Introduction

Welcome to Hygge Finance. These Terms of Service ("Terms") form a binding legal agreement between you, the client, and Hygge Finance, founded by Gunel Guliyeva, regarding your use of our financial coaching and advisory services available through our website. By accessing and using our services, you acknowledge and agree to these Terms.

General Provisions

• Binding Agreement: These Terms govern your access to and use of Hygge Finance's services. By engaging with our services, you enter into a legally binding contract with us.

• Amendments: Hygge Finance reserves the right to modify these Terms at any time. We will provide notice of such changes, and your continued use of our services constitutes acceptance of the amended Terms.

• Service Access: We may, at our sole discretion, restrict or terminate your access to our services without prior notice for any reason, including but not limited to service misuse.

Service Description and License

• Services Offered: Hygge Finance provides professional financial coaching and advisory services tailored to your needs. Our services are detailed on our website and are designed to assist you in achieving your financial goals.

• License Grant: Subject to your compliance with these Terms, Hygge Finance grants you a non-exclusive, non-transferable, revocable license to access and use our services for your personal, non-commercial use.

Disclaimer of Warranties

• No Guarantees: While we strive to provide valuable financial guidance, we do not guarantee any specific outcomes from the use of our services. Our services are based on the information you provide and are intended for advisory purposes only.

• "As Is" Services: Our services are provided "as is" and "as available," without any express or implied warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Use of Services

• Compliance: You agree to use our services only for lawful purposes and in accordance with these Terms. Any unauthorized use of our services is strictly prohibited.

• Intellectual Property: All intellectual property rights in our services, including any content or materials provided as part of the services, are owned by Hygge Finance. You may not use such content without our prior written consent.

Limitation of Liability

• Liability Limitation: Hygge Finance shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of our services, whether based on warranty, contract, tort (including negligence), or any other legal theory.

• Professional Advice: Our services do not substitute for professional financial, legal, or tax advice. We recommend consulting with a qualified professional for specific advice tailored to your situation.

Indemnification

You agree to indemnify and hold harmless Hygge Finance, its affiliates, officers, agents, and employees from any claim or demand made by any third party due to or arising out of your breach of these Terms or your use of our services.

Miscellaneous

• Governing Law: These Terms are governed by the laws of the jurisdiction where Hygge Finance is established, without regard to its conflict of law provisions.

• Entire Agreement: These Terms constitute the entire agreement between you and Hygge Finance regarding the use of our services and supersede all prior agreements and understandings, whether written or oral.

• Severability: If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced.

Contact Information

For any inquiries or concerns regarding these Terms or our services, please contact us

Effective Date: These Terms are effective as of 1st January 2024