Terms of Service

1. Acceptance of Terms

By accessing or using the Finance AI 360 Limited platform ("Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Services. These Terms apply to all users, including visitors, registered members, and administrators.

These Terms are governed by the laws of England and Wales. Finance AI 360 Limited is a company registered in England and Wales, with its registered office at 15A Durants Park Avenue, Enfield, United Kingdom.

2. Account Registration

• You must be at least 16 years old to create an account.
• You agree to provide accurate, current, and complete information during registration.
• You are responsible for maintaining the confidentiality of your account credentials.
• You are responsible for all activity that occurs under your account.
• You must notify us immediately of any unauthorised use of your account at support@financeai360.com.

3. Course Access & Licences

3.1 One-Time Purchase

When you purchase a course with a one-time payment, you receive a non-exclusive, non-transferable licence to access and use the course content for personal, non-commercial educational purposes for as long as Finance AI 360 Limited makes the course available.

3.2 Monthly Subscription

Monthly subscriptions grant access to course content for the duration of the active subscription period. Access is revoked upon cancellation or non-payment.

3.3 Restrictions

• You may not share, redistribute, resell, or sublicense course content.
• You may not copy, reproduce, or download course materials except where expressly permitted.
• You may not use course content for commercial purposes without prior written consent.

4. Payments & Refunds

4.1 Pricing

All prices are listed in British Pounds Sterling (GBP) and are subject to change. We will provide notice of price changes for active subscriptions at least 30 days in advance.

4.2 Cancellation & Cooling-Off Period

In accordance with the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, consumers in the UK have a statutory 14-day cancellation period from the date of purchase for one-time course purchases. You may cancel within this period for a full refund, provided you have not yet accessed more than 20% of the course content. By accessing course content beyond this threshold, you acknowledge that you may lose your right to cancel.

4.3 Subscriptions

For subscriptions, you may cancel at any time and retain access until the end of the billing period. No partial refunds are issued for subscription cancellations.

4.4 Payment Processing

Payments are processed by third-party providers. By providing payment information, you authorise us to charge the applicable fees to your payment method.

5. Intellectual Property

All content on the Finance AI 360 Limited platform — including course materials, videos, text, graphics, logos, and software — is the intellectual property of Finance AI 360 Limited or its content licensors and is protected by applicable copyright, trademark, and other intellectual property laws of the United Kingdom.

Any feedback, suggestions, or ideas you submit to us may be used by Finance AI 360 Limited without restriction or compensation to you.

6. Prohibited Conduct

You agree not to:

• Use the Services for any unlawful purpose or in violation of these Terms.
• Attempt to gain unauthorised access to any part of the platform or its systems.
• Use automated tools (bots, scrapers, crawlers) to access or collect content.
• Impersonate any person or entity, or falsely represent your affiliation.
• Upload or transmit viruses, malware, or other harmful code.
• Engage in cheating, academic dishonesty, or misrepresenting quiz/exam results.

7. Certificates

Certificates of completion are issued upon successfully finishing a course, including passing all required assessments. Certificates are for personal use only and do not constitute official academic credentials unless explicitly stated. Finance AI 360 Limited reserves the right to revoke certificates issued in error or obtained through dishonest means.

8. Disclaimer of Warranties

The Services are provided "as is" and "as available" to the fullest extent permitted by the Consumer Rights Act 2015 and other applicable UK law. Finance AI 360 Limited does not warrant that the Services will be uninterrupted, error-free, or free of harmful components. We do not guarantee employment outcomes or career results from completing our courses. Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, or for fraud or fraudulent misrepresentation.

9. Limitation of Liability

To the fullest extent permitted by law, Finance AI 360 Limited shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of the Services. Our total liability to you for any claim shall not exceed the amount you paid us in the 12 months preceding the claim. This limitation does not apply to liability that cannot be excluded under UK law.

10. Termination

We reserve the right to suspend or terminate your account at our discretion if you violate these Terms, without prior notice or liability. Upon termination, your right to access the Services ceases immediately. Provisions that by their nature should survive termination will do so.

11. Governing Law & Disputes

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales. Nothing in these Terms affects your statutory rights as a UK consumer.

12. Changes to Terms

We may modify these Terms at any time. We will provide at least 14 days' notice of material changes via email or a prominent notice on our platform. Your continued use of the Services after the effective date constitutes acceptance of the revised Terms.

13. Contact

For questions about these Terms, contact us at:
Finance AI 360 Limited
15A Durants Park Avenue, Enfield, United Kingdom
legal@financeai360.com