Terms of Use

Last updated: October 2024

Agreement to Terms

By accessing or using the Sunny-muse website and 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. We reserve the right to modify these terms at any time, and continued use of the website following any changes constitutes acceptance of the modified terms.

Description of Services

Sunny-muse provides financial education courses and related services to individuals of various ages. Our services include in-person courses, educational materials, and related support. The specific details, schedule, and pricing of each course are described on our website and in course documentation.

Educational Purpose

All content provided through our courses and website is for educational purposes only. Our courses are designed to teach general principles of financial management and should not be interpreted as personalised financial advice. We do not provide:

• Investment advice or recommendations for specific financial products
• Tax advice or tax planning services
• Legal advice regarding financial matters
• Guarantees of financial outcomes or results

Before making significant financial decisions, we recommend consulting with qualified professionals who can assess your individual circumstances.

Course Enrolment and Payment

Enrolment in our courses is subject to availability and acceptance. By submitting an enrolment request, you agree to:

• Provide accurate and complete information
• Pay the applicable course fees as specified
• Adhere to our cancellation and refund policies
• Attend scheduled sessions or notify us of absences

Payment Terms

Full payment is required before the course start date unless alternative arrangements have been agreed in writing. We accept payment via bank transfer and major credit and debit cards. Payment plans may be available for courses priced above £300; please enquire for details.

Cancellation and Refunds

You may cancel your enrolment and receive a full refund up to 14 days before the first session of your course. Cancellations made within 14 days of the start date may receive a partial refund or credit towards a future course at our discretion. No refunds are available after the course has commenced, except in exceptional circumstances which will be assessed on a case-by-case basis.

Intellectual Property

All content on this website and in our course materials, including text, graphics, logos, images, and software, is the property of Sunny-muse or its content suppliers and is protected by United Kingdom and international copyright laws.

You may not:

• Reproduce, distribute, or publicly display our content without written permission
• Use our materials for commercial purposes
• Modify or create derivative works from our content
• Remove any copyright or proprietary notices from materials

Course materials are provided for your personal educational use only and may not be shared with others or used for any commercial purpose.

User Conduct

When using our website or participating in our courses, you agree to:

• Behave respectfully towards instructors and other participants
• Not disrupt classes or interfere with others' learning
• Not submit false or misleading information
• Not attempt to gain unauthorised access to our systems
• Not use our website for any unlawful purpose
• Comply with all applicable laws and regulations

We reserve the right to refuse service or remove any participant whose conduct we deem inappropriate, without refund.

Limitation of Liability

To the fullest extent permitted by law, Sunny-muse shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or inability to use our website or services
• Any financial decisions you make based on information learned in our courses
• Any errors or omissions in our content or materials
• Interruption or cessation of our services
• Any third-party conduct or content

Our total liability for any claims arising from your use of our services shall not exceed the amount you paid for the specific course giving rise to the claim.

Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that:

• Our services will meet your specific requirements
• Our services will be uninterrupted, timely, secure, or error-free
• The results obtained from our services will be accurate or reliable
• Any errors in our materials will be corrected

Indemnification

You agree to indemnify and hold harmless Sunny-muse, its directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from your use of our website or services, your violation of these terms, or your violation of any rights of another party.

Third-Party Links

Our website may contain links to third-party websites or resources. These links are provided for convenience only, and we do not endorse or assume responsibility for the content or practices of any linked sites. Your use of third-party websites is at your own risk and subject to their terms and policies.

Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these terms or your use of our services 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 or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms of Use, together with our Privacy Policy and any course-specific terms, constitute the entire agreement between you and Sunny-muse regarding the use of our website and services.

Contact Information

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

Sunny-muse
42 Chancery Lane
London, WC2A 1PL
United Kingdom
Email: [email protected]