Terms of Use

1. Acceptance of Terms

Welcome to cyber-flick. By accessing or using our website (cyber-flick.com) and services, you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree with any part of these terms, you may not use our services.

These terms apply to all visitors, users, and others who access or use the service.

2. Description of Service

cyber-flick provides financial education programmes for children and teenagers, including:

• In-person and online educational courses
• Family workshops and school partnership programmes
• One-to-one mentoring services
• Educational resources and materials
• Website content and information

3. Eligibility and Registration

3.1 Age Requirements

Our programmes are designed for children and teenagers aged 7-18. Enrollment must be completed by a parent or legal guardian for participants under 18 years of age.

3.2 Parental Consent

By enrolling a child or teenager in our programmes, you represent and warrant that:

• You are the parent or legal guardian of the participant
• You have the authority to consent to the participant's enrollment
• All information provided is accurate and truthful
• You consent to the collection and processing of the participant's personal data as outlined in our Privacy Policy

3.3 Account Information

You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use.

4. Enrollment and Payment

4.1 Programme Fees

Programme fees are listed on our website and are subject to change. The price quoted at the time of enrollment is the price you will pay for that programme.

4.2 Payment Terms

• Full payment is due within 7 days of enrollment confirmation unless alternative payment arrangements have been agreed
• We accept payment by bank transfer, credit card, or debit card
• Payment plans may be available upon request
• Failure to make timely payment may result in suspension or termination of services

4.3 Refund Policy

We offer the following refund policy:

• Full Refund: If you cancel more than 14 days before the programme start date
• 50% Refund: If you cancel 7-14 days before the programme start date
• No Refund: If you cancel less than 7 days before the programme start date
• Pro-rata Refund: If we cancel or fail to deliver the programme, you will receive a full or pro-rata refund

To request a refund, email [email protected] with your enrollment details. Refunds will be processed within 14 working days.

5. Programme Participation

5.1 Attendance

• Regular attendance is expected for optimal learning outcomes
• If a participant cannot attend a session, please notify us as soon as possible
• We will provide catch-up materials when sessions are missed
• Make-up sessions may be arranged when feasible

5.2 Behavior Expectations

Participants are expected to:

• Treat instructors and other participants with respect
• Engage constructively with programme content
• Follow instructions and guidelines provided by instructors
• Maintain confidentiality of other participants' personal information shared in sessions

5.3 Removal from Programme

We reserve the right to remove a participant from a programme without refund if their behavior is disruptive, disrespectful, or otherwise interferes with the learning environment.

6. Intellectual Property

6.1 Our Content

All content on our website and in our programmes, including text, graphics, logos, images, videos, and educational materials, is the property of cyber-flick or its licensors and is protected by copyright, trademark, and other intellectual property laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to:

• Access and use our website for personal, non-commercial purposes
• Use educational materials provided during your enrolled programme for personal learning

6.3 Restrictions

You may not:

• Reproduce, distribute, modify, or create derivative works from our content without written permission
• Use our content for commercial purposes
• Share programme materials with non-participants
• Remove copyright or other proprietary notices from materials

7. User Conduct

When using our website or services, you agree not to:

• Violate any applicable laws or regulations
• Infringe on the rights of others
• Transmit harmful, threatening, abusive, defamatory, or otherwise objectionable content
• Impersonate any person or entity
• Interfere with or disrupt our website or services
• Attempt to gain unauthorized access to our systems
• Collect information about other users without consent
• Use our services for any fraudulent or illegal purpose

8. Third-Party Links

Our website may contain links to third-party websites or services. These links are provided for convenience only. We do not endorse or assume responsibility for the content, privacy policies, or practices of third-party sites. You access them at your own risk.

9. Disclaimers

9.1 Educational Nature

Our programmes provide general financial education and are not financial advice. We do not provide personalized financial advice, tax advice, or investment recommendations. Participants should consult qualified professionals for specific financial guidance.

9.2 No Guarantees

While we strive for excellence in education, we make no guarantees regarding:

• Specific learning outcomes or financial results
• Future financial success of participants
• The suitability of our programmes for every individual's needs

9.3 Website Availability

We do not guarantee that our website will be uninterrupted, timely, secure, or error-free. We may suspend or modify services for maintenance or other reasons without notice.

10. Limitation of Liability

To the fullest extent permitted by law:

• cyber-flick, its directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services
• Our total liability for any claim arising from our services shall not exceed the amount paid by you for the specific programme giving rise to the claim
• We are not liable for any loss or damage caused by circumstances beyond our reasonable control

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

11. Indemnification

You agree to indemnify and hold harmless cyber-flick and its affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your violation of these Terms of Use
• Your violation of any rights of another party
• Your use of our services in a manner not authorized by these terms

12. Changes to Services and Terms

12.1 Service Changes

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time. If we make material changes to a programme you've enrolled in, we will notify you and offer alternatives or refunds as appropriate.

12.2 Terms Updates

We may revise these Terms of Use from time to time. The "Last updated" date indicates when changes were made. Material changes will be communicated via email or website notice. Continued use after changes constitutes acceptance of revised terms.

13. Termination

13.1 By You

You may terminate your enrollment in a programme according to our refund policy outlined in Section 4.3.

13.2 By Us

We may terminate or suspend your access to services immediately, without prior notice, for:

• Breach of these Terms of Use
• Non-payment of fees
• Behavior that disrupts services or harms others
• Fraudulent or illegal activity

13.3 Effect of Termination

Upon termination:

• Your right to use our services ceases immediately
• You must return or destroy any programme materials provided
• Provisions regarding intellectual property, disclaimers, and limitations of liability survive termination

14. Privacy and Data Protection

Our collection, use, and protection of personal data is governed by our Privacy Policy and GDPR compliance information. By using our services, you consent to such processing and warrant that all data provided is accurate.

15. Safeguarding

cyber-flick is committed to safeguarding children and young people. We:

• Conduct background checks on all staff and educators
• Follow safeguarding policies aligned with UK regulations
• Provide training to staff on child protection
• Maintain appropriate ratios of adults to participants
• Have procedures for reporting concerns

If you have safeguarding concerns, contact us immediately at [email protected].

16. 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.

17. Dispute Resolution

If you have a concern or dispute, please contact us first at [email protected]. We will attempt to resolve disputes informally and in good faith.

If informal resolution is unsuccessful, you may pursue legal remedies through the courts or alternative dispute resolution mechanisms.

18. Severability

If any provision of these Terms of Use is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

19. Waiver

Our failure to enforce any right or provision of these terms shall not constitute a waiver of such right or provision. No waiver shall be effective unless made in writing and signed by an authorized representative.

20. Entire Agreement

These Terms of Use, together with our Privacy Policy and any programme-specific terms, constitute the entire agreement between you and cyber-flick regarding use of our services, superseding any prior agreements.

21. Assignment

You may not assign or transfer these terms or your rights under them without our written consent. We may assign our rights and obligations without restriction.

22. Contact Information

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

cyber-flick
17 Harbourside Walk
Bristol, BS1 6TL
United Kingdom
Email: [email protected]

23. Acknowledgment

By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.