Terms of Service

Last updated: September 20, 2025

These Terms of Service ("Terms") govern your use of the EsaceriFru website located at esacerifru.com (the "Service") operated by EsaceriFru ("we," "our," or "us").

1. Acceptance of Terms

By accessing and using our Service, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

EsaceriFru provides financial education, advice, and consultation services specifically tailored for UK residents. Our services include but are not limited to:

• Financial planning and budgeting advice
• Investment guidance and strategies
• Debt management consultation
• Tax optimization advice
• Educational content and resources

3. Financial Advice Disclaimer

Important: The information provided on our website and through our services is for educational purposes only and should not be considered as personalized financial advice. You should consult with a qualified financial advisor before making any investment decisions.

EsaceriFru is not authorized by the Financial Conduct Authority (FCA) to provide regulated financial advice. We provide general financial education and guidance only.

4. User Responsibilities

By using our Service, you agree to:

• Provide accurate and complete information
• Use the Service only for lawful purposes
• Not interfere with or disrupt the Service
• Respect intellectual property rights
• Maintain the confidentiality of your account information

5. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of EsaceriFru and its licensors. The Service is protected by copyright, trademark, and other laws.

6. Privacy Policy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices.

7. Prohibited Uses

You may not use our Service:

• For any unlawful purpose or to solicit others to unlawful acts
• To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
• To infringe upon or violate our intellectual property rights or the intellectual property rights of others
• To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
• To submit false or misleading information
• To upload or transmit viruses or any other type of malicious code

8. Limitation of Liability

In no event shall EsaceriFru, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Service.

9. Disclaimer

The information on this Service is provided on an "as is" basis. To the fullest extent permitted by law, this Company:

• Excludes all representations and warranties relating to this website and its contents
• Does not guarantee the accuracy, completeness, or timeliness of information
• Cannot guarantee that the Service will be error-free or uninterrupted

10. Indemnification

You agree to defend, indemnify, and hold harmless EsaceriFru and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees).

11. Termination

We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

12. Governing Law

These Terms shall be interpreted and governed by the laws of England and Wales. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

13. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect.

14. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.