Last updated: October 2024
Agreement to Terms
By accessing and using this website, 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.
About Us
This website is operated by Periwinkle-birch, a financial education academy based in Liverpool, United Kingdom. Our registered address is 42 Castle Street, Liverpool L2 7LA.
Use of Our Website
You may use our website for lawful purposes only. You must not use our website:
- In any way that breaches any applicable local, national, or international law or regulation
- In any way that is unlawful or fraudulent
- To transmit any unsolicited or unauthorised advertising or promotional material
- To knowingly transmit any data or material that contains viruses or other harmful programs
Educational Content Disclaimer
The information provided on this website and through our courses is for general educational purposes only. It is not intended to be, and should not be taken as, professional financial advice.
Our courses aim to improve financial literacy and provide general knowledge about financial management. However:
- Individual circumstances vary significantly
- Financial markets and regulations change over time
- Past performance does not guarantee future results
- Investment decisions carry inherent risks
For decisions regarding specific investments, tax matters, pension arrangements, or significant financial commitments, we strongly recommend consulting a qualified and regulated financial adviser.
Course Enrolment
By submitting a course enquiry or registration through our website:
- You confirm that the information provided is accurate and complete
- You agree to receive communications from us regarding your enquiry or registration
- You understand that course availability and pricing may be subject to change
Payment Terms
Full payment terms for courses are provided upon enrolment confirmation. Payment is required prior to course commencement unless alternative arrangements have been agreed in writing.
Cancellation and Refunds
Cancellation policies vary by course type and will be communicated at the time of booking. Generally:
- Cancellations made more than 14 days before course start may receive a full refund
- Cancellations made 7-14 days before course start may receive a 50% refund
- Cancellations made less than 7 days before course start are non-refundable
We reserve the right to cancel or reschedule courses with reasonable notice. In such cases, full refunds or transfers to alternative dates will be offered.
Intellectual Property
All content on this website, including text, images, logos, and course materials, is the property of Periwinkle-birch or our licensors and is protected by copyright and other intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.
Links to Other Websites
Our website may contain links to third-party websites. These links are provided for convenience only. We have no control over the content of these sites and accept no responsibility for them or for any loss or damage arising from your use of them.
Limitation of Liability
To the fullest extent permitted by law, Periwinkle-birch shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or courses.
Nothing in these terms excludes or limits our liability for death or personal injury arising from our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.
Indemnification
You agree to indemnify and hold harmless Periwinkle-birch, its directors, employees, and agents from any claims, damages, losses, or expenses arising from your breach of these Terms of Use.
Changes to Terms
We may revise these Terms of Use at any time by updating this page. You are expected to check this page periodically to take notice of any changes. Your continued use of the website following the posting of changes constitutes acceptance of those changes.
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 shall be subject to the exclusive jurisdiction of the courts of England and Wales.
Severability
If any provision of these Terms of Use is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
Contact Us
If you have any questions about these Terms of Use, please contact us:
Periwinkle-birch
42 Castle Street
Liverpool L2 7LA
Email: [email protected]