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Terms of Use

Welcome to velvet-otter. These Terms of Use govern your access to and use of our website and services. By accessing or using our website, you agree to be bound by these terms. If you do not agree with any part of these terms, please do not use our website.

Definitions

In these Terms of Use:

  • "We", "us", "our" refers to velvet-otter
  • "Website" refers to the velvet-otter website and all its pages
  • "Services" refers to educational courses and programmes offered by velvet-otter
  • "User", "you", "your" refers to any person accessing or using the website

Use of Website

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

  • Use the website in any way that violates applicable laws or regulations
  • Attempt to gain unauthorised access to any part of the website or its systems
  • Interfere with or disrupt the website's operation or servers
  • Transmit any malicious code, viruses, or harmful content
  • Collect or harvest user information without consent
  • Impersonate any person or entity
  • Use automated systems to access the website without permission

Educational Content

The educational content provided through our website and courses is intended for general informational purposes. While we strive for accuracy, we make no representations or warranties about the completeness, reliability, or suitability of any information provided.

Our courses provide financial education and should not be construed as personalised financial advice. Individual financial situations vary, and you should consult with qualified professionals for advice tailored to your specific circumstances.

Intellectual Property

All content on this website, including text, graphics, logos, images, course materials, and software, is the property of velvet-otter or its content suppliers and is protected by intellectual property laws.

You may not:

  • Reproduce, distribute, or publicly display any content without written permission
  • Modify or create derivative works based on website content
  • Use content for commercial purposes without authorisation
  • Remove any copyright or proprietary notices

Course materials provided to enrolled participants are for personal educational use only and may not be shared, reproduced, or distributed without explicit permission.

User Submissions

When you submit information through our website, such as enquiry forms, you grant us permission to use that information to respond to your request and provide our services. You represent that any information you submit is accurate and complete.

Course Registration and Payment

Course registrations are subject to availability and acceptance. By registering for a course:

  • You agree to pay the applicable fees as outlined at the time of booking
  • You acknowledge that course content and schedules may be subject to change
  • You accept our cancellation and refund policies as communicated at registration

We reserve the right to cancel or reschedule courses due to insufficient enrolment or unforeseen circumstances. In such cases, registered participants will be offered alternative dates or a full refund.

Limitation of Liability

To the fullest extent permitted by law:

  • We provide this website and its content "as is" without warranties of any kind
  • We are not liable for any indirect, incidental, special, or consequential damages arising from your use of the website
  • Our total liability for any claims arising from use of the website shall not exceed the amount you paid for our services, if any

Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded by law.

Third-Party Links

Our website may contain links to third-party websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites. Accessing third-party links is at your own risk.

Indemnification

You agree to indemnify and hold harmless velvet-otter, its officers, employees, and agents from any claims, damages, losses, or expenses arising from your use of the website or violation of these terms.

Modifications 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 changes are posted constitutes acceptance of the modified 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 or your use of the website 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 unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

Contact Information

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

velvet-otter
47 Cathedral Road
Cardiff, CF11 9HB
United Kingdom

Email: [email protected]

Last updated: August 2024

velvet-otter

Cardiff's dedicated centre for financial education, serving learners of all ages since 2018.

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Contact

47 Cathedral Road
Cardiff, CF11 9HB
United Kingdom

[email protected]

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