Terms of Use

Last updated: January 2024

Agreement to Terms

By accessing or using the Tidalthorn website (tidalthorn.com) and our services, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our website or services.

We reserve the right to modify these terms at any time. Your continued use of the website following any changes constitutes acceptance of those changes.

Use of Our Website

You may use our website for lawful purposes only. You agree not to:

• Use the website in any way that violates applicable local, national, or international law
• Attempt to gain unauthorised access to any part of the website, server, or any connected database
• Transmit any material that is defamatory, offensive, or otherwise objectionable
• Use automated systems or software to extract data from the website without our permission
• Interfere with or disrupt the website or servers

Our Services

Tidalthorn provides financial management education through courses and workshops. Our services are educational in nature and are not intended to provide personalised financial advice.

Course Enrolment

When you submit an enquiry or register for a course:

• You agree to provide accurate and complete information
• You confirm that you are at least 18 years of age, or have parental/guardian consent for younger participants
• You understand that course availability is subject to minimum numbers and scheduling

Payment Terms

Course fees are due as specified at the time of enrolment. We accept payment by bank transfer or card. Full payment is typically required before the course start date unless an instalment plan has been agreed.

Cancellation and Refunds

Our cancellation policy is as follows:

• Cancellations made 7 or more days before the course start date: Full refund
• Cancellations made 3-6 days before: 50% refund
• Cancellations made less than 3 days before: No refund
• If we cancel a course: Full refund or transfer to an alternative date

Refunds will be processed within 14 days using the original payment method.

Intellectual Property

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

You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.

Course Materials

Course materials provided to enrolled students are for personal educational use only. You may not:

• Share, distribute, or sell course materials to third parties
• Use materials for commercial purposes
• Remove any copyright or proprietary notices

Disclaimer

The information provided on this website and through our courses is for general educational purposes only. It does not constitute financial advice and should not be relied upon as such.

We make no representations or warranties about the accuracy, completeness, or suitability of the information. Any reliance you place on such information is strictly at your own risk.

Individual results from our courses may vary depending on personal circumstances, prior knowledge, and application of concepts learned. We do not guarantee specific outcomes or financial results.

Limitation of Liability

To the fullest extent permitted by law, Tidalthorn shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Any loss of profits, revenue, data, or goodwill
• Any damages arising from your use of our website or services
• Any financial decisions made based on information from our courses

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

Third-Party Links

Our website may contain links to third-party websites. These links are provided for convenience only. We have no control over and accept no responsibility for the content, privacy policies, or practices of any third-party websites.

Privacy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

Governing Law

These terms shall be governed by and construed in accordance with the laws of Scotland and the United Kingdom. Any disputes arising from these terms or your use of our website or services shall be subject to the exclusive jurisdiction of the courts of Scotland.

Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms of Use, together with our Privacy Policy and any specific terms agreed at the time of course enrolment, constitute the entire agreement between you and Tidalthorn regarding your use of our website and services.

Contact Us

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

Tidalthorn
47 Buchanan Street
Glasgow G1 3HL
United Kingdom
Email: [email protected]