1. Introduction
Welcome to Crisp Flower Financial Services. These Terms of Service ("Terms") govern your use of our website crisp-flower.com and our banking assistance services. By accessing our website or using our services, you agree to be bound by these Terms.
If you do not agree with these Terms, please do not use our website or services.
2. About Crisp Flower Financial Services
Crisp Flower Financial Services is a UK-based company providing banking assistance and financial advisory services. We are:
- Registered in England and Wales
- Authorized and regulated by the Financial Conduct Authority (FCA)
- Located at 42 Wellington Square, London SW1X 7LB, United Kingdom
3. Our Services
We provide the following services:
- Personal Banking Assistance: Help with opening personal current accounts, savings accounts, and specialized banking products
- Business Banking Solutions: Assistance with business account opening, merchant services, and credit facilities
- Expedited Processing: Priority processing services for banking applications
- Financial Consultation: Expert advice on UK banking regulations and requirements
4. Service Agreement
4.1 Engagement
When you engage our services, a formal service agreement will be established outlining:
- Specific services to be provided
- Fees and payment terms
- Timeframes and deliverables
- Your responsibilities and obligations
4.2 Client Responsibilities
As our client, you agree to:
- Provide accurate and complete information
- Respond promptly to requests for documentation
- Comply with all banking regulations and requirements
- Pay fees as agreed in the service agreement
5. Fees and Payment
5.1 Service Fees
Our fees are:
- Clearly outlined in your service agreement
- Based on the complexity and scope of services required
- Payable as specified in the agreement
- Subject to VAT where applicable
5.2 Payment Terms
Payment terms include:
- Payment due dates as specified in your agreement
- Accepted payment methods
- Late payment charges where applicable
- Refund policy for specific circumstances
6. Limitations and Disclaimers
6.1 Service Limitations
Please note that we:
- Provide assistance and guidance but cannot guarantee bank approval
- Are not a bank and cannot make final decisions on applications
- Cannot be held responsible for bank policies or decisions
- May be limited by regulatory or legal requirements
6.2 Website Disclaimer
Our website information is:
- Provided for general information purposes
- Subject to change without notice
- Not intended as specific financial advice
- Updated regularly but may not always be current
7. Intellectual Property
All content on our website, including but not limited to:
- Text, graphics, logos, and images
- Software and technical elements
- Trademarks and service marks
- Proprietary methodologies and processes
Are owned by or licensed to Crisp Flower Financial Services and are protected by intellectual property laws.
8. Privacy and Data Protection
Your privacy is important to us. Our collection, use, and protection of your personal data is governed by our Privacy Policy, which forms part of these Terms.
By using our services, you consent to the processing of your personal data as described in our Privacy Policy.
9. Prohibited Uses
You may not use our website or services to:
- Engage in any illegal or fraudulent activities
- Provide false or misleading information
- Violate any applicable laws or regulations
- Interfere with the security or functionality of our systems
- Attempt to gain unauthorized access to our systems
- Use our services for money laundering or terrorist financing
10. Termination
10.1 Termination by You
You may terminate our services by providing written notice as specified in your service agreement.
10.2 Termination by Us
We may terminate our services if:
- You breach these Terms or your service agreement
- You fail to pay fees when due
- We are required to do so by law or regulation
- Continuation of services would be inappropriate or impossible
11. Liability and Indemnification
11.1 Limitation of Liability
To the maximum extent permitted by law, our liability is limited to:
- The fees paid for the specific service in question
- Direct damages only (excluding indirect or consequential damages)
- Circumstances where we have acted negligently or in breach of contract
11.2 Indemnification
You agree to indemnify us against any claims arising from:
- Your breach of these Terms
- Your provision of false or misleading information
- Your violation of any laws or regulations
12. Regulatory Compliance
We are committed to maintaining the highest standards of regulatory compliance, including:
- Financial Conduct Authority (FCA) regulations
- Anti-money laundering (AML) requirements
- Know Your Customer (KYC) procedures
- Data protection and privacy laws
13. Dispute Resolution
13.1 Internal Complaints
If you have a complaint about our services, please contact us first using the details in Section 15. We have internal procedures to handle complaints fairly and promptly.
13.2 External Resolution
If you are not satisfied with our response, you may refer your complaint to:
- The Financial Ombudsman Service
- Relevant industry bodies or regulators
- UK courts (as a last resort)
14. Changes to Terms
We may update these Terms from time to time to reflect:
- Changes in our services or business practices
- Legal or regulatory requirements
- Industry best practices
We will notify you of significant changes and post updated Terms on our website with a new "Last updated" date.
15. Contact Information
If you have any questions about these Terms or our services, please contact us:
16. Governing Law
These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these Terms will be subject to the exclusive jurisdiction of the English courts.