Effective date: 19 June 2025

Welcome to The Clarity Wallet. These Terms of Use (“Terms”) govern your access to and use of our website (theclaritywallet.com), digital tools, applications, and services (collectively, the “Service”). Please read these Terms carefully before using the Service.

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Who We Are

The Clarity Wallet is operated by Damola Oguntayo, a sole trader based in the United Kingdom.

2. Eligibility

The Service is intended for users aged 18 and over. By using the Service, you confirm that you meet this requirement.

3. Our Services

The Clarity Wallet provides financial education, digital tools, diagnostic quizzes, app-based features, AI-powered insights, and optional 1:1 coaching. These are for informational and educational purposes only and do not constitute regulated financial advice.

4. No Financial Advice

All content is provided “as is” and is intended to support better financial understanding. We do not provide personalised investment, tax, or financial advice. Users should consult a qualified professional before making financial decisions.

5. User Accounts and Security

You may need to register for an account to access certain features. You are responsible for:

• Maintaining the confidentiality of your login credentials
• All activity under your account
• Notifying us immediately if you believe your account has been compromised

We reserve the right to suspend or terminate accounts that violate these Terms or any applicable laws.

6. Payments

Some features are offered as paid services (e.g. premium plans, coaching, app features). Payments are processed securely through Stripe and PayPal. All prices are listed in GBP £ unless otherwise stated.

We do not store your full payment card details. Refunds may be granted at our discretion and according to applicable laws.

7. Acceptable Use

You agree not to:

• Use the Service for unlawful or fraudulent purposes
• Distribute viruses, malware, or harmful code
• Copy, reproduce, or commercially exploit any content without permission
• Interfere with or attempt to disrupt the Service

8. Intellectual Property

All content on the Service, including text, graphics, software, branding, and tools, is the property of The Clarity Wallet™ or its licensors. You may not reproduce, distribute, or create derivative works without our express written consent.

9. Third-Party Services

The Service may integrate with third-party platforms (e.g. Stripe, Twilio, Google). We are not responsible for the practices or content of these providers. Use of third-party services is subject to their terms and privacy policies.

10. Disclaimers

The Service is provided “as is” without warranties of any kind, either express or implied. We do not guarantee that:

• The Service will be available without interruption or error
• The content will be accurate, complete, or up to date
• Any results obtained from use will be reliable

11. Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any loss or damage (including loss of profits, data, or goodwill) arising from your use of or inability to use the Service.

12. Termination

We may suspend or terminate your access to the Service at any time, without notice, if you violate these Terms or use the Service in a way that could cause harm to others or us.

13. Changes to These Terms

We may update these Terms from time to time. The revised Terms will be posted on this page with a new effective date. Continued use of the Service indicates your acceptance of any changes.

14. Governing Law

These Terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

15. Contact Us

If you have any questions about these Terms, please contact:

The Clarity Wallet™
Email: info@theclarittywallet.com
Address: 128 City Road, London, EC1V 2NX