Terms of service

Bahagia Finance Consultancy – Terms and Conditions

1. Introduction

Welcome to Bahagia Finance Consultancy. These Terms and Conditions govern your access to and use of our services, ensuring transparency and trust. By accessing our website or utilizing our consultancy services, you acknowledge and agree to these terms. If you do not agree with any part of these Terms and Conditions, you must discontinue use of our services immediately.

2. Definitions

• "Company," "we," "our," "us" refer to Bahagia Finance Consultancy.
• "User," "you," "your" refer to any individual or entity accessing or using our services.
• "Services" refer to all financial consultancy services we provide, including but not limited to advisory, loan facilitation, investment guidance, financial planning, and risk assessment.

3. Eligibility

To utilize our services, you must:

• Be at least 18 years old and capable of forming legally binding agreements.
• Ensure that your use of our services complies with all applicable laws and regulations.
• Provide accurate personal or business information as required for service provision.

We reserve the right to decline service if eligibility requirements are not met.

4. Scope of Services

Bahagia Finance Consultancy provides a broad range of financial services, including but not limited to:

• Personal and Business Financial Planning – Helping individuals and businesses set realistic financial goals, manage assets, and plan for future financial success.
• Loan and Credit Advisory – Assisting clients in understanding creditworthiness, improving credit scores, and securing suitable loan options.
• Investment Strategies – Providing insights into profitable and risk-mitigated investment opportunities.
• Risk Assessment and Management – Evaluating potential financial risks and developing strategies to mitigate them.
• Financial Literacy and Education – Equipping clients with knowledge on financial management, budgeting, and wealth-building.

Our services are intended for informational and advisory purposes only. They should not be considered as definitive legal, tax, or investment advice. We strongly recommend that users consult with certified professionals before making financial decisions.

5. User Responsibilities

By engaging with our services, you agree to:

• Provide truthful, up-to-date, and complete financial information.
• Use our services only for lawful and ethical financial planning and management.
• Maintain confidentiality of account details, including login credentials (if applicable).
• Immediately report any unauthorized access to your information.
• Avoid fraudulent, abusive, or misleading activities when using our services.

Non-compliance with these responsibilities may lead to termination of service access or legal action.

6. Fees and Payments

Certain services may require fees, and by using them, you agree to:

• Pay all associated costs as outlined in our pricing structure or direct communications.
• Make payments through the accepted payment methods specified by us.
• Acknowledge that failure to make timely payments may result in service suspension.
• Comply with our refund and cancellation policies where applicable.

We reserve the right to adjust pricing and fees at our discretion, with prior notification where necessary.

7. Privacy and Data Protection

Your privacy is a priority for us. Our Privacy Policy outlines how we collect, use, store, and protect your personal and financial information. By engaging with our services, you consent to our data practices. We take stringent measures to safeguard your data from unauthorized access, ensuring compliance with applicable data protection laws.

8. Intellectual Property Rights

All content, including but not limited to text, graphics, trademarks, and service descriptions on our website and materials, is owned by Bahagia Finance Consultancy and is protected under intellectual property laws.

Users may not:

• Copy, distribute, or republish any material without prior written consent.
• Use any of our proprietary content for commercial purposes without authorization.

Unauthorized use of our intellectual property may result in legal action.

9. Limitation of Liability

While we strive to provide accurate and reliable financial consultancy services, we do not guarantee specific outcomes. We are not liable for:

• Any financial losses or damages resulting from reliance on our consultancy services.
• Decisions made by third-party institutions based on our advisory services.
• Technical failures, system interruptions, or security breaches beyond our control.

To the maximum extent permitted by law, our liability is limited to the fees paid by you for our services, if applicable.

10. Third-Party Links and Services

Our website or services may include links to third-party websites or financial institutions. These links are provided for convenience, but we do not endorse or assume responsibility for their content, services, or security practices. Users should review the respective terms and privacy policies before engaging with third parties.

11. Service Modifications and Termination

We reserve the right to modify, update, or discontinue any aspect of our services at any time. Additionally, we may terminate or restrict user access if:

• There is a violation of these Terms and Conditions.
• Fraudulent or suspicious activities are detected.
• Payment obligations are unmet.

Users will be notified of significant modifications where applicable.

12. Governing Law and Dispute Resolution

These Terms and Conditions are governed by the laws of England and Wales. Any disputes shall first be resolved through amicable negotiations. If an agreement cannot be reached, disputes will be subject to the jurisdiction of the courts of England and Wales.

13. Changes to These Terms

We may revise these Terms and Conditions periodically to align with regulatory changes, service improvements, or business needs. Any updates will be published on our website, and continued use of our services indicates acceptance of the revised terms.