Terms of Use

Agreement to Terms

By accessing and using the luminous-phantom website and services, you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our website or services.

Use of Website

Permitted Use

You may use our website to:

• Browse information about our programmes
• Register for financial education programmes
• Contact us with enquiries
• Access resources provided to programme participants

Prohibited Use

You must not:

• Use the website in any way that breaches applicable laws or regulations
• Attempt to gain unauthorised access to our systems
• Transmit any viruses, malware, or harmful code
• Use automated systems to scrape or download content
• Copy, reproduce, or distribute website content without permission
• Use the website for commercial purposes without authorisation
• Impersonate any person or entity
• Interfere with other users' use of the website

Programme Registration and Participation

Registration

When registering for programmes, you agree to:

• Provide accurate, current, and complete information
• Maintain and update information to keep it accurate
• Accept responsibility for all activities under your registration

Programme Terms

Participation in our programmes is subject to:

• Payment of applicable fees
• Attendance requirements as specified for each programme
• Respectful behaviour towards educators and other participants
• Compliance with programme-specific rules and guidelines

Cancellation and Refunds

Cancellations made more than 7 days before programme commencement receive a full refund. Cancellations within 7 days of programme start receive a 50% refund. No refunds are provided once a programme has begun, except as stated in our satisfaction guarantee (first session refund policy).

We reserve the right to cancel programmes due to insufficient enrolment or unforeseen circumstances. In such cases, full refunds will be provided.

Intellectual Property

Our Rights

All content on this website, including text, graphics, logos, images, and software, is our property or that of our licensors and is protected by copyright, trademark, and other intellectual property laws.

Programme Materials

Materials provided during programmes are for personal, non-commercial use by enrolled participants only. You may not reproduce, distribute, or create derivative works from these materials without written permission.

User-Generated Content

If you submit content to us (such as testimonials, feedback, or questions), you grant us a non-exclusive, royalty-free, perpetual licence to use, reproduce, modify, and display that content for business purposes. You warrant that you own or have rights to any content you submit.

Third-Party Links

Our website may contain links to third-party websites. These links are provided for convenience only. We do not endorse or accept responsibility for the content or practices of linked websites. Use of third-party websites is at your own risk.

Disclaimer of Warranties

Our website and services are provided "as is" without warranties of any kind, either express or implied. While we strive for accuracy, we do not warrant that:

• The website will be uninterrupted or error-free
• Defects will be corrected
• The website or servers are free of viruses or harmful components
• Information on the website is complete, accurate, or current

Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services, including but not limited to:

• Loss of profits or revenue
• Loss of data
• Loss of opportunity
• Business interruption

Our total liability for any claim arising from use of our website or services shall not exceed the amount paid by you for the relevant service.

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

Educational Nature of Services

Our programmes provide financial education and should not be considered professional financial advice. Participants should seek professional advice for specific financial decisions. We are not responsible for financial decisions made based on programme content.

Privacy

Your use of our website and services is also governed by our Privacy Policy, which is incorporated into these terms by reference.

Changes to Terms

We may revise these terms at any time. Changes will be posted on this page with an updated revision date. Continued use of the website after changes constitutes acceptance of revised terms. Material changes will be communicated to registered users.

Termination

We may suspend or terminate your access to our website and services at any time, without notice, for conduct that we believe violates these terms or is harmful to other users, us, or third parties, or for any other reason.

Governing Law

These terms are governed by the laws of England and Wales. Any disputes arising from these terms or use of our 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 invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Entire Agreement

These terms, together with our Privacy Policy and any programme-specific terms, constitute the entire agreement between you and us regarding use of our website and services.

Contact Information

Questions about these terms should be directed to:

Email: [email protected]
Address: 42 Education House, Bristol Road, Birmingham, B5 7DU, United Kingdom