Terms of Use

Agreement to Terms

By accessing and using twinkling-trek.com and enrolling in our financial education programmes, you agree to be bound by these Terms of Use. If you disagree with any part of these terms, please do not use our services.

Programme Enrolment and Payment

Enrolment Process

Enrolment is confirmed upon receipt of payment and completion of the enrolment form. We reserve the right to decline enrolment if a programme is fully booked or if we determine it is not suitable for the participant.

Pricing and Payment

All prices are listed in British Pounds (GBP) and include VAT where applicable. Payment is required in full before programme commencement unless alternative arrangements have been agreed in writing.

Cancellation and Refund Policy

• More than 14 days before start: Full refund minus £25 administrative fee
• 7-14 days before start: 50% refund
• Less than 7 days before start: No refund, but you may transfer to a future programme within 6 months

Cancellations must be submitted in writing via email to [email protected].

Programme Delivery

Schedule Changes

We reserve the right to modify session dates or delivery methods due to unforeseen circumstances. Enrolled participants will receive at least 48 hours notice of any changes where possible.

Missed Sessions

If a participant misses a session, we will provide catch-up materials. No refunds are provided for missed sessions. We can arrange individual catch-up sessions at an additional fee.

Programme Cancellation by Us

If we need to cancel a programme due to insufficient enrolments or other circumstances, enrolled participants will receive a full refund or the option to transfer to an alternative programme.

Participant Conduct

Participants are expected to:

• Treat educators and other participants with respect
• Arrive on time for sessions
• Complete assigned activities
• Notify us of any accessibility requirements or learning needs

We reserve the right to remove participants whose behaviour is disruptive or inappropriate, without refund.

Intellectual Property

All programme materials, content, and resources provided by twinkling-trek are protected by copyright and intellectual property laws. You may:

• Use materials for personal educational purposes
• Share within your immediate household

You may not:

• Reproduce materials for commercial purposes
• Distribute or sell our materials
• Modify materials and present them as your own

Limitation of Liability

Our financial education programmes provide general information and do not constitute professional financial advice. While we strive for accuracy, we cannot guarantee specific financial outcomes from applying learned concepts.

To the fullest extent permitted by law, twinkling-trek shall not be liable for any indirect, incidental, or consequential damages arising from programme participation.

Safeguarding

We are committed to safeguarding the welfare of all children and young people. All staff undergo enhanced DBS checks. If we have concerns about a child's welfare, we will follow statutory safeguarding procedures.

Photography and Recording

We may take photographs or record sessions for quality assurance and training purposes. We will always obtain explicit consent before using any images for marketing purposes. You may opt out of being photographed at any time.

Website Use

Acceptable Use

You agree not to:

• Use our website for any unlawful purpose
• Attempt to gain unauthorised access to our systems
• Interfere with website security features
• Transmit malicious code or viruses

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content or privacy practices of external sites.

Data Protection

Your use of our services is also governed by our Privacy Policy and GDPR compliance statement. Please review these documents to understand how we handle personal information.

Changes to Terms

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

Governing Law

These Terms of Use are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

Contact Information

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

Email: [email protected]
Address: 47 Meadow Lane, Liverpool, L8 3QR, United Kingdom

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.