Terms of Use

Acceptance of Terms

By accessing and using the thicket-muse website and services, you accept and agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you should not use our website or enroll in our courses.

Services Description

thicket-muse provides financial education services including courses, workshops, and related educational materials covering various aspects of personal finance, investment strategies, and money management. Our services are designed for informational and educational purposes.

Educational Nature of Content

All content, courses, and materials provided through thicket-muse are for educational purposes only. They do not constitute professional financial advice, investment recommendations, or guidance tailored to individual circumstances. You should not rely solely on our educational content when making financial decisions.

We strongly recommend consulting with qualified financial advisers, accountants, or other appropriate professionals before implementing any financial strategies or making significant financial decisions based on knowledge gained through our courses.

Enrollment and Access

Enrollment in courses requires completion of our registration process and payment of applicable fees. Upon successful enrollment:

• You receive access to course materials according to the schedule for your selected programme
• Access credentials are personal and non-transferable
• You are responsible for maintaining the confidentiality of your account information
• Sharing access credentials with others is prohibited

We reserve the right to refuse enrollment or revoke access for violations of these terms or disruptive behavior during courses.

Payment Terms

Course fees are clearly displayed before enrollment. By completing enrollment, you agree to pay the stated fees. Payment terms include:

• Full payment is required before course access unless installment arrangements have been explicitly agreed
• All fees are stated in British Pounds (GBP) unless otherwise specified
• We accept payment methods displayed during the checkout process
• Payment processing is handled by secure third-party payment providers

Cancellation and Refund Policy

Cancellation terms vary by course type and timing:

• Cancellations made more than 14 days before course start date: full refund minus administrative fee of £25
• Cancellations made 7-14 days before course start: 50% refund
• Cancellations made less than 7 days before course start or after course begins: no refund

Refund requests must be submitted in writing to [email protected]. Refunds are processed within 14 business days of approval and returned via the original payment method.

We reserve the right to cancel courses due to insufficient enrollment or unforeseen circumstances. In such cases, enrolled students receive full refunds or transfer options to alternative courses.

Intellectual Property Rights

All content on the thicket-muse website and in course materials, including text, graphics, logos, images, videos, and software, is our property or that of our content suppliers and is protected by copyright, trademark, and other intellectual property laws.

You are granted limited license to:

• Access and view website content for personal, non-commercial use
• Download and use course materials for personal learning purposes only
• Print reasonable portions of materials for study reference

You may not:

• Reproduce, distribute, or publicly display our content without written permission
• Modify, create derivative works, or reverse engineer our materials
• Remove copyright notices or proprietary markings
• Use our content for commercial purposes or commercial training
• Share course access credentials or materials with non-enrolled individuals

User Conduct

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

• Provide accurate, current, and complete information during enrollment
• Maintain respectful communication with instructors and fellow students
• Refrain from disruptive behavior during sessions
• Not use our services for any unlawful purpose
• Not attempt to gain unauthorized access to our systems or other user accounts
• Not transmit viruses, malware, or other harmful code
• Not harass, threaten, or harm others

Violation of conduct standards may result in removal from courses without refund and restriction from future enrollment.

Disclaimer of Warranties

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

• The accuracy, completeness, or reliability of content
• Uninterrupted or error-free operation of our website
• Specific outcomes or results from completing courses
• The suitability of strategies discussed for your individual circumstances

Financial markets and regulations change constantly. While we strive to keep course content current, we cannot guarantee all information reflects the most recent developments.

Limitation of Liability

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

• Your use of or inability to use our services
• Financial decisions made based on course content
• Errors or omissions in educational materials
• Unauthorized access to your account or personal information
• Technical failures or interruptions to service

Our maximum liability for any claims related to our services shall not exceed the fees paid by you for the specific course giving rise to the claim.

Third-Party Links

Our website may contain links to third-party websites for reference or additional information. We are not responsible for the content, accuracy, or practices of external sites. Use of third-party websites is at your own risk, and you should review their terms and privacy policies.

Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy and GDPR compliance documentation. We collect and process personal data in accordance with applicable data protection laws. Please review these documents to understand how we handle your information.

Modifications to Terms

We reserve the right to modify these Terms of Use at any time. Changes become effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes acceptance of the modified terms. We will make reasonable efforts to notify enrolled students of significant changes.

Modifications to Services

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time, including course offerings, content, features, or availability. We will provide reasonable notice of significant changes affecting enrolled students.

Governing Law and Jurisdiction

These Terms of Use are governed by the laws of England and Wales. Any disputes arising from these terms or 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 invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be replaced with a valid provision that most closely reflects the original intent.

Entire Agreement

These Terms of Use, together with our Privacy Policy and GDPR compliance documentation, constitute the entire agreement between you and thicket-muse regarding use of our services and supersede any prior agreements or understandings.

Contact Information

For questions about these Terms of Use or our services, contact us at:

thicket-muse
147 Deansgate
Manchester M3 3WR
United Kingdom
Email: [email protected]