. Financial regulations and market conditions change frequently.

9.4 Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content or practices of these external sites.

10. Limitation of Liability

To the fullest extent permitted by law, Chunky cruise shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Your use of our website or services
• Any errors or omissions in our content
• Financial decisions made based on our educational content
• Service interruptions or technical issues
• Unauthorised access to your information

11. Indemnification

You agree to indemnify and hold harmless Chunky cruise from any claims, damages, or expenses arising from your use of our services or violation of these terms.

12. Service Availability

We strive to maintain continuous service availability but cannot guarantee uninterrupted access. We reserve the right to suspend or discontinue services for maintenance, updates, or other operational reasons.

13. Age Restrictions

Our services are intended for individuals aged 18 and over. We do not knowingly collect information from or provide services to minors under 18.

14. Modifications to Services

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice. We may also update our educational content to reflect current financial regulations and best practices.

15. Termination

We may terminate or suspend your access to our services immediately, without prior notice, if you violate these Terms of Service or engage in behaviour that we deem harmful to our services or other users.

16. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the English courts.

17. Severability

If any provision of these terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining terms shall remain in full force and effect.

18. Changes to Terms

We reserve the right to update these Terms of Service at any time. Changes will be posted on this page with an updated effective date. Your continued use of our services after any changes constitutes acceptance of the new terms.

19. Contact Information

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

20. Regulatory Compliance

While we provide educational content about financial topics, we are not regulated by the Financial Conduct Authority (FCA) as we do not provide financial advice or regulated financial services. Our role is strictly educational.

For regulated financial advice, please consult with FCA-authorised financial advisors.

21. Entire Agreement

These Terms of Service, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Chunky cruise regarding the use of our services.