Terms of Use

Agreement to Terms

By accessing and using this website and booking our educational programmes, 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, please do not use our website or services.

These terms apply to all visitors, users, and others who access or use our services.

Service Description

newtide-phantom provides financial education programmes for children and teenagers in Manchester. Our services include:

• Age-appropriate financial literacy workshops
• Investment education for older teenagers
• Family financial education sessions
• Individual mentoring services
• School partnership programmes

All services are educational in nature and do not constitute professional financial advice.

Booking and Payment

Programme Bookings

When you submit a booking request through our website:

• Your request is subject to availability confirmation
• We will confirm your booking within 48 hours
• Payment is required in advance of attending the programme
• Confirmation emails constitute binding agreements

Pricing

All prices are displayed in British Pounds (GBP) and include applicable taxes. Prices are subject to change, but confirmed bookings will honour the price at the time of booking.

Payment Methods

We accept payment via bank transfer or card payment through our secure payment processor. Payment details will be provided upon booking confirmation.

Cancellation and Refund Policy

Cancellations by You

• More than 7 days before session: Full refund provided
• 3-7 days before session: 50% refund provided
• Less than 3 days before session: No refund available

Rescheduling

You may reschedule your session without penalty if you provide at least 48 hours notice. Rescheduling is subject to availability.

Cancellations by Us

We reserve the right to cancel sessions due to insufficient enrollment, instructor illness, or unforeseen circumstances. In such cases, you will receive a full refund or the option to reschedule at no additional cost.

User Responsibilities

When using our website and services, you agree to:

• Provide accurate and complete information
• Maintain the confidentiality of any account credentials
• Notify us promptly of any changes to your contact information
• Ensure participants arrive on time for scheduled sessions
• Respect our educators and other participants
• Not disrupt educational sessions or website functionality

Educational Disclaimer

Important: Our programmes provide general financial education and are not professional financial advice. Specifically:

• Information is for educational purposes only
• We do not provide personalised investment recommendations
• Results and learning outcomes may vary between participants
• Participants should consult qualified financial advisers for specific financial planning
• Parents and guardians should supervise and guide young people in financial decisions
• We are not liable for financial decisions made based on programme content

Intellectual Property

All content on this website, including text, graphics, logos, images, and educational materials, is the property of newtide-phantom or its content suppliers and is protected by copyright and intellectual property laws.

You may not:

• Reproduce, distribute, or modify website content without permission
• Use materials for commercial purposes
• Remove copyright or proprietary notices
• Share or distribute programme materials provided to participants

Educational materials provided to participants may be used for personal learning but not for commercial redistribution.

Privacy and Data Protection

We take your privacy seriously. Information about how we collect, use, and protect your personal data is detailed in our Privacy Policy and GDPR Compliance Statement.

By using our services, you consent to data collection and use as described in these documents.

Children's Participation

Our programmes serve children and teenagers. Parents and guardians should:

• Review programme content to ensure age-appropriateness
• Provide accurate age and educational background information
• Ensure children have necessary support to participate effectively
• Supervise how children apply learned financial concepts

For participants under 13, parental consent is required for data collection and programme participation.

Limitation of Liability

To the fullest extent permitted by law:

• We provide educational services on an "as is" basis
• We do not guarantee specific learning outcomes or results
• We are not liable for financial decisions made by participants
• Our liability for any claim arising from our services is limited to the amount paid for the relevant programme
• We are not liable for indirect, consequential, or incidental damages

This limitation does not affect liability that cannot be excluded or limited under applicable law, such as liability for death or personal injury caused by negligence.

Indemnification

You agree to indemnify and hold harmless newtide-phantom, its educators, and affiliates from any claims, damages, or expenses arising from:

• Your violation of these Terms of Use
• Your violation of any rights of another party
• Misuse of information provided in our programmes

Website Use and Availability

We strive to maintain website availability but do not guarantee uninterrupted access. We may:

• Temporarily suspend access for maintenance
• Modify or discontinue features without notice
• Restrict access to certain features or content

We are not liable for any unavailability of the website or loss of data.

Links to Third-Party Websites

Our website may contain links to third-party websites for your convenience. We do not endorse or control these websites and are not responsible for their content, privacy policies, or practices.

Accessing third-party links is at your own risk.

Governing Law and Jurisdiction

These Terms of Use are governed by the laws of England and Wales. Any disputes arising from these terms or our services will be subject to the exclusive jurisdiction of the courts of England and Wales.

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 website and services after changes constitutes acceptance of the modified terms.

For significant changes, we may provide additional notice through email or prominent website notification.

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.

Entire Agreement

These Terms of Use, together with our Privacy Policy and any other legal notices published on this website, constitute the entire agreement between you and newtide-phantom regarding use of our website and services.

Contact Information

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

Email: [email protected]
Address: 42 Deansgate, Manchester, M3 2FF, United Kingdom