Terms of Use

Agreement to Terms

By accessing and using the Grove-lumen website and services, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you should not use our website or services.

Educational Services

Grove-lumen provides financial education courses for individuals of various ages. Our courses are designed for educational purposes and do not constitute professional financial advice.

Course Enrollment

When you enroll in a course, you agree to:

• Provide accurate and complete information during registration
• Attend scheduled sessions or notify us of absences in advance
• Respect instructors and fellow participants
• Use course materials solely for personal educational purposes

Payment Terms

Course fees must be paid in full before the start date unless alternative arrangements have been agreed in writing. Prices are listed in British Pounds and include applicable taxes.

Intellectual Property

All content on this website, including text, graphics, logos, and course materials, is the property of Grove-lumen and protected by intellectual property laws. You may not:

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

User Conduct

You agree to use our website and services in a lawful and respectful manner. Prohibited activities include:

• Harassment or abusive behavior toward staff or other participants
• Attempting to gain unauthorized access to our systems
• Transmitting malicious code or viruses
• Impersonating others or providing false information
• Interfering with the proper functioning of the website

Cancellation and Refund Policy

Course cancellations made more than 14 days before the start date are eligible for a full refund. Cancellations made 7-14 days before the start date receive a 50% refund. No refunds are provided for cancellations made less than 7 days before the course begins or for missed sessions.

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

Limitation of Liability

Grove-lumen provides educational content to the best of our ability, but we make no guarantees regarding specific outcomes or financial results. Our courses do not constitute professional financial advice, and participants should consult qualified advisors for personalized guidance.

To the fullest extent permitted by law, Grove-lumen shall not be liable for any indirect, incidental, consequential, or special damages arising from your use of our services.

Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis. We do not warrant that:

• The website will be uninterrupted or error-free
• Defects will be corrected promptly
• The website is free from viruses or harmful components
• Information provided is always accurate or current

Third-Party Links

Our website may contain links to third-party websites for your convenience. We do not control these external sites and are not responsible for their content or practices. Visiting linked sites is at your own risk.

Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy and GDPR Information pages. Please review these documents to understand how we collect and process personal data.

Modifications to Services

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice. We may also update course content, schedules, and instructors as necessary to maintain quality.

Changes to Terms

These Terms of Use may be updated periodically to reflect changes in our practices or legal requirements. Continued use of our services after changes are posted constitutes acceptance of the modified terms.

Governing Law

These terms are governed by the laws of England and Wales. Any disputes arising from these terms or your use of our services will be subject to the exclusive jurisdiction of the courts of England and Wales.

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 effect.

Contact Information

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

Grove-lumen
42 Deansgate Avenue
Manchester, M3 2FF
United Kingdom
Email: [email protected]