Terms & Conditions

MornWave provides educational content on personal budgeting, daily expenses, and financial planning for readers in the UK. The site is for information and education only. We do not provide personalised financial advice.

2. Acceptance of terms

By accessing or using this website, you confirm that you accept these Terms and agree to comply with them. If you do not agree, you must not use the site.

3. Acceptable use

• Do not misuse the site, interfere with its operation, or attempt unauthorised access.
• Do not upload or transmit malicious code, scraping, automated harvesting, or spam activity.
• Respect intellectual property; do not reproduce content without our permission.
• Use the site lawfully and in accordance with applicable UK laws.

4. Educational content — No advice

All content is general information. It is not investment, financial, tax, or legal advice. You should obtain professional or specialist advice before taking, or refraining from, any action on the basis of our content.

5. Availability and changes

We may update, suspend, or withdraw the site or any part of it without notice. We do not guarantee that the site, or any content, will always be available or be uninterrupted.

6. Accounts and interactions

We do not currently provide user accounts. If forms or interactive features are introduced, you agree to provide accurate information and to comply with any additional terms presented.

7. Third‑party links

Our site links to third‑party resources and platforms. We are not responsible for their content, accuracy, or practices. Visiting third‑party sites is at your own risk and subject to their terms and privacy policies.

8. Intellectual property

Unless otherwise stated, all content on this site (including text, graphics, logos, and images) is owned by or licensed to MornWave and protected by applicable copyright and related IP laws. You may link to our pages and share short excerpts with attribution. Any broader reuse requires prior written permission.

9. Limitation of liability

To the fullest extent permitted by law, MornWave and its team will not be liable for any loss or damage arising from or in connection with your use of, or reliance on, the site or its content. We do not exclude or limit liability where it would be unlawful to do so.

10. Indemnity

You agree to indemnify and hold MornWave harmless from any claims, liabilities, damages, and expenses (including reasonable legal fees) arising out of your breach of these Terms or misuse of the site.

11. Privacy and cookies

Your use of the site is also governed by our Privacy Policy, which explains the data we collect, cookie choices, and your rights.

12. Purchases and refunds

We are primarily an educational blog. If we offer products or events in the future, those transactions will be subject to additional terms presented at purchase. Our Refund Policy explains returns and cancellations for goods/services we may offer.

13. Governing law and jurisdiction

These Terms are governed by the laws of England and Wales. The courts of England and Wales shall have exclusive jurisdiction, except that consumers resident elsewhere in the UK or EU may benefit from mandatory local consumer protections.

14. Changes to these Terms

We may update these Terms from time to time. Please check this page for the latest version. Continued use of the site after changes constitutes acceptance.

15. Contact us

Email: contact@mornwave.co.uk • Phone: +44 0308 665 779 • Address: 177 Southwark Bridge Rd, London SE1 0ED

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