Terms & Conditions

Last updated: MARCH 2026

These terms apply to all services provided by Quartz Consultancy Limited (trading as The Financial Toolkit).

Company Number: 134836C

By using this website or purchasing any product or service, you agree to these terms.

1. Overview

These terms apply to:

• Free resources (including downloads)

• Online workshops and digital content

• 1:1 financial mentorship and support

2. Important Disclaimer

The Financial Toolkit provides educational and informational support only.

We do not provide:

• Financial advice

• Investment advice

• Legal advice

Nothing on this website or within our services constitutes regulated financial advice. You should seek independent professional advice where required.

3. Your Responsibility

You acknowledge that:

• You are responsible for your financial and business decisions

• Any actions taken based on our content or support are your responsibility

We are not liable for any financial outcomes, losses, or business decisions made as a result of our services.

4. 1:1 Services (Financial Mentorship)

Nature of the service

This is a support and education-based service, designed to help you understand and manage your finances.

It is not a done-for-you service.

Commitment

• Services are offered over a 3 or 6 month period

• Payment is made monthly or in full upfront

Results

We do not guarantee specific results or financial outcomes.

5. Payments

• All payments are non-refundable unless otherwise agreed

• Payment plans must be completed in full

• Late payments may result in services being paused

6. Cancellations & Rescheduling

• Discovery calls can be rescheduled with reasonable notice

• Ongoing services require agreed notice if ending early

7. Digital Products (Workshop & Downloads)

Access

• Content is for personal use only

• You may not share, copy, or distribute any materials

Refunds

Due to the nature of digital products, refunds are not guaranteed.

8. Intellectual Property

All content, including:

• Workshops

• PDFs and downloads

• Templates

• Website content

is owned by Quartz Consultancy Limited (trading as The Financial Toolkit).

You may not copy, reproduce, or distribute this content without permission.

9. Confidentiality

All information shared during 1:1 services will be treated as confidential.

10. Website Use

You agree not to:

• Misuse the website

• Attempt to breach security

• Use content without permission

11. Limitation of Liability

We are not liable for:

• Financial loss

• Business performance outcomes

• Decisions made based on our services

12. Governing Law

These terms are governed by the laws of the Isle of Man.

13. Contact

For any questions, contact:

Quartz Consultancy Limited
Trading as The Financial Toolkit
Isle of Man
Email: jodiemasonc@gmail.com