Terms of Service

1. Acceptance of Terms

By accessing, browsing, or using the BrassBonac website (the "Service"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these Terms, you must not use our Service.

2. Description of Service

BrassBonac provides:

• Professional spreadsheet templates for expense tracking and financial planning
• Business budget planning tools and resources
• Educational content and guidance on financial management
• Customer support and consultation services
• Related financial planning resources and tools

3. Eligibility

To use our Service, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding agreements
• Provide accurate and complete information when creating an account
• Comply with all applicable laws and regulations
• Use the Service for lawful business or personal purposes only

4. User Accounts

4.1 Account Creation

To access certain features of our Service, you may need to create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your account information
• Keep your password secure and confidential
• Notify us immediately of any unauthorised use

4.2 Account Responsibility

You are responsible for all activities that occur under your account. We are not liable for any loss or damage arising from unauthorised use of your account.

5. Purchase Terms

5.1 Products and Pricing

All prices are listed in British Pounds (GBP) and include applicable VAT. We reserve the right to change prices at any time, but price changes will not affect orders already placed.

5.2 Payment

Payment is required at the time of purchase. We accept major credit cards and PayPal. All transactions are processed securely through third-party payment processors.

5.3 Delivery

Digital products are delivered via email download links immediately after successful payment. Physical delivery is not applicable to our digital products.

6. Refund Policy

We offer a 30-day satisfaction guarantee:

• Refund requests must be made within 30 days of purchase
• Contact our support team with your reason for the refund request
• Refunds will be processed to the original payment method within 5-10 business days
• We reserve the right to refuse refunds for frivolous or abusive requests

7. Intellectual Property Rights

7.1 Our Content

All content on our website, including but not limited to:

• Spreadsheet templates and formulas
• Text, graphics, logos, and images
• Software and code
• Educational materials and guides

are owned by BrassBonac or our licensors and are protected by UK and international copyright laws.

7.2 Your Rights to Our Products

Upon purchase, you receive a non-exclusive, non-transferable licence to:

• Use our spreadsheet templates for your personal or business purposes
• Modify templates to suit your specific needs
• Create derivative works for your internal use

7.3 Restrictions

You may not:

• Resell, redistribute, or sublicense our products
• Share templates with unauthorised third parties
• Remove copyright notices or proprietary markings
• Reverse engineer or decompile our software
• Use our content for training AI or machine learning models

8. User Conduct

You agree not to use our Service to:

• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Transmit harmful, offensive, or inappropriate content
• Attempt to gain unauthorised access to our systems
• Interfere with the proper functioning of our Service
• Collect personal information about other users
• Use automated tools to access our Service without permission

9. Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your personal information. By using our Service, you consent to our data practices as described in the Privacy Policy.

10. Third-Party Services

Our Service may integrate with or contain links to third-party services, including:

• Payment processors (Stripe, PayPal)
• Email marketing platforms
• Analytics services
• Social media platforms

We are not responsible for the practices or content of these third-party services. Your use of third-party services is subject to their respective terms and conditions.

11. Disclaimers

11.1 Service Availability

We strive to maintain Service availability but cannot guarantee uninterrupted access. Our Service is provided "as is" and "as available" without warranties of any kind.

11.2 Financial Advice

Our content and templates are for educational and planning purposes only. They do not constitute professional financial, tax, or legal advice. Always consult qualified professionals for specific advice related to your situation.

11.3 Accuracy

While we strive for accuracy, we make no warranties about the completeness, reliability, or accuracy of our content. Users are responsible for verifying information and ensuring compliance with applicable regulations.

12. Limitation of Liability

To the maximum extent permitted by law:

• We exclude all warranties, express or implied
• Our liability is limited to the amount you paid for our services
• We are not liable for indirect, incidental, or consequential damages
• We are not responsible for losses due to force majeure events

13. Indemnification

You agree to indemnify and hold harmless BrassBonac, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

• Your use of our Service
• Your violation of these Terms
• Your infringement of any third-party rights
• Any content you submit or transmit through our Service

14. Termination

14.1 Termination by You

You may terminate your account at any time by contacting our support team. Termination does not entitle you to a refund unless otherwise specified in our refund policy.

14.2 Termination by Us

We may suspend or terminate your access to our Service if you:

• Violate these Terms of Service
• Engage in fraudulent or illegal activities
• Fail to pay applicable fees
• Abuse our support or refund policies

15. Modification of Terms

We may modify these Terms at any time. Changes will be effective immediately upon posting on our website. Continued use of our Service after changes constitutes acceptance of the new Terms. We will notify users of significant changes via email or website notice.

16. Governing Law

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

17. Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will continue in full force and effect. The invalid provision will be replaced with a valid provision that most closely reflects the original intent.

18. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and BrassBonac regarding your use of our Service. They supersede all prior agreements and understandings.

19. Contact Information

If you have questions about these Terms of Service, please contact us: