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Terms of Use

Last Updated: September 23, 2026

Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this website or our services.

Description of Services

We provide educational services focused on financial management for individuals of various ages. Our courses are designed for educational purposes and do not constitute professional financial advice.

Educational Purpose Disclaimer

The content provided through our courses is for educational purposes only. It should not be considered as:

  • Professional financial advice
  • Investment recommendations
  • Tax planning guidance
  • Legal counsel
  • Guaranteed outcomes or results

Participants should consult with qualified professionals before making significant financial decisions.

Enrollment and Payment

When you enroll in a course, you agree to:

  • Provide accurate and complete information
  • Pay applicable course fees as stated
  • Attend scheduled sessions or notify us of absence
  • Respect instructors and fellow participants

Course Availability and Changes

We reserve the right to:

  • Modify course content, schedules, or instructors
  • Cancel courses due to insufficient enrollment
  • Update pricing with reasonable notice
  • Change course formats or delivery methods

In the event of course cancellation, enrolled participants will receive full refunds.

Intellectual Property

All content on this website and in our courses, including text, graphics, logos, course materials, and software, is our property or licensed to us and is protected by intellectual property laws.

You may not:

  • Reproduce or distribute course materials without permission
  • Use our content for commercial purposes
  • Modify or create derivative works from our materials
  • Remove copyright or proprietary notices

User Conduct

You agree not to:

  • Use the website for any unlawful purpose
  • Harass, abuse, or harm other users or instructors
  • Interfere with the proper functioning of the website
  • Attempt to gain unauthorized access to any systems
  • Upload malicious code or harmful content

Limitation of Liability

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

  • Financial decisions made based on course content
  • Loss of profits or business opportunities
  • Indirect, incidental, or consequential damages
  • Interruptions or errors in website functionality

Results Disclaimer

Individual results from our courses vary based on personal circumstances, effort, and external factors. We make no guarantees about specific outcomes, financial gains, or success levels.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of these external sites. Use of third-party websites is at your own risk.

Privacy and Data Protection

Your use of this website is also governed by our Privacy Policy and GDPR Compliance Statement. Please review these documents to understand how we collect, use, and protect your personal information.

Termination

We reserve the right to terminate or suspend access to our services for users who violate these Terms of Use or engage in conduct we deem inappropriate or harmful.

Age Restrictions

While we offer courses for young people, enrollment decisions must be made by adults. Users under 18 must have parental or guardian consent to enroll in courses.

Refund Policy

Refund requests must be submitted in writing. Refunds are considered on a case-by-case basis and may be subject to administrative fees. Refunds are not provided for courses that have already commenced unless exceptional circumstances apply.

Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from your use of our services or violation of these Terms of Use.

Governing Law

These Terms of Use are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Changes to Terms

We may modify these Terms of Use at any time. Changes will be posted on this page with an updated revision date. Continued use of the website after changes constitutes acceptance of the modified terms.

Severability

If any provision of these Terms of Use is found to be unenforceable, the remaining provisions will continue in full force and effect.

Contact Information

For questions or concerns about these Terms of Use, please contact us at:

contact at marsh-bison.com
42 Deansgate, Manchester M3 2AY, United Kingdom

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Manchester, United Kingdom
contact at marsh-bison.com

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