Terms of Use

A. Acceptance of Terms

By accessing or using the Platform, you confirm that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you should not use this website.

These Terms of Use are governed by and construed in accordance with the laws of England and Wales. Any disputes arising in connection with these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

We reserve the right to update these terms at any time. The date shown at the top of this page reflects the most recent revision. Continued use of the Platform after any revision constitutes acceptance of the updated terms.

B. Nature of Content and Important Disclaimer

The Platform provides general educational content relating to personal finance fundamentals and household budgeting. This content is intended for adults in the United Kingdom who wish to improve their financial literacy and money management skills.

Nothing on this Platform constitutes regulated financial advice, investment advice, tax advice, legal advice, or any other form of professional advice. Klavelio is not authorised or regulated by the Financial Conduct Authority (FCA). We do not hold any FCA permissions and do not provide any FCA-regulated activities.

All content is general in nature and does not take into account your individual financial circumstances, objectives, or needs. You should not make specific financial decisions based solely on content accessed through this Platform. For advice specific to your personal circumstances, you should consult a suitably qualified professional, such as an FCA-regulated financial adviser.

The educational tools provided on this Platform, including the budget calculator, are illustrative only. Results produced by any interactive tool are indicative and should not be relied upon as accurate representations of your financial position.

C. Acceptable Use

You agree to use the Platform only for lawful purposes and in a manner that does not infringe the rights of others or restrict or inhibit their use of the Platform. You must not:

Use the Platform in any way that violates applicable UK or international laws or regulations. Transmit any unsolicited or unauthorised advertising or promotional material. Attempt to gain unauthorised access to any part of the Platform or any system or network connected to it. Use automated tools to scrape, crawl, or extract content from the Platform without our express written consent. Reproduce, distribute, or republish any Content from the Platform for commercial purposes without prior written permission from Klavelio.

D. Intellectual Property

All Content on the Platform, including course materials, text, images, graphics, and the overall design and layout, is owned by or licensed to Klavelio and is protected by copyright and other intellectual property laws applicable in the United Kingdom.

You may access and view Content for your own personal, non-commercial educational use. You may not copy, reproduce, modify, distribute, transmit, display, or create derivative works from any Content without our prior written consent.

The Klavelio name and any associated logos are the intellectual property of Klavelio. Nothing on this Platform grants any right to use our name or branding without express written permission.

E. Limitation of Liability

To the fullest extent permitted by applicable law, Klavelio excludes all liability for any loss or damage arising from your use of, or reliance on, any Content on the Platform. This includes, without limitation, any direct, indirect, incidental, or consequential loss.

We do not warrant that the Platform will be available at all times, free from errors, or free from viruses or other harmful components. We reserve the right to suspend or discontinue the Platform at any time without notice.

Nothing in these Terms of Use 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 under English law.

F. Third-Party Links

The Platform may contain links to third-party websites for informational purposes. These links do not constitute endorsement of those websites or their content. Klavelio has no control over and accepts no responsibility for the content, privacy practices, or availability of any third-party website.

G. Privacy and Data Protection

Your use of the Platform is also governed by our Privacy Policy, which is incorporated into these Terms of Use by reference. Our Privacy Policy explains how we collect, use, and protect your personal data in accordance with the UK GDPR and the Data Protection Act 2018. Please review our Privacy Policy carefully.

H. Cookies

The Platform uses cookies in accordance with our Cookie Policy. By continuing to use the Platform, you agree to our use of cookies as described in the Cookie Policy. You may manage your cookie preferences at any time using the consent tool on this website.

I. Contact and Complaints

If you have any questions about these Terms of Use or wish to report a concern about content on the Platform, please contact us at:

Klavelio, 278-280 City Rd, Sheffield S2 5HP
Email: [email protected]
Telephone: +44 7450 785710