Terms & Conditions

Effective Date: January 1, 2025

Welcome to Financial Consulting Courses ("we," "our," "us," or "FinConsult Academy"). These Terms & Conditions ("Terms") govern your access to and use of our website https://financialconsultingcourses.co.uk and all related services, courses, and educational programs we provide.

1. Definitions

For purposes of these Terms:

• "Services" refers to all educational courses, programs, training materials, content, and related services provided by Financial Consulting Courses.
• "User," "you," or "your" refers to any individual or entity accessing or using our Services.
• "Content" refers to all text, images, videos, audio, documents, course materials, and other information available through our Services.
• "Account" refers to the user account you create to access certain Services.

2. Acceptance of Terms

By registering for courses, creating an account, or using our Services in any way, you acknowledge that you have read, understood, and agree to these Terms, as well as our Privacy Policy and Refund Policy.

These Terms constitute a legally binding agreement between you and Financial Consulting Courses. If you are accessing our Services on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

3. Eligibility and Registration

3.1 Age Requirement

You must be at least 18 years old to use our Services. By using our Services, you represent and warrant that you meet this age requirement.

3.2 Account Creation

To access certain Services, you may need to create an account. When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and update your information to keep it accurate
• Maintain the security and confidentiality of your login credentials
• Notify us immediately of any unauthorized access or security breach
• Accept responsibility for all activities under your account

3.3 Account Termination

We reserve the right to suspend or terminate your account at any time if you violate these Terms or engage in conduct that we deem inappropriate or harmful to our Services or other users.

4. Course Enrollment and Participation

4.1 Course Registration

When you enroll in a course, you agree to:

• Pay all applicable fees as specified during enrollment
• Provide accurate personal and professional information
• Actively participate in course activities and complete requirements
• Comply with course-specific rules and deadlines
• Respect instructors, staff, and fellow students

4.2 Course Access

Upon successful enrollment and payment, you will receive access to course materials according to the course schedule. Access duration varies by course and will be specified during enrollment. Online course materials are typically available for a specified period following course completion.

4.3 Course Changes

We reserve the right to:

• Modify course content, schedules, and instructors
• Cancel courses due to insufficient enrollment or unforeseen circumstances
• Substitute instructors when necessary
• Update course materials to reflect current industry practices

If we cancel a course, you will receive a full refund or the option to transfer to another course.

4.4 Certification Requirements

To receive certification upon course completion, you must:

• Complete all required coursework and assignments
• Achieve minimum passing grades as specified
• Attend required sessions (for courses with attendance requirements)
• Complete any final assessments or examinations
• Maintain academic integrity throughout the course

5. Payment Terms

5.1 Fees and Pricing

All course fees are stated in British Pounds (GBP) and are subject to change. Prices displayed on our website are current at the time of viewing but may be updated periodically. The price applicable to your enrollment is the price at the time of registration.

5.2 Payment Methods

We accept various payment methods including credit cards, debit cards, and other payment options as displayed during checkout. All payments are processed securely through trusted third-party payment processors.

5.3 Payment Plans

For eligible courses, we may offer installment payment plans. When choosing a payment plan, you agree to make payments according to the schedule provided. Failure to make scheduled payments may result in suspension of course access until payment is received.

5.4 Taxes

Prices may not include applicable taxes, which will be calculated and added at checkout based on your location and applicable tax laws.

5.5 No Refund for Partial Completion

Fees paid for courses are generally non-refundable after the refund period specified in our Refund Policy, even if you do not complete the course.

6. Intellectual Property Rights

6.1 Our Content

All Content available through our Services, including but not limited to text, graphics, logos, course materials, videos, audio recordings, software, and other materials, is owned by or licensed to Financial Consulting Courses and is protected by copyright, trademark, and other intellectual property laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Content solely for your personal educational purposes in connection with enrolled courses. This license does not permit you to:

• Copy, reproduce, or distribute course materials
• Modify, adapt, or create derivative works
• Sell, rent, lease, or sublicense access to our Content
• Use Content for commercial purposes
• Remove copyright or proprietary notices
• Share login credentials or provide access to non-enrolled individuals

6.3 User Content

When you submit content to our Services (such as discussion posts, assignments, or feedback), you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and display that content for purposes of providing and improving our Services.

6.4 Trademarks

All trademarks, service marks, logos, and trade names used on our website are proprietary to Financial Consulting Courses or their respective owners. You may not use these marks without prior written permission.

7. User Conduct and Responsibilities

When using our Services, you agree NOT to:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights of others
• Share or distribute course materials with non-enrolled individuals
• Engage in academic dishonesty, cheating, or plagiarism
• Harass, threaten, or abuse instructors, staff, or other students
• Post offensive, defamatory, or inappropriate content
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt our Services
• Use automated systems (bots, scrapers) to access our Services
• Impersonate any person or entity
• Collect personal information about other users
• Use our Services for any commercial purposes without permission

Violation of these conduct rules may result in immediate suspension or termination of your account and access to Services, without refund.

8. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Services, you consent to our data practices as described in the Privacy Policy.

9. Disclaimers and Limitations of Liability

9.1 No Professional Advice

Our courses provide educational content and training. They do not constitute professional financial, legal, tax, or investment advice. You should consult qualified professionals for advice specific to your circumstances.

9.2 No Guarantee of Results

While we strive to provide high-quality education, we make no guarantees regarding career outcomes, job placements, salary increases, or professional advancement resulting from course completion.

9.3 Service Availability

We strive to maintain continuous access to our Services but do not guarantee uninterrupted availability. Our Services may be temporarily unavailable due to maintenance, updates, technical issues, or factors beyond our control.

9.4 "AS IS" Disclaimer

Our Services are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

9.5 Limitation of Liability

To the maximum extent permitted by law, Financial Consulting Courses and its directors, officers, employees, instructors, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from:

• Your use or inability to use our Services
• Errors or omissions in course content
• Unauthorized access to your account or data
• Actions of other users
• Any other matter relating to our Services

Our total liability to you for any claim arising from these Terms or use of our Services shall not exceed the amount you paid to us in the twelve months preceding the claim.

10. Indemnification

You agree to indemnify, defend, and hold harmless Financial Consulting Courses and its affiliates, officers, directors, employees, instructors, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising from:

• Your violation of these Terms
• Your violation of any rights of another party
• Your misuse of our Services
• Your provision of false or misleading information

11. Third-Party Services and Links

Our Services may contain links to third-party websites, services, or resources. We do not control, endorse, or assume responsibility for any third-party content, products, or services. Your interactions with third parties are solely between you and the third party.

We may use third-party service providers to facilitate payment processing, email communications, learning management systems, or other functions. These providers operate under their own terms and privacy policies.

12. Modifications to Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will:

• Update the "Effective Date" at the top of these Terms
• Post the revised Terms on our website
• Notify users via email or prominent website notice (for significant changes)

Your continued use of our Services after changes become effective constitutes acceptance of the modified Terms. If you do not agree with changes, you must stop using our Services.

13. Termination

13.1 Termination by You

You may terminate your account at any time by contacting us. Termination does not entitle you to refunds for unused course access unless specified in our Refund Policy.

13.2 Termination by Us

We may suspend or terminate your access to our Services at any time, with or without notice, for:

• Violation of these Terms
• Fraudulent or illegal activity
• Conduct that harms or may harm our business or other users
• Non-payment of fees
• Any other reason at our sole discretion

13.3 Effect of Termination

Upon termination:

• Your access to Services will be immediately revoked
• You must cease all use of our Content and materials
• Provisions of these Terms that by their nature should survive will continue to apply
• You remain responsible for all fees and charges incurred before termination

14. Dispute Resolution and Governing Law

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles.

14.2 Jurisdiction

You agree that any disputes arising from these Terms or use of our Services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

14.3 Informal Resolution

Before pursuing formal legal action, you agree to first contact us to attempt informal resolution of any disputes. Many disputes can be resolved quickly through direct communication.

15. General Provisions

15.1 Entire Agreement

These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and Financial Consulting Courses regarding use of our Services.

15.2 Severability

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

15.3 Waiver

Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or our right to enforce it in the future.

15.4 Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction.

15.5 Force Majeure

We shall not be liable for any failure or delay in performing our obligations due to circumstances beyond our reasonable control, including natural disasters, acts of terrorism, strikes, technical failures, or government actions.

16. Contact Information

Last Updated: January 1, 2025

Thank you for choosing Financial Consulting Courses for your professional development. We look forward to supporting your consulting career journey.