Terms of Use

Agreement to Terms

These Terms of Use constitute a legally binding agreement between you and glossy-pathway concerning your access to and use of our website glossy-pathway.com and our educational services.

By accessing our website or using our services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not access our website or use our services.

About Our Services

glossy-pathway provides financial education programmes for children and teenagers aged 6-17. Our services include group programmes, family workshops, school partnerships, and private tutoring.

Our programmes are designed to educate and are not intended to provide financial advice. We do not provide regulated financial advice or investment recommendations.

Eligibility

To use our website, you must be at least 18 years old or have parental/guardian consent. To enrol a child in our programmes, you must be the parent or legal guardian of that child, or have appropriate authorisation.

Programme Enrolment

Booking Process

Submitting an enquiry form does not guarantee enrolment. Enrolment is confirmed only when:

1. We have received your enquiry and responded
2. A programme place has been allocated
3. Payment has been received (where applicable)
4. You have received written confirmation from us

Payment Terms

Programme fees are as listed on our website at the time of enquiry. Full payment is required before the programme starts unless alternative arrangements have been agreed in writing.

Cancellation by You

• More than 14 days before start: Full refund
• 7-14 days before start: 50% refund or credit for future programme
• Less than 7 days before start: No refund, credit for future programme at our discretion
• After programme starts: No refund

Cancellation by Us

We reserve the right to cancel a programme due to insufficient enrolment or circumstances beyond our control. In such cases, you will receive a full refund or the option to transfer to another programme.

Conduct During Programmes

Participants are expected to behave respectfully towards facilitators, other participants, and the learning environment. We reserve the right to remove any participant whose behaviour disrupts the programme, with no refund provided.

Parents/guardians are responsible for ensuring children are collected promptly at the end of each session.

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of glossy-pathway or our content suppliers and is protected by United Kingdom and international copyright laws.

You may not reproduce, distribute, modify, or create derivative works from any content on this website without our prior written consent.

Materials provided during programmes are for personal educational use only and may not be reproduced or distributed.

Website Use

Permitted Use

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

• Use the website in any way that violates applicable laws or regulations
• Attempt to gain unauthorised access to any part of the website
• Use automated systems to access the website without permission
• Introduce viruses or other malicious code
• Collect user information without consent

Accuracy of Information

We strive to keep information on our website accurate and up-to-date. However, we do not guarantee the accuracy, completeness, or timeliness of any information. Programme details, pricing, and availability are subject to change.

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 available at all times without interruption
• The website will be free from errors or defects
• The website will be free from viruses or other harmful components

Limitation of Liability

To the fullest extent permitted by law, glossy-pathway shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services.

Our total liability to you for any claims arising from your use of our services shall not exceed the amount you paid for the relevant programme.

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

Indemnification

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

External Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of use of any external sites. Linking does not imply endorsement.

Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated revision date. Your continued use of our website after changes are posted constitutes acceptance of the modified Terms.

Governing Law

These Terms shall be 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 is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Contact Information

For questions about these Terms, please contact us: