Terms and Conditions

Effective Date: [Insert Date]

Welcome to Highspin Consulting’s website. By using our site and services, you agree to follow and be bound by these Terms and Conditions. If you do not agree, please do not use the website.

1. Website Use

1.1 Intellectual Property

All materials on this website—including text, graphics, logos, icons, images, videos, audio, and software—are the intellectual property of Highspin Consulting or our content providers. You may not copy, reproduce, republish, download, or transmit any part of this website without written permission, except for personal, non-commercial use.

1.2 User Accounts

You may need to create an account to access certain services. When doing so, you agree to provide accurate, up-to-date information. You are responsible for safeguarding your login credentials. We reserve the right to suspend or terminate accounts that are inactive or violate our Terms.

1.3 Prohibited Activities

When using our site, you agree not to:

- Attempt unauthorized access to accounts or systems

- Upload or distribute harmful, defamatory, or illegal content

- Engage in spam, phishing, or fraud

- Impersonate another person or misrepresent your identity

- Disrupt or compromise website functionality

We reserve the right to report and remove prohibited activity and take legal action if necessary.

1.4 Links to Other Websites

Our website may include links to external sites for your convenience. These sites are not under our control, and we’re not responsible for their content or practices. Please review their privacy and terms policies separately.

2. Product and Service Use

2.1 Nature of Services

We provide training and consulting services to help clients understand and apply financial information. We do not offer tax or legal advice, and nothing on this site should be interpreted as such.

2.2 Liability Disclaimer

While we strive to provide accurate, relevant information, Highspin Consulting is not liable for any loss or damage, direct or indirect, resulting from reliance on our content or services. Use of our site and services is at your own risk.

2.3 Warranty Disclaimer

Our services are provided “as is” without warranties of any kind. We do not guarantee outcomes, uninterrupted access, or error-free content.

2.4 Payment Terms

All services must be paid for as outlined at the time of purchase. Payment methods may include credit/debit card, PayPal, or bank transfer. Late payments may result in access suspension until payment is received in full.

2.5 Returns and Refunds

Refunds may be requested within 14 days of purchase for services that haven’t been fully used. Refund decisions are at our discretion. Digital and downloadable content is non-refundable unless otherwise stated.

3. User Conduct

3.1 User Contributions

If you submit comments, testimonials, or feedback, you grant us the right to use and share your contributions in our marketing and materials. You remain responsible for what you submit, ensuring it’s lawful and appropriate.

3.2 Account Termination

We may suspend or terminate your account without notice if you breach these terms or engage in conduct that could harm our business or other users.

3.3 Data Privacy

We respect your privacy. Your data will be handled according to our Privacy Policy and used only for service delivery and improvement. We will never sell your information.

4. Other Important Clauses

4.1 Governing Law

These Terms are governed by the laws of the United Kingdom. Disputes will be resolved in the UK courts.

4.2 Changes to Terms

We may update these Terms from time to time. Updates will be posted on this page. Continued use after changes constitutes acceptance.

4.3 Contact Information

Highspin Consulting

1 Latheron Building

Quay Street, Ullapool

Highlands, UK, IV26 2XA

Email: [Insert Email]

Phone: [Insert Phone]