Terms of Service

Acceptance of Terms

By accessing and using the TitanBloom website (titanbloom.top) and our financial planning services, you accept and agree to be bound by the terms and provision of this agreement. These Terms of Service constitute a legally binding agreement between you and TitanBloom Ltd, a company registered in Ireland (Registration Number: CRO846231).

If you do not agree to these terms, you must not use our website or services. Your continued use of our services following the posting of any changes to these terms constitutes acceptance of those changes.

These terms apply to all visitors, users, and others who access or use our services, including our website, consultations, and financial planning advice.

Description of Services

TitanBloom provides financial planning and advisory services to help clients achieve their personal finance goals. Our services include but are not limited to:

• Personal budgeting and savings planning
• Debt management strategies
• Investment planning and portfolio advice
• Property and mortgage planning
• Retirement and pension planning
• Insurance and protection planning
• Tax planning advice
• Financial education and ongoing support

All services are provided subject to these terms and any additional service agreements we may enter into with you. We reserve the right to modify, suspend, or discontinue any aspect of our services at any time.

User Obligations

By using our services, you agree to:

• Provide accurate, current, and complete information about yourself and your financial situation
• Maintain the security of your personal and financial information
• Notify us promptly of any changes to your circumstances that may affect our advice
• Use our services only for lawful purposes and in accordance with these terms
• Respect the intellectual property rights of TitanBloom and third parties
• Not attempt to gain unauthorised access to our systems or data
• Pay all fees and charges in accordance with our fee schedule
• Comply with all applicable laws and regulations

You are responsible for maintaining the confidentiality of any account information and for all activities that occur under your account. You must immediately notify us of any unauthorised use of your account or any other breach of security.

Financial Advice Disclaimer

Our financial planning advice is based on the information you provide and our professional assessment of your circumstances. While we strive to provide accurate and suitable advice, you acknowledge that:

• All financial decisions remain your responsibility
• Investment values can go down as well as up, and past performance is not a guarantee of future results
• Economic conditions and market factors may affect the outcomes of financial strategies
• Tax rules and legislation may change, affecting the benefits of certain strategies
• You should seek independent legal or tax advice for complex matters

We recommend that you carefully consider all advice and seek additional professional opinions where appropriate before making significant financial decisions.

Fees and Payment

Our fees are clearly outlined in our service agreements and fee schedule. Payment terms include:

• Fees are payable as specified in your service agreement
• We may charge interest on overdue amounts
• You are responsible for any bank charges or transaction fees
• Fees may be subject to VAT as applicable
• We reserve the right to adjust fees with reasonable notice

If you fail to pay fees when due, we may suspend or terminate our services and take appropriate action to recover outstanding amounts.

Intellectual Property

The content, organisation, graphics, design, compilation, magnetic translation, digital conversion, and other matters related to our website and services are protected under applicable copyrights, trademarks, and other proprietary rights. The copying, redistribution, use, or publication by you of any such content or any part of our services is strictly prohibited.

All intellectual property rights in our services, including but not limited to:

• Financial planning methodologies and processes
• Educational materials and resources
• Software and analytical tools
• Website content and design
• TitanBloom branding and trademarks

These remain the exclusive property of TitanBloom Ltd. You may not reproduce, distribute, modify, or create derivative works from our intellectual property without our express written permission.

Privacy and Confidentiality

We are committed to protecting your privacy and maintaining the confidentiality of your personal and financial information. Our collection, use, and protection of your data is governed by our Privacy Policy, which forms part of these terms.

We maintain professional confidentiality in accordance with industry standards and will not disclose your information to third parties except:

• With your explicit consent
• As required by law or regulatory authorities
• To professional advisors bound by similar confidentiality obligations
• In anonymised form for research or statistical purposes

By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

Limitation of Liability

To the fullest extent permitted by law, TitanBloom Ltd, its directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to damages for loss of profits, goodwill, use, data, or other intangible losses resulting from:

• Your use or inability to use our services
• Any changes to or inaccessibility of our services
• Any conduct or content of any third party using our services
• Any content obtained from our services
• Unauthorised access, use, or alteration of your data

Our total liability to you for all claims arising from or related to our services shall not exceed the amount of fees you have paid to us in the twelve months preceding the claim.

This limitation of liability applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, and even if we have been advised of the possibility of such damage.

Indemnification

You agree to defend, indemnify, and hold harmless TitanBloom Ltd, its officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

• Your violation of these Terms of Service
• Your use of our services
• Your violation of any rights of another party
• Your violation of any applicable laws or regulations

This indemnification obligation will survive the termination of your relationship with TitanBloom.

Termination

Either party may terminate our service relationship at any time with reasonable notice. Termination may occur:

• By mutual agreement
• By either party with 30 days' written notice
• Immediately by TitanBloom for breach of these terms
• Immediately by TitanBloom for non-payment of fees
• As required by law or professional regulations

Upon termination:

• All outstanding fees become immediately due
• We will return your documents and records as appropriate
• Confidentiality obligations continue indefinitely
• You must cease using our intellectual property

Termination does not affect any rights or obligations that accrued before the termination date.

Dispute Resolution

We are committed to resolving any disputes amicably and efficiently. If you have a complaint or concern:

• Please contact us initially to discuss the matter informally
• If unresolved, you may submit a formal complaint in writing
• We will investigate and respond within a reasonable timeframe
• Mediation may be used to resolve disputes where appropriate

If informal resolution is not possible, disputes shall be resolved through the courts of Ireland in accordance with Irish law.

Governing Law

These Terms of Service and any separate agreements whereby we provide you services shall be governed by and construed in accordance with the laws of Ireland, without regard to conflict of law principles.

Any legal action or proceeding arising under these terms will be brought exclusively in the courts located in Ireland, and you hereby irrevocably consent to the personal jurisdiction and venue therein.

If any provision of these terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these terms will otherwise remain in full force and effect.

Changes to Terms

TitanBloom reserves the right to modify these Terms of Service at any time. We will notify you of any material changes by posting the updated terms on our website and updating the "Last Updated" date at the top of this document.

For existing clients, we will provide reasonable notice of any changes that materially affect your rights or obligations. Your continued use of our services after any such changes constitutes your acceptance of the new terms.

If you do not agree to the modified terms, you must discontinue your use of our services and may terminate your relationship with us in accordance with the termination provisions.

General Provisions

These Terms of Service constitute the entire agreement between you and TitanBloom concerning the subject matter hereof and supersede all prior or contemporaneous agreements, whether written or oral.

Additional provisions that may apply:

• No waiver of any term by TitanBloom shall be deemed a further or continuing waiver
• If any provision is found invalid, the remainder shall remain in effect
• These terms may not be assigned by you without our written consent
• Headings are for convenience only and do not limit the terms
• Time is of the essence for all obligations under these terms

Any notices required under these terms must be in writing and delivered to the addresses specified in our contact information.

Contact Information

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