Terms of Use

Agreement to Terms

By accessing and using fluidor-spark.com (the "Website") and our services, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you must not use our Website or services.

Services Description

fluidor-spark provides financial education programs for children and teenagers in Birmingham, United Kingdom. Our services include workshops, courses, mentoring sessions, and family programs designed to teach money management skills.

Enrollment and Payment Terms

Enrollment Process

To enroll in our programs, you must:

• Be a parent or legal guardian of the child participant
• Provide accurate and complete enrollment information
• Be at least 18 years old

Payment

Payment for programs is due at the time of enrollment unless alternative arrangements have been agreed in writing. All prices are in GBP and include VAT where applicable.

Cancellation and Refund Policy

• More than 14 days before program start: Full refund minus £15 administrative fee
• 7-14 days before program start: 50% refund
• Less than 7 days before program start: No refund, but you may transfer to a future session subject to availability

Rescheduling

If you need to reschedule, please contact us at least 48 hours in advance. We will do our best to accommodate rescheduling requests subject to availability. Last-minute cancellations may forfeit the session.

Program Participation

Participant Conduct

Participants are expected to:

• Treat instructors and fellow participants with respect
• Arrive on time for sessions
• Participate actively and constructively
• Follow facility rules and safety guidelines

Removal from Program

We reserve the right to remove a participant from a program if their behavior is disruptive, disrespectful, or unsafe. In such cases, no refund will be provided.

Intellectual Property

All content on this Website, including text, graphics, logos, images, and course materials, is the property of fluidor-spark or its content suppliers and is protected by UK and international copyright laws.

You may not reproduce, distribute, modify, or create derivative works from our content without express written permission.

Website Use

Permitted Use

You may use our Website to:

• Browse information about our services
• Enroll in programs
• Contact us with inquiries

Prohibited Use

You may not:

• Use the Website for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Transmit viruses or malicious code
• Collect user information without consent
• Impersonate any person or entity
• Interfere with the proper functioning of the Website

Limitation of Liability

To the fullest extent permitted by law, fluidor-spark shall not be liable for:

• Any indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Damages arising from use or inability to use our services

Our total liability shall not exceed the amount paid by you for the specific program or service giving rise to the claim.

Indemnification

You agree to indemnify and hold harmless fluidor-spark, its directors, employees, and agents from any claims, damages, losses, or expenses arising from your violation of these Terms of Use or your use of our services.

Privacy

Your use of our Website and services is also governed by our Privacy Policy and GDPR Compliance Statement. Please review these documents to understand how we collect and use your information.

Program Changes

We reserve the right to:

• Modify program content, schedules, or instructors
• Cancel programs due to insufficient enrollment or unforeseen circumstances
• Change pricing for future programs

If we cancel a program, you will receive a full refund or the option to transfer to an alternative program.

Third-Party Links

Our Website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of use of external sites. 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. We do not warrant that:

• The Website will be uninterrupted or error-free
• Defects will be corrected
• The Website is free from viruses or harmful components

Educational Purpose

Our programs provide general financial education and do not constitute professional financial advice. Participants should consult qualified financial advisors for personalized guidance on specific financial decisions.

Age Requirements

Our programs are designed for children and teenagers aged 8-18. Enrollment must be completed by a parent or legal guardian.

Photography and Media

We may take photographs or videos during our programs for promotional purposes. If you do not wish your child to be included in such materials, please inform us in writing at enrollment.

Governing Law

These Terms of Use are governed by the laws of England and Wales. Any disputes 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 unenforceable, the remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms of Use, together with our Privacy Policy and GDPR Compliance Statement, constitute the entire agreement between you and fluidor-spark regarding use of our Website and services.

Changes to Terms

We may update these Terms of Use from time to time. Continued use of our Website and services after changes are posted constitutes acceptance of the modified terms. We will notify you of significant changes via email or prominent website notice.

Contact Information

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

Email: [email protected]
Address: 42 Harborne Road, Birmingham, B15 3AA, United Kingdom