Terms of Use

Welcome to YouthFinance Birmingham. 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 these Terms, please do not use our website or services.

1. Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by these Terms of Use and our Privacy Policy. We reserve the right to modify these Terms at any time. Your continued use of the website following any changes constitutes acceptance of those changes.

2. Description of Services

YouthFinance Birmingham provides financial literacy education programmes for children and teenagers in Birmingham and surrounding areas. Our services include:

• Group workshops on financial literacy topics
• One-to-one coaching sessions
• Family financial education programmes
• School partnership programmes
• University preparation finance courses

All services are educational in nature and do not constitute financial advice.

3. Not Financial Advice

Important: The content and services we provide are for educational purposes only and do not constitute financial, investment, or legal advice. We teach financial literacy concepts and skills but do not provide personalized financial advice or recommendations for specific financial products.

For specific financial advice related to investments, pensions, mortgages, or other financial products, you should consult a qualified and regulated financial advisor.

4. Programme Enrolment and Payment

When you enroll in one of our programmes:

• You agree to provide accurate information during registration
• Payment is required in advance unless other arrangements are made
• Prices are displayed in GBP and include VAT where applicable
• We reserve the right to cancel or reschedule sessions due to unforeseen circumstances
• In case of cancellation by us, you will receive a full refund or the option to reschedule

5. Cancellation and Refund Policy

Cancellations by You

• More than 14 days before start: Full refund minus 10% administrative fee
• 7-14 days before start: 50% refund
• Less than 7 days before start: No refund, but you may transfer to another participant or reschedule once (subject to availability)
• For one-to-one coaching: 24 hours notice required for cancellation or rescheduling without charge

Cancellations by Us

If we must cancel a programme, you will receive either a full refund or the opportunity to transfer to an alternative date or programme of equal value.

6. Use of Website

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

• Violate any applicable laws or regulations
• Transmit harmful code, viruses, or malicious software
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of the website
• Harvest or collect information about other users
• Impersonate any person or entity
• Use the website for any commercial purpose without our express permission

7. Intellectual Property Rights

All content on this website, including text, graphics, logos, images, videos, and software, is the property of YouthFinance Birmingham or its licensors and is protected by UK and international copyright laws.

You may view, download, and print content for your personal, non-commercial use only. You may not:

• Reproduce, distribute, or publicly display our content without permission
• Modify or create derivative works from our content
• Use our content for commercial purposes
• Remove copyright or other proprietary notices

8. Programme Materials

Materials provided as part of our programmes (worksheets, resources, digital content) are for the personal use of enrolled participants only. Sharing, copying, or distributing programme materials without permission is prohibited.

9. User Conduct During Programmes

Participants in our programmes are expected to:

• Treat instructors and other participants with respect
• Arrive on time for scheduled sessions
• Actively participate in activities and discussions
• Respect the confidentiality of other participants' personal information
• Follow any specific guidelines provided for the programme

We reserve the right to remove any participant whose behavior is disruptive or inappropriate, without refund.

10. Parental Responsibility

For participants under 18, parents or guardians are responsible for:

• Providing accurate information about their child during enrolment
• Ensuring their child attends scheduled sessions
• Informing us of any special needs or circumstances that may affect participation
• Reviewing programme materials and supporting learning at home

11. Limitation of Liability

To the fullest extent permitted by law:

• We provide our website and services "as is" without warranties of any kind
• We are not liable for any indirect, incidental, or consequential damages arising from your use of our website or services
• Our total liability to you for any claim arising from our services shall not exceed the amount you paid for the specific service
• We are not responsible for any financial decisions made based on knowledge gained from our educational programmes

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

12. Indemnification

You agree to indemnify and hold harmless YouthFinance Birmingham, its employees, and contractors from any claims, losses, damages, or expenses (including legal fees) arising from:

• Your violation of these Terms
• Your use of our services
• Your violation of any rights of another person or entity

13. Third-Party Links

Our website may contain links to third-party websites for your convenience. We do not endorse or assume responsibility for the content or practices of these external sites. Your use of third-party websites is at your own risk.

14. Privacy and Data Protection

Your use of our website and services is also governed by our Privacy Policy and GDPR compliance statements. Please review these documents to understand how we collect, use, and protect your personal information.

15. Dispute Resolution

If you have a complaint or dispute regarding our services, please contact us first so we can attempt to resolve it informally. If we cannot reach a satisfactory resolution, you may pursue other remedies available under UK law.

16. Governing Law and Jurisdiction

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

17. Severability

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

18. Entire Agreement

These Terms, together with our Privacy Policy and any programme-specific terms provided at enrolment, constitute the entire agreement between you and YouthFinance Birmingham regarding your use of our website and services.

19. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of significant changes by posting a notice on our website or by email. Your continued use of our services after changes are posted constitutes acceptance of the modified Terms.

20. Contact Information

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

YouthFinance Birmingham
47 Colmore Row
Birmingham, B3 2BS
United Kingdom
Email: [email protected]

By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.