Last Updated: May 6, 2026
By accessing and using the spindle-byte website and services, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you must not use our website or services.
spindle-byte provides financial planning and consultation services designed to help individuals improve their financial management, including but not limited to:
Our services are provided for educational and planning purposes. They do not constitute financial advice regulated under the Financial Services and Markets Act 2000.
You must be at least 18 years old to use our services. By using our website, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms of Use.
When using our website and services, you agree to:
Our services are provided on an "as is" and "as available" basis. We make no warranties, expressed or implied, regarding:
The information and services we provide are for educational and planning purposes only. They are not intended to be, and should not be construed as, professional financial advice as defined under UK financial regulations. Individual results may vary based on personal circumstances, market conditions, and implementation of recommendations.
We do not guarantee specific financial outcomes. Past performance or hypothetical scenarios do not guarantee future results. Financial markets are inherently unpredictable, and outcomes can be affected by numerous factors beyond our control.
All content on this website, including text, graphics, logos, images, and software, is the property of spindle-byte or its content suppliers and is protected by copyright, trademark, and other intellectual property laws.
You may not:
Fees for our services are as stated on our website at the time of your service request. By requesting a service, you agree to pay the stated fee upon completion of the service delivery.
Payment terms will be communicated during the consultation phase. All fees are in British Pounds (GBP) unless otherwise specified.
If you wish to cancel a service request before work has commenced, please contact us immediately. Refund eligibility will be determined based on the stage of service delivery:
To the fullest extent permitted by law, spindle-byte shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:
Our total liability to you for any claim arising from or related to our services shall not exceed the amount you paid for the specific service giving rise to the claim.
You agree to indemnify, defend, and hold harmless spindle-byte, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising from:
Your use of our services is also governed by our Privacy Policy and GDPR compliance documentation. By using our services, you consent to our collection, use, and disclosure of your information as described in those policies.
Our website may contain links to third-party websites or services. These links are provided for your convenience only. We do not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party sites or services.
We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without notice. We may also update these Terms of Use periodically. Material changes will be communicated by updating the "Last Updated" date at the top of this page.
Your continued use of our services after such changes constitutes acceptance of the modified terms.
We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including breach of these Terms of Use.
Upon termination, your right to use our services will immediately cease. Provisions that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.
In the event of any dispute arising from these Terms of Use or our services, you agree to first attempt to resolve the dispute informally by contacting us. We will make reasonable efforts to resolve the matter amicably.
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 principles.
Any legal action or proceeding arising from these Terms of Use shall be brought exclusively in the courts of England and Wales, and you consent to the personal jurisdiction of such courts.
If any provision of these Terms of Use is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.
These Terms of Use, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and spindle-byte regarding the use of our services.
Our failure to enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative.
You may not assign or transfer these Terms of Use or any rights granted hereunder without our prior written consent. We may assign our rights and obligations under these terms without restriction.
If you have questions or concerns about these Terms of Use, please contact us:
spindle-byte
47 Bishops Gate
London EC2N 3AQ
United Kingdom
Email: [email protected]
By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.