Terms of Use
Last updated: June 15, 2026
Agreement to Terms
By accessing and using this website, you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using this site.
Use License
Permission is granted to temporarily access the materials on this website for personal, non-commercial viewing only. This is a license grant, not a transfer of title, and under this license you may not:
- Modify or copy the materials
- Use the materials for commercial purposes
- Attempt to reverse engineer any software on this website
- Remove any copyright or proprietary notations from materials
- Transfer materials to another person or mirror the materials on any other server
Services Disclaimer
The financial guidance and consultation services offered through this website are provided for informational purposes. While we strive to provide accurate and helpful guidance, results may vary based on individual circumstances.
Our services are not a substitute for professional financial advice from licensed professionals. We recommend consulting with qualified specialists before making significant financial decisions.
Limitations
In no event shall sepia-moss or its suppliers be liable for any damages arising out of the use or inability to use the materials on this website, even if we have been notified of the possibility of such damage.
Accuracy of Materials
The materials appearing on this website may include technical, typographical, or photographic errors. We do not warrant that any of the materials are accurate, complete, or current. We may make changes to materials at any time without notice.
Links to Third-Party Sites
This website may contain links to third-party websites that are not owned or controlled by us. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites.
User Submissions
By submitting information through our consultation request forms, you grant us permission to use this information to provide our services and communicate with you. We will handle your information in accordance with our Privacy Policy.
Intellectual Property
All content on this website, including text, graphics, logos, and images, is the property of sepia-moss or its content suppliers and is protected by copyright and other intellectual property laws.
Modification of Terms
We may revise these Terms of Use at any time without prior notice. By continuing to use this website after changes are posted, you agree to be bound by the revised terms.
Governing Law
These terms are governed by and construed in accordance with the laws of the United Kingdom, and you irrevocably submit to the exclusive jurisdiction of the courts in that location.
Service Availability
We reserve the right to modify, suspend, or discontinue any aspect of this website at any time without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuance.
Termination
We may terminate or suspend your access to this website immediately, without prior notice or liability, if you breach these Terms of Use.
Contact Information
If you have questions about these Terms of Use, please contact us at [email protected]