Terms of Use

1. Acceptance of Terms

By accessing and using the ridge-kudu website ("the Website") and services, you accept and 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.

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

2. Description of Services

Ridge-kudu provides financial education courses and related services. Our services include:

• In-person financial management courses for adults and young people
• Educational materials and resources
• Corporate training programmes
• Information about financial literacy topics

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time.

3. Educational Purpose Disclaimer

The content provided through our Website and courses is for educational purposes only. It does not constitute professional financial, legal, tax, or investment advice.

You should consult with qualified professionals before making financial decisions based on information learned through our courses. Individual circumstances vary, and general educational content may not apply to your specific situation.

Results from applying financial principles taught in our courses may vary significantly between individuals. Past success of techniques does not guarantee future results.

4. Course Registration and Payment

Registration

By registering for a course, you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your registration details.

Payment

Course fees are stated in British Pounds Sterling (GBP) and must be paid in full before the course start date unless a payment plan has been agreed in writing.

Cancellation by You

• More than 14 days before course start: Full refund
• 7-14 days before course start: 50% refund or transfer to another cohort
• Less than 7 days before course start: Transfer to another cohort only

Cancellation by Us

We reserve the right to cancel courses due to insufficient enrolment or unforeseen circumstances. In such cases, you will receive a full refund or the option to transfer to another course.

5. Intellectual Property

All content on this Website, including text, graphics, logos, images, and course materials, is the property of ridge-kudu or its content suppliers and is protected by intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content from our Website or course materials without prior written permission.

Course materials are provided for your personal, non-commercial use only. You may not share, resell, or distribute course materials to third parties.

6. User Conduct

When using our Website and services, you agree not to:

• Violate any applicable laws or regulations
• Infringe on the rights of others
• Submit false or misleading information
• Attempt to gain unauthorised access to our systems
• Interfere with the proper functioning of the Website
• Use automated systems to access the Website without permission
• Collect or store personal data about other users

7. Limitation of Liability

To the maximum extent permitted by law, ridge-kudu shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from:

• Your use of or inability to use our services
• Any financial decisions made based on information from our courses
• Unauthorised access to your data
• Errors or omissions in our content
• Any third-party conduct on our Website

Our total liability for any claims arising from your use of our services shall not exceed the amount you paid for the relevant course.

8. Indemnification

You agree to indemnify and hold harmless ridge-kudu, its directors, employees, and agents from any claims, losses, damages, liabilities, and expenses arising from your use of our services or violation of these Terms.

9. Third-Party Links

Our Website may contain links to third-party websites. We do not control or endorse these websites and are not responsible for their content or privacy practices. Use of third-party websites is at your own risk.

10. Modifications to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the Website. Your continued use of our services after changes constitutes acceptance of the modified terms.

We will make reasonable efforts to notify registered users of significant changes via email.

11. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

12. Severability

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

13. Contact Information

For questions about these Terms of Use, please contact: