Terms of Use

Last updated: October 2024

These Terms of Use govern your access to and use of the Stone-rhythm website and services. By accessing or using our website, you agree to be bound by these terms. If you do not agree with any part of these terms, please do not use our website.

About Stone-rhythm

Stone-rhythm provides financial education courses and related services in Birmingham, United Kingdom. We offer educational programmes for children, teenagers, and adults designed to improve financial literacy and money management skills.

Use of Our Website

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 or its systems
• Transmit any harmful code, viruses, or malicious software
• Interfere with or disrupt the operation of the website
• Collect or harvest information about other users without consent
• Use automated systems to access the website without permission
• Impersonate any person or entity or misrepresent your affiliation

Educational Content

The content provided on this website and through our courses is for educational purposes only. It does not constitute:

• Personal financial advice
• Investment recommendations
• Legal or tax advice
• Professional financial planning services

You should always consult qualified professionals before making significant financial decisions. Stone-rhythm is not regulated by the Financial Conduct Authority and does not provide regulated financial services.

Course Enrolment and Payment

When you enrol in a course, you agree to:

• Provide accurate and complete information
• Pay the applicable course fees as specified
• Attend scheduled sessions or notify us of absences
• Respect other participants and instructors
• Not share course materials without permission

Cancellation and Refunds

Our cancellation policy is as follows:

• Cancellations more than 14 days before the course start date receive a full refund
• Cancellations within 14 days of the start date may be offered credit towards a future course or transfer to another participant
• No refunds are available once a course has commenced
• We reserve the right to cancel or reschedule courses with reasonable notice

Intellectual Property

All content on this website, including text, graphics, logos, images, and course materials, is the property of Stone-rhythm or our licensors and is protected by copyright and other intellectual property laws.

You may not:

• Reproduce, distribute, or modify any content without written permission
• Use our trademarks or branding without authorisation
• Create derivative works based on our content
• Use our materials for commercial purposes without consent

User Submissions

If you submit information through our website, including enquiry forms, you grant us the right to use that information to respond to your request and provide our services. You represent that any information you provide is accurate and that you have the right to submit it.

Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding:

• The accuracy, completeness, or reliability of any content
• The availability or uninterrupted operation of the website
• The results you may achieve from using our services
• The suitability of our courses for your specific circumstances

Limitation of Liability

To the fullest extent permitted by law, Stone-rhythm 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 for any claims shall not exceed the amount you paid for the relevant course or service.

Indemnification

You agree to indemnify and hold harmless Stone-rhythm, its directors, employees, and agents from any claims, damages, losses, or expenses arising from your violation of these terms or your use of our website and services.

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 these external sites. Accessing third-party links is at your own risk.

Modifications

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to this page. Your continued use of the website after changes are posted constitutes acceptance of the modified terms.

Governing Law

These Terms of Use are governed by the laws of England and Wales. Any disputes arising from these terms or your 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.

Contact

If you have questions about these Terms of Use, please contact us:

Stone-rhythm
47 Colmore Row
Birmingham B3 2AA
United Kingdom

Email: [email protected]