These Terms of Service govern your use of the Sophia Money-Coutts website. By accessing or using this website, you agree to comply with these terms. If you do not agree, please discontinue use immediately.

Use of the Website
You may browse this website for personal, non-commercial purposes only. You agree not to misuse the site, attempt unauthorised access, or engage in actions that disrupt its functionality or security.

Intellectual Property
All content on this website, including text, images, graphics, and branding, is owned by or licensed to Sophia Money-Coutts. You may not copy, reproduce, distribute, or modify any materials without prior written permission.

User Submissions
If you submit information through forms, comments, or contact enquiries, you agree that the information provided is accurate and lawful. We reserve the right to remove or ignore submissions deemed inappropriate or harmful.

Links to Third Parties
This website may contain links to external sites. We are not responsible for the content, practices, or privacy policies of any third-party websites.

Disclaimer
Content on this website is provided for general information and does not constitute professional advice. While we aim to keep information updated, we make no guarantees regarding accuracy, completeness, or reliability.

Limitation of Liability
We are not liable for any direct, indirect, or incidental damages resulting from your use of this website, including errors, interruptions, or loss of data.

Changes to Terms
We may update these Terms of Service at any time. Continued use of the website after changes are posted means you accept the updated terms.

Contact Us
For questions regarding these Terms of Service, please visit our contact page at sophiamoneycoutts.com/contact.