Waiver

This agreement (“Waiver & Disclaimer”) is made between The Pink Planner Finance (“Advisor”) and the undersigned client (“Client”).

1. Nature of Services

The Advisor provides general financial education, budgeting tools, and advisory services. The Advisor is not authorised or regulated by the Financial Conduct Authority (FCA) and does not provide regulated financial, investment, tax, or legal advice.

2. No Guarantee of Results

The Client understands that financial outcomes may be influenced by personal circumstances, market conditions, and other external factors. The Advisor does not guarantee any specific results, profits, savings, or financial improvement.

3. Responsibility of Client

• The Client remains solely responsible for their financial decisions.
  
• The Client agrees to conduct their own due diligence and, where necessary, seek independent advice from an FCA-authorised financial adviser, tax specialist, or legal professional.
  

4. Limitation of Liability

To the fullest extent permitted by law:

• The Advisor shall not be liable for any loss, damages, or claims (including direct, indirect, incidental, or consequential damages) resulting from the use of the services provided.
  
• The Client releases the Advisor from any liability arising from financial decisions made based on the information or guidance provided.
  

5. No Fiduciary Duty

The Advisor does not act as a fiduciary to the Client and has no duty to act in the Client’s best interests beyond providing the agreed services.

6. Confidentiality

All information provided by the Client will be treated as confidential and will not be shared without consent, except as required by law.

7. Governing Law

This Waiver & Disclaimer shall be governed by and interpreted in accordance with the laws of England & Wales.