General Conditions of Sale for Firm Foundation by Fathom Consulting

1. Introduction

These General Conditions of Sale govern the relationship between Firm Foundation by Fathom Consulting (hereafter referred to as "the Company") and its clients (hereafter referred to as "the Client") concerning the purchase of services or products offered by the Company. By engaging with the Company’s services, the Client agrees to be bound by these terms.

2. Definitions

Services: Refers to the financial advice, educational materials, consulting services, and any other offerings provided by the Company.
Products: Includes any digital or physical products, such as courses, workbooks, or guides, offered for sale by the Company.
Client: Refers to any individual or entity purchasing services or products from the Company.

3. Acceptance of Terms

By purchasing services or products, the Client acknowledges having read, understood, and accepted these General Conditions of Sale. The Client is responsible for reviewing these terms prior to any purchase.

4. Services and Products

4.1 Description
The Company provides financial consulting and education designed to help individuals and families build a solid financial foundation. The details of each service and product, including its scope, format, and content, are outlined on the Company’s website and marketing materials. The Company reserves the right to modify these offerings at any time.

4.2 Tailored Services
In the case of bespoke consulting services, a separate agreement detailing the specific terms, fees, and scope will be entered into between the Company and the Client.

5. Pricing and Payment Terms

5.1 Pricing
All prices are quoted in GBP (£) and are inclusive of applicable taxes unless otherwise stated. The Company reserves the right to adjust pricing at any time but will honor the price agreed upon at the time of purchase.

5.2 Payment Terms
Payments must be made in full upon order unless otherwise agreed in writing. Accepted payment methods include bank transfer, credit/debit card, or any other method specified by the Company. The Client agrees to provide accurate and complete payment details and is responsible for ensuring payment is made in a timely manner.

5.3 Deposits
For certain services, a deposit may be required to secure the booking. All deposits are non-refundable, regardless of the Client’s cancellation or change of plans. The Client understands that the deposit represents a commitment to proceed with the agreed service and covers initial costs borne by the Company.

5.4 Late Payments
In the event of late payments, the Company reserves the right to charge interest on overdue amounts at a rate of 4% per annum above the base rate of the Bank of England. The Company may also suspend the provision of services or access to products until full payment is received.

6. Delivery of Services and Products

6.1 Services
The Company will provide services in accordance with the schedule agreed upon with the Client. Delays due to unforeseen circumstances will be communicated to the Client, and the Company will take reasonable steps to mitigate such delays.

6.2 Digital Products
For digital products, access will be provided immediately upon receipt of full payment, unless stated otherwise. It is the Client’s responsibility to ensure they have the necessary software or hardware to access the product.

6.3 Physical Products
Physical products will be shipped within the timeframe indicated at the time of purchase. The Company is not responsible for delays caused by third-party delivery services.

7. Cancellations and Refunds

7.1 Cancellation of Services
Clients may cancel their engagement with the Company’s services, provided that the cancellation is made at least 7 business days before the scheduled start date. Cancellations made after this period may incur a charge of up to 50% of the service fee.

7.2 Refunds
Refunds for services will only be issued if the service is canceled by the Company or in the event of a significant failure to deliver the service as described. Refunds for digital products will not be offered once the product has been accessed. Refunds for physical products will be granted if returned in unused condition within 14 days of receipt. Deposits are non-refundable under any circumstances.

8. Client Obligations

8.1 Cooperation
The Client agrees to cooperate fully with the Company during the provision of services, providing necessary information and responding to queries in a timely manner.

8.2 Use of Products
Clients shall not distribute, share, or resell any products or services purchased from the Company without prior written consent. Digital products are licensed for individual use only unless specified otherwise.

9. Liability

9.1 Limitations
The Company’s total liability to the Client in respect of all losses arising under or in connection with the contract, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, shall not exceed the total amount paid by the Client for the relevant product or service.

9.2 No Financial Guarantee
The services and products offered by the Company are designed to provide guidance and education. They do not constitute financial advice, and the Company does not guarantee any financial outcomes or investment success. Clients are responsible for their own financial decisions.

10. Confidentiality

Both parties agree to keep confidential any sensitive information exchanged during the provision of services. This obligation will remain in place for a period of 3 years following the completion of services.

11. Intellectual Property

All intellectual property rights in the Company’s services and products, including any content, materials, and software, remain the exclusive property of the Company. The Client may not copy, distribute, or use the materials without explicit written permission from the Company.

12. Force Majeure

The Company will not be liable for any failure to fulfil its obligations where such failure is caused by circumstances beyond its reasonable control, including but not limited to acts of God, war, terrorism, strikes, or governmental restrictions.

13. Governing Law and Jurisdiction

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

By proceeding with the purchase of any service or product from Firm Foundation by Fathom Consulting, the Client acknowledges and agrees to these General Conditions of Sale.

Firm Foundation by Fathom Consulting
Email: fandfcrew@icloud.com