Terms of Use
Terms and conditions governing the use of our website and services.
Last updated: September 2026
Acceptance of Terms
By accessing and using this website, you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any part of these terms, you should not use our website or services.
Description of Services
snow-seal provides advisory services related to ATM card retention issues. Our services include guidance, information, and recommendations to help individuals navigate the process of recovering retained cards or resolving related banking disputes.
Our services are advisory in nature. We do not provide legal advice, financial advice, or representation. We do not act as your agent in communications with banks or other institutions.
Eligibility
Our services are available to individuals who are at least 18 years of age and residents of the United Kingdom. By using our services, you confirm that you meet these eligibility requirements.
Service Limitations
While we strive to provide accurate and helpful guidance, please be aware that:
- Our advice is based on general knowledge and may not address every unique circumstance
- Banking policies and procedures vary between institutions and may change over time
- We cannot guarantee any specific outcome from following our recommendations
- Success in resolving card retention issues depends on many factors outside our control
User Responsibilities
When using our services, you agree to:
- Provide accurate and truthful information about your situation
- Use our guidance for lawful purposes only
- Not misrepresent your relationship with snow-seal to third parties
- Maintain the confidentiality of any personalised guidance you receive
- Not reproduce, distribute, or commercially exploit our materials without permission
Intellectual Property
All content on this website, including text, graphics, logos, and software, is the property of snow-seal or its content suppliers and is protected by United Kingdom and international copyright laws.
You may not reproduce, modify, distribute, or republish materials from this website without our prior written consent.
Payment Terms
Service fees are as listed on our Services page at the time of booking. Payment is required at the time of booking to secure your service. We accept major credit and debit cards.
Refunds are available in the following circumstances:
- If we determine before commencing work that our services cannot assist with your situation
- If we fail to deliver the service within the stated timeframe (subject to reasonable delays)
Refunds are not available once advisory services have been delivered.
Limitation of Liability
To the fullest extent permitted by law, snow-seal shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services or website.
Our total liability for any claim arising from your use of our services shall not exceed the amount you paid 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 fraudulent misrepresentation, or any other liability that cannot be excluded by law.
Disclaimer
The information and guidance provided by snow-seal is for informational purposes only and does not constitute legal, financial, or professional advice. You should consult with appropriate professionals before taking any action based on our guidance.
Results achieved by other clients do not guarantee similar outcomes for your situation. Individual circumstances vary significantly, and outcomes depend on factors beyond our control.
Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of use of these external sites. Visiting third-party sites is at your own risk.
Modifications to Terms
We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to this page. Your continued use of our website after any changes indicates your acceptance of the modified terms.
Termination
We reserve the right to terminate or suspend your access to our website and services at our sole discretion, without notice, for conduct that we believe violates these Terms of Use or is harmful to other users, us, or third parties.
Governing Law
These Terms of Use are governed by the laws of England and Wales. Any disputes arising from these terms or your use of 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 invalid or unenforceable, the remaining provisions shall continue in full force and effect.
Contact Information
If you have any questions about these Terms of Use, please contact us at [email protected].