Terms of Use

Last updated: January 2024

Agreement to 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, please do not use our website.

Use of Website

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

• Use the website in any way that violates applicable local, national, or international law
• Transmit any material that is defamatory, offensive, or otherwise objectionable
• Attempt to gain unauthorised access to any portion of the website or any systems connected to it
• Use the website to transmit unsolicited advertising or promotional material
• Interfere with or disrupt the website or servers connected to it

Intellectual Property

The content on this website, including text, graphics, logos, images, and software, is the property of calm-ibis and is protected by United Kingdom and international copyright laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

Course Enrolment

When you submit an enquiry or enrol in a course through our website:

• You agree to provide accurate and complete information
• Enrolment is subject to availability and our acceptance
• Course fees must be paid according to the agreed payment terms
• Cancellation and refund policies apply as communicated at the time of booking

Educational Content Disclaimer

The educational materials and information provided through our courses are intended for general financial literacy purposes only. They do not constitute:

• Personalised financial advice
• Investment recommendations
• Tax advice
• Legal advice

Individual circumstances vary, and you should consult qualified professionals before making significant financial decisions. We do not guarantee specific outcomes or results from participating in our courses.

Limitation of Liability

To the fullest extent permitted by law, calm-ibis 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 our services. This includes, without limitation, damages for loss of profits, data, or other intangible losses.

Indemnification

You agree to indemnify and hold harmless calm-ibis, its directors, employees, and agents from any claims, damages, losses, or expenses arising from your breach of these Terms of Use or your use of the website.

Third-Party Links

Our website may contain links to third-party websites. We do not control and are not responsible for the content, privacy policies, or practices of any third-party sites. Your use of third-party websites is at your own risk.

Website Availability

We strive to ensure that our website is available at all times. However, we do not guarantee uninterrupted access and may suspend, withdraw, or restrict availability of all or any part of the website for business or operational reasons.

Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after any changes constitutes acceptance of the revised terms.

Governing Law

These Terms of Use are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these terms 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

For questions about these Terms of Use, please contact us:

calm-ibis
42 Castle Street
Liverpool, L2 7LA
United Kingdom

Email: [email protected]