1. Introduction and Acceptance
Welcome to Calm Sprout ("we," "our," or "us"). These Terms of Service ("Terms") govern your use of our website calm-sprout.com and our UK bank account assistance services. By accessing our website or using our services, you agree to be bound by these Terms.
If you do not agree with these Terms, please do not use our website or services.
2. About Our Services
Calm Sprout provides professional assistance and guidance for opening bank accounts in the United Kingdom. Our services include:
- Consultation on UK banking requirements
- Document preparation and review
- Application assistance and support
- Guidance on suitable banking options
- Follow-up support and advice
Important: We are not a bank or financial institution. We do not guarantee account approval, as final decisions rest with the banks themselves.
3. Client Responsibilities
As our client, you agree to:
- Provide accurate, complete, and truthful information
- Submit all required documentation in a timely manner
- Comply with all banking regulations and requirements
- Attend bank appointments as scheduled
- Pay all agreed fees according to our payment terms
- Notify us promptly of any changes to your circumstances
- Act in good faith throughout the process
4. Our Responsibilities
We commit to:
- Provide professional and competent assistance
- Maintain confidentiality of your personal information
- Use reasonable efforts to help you meet banking requirements
- Provide regular updates on your application progress
- Act in your best interests within the scope of our services
- Comply with all applicable laws and regulations
5. Fees and Payment
5.1 Service Fees
Our fees are based on the complexity of your requirements and will be clearly communicated before services commence. Fees may include:
- Initial consultation fees
- Document preparation charges
- Application assistance fees
- Follow-up support charges
5.2 Payment Terms
- Payment may be required in advance or according to agreed milestones
- All fees are quoted in British Pounds (GBP)
- Late payment may result in service suspension
- Refunds are subject to our refund policy outlined below
6. No Guarantee of Success
While we use our expertise to maximize your chances of success, we cannot guarantee that:
- Your bank account application will be approved
- You will be accepted by any particular bank
- The process will be completed within a specific timeframe
- You will receive specific banking products or services
Banking decisions ultimately rest with the financial institutions, and their criteria may change without notice.
7. Refund Policy
7.1 Refund Eligibility
Refunds may be available in the following circumstances:
- Service cancellation within 7 days of agreement (cooling-off period)
- Our failure to provide agreed services
- Mutual agreement to terminate services
7.2 Non-Refundable Situations
Refunds are not available when:
- Services have been substantially provided
- Bank rejection is due to client's circumstances or incomplete information
- Client fails to attend scheduled appointments
- Client breaches these terms
8. Limitation of Liability
To the maximum extent permitted by law:
- Our liability is limited to the fees paid for our services
- We are not liable for indirect, consequential, or special damages
- We are not responsible for bank decisions or delays
- We do not warrant that our services will meet all your requirements
- Our advice is based on current regulations, which may change
9. Confidentiality and Data Protection
We maintain strict confidentiality regarding your personal and financial information. Our handling of your data is governed by:
- Our Privacy Policy
- UK GDPR and Data Protection Act 2018
- Professional confidentiality standards
- Banking industry regulations
Please refer to our Privacy Policy for detailed information.
10. Intellectual Property
All content on our website, including text, graphics, logos, and software, is protected by intellectual property rights. You may not:
- Copy, reproduce, or distribute our content without permission
- Use our trademarks or branding
- Create derivative works based on our materials
- Reverse engineer any software or systems
11. Website Use and Restrictions
When using our website, you agree not to:
- Use the site for illegal or unauthorized purposes
- Transmit viruses or malicious code
- Attempt to gain unauthorized access to our systems
- Interfere with site functionality or security
- Harass other users or our staff
- Submit false or misleading information
12. Third-Party Links and Services
Our website may contain links to third-party websites or services. We are not responsible for:
- The content or practices of linked sites
- Privacy policies of external sites
- Products or services offered by third parties
- Any transactions with external providers
13. Termination
Either party may terminate our service agreement:
- With written notice according to agreed terms
- Immediately for material breach of these Terms
- If continuation becomes impossible or impractical
Termination does not affect rights and obligations that arose before termination.
14. Force Majeure
We are not liable for delays or failures in performance due to circumstances beyond our reasonable control, including:
- Natural disasters or emergencies
- Government actions or regulations
- Banking system changes or disruptions
- Technical failures or cyber attacks
- Pandemic or health emergencies
15. Dispute Resolution
15.1 Informal Resolution
We encourage resolving disputes through direct communication. Please contact us at [email protected] to discuss any concerns.
15.2 Formal Procedures
If informal resolution fails, disputes will be resolved through:
- Mediation by a neutral third party
- Arbitration if mediation is unsuccessful
- UK courts as a last resort
16. Governing Law
These Terms are governed by the laws of England and Wales. Any legal proceedings will be subject to the exclusive jurisdiction of the English courts.
17. Changes to Terms
We may update these Terms periodically. Significant changes will be communicated through:
- Website notifications
- Email updates to registered users
- Service communications
Continued use of our services after changes indicates acceptance of updated Terms.
18. Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
19. Contact Information
For questions about these Terms or our services, please contact us:
20. Entire Agreement
These Terms, together with our Privacy Policy and any specific service agreements, constitute the entire agreement between you and Calm Sprout regarding the use of our services.