1. Introduction and Acceptance

These Terms of Service ("Terms") govern your use of the Dazzling Routes website (dazzling-routes.com) and our financial advisory services. By accessing our website or using our services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use our website or services.

2. About Dazzling Routes

Dazzling Routes is a financial advisory firm authorized and regulated by the Financial Conduct Authority (FCA). We provide financial planning, investment advice, and educational resources to individuals and businesses in the United Kingdom.

3. Services Provided

3.1 Financial Advisory Services

We provide the following regulated financial advisory services:

• Investment planning and portfolio management
• Pension and retirement planning
• Mortgage and protection advice
• Tax planning strategies
• Estate planning guidance

3.2 Educational Content

Our website provides educational articles, guides, and resources for general information purposes. This content does not constitute personal financial advice.

3.3 Newsletter and Communications

We offer newsletter subscriptions and regular communications about financial topics, market updates, and our services.

4. Eligibility and Restrictions

4.1 Age Requirements

Our services are available to individuals aged 18 and over. By using our services, you confirm that you meet this age requirement.

4.2 Geographic Restrictions

Our services are primarily designed for UK residents. If you are located outside the UK, please consult with local advisors about the applicability of our advice to your circumstances.

4.3 Capacity

You must have the legal capacity to enter into binding agreements and make financial decisions.

5. User Responsibilities

5.1 Accurate Information

You must provide accurate, complete, and up-to-date information when using our services or contacting us. You are responsible for notifying us of any changes to your circumstances.

5.2 Confidentiality

You must keep any confidential information we share with you secure and not disclose it to unauthorized third parties.

5.3 Prohibited Uses

You may not use our website or services for:

• Any illegal or unauthorized purpose
• Transmitting harmful or malicious content
• Attempting to gain unauthorized access to our systems
• Copying or reproducing our content without permission
• Commercial use without written authorization

6. Financial Advice and Disclaimers

6.1 Nature of Advice

Our financial advice is personalized based on your individual circumstances, objectives, and risk tolerance. All advice is provided in accordance with FCA regulations.

6.2 Investment Risks

All investments carry risk, and you may get back less than you invest. Past performance is not a guide to future performance. We will explain the risks associated with any recommended investments.

6.3 No Guarantee

We cannot guarantee the performance of any investment or financial product. Market conditions can change rapidly and unpredictably.

6.4 Educational Content Disclaimer

Content on our website is for educational purposes only and does not constitute personal financial advice. You should not make financial decisions based solely on our general content.

7. Fees and Charges

7.1 Transparency

We will clearly explain all fees and charges before providing any paid services. Our fee structure is transparent and documented in our client agreements.

7.2 Payment Terms

Payment terms will be specified in individual service agreements. Generally, fees are payable in advance or as agreed in writing.

7.3 Refund Policy

Refund policies vary by service type and will be explained in your specific service agreement. We aim to resolve any fee disputes fairly and promptly.

8. Intellectual Property

8.1 Our Content

All content on our website, including text, images, logos, and design, is owned by Dazzling Routes or our licensors and is protected by intellectual property laws.

8.2 Limited License

We grant you a limited, non-exclusive license to access and use our website for personal, non-commercial purposes only.

8.3 Restrictions

You may not:

• Reproduce, distribute, or display our content without permission
• Modify or create derivative works from our content
• Use our trademarks or logos without authorization
• Remove copyright or other proprietary notices

9. Privacy and Data Protection

Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms part of these Terms. By using our services, you consent to our data practices as described in the Privacy Policy.

10. Website Availability and Maintenance

10.1 Service Availability

While we strive to maintain continuous website availability, we cannot guarantee uninterrupted access. We may temporarily suspend access for maintenance or updates.

10.2 Technical Issues

We are not liable for any technical issues, server downtime, or connectivity problems that may affect your access to our website or services.

11. Limitation of Liability

11.1 Direct Damages

Our liability for any direct damages arising from our services is limited to the fees paid for those specific services.

11.2 Indirect Damages

We exclude liability for indirect, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities.

11.3 Professional Indemnity

We maintain professional indemnity insurance as required by FCA regulations, which provides additional protection for our clients.

12. Complaints Procedure

12.1 Internal Complaints

If you have a complaint about our services, please contact us first using the details provided. We will investigate all complaints fairly and respond within the timeframes required by FCA regulations.

12.2 Financial Ombudsman Service

If you are not satisfied with our response, you may refer your complaint to the Financial Ombudsman Service:

13. Termination

13.1 Termination by You

You may terminate your use of our services at any time by providing written notice. Any outstanding fees will remain payable.

13.2 Termination by Us

We may terminate our services or restrict your access to our website if you breach these Terms or for other legitimate business reasons.

13.3 Effect of Termination

Upon termination, your right to use our services ceases, but our obligations regarding confidentiality and data protection continue.

14. Force Majeure

We are not liable for any failure or delay in performance due to events beyond our reasonable control, including but not limited to natural disasters, government actions, cyber attacks, or pandemics.

15. Governing Law and Jurisdiction

These Terms are governed by English law. Any disputes will be subject to the exclusive jurisdiction of the English courts, except where you have the right to bring proceedings in your local jurisdiction.

16. Changes to Terms

16.1 Updates

We may update these Terms periodically to reflect changes in our services, legal requirements, or business practices.

16.2 Notification

We will notify you of material changes by:

• Posting updated Terms on our website
• Sending email notifications to clients
• Providing notice through our services

16.3 Continued Use

Your continued use of our services after changes take effect constitutes acceptance of the updated Terms.

17. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy and any specific service agreements, constitute the entire agreement between you and Dazzling Routes regarding your use of our website and services.

19. Contact Information

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

These Terms of Service are effective as of September 10, 2025, and were last updated on this date.