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Terms of Use

Last Updated: August 2026

1. Acceptance of Terms

By accessing and using this website and enrolling in our courses, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please do not use our website or services.

2. Course Enrollment and Payment

When you enroll in a course, you enter into a binding agreement to participate in that course and pay the stated fees. Payment terms will be provided in your enrollment confirmation email.

Payment

Course fees must be paid in full before the start of the course unless alternative payment arrangements have been agreed in writing.

Cancellation and Refunds

You may cancel your enrollment for a full refund if you notify us before the second session of your course. After the second session, refunds will be calculated on a prorated basis for remaining sessions, minus an administrative fee.

3. Course Attendance and Participation

Students are expected to attend all scheduled sessions. If you miss a session, we will provide course materials where available, but we cannot guarantee individual make-up instruction.

4. Intellectual Property

All course materials, content, and resources provided are the intellectual property of dapper-raven or our licensors. You may not reproduce, distribute, or create derivative works from our materials without written permission.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use course materials solely for your personal educational purposes.

5. Code of Conduct

We maintain a respectful learning environment. Students must:

  • Treat instructors and fellow students with respect
  • Refrain from disruptive behavior
  • Maintain confidentiality of other students' personal information
  • Not engage in harassment or discriminatory behavior

We reserve the right to remove students who violate our code of conduct without refund.

6. Educational Nature of Services

Our courses are educational in nature and do not constitute financial advice. Information provided should not be considered personalized financial guidance. Students should consult qualified financial professionals before making significant financial decisions.

7. Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services or any financial decisions you make based on information learned in our courses.

8. Website Use

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

  • Attempt to gain unauthorized access to our systems
  • Introduce viruses, malware, or harmful code
  • Collect or harvest personal information of other users
  • Use automated systems to access the website without permission

9. Privacy

Your use of our website and services is also governed by our Privacy Policy, which is incorporated into these Terms of Use by reference.

10. Changes to Courses

We reserve the right to modify course content, schedules, or instructors when necessary. We will notify enrolled students of significant changes as soon as reasonably possible.

11. Modifications to Terms

We may revise these Terms of Use at any time. Continued use of our website or services after changes are posted constitutes acceptance of the modified terms.

12. Termination

We reserve the right to terminate or suspend your access to our services at our discretion, without notice, for conduct that we believe violates these Terms of Use or is harmful to other users or our business.

13. Governing Law

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

14. Severability

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

15. Entire Agreement

These Terms of Use, together with our Privacy Policy and any enrollment agreements, constitute the entire agreement between you and dapper-raven regarding your use of our website and services.

16. Contact Information

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

Email: [email protected]
Address: 47 Whiteladies Road, Clifton, Bristol, BS8 2LS, United Kingdom

dapper-raven

Financial education for every stage of life.

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