Terms of Use

Agreement to Terms

By accessing or using the calm-invest website and services, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you should not use our website or services.

These terms apply to all visitors, users, and clients of calm-invest. We may revise these terms at any time by updating this page. Your continued use of the website following changes constitutes acceptance of the revised terms.

About Our Services

calm-invest provides benefits advisory services, including guidance on eligibility for UK welfare benefits, support with benefit applications, and assistance with appeals and reconsiderations.

Our services are advisory in nature. We provide information and guidance to help you understand and navigate the benefits system. We do not guarantee any particular outcome from benefit applications or appeals, as decisions are made by the Department for Work and Pensions, local authorities, or tribunals.

Not Legal Advice

The information and guidance provided by calm-invest constitutes benefits advice, not legal advice. While our advisors are trained in welfare rights, they are not solicitors or barristers.

For complex legal matters, particularly those involving judicial review or Upper Tribunal appeals, we may recommend you seek advice from a solicitor or legal aid provider. We can provide referrals where appropriate.

Website Information

The information on this website is provided for general informational purposes. While we strive to keep the content accurate and up to date, benefits regulations change frequently. The information on this website may not reflect the most recent changes.

This website does not constitute advice about your specific circumstances. For personalised guidance, please engage our consultation services or contact us directly.

Service Engagement

Engaging our paid services creates a client relationship governed by these terms and any specific service agreement provided at the time of booking.

Your Responsibilities

When engaging our services, you agree to:

• Provide accurate and complete information about your circumstances
• Inform us promptly of any changes to your situation
• Respond to requests for information in a timely manner
• Pay fees as agreed at the time of service engagement
• Not misuse our services for fraudulent purposes

Our Responsibilities

We will:

• Provide services with reasonable care and skill
• Keep you informed about the progress of your case
• Maintain confidentiality of your information
• Provide accurate advice based on the information you give us
• Act in your best interests within the scope of our engagement

Fees and Payment

Service fees are quoted in Pounds Sterling and must be paid as agreed at the time of booking. We accept payment by bank transfer and major credit/debit cards.

Fees cover the specific services described at the time of engagement. Additional services or extended support may incur additional charges, which will be discussed with you before being incurred.

We do not charge success fees based on benefit awards. Such fees are prohibited by regulations and we consider them unethical in the context of benefits advice.

Cancellation and Refunds

You may cancel a booked consultation with at least 48 hours notice for a full refund or to reschedule. Cancellations with less than 48 hours notice will forfeit 50% of the consultation fee.

If you are dissatisfied with our services, please contact us within 14 days. We will review your concerns and may offer a partial refund at our discretion if our services did not meet reasonable expectations.

Refunds are not available simply because a benefit application was unsuccessful, as we cannot guarantee outcomes of applications made to third-party decision makers.

Limitation of Liability

To the fullest extent permitted by law, calm-invest shall not be liable for:

• Decisions made by the DWP, local authorities, or tribunals regarding your benefit claims
• Delays in benefit processing by government departments
• Any indirect, consequential, or special damages arising from use of our services
• Losses arising from information you provided that was incomplete or inaccurate

Our total liability for any claim arising from our services shall not exceed the fees you paid for the specific service giving rise to the claim.

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded by law.

Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of calm-invest or our content suppliers and is protected by copyright and other intellectual property laws.

You may view, download, and print pages from this website for your personal, non-commercial use, provided you do not modify the content and retain all copyright notices.

You may not reproduce, distribute, or commercially exploit any content from this website without our prior written consent.

Website Use

You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others or restrict their use of the website.

You must not:

• Use the website in any way that breaches applicable laws or regulations
• Attempt to gain unauthorised access to our systems or networks
• Introduce viruses, malware, or other harmful code
• Use automated systems to access the website without permission
• Copy or scrape content for commercial purposes

External Links

Our website may contain links to external websites operated by third parties. These links are provided for convenience and information. We do not control these websites and are not responsible for their content or practices.

The inclusion of any link does not imply endorsement by calm-invest. We encourage you to review the terms and privacy policies of any external site you visit.

Confidentiality

We treat all information you provide in the course of our services as confidential. We will not disclose your information to third parties except:

• With your explicit consent (such as when submitting benefit applications)
• To our professional advisors bound by confidentiality obligations
• When required by law or court order
• To protect our legitimate interests in legal proceedings

Complaints

If you are unhappy with any aspect of our service, please contact us at [email protected]. We take complaints seriously and aim to resolve issues promptly and fairly.

We will acknowledge your complaint within 5 working days and provide a full response within 20 working days. If you remain dissatisfied, we will explain any further options available to you.

Governing Law

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.

Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Contact Information

For questions about these Terms of Use, please contact us:

Email: [email protected]
Address: 47 Whitworth Street, Manchester, M1 5WW