comet-sparrow

Last Updated: January 2026

These Terms of Use ("Terms") govern your access to and use of the comet-sparrow website located at comet-sparrow.com ("Website") and any services offered through it ("Services"). By accessing or using our Website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Website.

Acceptance of Terms

By accessing this Website, you confirm that you are at least 18 years of age and are legally capable of entering into binding contracts. If you are accessing the Website on behalf of an organisation, you represent that you have the authority to bind that organisation to these Terms.

Description of Services

comet-sparrow provides educational and advisory services related to financial management, including budget planning, investment guidance, retirement planning, and related topics. Our services are designed to provide general financial education and should not be considered as regulated financial advice.

Nature of Information

The information provided on this Website is for general informational and educational purposes only. It does not constitute:

Regulated financial advice
Investment recommendations
Tax advice
Legal advice
Accounting advice

You should consult with qualified professionals before making any financial decisions based on information found on this Website or received through our Services.

User Responsibilities

When using our Website and Services, you agree to:

Provide accurate and complete information when requested
Use the Website only for lawful purposes
Not attempt to gain unauthorised access to any part of the Website
Not use the Website in any way that could damage, disable, or impair it
Not transmit any viruses, malware, or other harmful code
Not collect or harvest any information from the Website without permission
Not impersonate any person or entity

Intellectual Property

All content on this Website, including text, graphics, logos, images, and software, is the property of comet-sparrow or its content suppliers and is protected by United Kingdom and international copyright 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 maintain all copyright and proprietary notices.

You may not:

Republish material from this Website without attribution
Sell, rent, or sub-license material from this Website
Reproduce, duplicate, or copy material for commercial purposes
Redistribute content from this Website except as expressly permitted

Service Bookings and Payments

When booking Services through our Website:

All prices are displayed in British Pounds (GBP) and include VAT where applicable
Booking a service constitutes an offer to purchase, which we may accept or decline
Payment is required before the scheduled consultation unless otherwise arranged
We reserve the right to change prices at any time, though changes will not affect confirmed bookings

Cancellation Policy

If you need to cancel or reschedule a booked consultation:

Notice of 48 hours or more: Full refund or free rescheduling
Notice of 24-48 hours: 50% refund or rescheduling subject to availability
Notice of less than 24 hours: No refund, though we may offer rescheduling at our discretion

We reserve the right to cancel or reschedule consultations due to unforeseen circumstances. In such cases, we will offer a full refund or alternative appointment time.

Limitation of Liability

To the fullest extent permitted by law:

We provide the Website and Services on an "as is" and "as available" basis
We make no warranties, express or implied, regarding the Website or Services
We do not guarantee that the Website will be uninterrupted, secure, or error-free
We are not liable for any indirect, incidental, special, or consequential damages
Our total liability shall not exceed the amount you paid for Services in the preceding 12 months

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

Indemnification

You agree to indemnify and hold harmless comet-sparrow, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the Website or Services, your violation of these Terms, or your violation of any rights of a third party.

Third-Party Links

Our Website may contain links to third-party websites. These links are provided for your convenience only. We do not control these websites and are not responsible for their content, privacy policies, or practices. Accessing third-party websites is at your own risk.

Privacy

Your use of the Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

Modifications to Terms

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

We encourage you to review these Terms periodically for any updates.

Termination

We may terminate or suspend your access to the Website at any time, without notice, for any reason, including if we believe you have violated these Terms. Upon termination, your right to use the Website will immediately cease.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of England and Wales.

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 continue in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published on the Website, constitute the entire agreement between you and comet-sparrow regarding your use of the Website and Services.

Contact Information

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

comet-sparrow
45 Colmore Row
Birmingham, B3 2AA
United Kingdom
Email: [email protected]