Terms of Use

1. Acceptance of Terms

By accessing and using the radianz-core.com website and our 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.

2. Changes 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 website and services after changes are posted constitutes acceptance of the modified terms.

3. Use of Our Website

3.1 Permitted Use

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

• Use the website in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to any part of the website
• Interfere with the proper functioning of the website
• Use automated systems to access the website without our permission
• Transmit any harmful code, viruses, or malicious software
• Collect or harvest any information from the website through automated means

3.2 User Accounts

If you create an account on our website, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. Our Services

4.1 Service Description

radianz-core provides financial education programs for children and teenagers. Our services include individual coaching, group workshops, and specialized courses as described on our website.

4.2 Booking and Payment

When you book a service through our website or by contacting us directly:

• All bookings are subject to availability
• Payment is required in advance unless otherwise agreed
• We reserve the right to refuse service at our discretion
• Prices are in British Pounds (GBP) and include VAT where applicable

4.3 Cancellation and Refund Policy

Our cancellation policy is as follows:

• Individual Sessions: 48 hours notice required for cancellation or rescheduling. Cancellations with less notice forfeit payment.
• Workshops and Series: 7 days notice required for full refund. Cancellations with 3-7 days notice receive 50% refund. Less than 3 days notice: no refund.
• Bootcamps: 14 days notice required for full refund. 7-14 days notice: 50% refund. Less than 7 days notice: no refund.
• If we cancel a session, you will receive a full refund or option to reschedule.

5. Intellectual Property Rights

5.1 Our Content

All content on this website, including text, graphics, logos, images, and software, is the property of radianz-core or its content suppliers and is protected by UK and international copyright laws.

5.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the website for personal, non-commercial purposes. You may not:

• Reproduce, distribute, or publicly display our content without permission
• Modify or create derivative works from our content
• Use our content for commercial purposes
• Remove any copyright or proprietary notices

5.3 Educational Materials

Materials provided during our programs are for personal educational use only and may not be shared, reproduced, or distributed without our written consent.

6. User-Generated Content

If you submit feedback, suggestions, or other communications to us, you grant us a perpetual, royalty-free license to use that content for any purpose without compensation or attribution to you.

7. Privacy and Data Protection

Your use of our website and services is also governed by our Privacy Policy and GDPR Compliance statement. Please review these documents to understand how we collect and use your information.

8. Disclaimers

8.1 No Professional Financial Advice

Our services provide financial education and literacy training. We do not provide professional financial advice, investment advice, or financial planning services. For specific financial decisions, consult with a qualified financial advisor.

8.2 Educational Purpose

Information provided through our programs is for educational purposes only. While we strive for accuracy, we make no warranties about the completeness, reliability, or accuracy of information provided.

8.3 Website Availability

We do not guarantee that our website will be available at all times or that it will be error-free. We may suspend or withdraw services without notice for maintenance or other reasons.

9. Limitation of Liability

To the fullest extent permitted by law:

• We are not liable for any indirect, incidental, special, or consequential damages
• Our total liability to you for any claims arising from use of our services shall not exceed the amount you paid for the specific service in question
• We are not responsible for any financial decisions made based on information learned in our programs

Nothing in these terms excludes or limits our liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded by law.

10. Indemnification

You agree to indemnify and hold harmless radianz-core, its employees, and agents from any claims, damages, or expenses arising from your use of our website or services or your violation of these Terms of Use.

11. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of use of external sites. Links are provided for convenience only and do not constitute endorsement.

12. Children's Participation

Our services are designed for minors, but bookings must be made by a parent or legal guardian. Parents/guardians are responsible for ensuring their child's attendance and behavior during sessions.

13. Code of Conduct

Participants in our programs are expected to:

• Treat educators and other participants with respect
• Participate actively and constructively
• Refrain from disruptive behavior
• Respect the confidentiality of other participants

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

14. Force Majeure

We are not liable for failure to perform our obligations due to circumstances beyond our reasonable control, including natural disasters, strikes, war, or pandemics.

15. Governing Law and Jurisdiction

These Terms of Use are governed by the laws of Scotland and the United Kingdom. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of Scotland.

16. Severability

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

17. Entire Agreement

These Terms of Use, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and radianz-core regarding use of our website and services.

18. Contact Information

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

radianz-core
15 Morningside Road
Edinburgh EH10 4AZ
United Kingdom
Email: [email protected]