Terms of Use

Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by these terms of use. If you do not agree with any part of these terms, you should not use this website.

Use of Website

You may use this website for lawful purposes only. You agree not to:

• Use the website in any way that breaches applicable local, national, or international law
• Use the website in any way that is unlawful or fraudulent
• Transmit or distribute viruses or other harmful code
• Attempt to gain unauthorised access to any part of the website
• Interfere with or disrupt the website or servers
• Collect or harvest information about other users

Educational Services

Our programmes provide education on financial management principles. They are designed for general educational purposes and do not constitute personalised financial advice.

You acknowledge that:

• Individual financial circumstances vary significantly
• Programme content represents general educational information
• Implementation of strategies learned carries inherent risks
• Results from applying learned concepts may vary
• You should consult qualified professionals before making significant financial decisions

Enrolment and Payment

When you enrol in a programme, you agree to:

• Provide accurate and complete information
• Pay applicable fees according to the payment terms
• Attend scheduled sessions or notify us of absences
• Respect other participants and instructors
• Use course materials for personal educational purposes only

Cancellation and Refunds

Cancellation requests must be submitted in writing to [email protected].

Refund policy:

• Cancellations more than 14 days before programme start: full refund
• Cancellations 7-14 days before start: 50% refund
• Cancellations less than 7 days before start: no refund
• After programme commencement: no refund

We reserve the right to cancel or reschedule programmes due to insufficient enrolment or unforeseen circumstances. In such cases, enrolled participants will receive a full refund or the option to transfer to an alternative session.

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is owned by us or our licensors and is protected by copyright and other intellectual property laws.

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

• Reproduce content for commercial purposes
• Distribute or republish content without permission
• Modify or create derivative works
• Remove copyright or proprietary notices

Course Materials

Course materials provided during programmes are for your personal educational use. You may not share, distribute, sell, or reproduce these materials without written permission.

Disclaimer of Warranties

This website and our services are provided on an "as is" and "as available" basis. We make no warranties, expressed or implied, including but not limited to:

• Merchantability or fitness for a particular purpose
• Accuracy or completeness of content
• Uninterrupted or error-free operation
• Specific outcomes or results from programme participation

Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or inability to use the website or services
• Any content obtained from the website
• Unauthorised access to or alteration of your data
• Financial decisions made based on programme content

Our total liability for any claim arising from your use of the website or services shall not exceed the fees you paid for the relevant programme.

Indemnification

You agree to indemnify and hold us harmless from any claims, damages, losses, liabilities, and expenses arising from your use of the website or services, your violation of these terms, or your violation of any rights of others.

Third-Party Links

This website may contain links to third-party websites. These links are provided for convenience only. We do not endorse or assume responsibility for the content, privacy policies, or practices of third-party websites.

Privacy

Your use of this website is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

Children

While some of our programmes are designed for children, this website is intended for use by adults. If you are enrolling a child in a programme, you represent that you are the parent or legal guardian with authority to do so.

Changes to Terms

We reserve the right to modify these terms at any time. Changes will be posted on this page with a revised date. Your continued use of the website after changes are posted constitutes acceptance of the modified terms.

Governing Law

These terms are governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Entire Agreement

These terms, together with our Privacy Policy and any other legal notices published on this website, constitute the entire agreement between you and us regarding your use of the website and services.

Contact Information

For questions about these terms, please contact us at:

Email: [email protected]
Address: 45 Deansgate, Manchester M3 2AY, United Kingdom

Last updated: July 2026