Terms of Use

Agreement to Terms

These Terms of Use constitute a legally binding agreement made between you and prism-nectar Ltd ("we", "us", or "our"), concerning your access to and use of the prism-nectar.com website and our benefits advisory services.

By accessing our website or engaging our services, you agree that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree with these terms, you must discontinue use of the website and services immediately.

Description of Services

prism-nectar provides benefits advisory services to individuals across the United Kingdom. Our services include:

• Guidance on benefit eligibility and entitlements
• Assistance with completing benefit application forms
• Support with mandatory reconsiderations and appeals
• Preparation for assessments and tribunals
• General advice on the UK benefits system

We are not solicitors and do not provide legal advice. Our services complement but do not replace advice from qualified legal professionals where appropriate.

Service Limitations

While we endeavour to provide accurate and helpful guidance, please be aware that:

• We cannot guarantee the outcome of any benefit application or appeal
• Decisions on benefit claims are made by the Department for Work and Pensions, HM Revenue and Customs, local authorities, or tribunals—not by us
• Benefit rules and eligibility criteria are set by government and may change
• Our advice is based on the information you provide to us
• We are not responsible for incomplete or inaccurate information supplied by clients

User Responsibilities

When using our services, you agree to:

• Provide accurate and complete information about your circumstances
• Inform us promptly of any changes to your situation that may affect your claim
• Review all documents we prepare before they are submitted
• Respond to our requests for information in a timely manner
• Not make any false or misleading statements in benefit applications
• Attend any appointments or assessments arranged in connection with your claim

Payment Terms

Our service fees are set out on our Services page and may be updated from time to time. The following terms apply:

• Fees are payable in advance of service delivery unless otherwise agreed
• All prices are quoted in pounds sterling and include VAT where applicable
• Payment can be made by bank transfer or other methods we specify
• Initial consultations to discuss your situation are provided without charge
• Refunds may be considered on a case-by-case basis but are not guaranteed

Intellectual Property

The content on this website, including but not limited to text, graphics, logos, and software, is the property of prism-nectar and is protected by United Kingdom and international copyright laws.

You may view and download materials from this website for personal, non-commercial use only. You may not:

• Reproduce, distribute, or publish any content without our written permission
• Modify or create derivative works based on our content
• Use our branding or trademarks without authorisation
• Remove any copyright or proprietary notices from materials

Website Use

You agree to use our website only for lawful purposes and in a way that does not infringe the rights of others or restrict their use of the website. Prohibited activities include:

• Attempting to gain unauthorised access to any part of the website
• Using automated systems to access or scrape website content
• Introducing malware, viruses, or other harmful code
• Interfering with the proper working of the website
• Impersonating any person or entity

Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to:

• Warranties of merchantability and fitness for a particular purpose
• Warranties that the website will be uninterrupted or error-free
• Warranties regarding the accuracy or completeness of content

We do not warrant that any information on our website is accurate, complete, or current. Information may be changed or updated without notice.

Limitation of Liability

To the maximum extent permitted by applicable law, prism-nectar and its directors, employees, and agents shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Damages arising from reliance on information provided on the website
• Damages resulting from benefit decisions made by government bodies

Our total liability for any claim arising from our services shall not exceed the amount you paid us 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.

Indemnification

You agree to defend, indemnify, and hold harmless prism-nectar from any claims, damages, losses, and expenses (including legal fees) arising from:

• Your use of our website or services
• Your violation of these Terms of Use
• Your provision of false or misleading information
• Any third-party claims related to your actions

Confidentiality

We treat all client information as confidential and will not disclose it to third parties except:

• As necessary to provide our services (e.g., submitting applications to the DWP)
• With your explicit consent
• As required by law or court order
• To protect our legal rights

Our obligations regarding your personal data are further detailed in our Privacy Policy.

Termination

Either party may terminate the service relationship at any time by providing written notice. Upon termination:

• We will complete any work in progress unless you instruct otherwise
• You remain responsible for payment of services already rendered
• We will return any original documents you have provided
• Confidentiality obligations continue to apply

We reserve the right to refuse or terminate services if you provide false information, fail to pay fees when due, or otherwise breach these terms.

Governing Law

These Terms of Use are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these terms or our services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Severability

If any provision of these Terms of Use is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms of Use, together with our Privacy Policy and any service-specific agreements, constitute the entire agreement between you and prism-nectar regarding your use of our website and services.

Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting on this page. Your continued use of our website or services after any changes constitutes acceptance of the revised terms.

We will make reasonable efforts to notify active clients of significant changes to these terms.

Contact Information

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

prism-nectar
47 Clerkenwell Road
London EC1M 5RS
Email: [email protected]