Terms and Conditions

Financial Fluency Website

(1) Introduction

These terms and conditions govern your use of our website; by using our website, you accept these terms and conditions in full. If you disagree with these terms and conditions or any part of these terms and conditions, you must not use our website.

(2) Licence to use website

Unless otherwise stated, we or our licensors own the intellectual property rights in the website and material on the website. Subject to the licence below, all these intellectual property rights are reserved.

You may view, download for caching purposes only, and print pages from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.

You must not:

(3) Acceptable use

You must not use our website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

You must not use our website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.

You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to our website without our express written consent.

You must not use our website to transmit or send unsolicited commercial communications.

You must not use our website for any purposes related to marketing without our express written consent.

(4) Restricted access

Access to certain areas of our website is restricted. We reserve the right to restrict access to other areas of our website, or indeed our whole website, at our discretion.

If we provide you with a user ID and password to enable you to access restricted areas of our website or other content or services, you must ensure that that user ID and password is kept confidential.

We may disable your user ID and password in our sole discretion without notice or explanation.

(5) User generated content

In these terms and conditions, “your user content” means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to our website, for whatever purpose.

You grant to us a worldwide, irrevocable, non-exclusive, royalty-free licence to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to us the right to sub-license these rights, and the right to bring an action for infringement of these rights.

Your user content must not be illegal or unlawful, must not infringe any third party’s legal rights, and must not be capable of giving rise to legal action whether against you or us or a third party (in each case under any applicable law).

You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.

We reserve the right to edit or remove any material submitted to our website, or stored on our servers, or hosted or published upon our website.

Notwithstanding our rights under these terms and conditions in relation to user content, we do not undertake to monitor the submission of such content to, or the publication of such content on, our website.

(6) Limited warranties

Whilst we endeavour to ensure that the information on this website (excluding user content) is correct, we do not warrant its completeness or accuracy; nor do we commit to ensuring that the website remains available or that the material on the website is kept up-to-date.

To the maximum extent permitted by applicable law we exclude all representations, warranties and conditions relating to this website and the use of this website (including, without limitation, any warranties implied by law of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill).

(7) Limitations of liability

Nothing in these terms and conditions (or elsewhere on our website) will exclude or limit our liability for fraud, for death or personal injury caused by our negligence, or for any other liability which cannot be excluded or limited under applicable law.

Subject to this, our liability to you in relation to the use of our website or under or in connection with these terms and conditions, whether in contract, tort (including negligence) or otherwise, will be limited as follows:

You hereby indemnify us and undertake to keep us indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by us to a third party in settlement of a claim or dispute on the advice of our legal advisers) incurred or suffered by us arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.

(9) Breaches of these terms and conditions

Without prejudice to our other rights under these terms and conditions, if you breach these terms and conditions in any way, we may take such action as we deem appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.

(10) Variation

We may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of our website from the date of the publication of the revised terms and conditions on our website. Please check this page regularly to ensure you are familiar with the current version.

(11) Assignment

We may transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms and conditions without notifying you or obtaining your consent.

You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions.

(12) Severability

If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

(13) Exclusion of third party rights

These terms and conditions are for the benefit of you and us, and are not intended to benefit any third party or be enforceable by any third party. The exercise of our and your rights in relation to these terms and conditions is not subject to the consent of any third party.

(14) Entire agreement

These terms and conditions, together with our privacy policy, constitute the entire agreement between you and us in relation to your use of our website, and supersede all previous agreements in respect of your use of this website.

(15) Law and jurisdiction

These terms and conditions will be governed by and construed in accordance with English law, and any disputes relating to these terms and conditions will be subject to the non-exclusive jurisdiction of the courts of England and Wales.

(16) Registrations. authorisations and details

Company information is provided here.

You can contact us by email to webmaster@financialfluency.co.uk.

This Privacy Policy is courtesy of

Employment Law Contracts and Website Law

Financial Fluency Online Courses

1. Definitions

“the Customer” and “you”

means the user of the Product;

“Financial Fluency”, “we” and “us”

means Financial Fluency Limited registered in England and Wales under No. 06805063 whose registered office is at 27 Old Gloucester Street, London, England, WC1N 3AX

“the Product”

means the online courses and any documents and information provided by Financial Fluency through the Website.

“the Fee”

means the fee paid by the Customer to access and use the Product

“Permitted Use”

means the use of the Product as set out in section 2.

“Website”

means www.financial-fluency.co.uk

2. Permissions and restrictions of use

This Website may be used for your own private purposes and in accordance with these terms of use. Subject to the payment of the Fee and subject to the restrictions laid out in these Terms and Conditions the Customer shall be granted a licence to:

use the Product for their own personal and / or business purposes
print and download material from this Website provided that you do not modify or reproduce any content without our prior written consent.
have unlimited access to the Product within the allowed access period.
You are NOT permitted to:

• permit other individuals to use the course
• rebrand and/or sell any course or content within as your own without written consent from Financial Fluency Limited
• the Customer will not sell any part of the Product to third parties
• you may not in any way copy or otherwise distribute the online course content without the written consent of Financial Fluency
• the course cannot be transferred to another person
• the Customer will not distribute forms, documents and other materials to third parties for sale or resale whether as part of a package or as a separate product
• the Customer will not rent, lease, sub-licence or loan any forms, documents or other parts of the Service to third parties.

Financial Fluency warrants that it has the right to license the Product to you and it will use reasonable skill and care in the provision of the Product.

3. Intellectual Property

Financial Fluency remain the owner of the intellectual property in the online courses. No online course in whole or in part may be reproduced, stored in a retrieval system or transmitted in any way without prior written consent from Financial Fluency.

4. Access

When you purchase a course your access period will begin once the payment is processed. You will then have your specifically purchased accessed period to use the course. If you do not use the course within that time Financial Fluency are not required to extend your access period but may do so at the sole discretion of Financial Fluency.

5. Termination and Cancellation

You have the right to cancel your order from the time of purchase for a period of 7 days provided you have not accessed the course. However, Financial Fluency reserve the right to charge an admin charge. If you have worked through any of the course content you will not be able to cancel your order.

6. Privacy

Any details which you provide to us are held and processed in accordance with the Data Protection Register. For further details see our Privacy Policy.

While we strive to keep any information you enter into the system secure please be aware that the internet is not a fully secure medium.

7. Use of communication facilities

Within our courses you will see answers to activities and comments from other users. Financial Fluency is not responsible for these contributions and cannot be held liable for such contributions. Furthermore any answers that you submit may be shared anonymously with other users and you must therefore comply with the terms of clause 8 below. Failure to do so will result in suspension of access without refund.

8. Visitor provided material

Any material that a visitor or Customer of this Website sends or posts to this Website or its Products shall be considered non-proprietary and non confidential. We shall be entitled to copy, disclose, distribute or use for such other purpose as we deem appropriate all material provided to us, with the exception of personal information, the use of which is covered under our Privacy Policy.

When using this website or its Products you shall not post or send to or from this Website any material:

for which you have not obtained all necessary consents
that is discriminatory, obscene, pornographic, defamatory, liable to incite racial hatred, in breach of confidentiality or privacy, which may cause annoyance or inconvenience to others, which encourages or constitutes conduct that would be deemed a criminal offence, give rise to a civil liability, or otherwise is contrary to the law in the United Kingdom
that is harmful in nature including, and without limitation to, computer viruses, Trojan horses, corrupted data, or other potentially harmful software or data.
We will fully co-operate with any law enforcement authorities or court order requiring us to disclose the identity or other details of any person posting material to this website in breach of this clause.

9. Goods, pricing and availability

The prices of the courses are displayed in the course list and exclude VAT. The amount charged to you will be in the currency stated. Should your credit or debit card be billed in another currency the amount charged to you shall be the equivalent to the price quoted on the basis of the exchange rate charged by your payment card provider on the day or purchase.

All reasonable measures are taken by us to ensure that this Website is operational all day, every day, but we cannot guarantee that it will operate continuously or without interruption. However, occasionally technical issues may result in some downtime and accordingly we will not be liable if this website is unavailable at any time.

Where possible we always try to give advance warning of maintenance issues that may result in Website down time but we shall not be obliged to provide such notice.

Our courses require no software other than a browser connected to the Internet. They are compatible with all commonly used browsers. However, we strongly recommend you access the free demo course before purchasing a course to ensure that your computer can access the courses. Financial Fluency is not responsible for technical problems encountered due to your PC not supporting the courses.

10. Links to and from other websites

Financial Fluency provide links to third party websites for your convenience. These are accessed at your own risk and Financial Fluency makes no representations whatsoever about any other websites you may access through the Products and is not responsible in any way for the content or use of any third party website or for goods or services provided by the operators of these websites. The provision of a link to such a website does not mean that we endorse that website. If you visit any website via a link on this Website you do so at your own sole risk.

Any party wishing to link to this website is entitled to do so provided that the conditions below are observed:

(a) you do not seek to imply that we are endorsing the services or products of another party unless this has been agreed with us in writing

(b) you do not misrepresent your relationship with this website; and

(c) the website from which you link to this Website does not contain offensive or otherwise controversial content or, content that infringes any intellectual property rights or other rights of a third party.

By linking to this Website in breach of this clause you shall indemnify us for any loss or damage suffered to this Website as a result of such linking.

11. Disclaimer

Whilst we do take all reasonable steps to make sure that the information on this website is up to date and accurate at all times we do not guarantee that all material is accurate and, or up to date or complete.

All material contained on this Website and within the Product is provided without any warranty of any kind, and Financial Fluency accept no liability for any loss or damage in relation to it. You use the material on this Website at your own risk.

12. Refund Policy

Financial Fluency operates a refund policy which shall, at all times, be at its sole discretion. Any Customer wishing to avail themselves of the refund policy should contact Financial Fluency for further information.

13. Exclusion of liability

Subject to the other provisions of these Terms and Conditions Financial Fluency shall not be liable for any direct, indirect or consequential loss (all three of which terms include, without limitation, pure economic loss, loss of profits, loss of business, depletion of goodwill and similar loss), costs, damages, charges or expenses caused directly or indirectly by your use of the online courses or any delay in the provision of access to or non-availability of access to the Services.

It remains the responsibility of the Customer to ensure that any form or document acquired as part of the Product is appropriate and complete in all respects for its intended purpose. Financial Fluency accepts liability for direct loss arising from Financial Fluency not having used reasonable skill and care in the provision of the Product up to the price you have paid to Financial Fluency in any year up to the amount of the claim. Financial Fluency accepts liability for death or personal injury caused by negligence and responsibility for fraudulent misrepresentation that cannot by English law be excluded.

No liability shall attach to Financial Fluency or its employees or authors for loss or damage of any nature suffered as a result of the use of the Product or for any errors or omissions in the contents of the Product.

14. Law and jurisdiction

This Agreement is governed by the laws of England and Wales. Any dispute relating to this Agreement shall fall within that jurisdiction, and the parties submit to the exclusive jurisdiction of the English Courts

15. General

Any formal legal notices should be sent to us at the address at the end of these Terms and Conditions by email confirmed by post.

Failure by us to enforce a right does not result in waiver of such right.

You may not assign or transfer your rights under this agreement.

Nothing in these Terms and Conditions is intended to, nor shall it, confer any benefit on a third party whether under the Contracts (Rights of Third Parties) Act 1999 or otherwise.

We may amend these Terms and Conditions at any time by posting a variation on the web site.

Company Information

Financial Fluency Limited registered in England & Wales, number 06805063

VAT registration number 970 3728 08

Data Protection Register Registration Number Z2521842

Registered office: 27 Old Gloucester Street, London, England, WC1N 3AX

Phone: +44 (0)20 333 222 53

Email: companysecretary@financialfluency.co.uk