Terms of Service

Last updated: 22 July 2025

1. Introduction

These Terms of Service ("Terms") govern your use of Fusion Ray's family budget management services and website located at fusion-ray.com ("Service") operated by Fusion Ray ("us", "we", or "our").

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service.

2. Company Information

3. Services Description

Fusion Ray provides family budget management services including:

• Personal and family budget planning and consultation
• Debt management advice and strategies
• Savings and investment guidance
• Financial planning and education services
• Related financial advisory services

Our services are designed specifically for UK residents and families and comply with UK financial regulations.

4. Service Terms

4.1 Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a UK resident
• Provide accurate and complete information
• Have the legal capacity to enter into binding agreements

4.2 Service Provision

We will provide our services with reasonable care and skill. However:

• Our advice is based on information you provide to us
• Financial outcomes cannot be guaranteed
• You are responsible for implementing our recommendations
• We are not responsible for changes in your financial circumstances

5. Client Obligations

As our client, you agree to:

• Provide accurate, complete, and up-to-date financial information
• Respond promptly to our requests for information or clarification
• Pay fees and charges as agreed
• Inform us of any material changes to your circumstances
• Use our services in compliance with applicable laws
• Not use our services for any unlawful purposes

6. Fees and Payment

6.1 Service Fees

Our fees will be clearly communicated before any services are provided. Fees may include:

• Initial consultation fees
• Ongoing advisory fees
• Service-specific charges

6.2 Payment Terms

• Payment is due as specified in your service agreement
• Late payment may result in suspension of services
• All fees are stated inclusive of VAT where applicable
• Refunds are subject to our refund policy as agreed

7. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of Fusion Ray. The Service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used without our prior written consent.

8. Confidentiality

We are committed to maintaining the confidentiality of your personal and financial information:

• We will not disclose your information without your consent, except as required by law
• Our staff and partners are bound by confidentiality agreements
• We implement appropriate security measures to protect your data
• You may request details of how we handle your information

9. Limitation of Liability

To the fullest extent permitted by law:

• We provide our services "as is" without warranties of any kind
• We are not liable for any indirect, incidental, or consequential damages
• Our total liability is limited to the fees paid for our services
• We are not responsible for decisions you make based on our advice
• Nothing in these terms excludes liability for death, personal injury, or fraud

10. Professional Standards

We adhere to professional standards and regulations:

• We comply with UK financial services regulations
• Our advisors maintain appropriate professional qualifications
• We follow industry best practices and ethical standards
• We maintain professional indemnity insurance

11. Termination

11.1 Termination by You

You may terminate our services at any time by giving written notice. You remain liable for fees incurred up to the termination date.

11.2 Termination by Us

We may terminate our services if:

• You breach these Terms
• You fail to pay fees when due
• You provide false or misleading information
• We believe it's in your best interest to seek alternative advice

12. Complaints Procedure

If you are dissatisfied with our services:

1. Contact us directly at [email protected]
2. We will acknowledge your complaint within 3 business days
3. We aim to resolve complaints within 8 weeks
4. If unresolved, you may refer the matter to the Financial Ombudsman Service

13. Force Majeure

We are not liable for any failure to perform our obligations due to circumstances beyond our reasonable control, including but not limited to natural disasters, government actions, or technical failures.

14. Privacy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices.

15. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect.

16. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

17. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

18. Entire Agreement

These Terms constitute the entire agreement between us regarding our Service and supersede any prior agreements we might have had.

19. Contact Information

Questions about the Terms of Service should be sent to us at: