Last Updated: 11 May 2026
By accessing and using the frosty-sapience website and services, you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our website or services.
frosty-sapience provides financial coaching, education, and consulting services designed to help individuals improve their financial situation. Our services include but are not limited to:
When using our services, you agree to:
The information and services provided by frosty-sapience are for educational and informational purposes. While we strive to provide accurate and helpful guidance:
Payment for services must be made in full before or at the time of service delivery, unless otherwise agreed in writing. We accept payment via the methods specified on our website.
Due to the personalized nature of our services, refunds are considered on a case-by-case basis. Refund requests must be submitted in writing within 14 days of service purchase. Digital products and completed services are generally non-refundable.
All content on this website, including text, graphics, logos, images, and software, is the property of frosty-sapience and is protected by UK and international copyright laws. You may not:
If you submit content to us (such as testimonials, feedback, or questions), you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, and display that content for business purposes.
Your use of our services is also governed by our Privacy Policy and GDPR Compliance Statement. Please review these documents to understand how we collect, use, and protect your personal information.
To the fullest extent permitted by law:
You agree to indemnify and hold harmless frosty-sapience, its employees, and partners from any claims, damages, or expenses arising from your use of our services or violation of these terms.
Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of these external sites. Your use of third-party websites is at your own risk.
We reserve the right to terminate or suspend your access to our services at any time, without notice, for conduct that we believe:
We may modify these Terms of Use at any time. Changes will be effective immediately upon posting to this page. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.
We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice or liability.
These Terms of Use are governed by the laws of England and Wales. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of England and Wales.
If any provision of these Terms of Use is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
These Terms of Use, together with our Privacy Policy and other legal notices published on this website, constitute the entire agreement between you and frosty-sapience regarding your use of our services.
If you have any questions about these Terms of Use, please contact us:
frosty-sapience
42 Chancery Lane
London WC2A 1QU
United Kingdom
Email: [email protected]
Nothing in these Terms of Use affects your statutory rights as a consumer under UK law. For information about your consumer rights, visit the Citizens Advice website or contact the Citizens Advice consumer service.