Terms of Use

Last updated: January 2024

1. Acceptance of Terms

By accessing and using the cloud-field website ("Site"), you accept and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, please do not use our Site.

2. Description of Services

Cloud-field provides financial education courses and related information for children and adults. Our services include in-person courses, educational materials, and website content designed to improve financial literacy.

3. Educational Disclaimer

The information provided on this Site and through our courses is for general educational purposes only. It should not be construed as:

• Personal financial advice
• Investment recommendations
• Tax or legal advice
• A substitute for professional consultation

Individual financial circumstances vary. We strongly recommend consulting with qualified financial advisers before making significant financial decisions.

4. User Responsibilities

When using our Site or services, you agree to:

• Provide accurate information in forms and registrations
• Use the Site only for lawful purposes
• Not interfere with the proper functioning of the Site
• Not attempt to gain unauthorised access to our systems
• Not reproduce or distribute our content without permission

5. Course Enrolment and Payment

5.1 Booking Process

Submitting an enrolment request does not guarantee a place. Bookings are confirmed only after we verify availability and receive payment.

5.2 Payment Terms

Full payment is required before attending courses unless alternative arrangements have been agreed in writing.

5.3 Cancellation Policy

Full refunds are available for cancellations made at least 7 days before the course start date. Cancellations within 7 days may be subject to administrative fees. No refunds are given for non-attendance without prior notice.

6. Intellectual Property

All content on this Site, including text, images, logos, and course materials, is owned by or licensed to cloud-field and protected by copyright and other intellectual property laws. You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks without authorisation
• Remove copyright notices from materials

7. Limitation of Liability

To the fullest extent permitted by law:

• We provide this Site and our educational content "as is" without warranties of any kind
• We are not liable for any direct, indirect, incidental, or consequential damages arising from your use of our Site or services
• We are not responsible for financial decisions you make based on our educational content
• Our liability is limited to the amount you paid for our services

8. Third-Party Links

Our Site may contain links to third-party websites for reference purposes. We do not endorse or take responsibility for the content, policies, or practices of external sites.

9. Privacy

Your use of our Site is also governed by our Privacy Policy, which explains how we collect and use your information.

10. Modifications

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

11. Termination

We may terminate or suspend your access to our Site at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users or our business interests.

12. Governing Law

These Terms are governed by the laws of England and Wales. Any disputes arising from these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts of England and Wales.

13. Severability

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

14. Contact Information

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

Cloud-field
47 Dale Street
Liverpool, L2 2HJ
United Kingdom
Email: [email protected]