Terms of Use

Agreement to Terms

By accessing and using the elm-badger website and services, you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

About Our Services

elm-badger provides financial education courses and workshops for individuals and families. Our services include:

• In-person educational courses at our Manchester location
• Educational materials and resources
• Information about financial literacy topics

Our courses are educational in nature and do not constitute financial advice. We are an educational provider, not a regulated financial services firm.

Intellectual Property

The content on this website, including text, graphics, logos, images, and course materials, is the property of elm-badger or its content suppliers and is protected by United Kingdom and international copyright laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use our content without prior written consent from elm-badger.

Use of Website

You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of this website by, any third party.

Prohibited conduct includes:

• Using the website in any way that breaches applicable laws or regulations
• Using the website to transmit unsolicited promotional material
• Attempting to interfere with the proper functioning of the website
• Attempting to access restricted areas of the website

Course Enrolment and Payment

When you submit an enrolment enquiry through our website, you are expressing interest in our courses. Enrolment is not confirmed until you receive written confirmation from elm-badger and payment arrangements have been agreed.

Course fees are as published on our website at the time of enrolment. We reserve the right to change our prices at any time, but changes will not affect confirmed enrolments.

Cancellation and Refunds

You have the right to cancel your enrolment within 14 days of confirmation for a full refund. After this period, our standard refund policy applies:

• Cancellation more than 14 days before course start: Full refund minus administrative fee
• Cancellation 7-14 days before course start: 50% refund
• Cancellation less than 7 days before course start: No refund, but credit may be applied to future courses

Educational Disclaimer

The information provided through our courses and on this website is for general educational purposes only. It is not intended as, and should not be understood or construed as, financial advice.

elm-badger does not provide personalised financial advice. The general information we provide may not be suitable for your specific circumstances. Before making any financial decisions, you should seek advice from a qualified and regulated financial adviser who can consider your individual situation.

While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind about the completeness, accuracy, reliability, or suitability of the information provided.

Limitation of Liability

To the fullest extent permitted by law, elm-badger shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

• Your use of or inability to use our website or services
• Any conduct or content of any third party on our services
• Any content obtained from our services
• Unauthorised access, use, or alteration of your transmissions or content

Nothing in these terms excludes or limits our liability for death or personal injury arising from our negligence, fraud, or any other liability that cannot be excluded under applicable law.

Third-Party Links

Our website may contain links to third-party websites or services that are not owned or controlled by elm-badger. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

Indemnification

You agree to defend, indemnify, and hold harmless elm-badger and its officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees arising out of or relating to your violation of these Terms of Use or your use of the website.

Governing Law

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

Changes to Terms

We reserve the right to modify these Terms of Use at any time. We will provide notice of any material changes by updating the "Last updated" date at the top of this page. Your continued use of the website after any changes indicates your acceptance of the new terms.

Severability

If any provision of these Terms of Use is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity shall not render these Terms of Use unenforceable or invalid as a whole. Such provisions shall be deleted without affecting the remaining provisions.

Contact Information

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

elm-badger Financial Management School
47 Deansgate Mews
Manchester, M3 4LQ
United Kingdom
Email: [email protected]