Terms of Use | lamplight-crossing

Agreement to Terms

By accessing and using the lamplight-crossing website (lamplight-crossing.com) and our services, you 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.

These Terms of Use constitute a legally binding agreement between you and lamplight-crossing.

Definitions

"We", "Us", "Our" refers to lamplight-crossing
"You", "Your" refers to the user or viewer of our website and/or participant in our services
"Services" refers to all educational programs, workshops, mentoring, and related offerings provided by lamplight-crossing
"Website" refers to lamplight-crossing.com and all associated pages

Use of Website

Permitted Use

You may use our website for:

Learning about our financial literacy programs
Contacting us with inquiries
Enrolling in our services
Accessing educational resources we provide

Prohibited Use

You agree not to:

Use the website for any unlawful purpose
Attempt to gain unauthorized access to any portion of the website
Interfere with or disrupt the website or servers
Transmit viruses, malware, or other malicious code
Collect or harvest personal information about other users
Use automated systems to access the website without permission
Reproduce, duplicate, copy, or resell any part of our website or services
Impersonate any person or entity or misrepresent your affiliation

Service Terms

Enrollment and Registration

To enroll in our programs, you must:

Provide accurate and complete information
Be the parent or legal guardian of participating children under 18
Accept these Terms of Use and our Privacy Policy
Meet any age or prerequisite requirements for specific programs

Payment Terms

When enrolling in paid programs:

Full payment is required before program commencement unless alternative arrangements are agreed in writing
All prices are stated in British Pounds (GBP) and include VAT where applicable
Payment can be made by the methods specified during enrollment
We reserve the right to modify pricing with reasonable notice

Cancellation and Refunds

Cancellation by You:

Cancellations made more than 14 days before program start: full refund
Cancellations made 7-14 days before program start: 50% refund
Cancellations made less than 7 days before program start: no refund
Refunds are processed within 14 business days

Cancellation by Us:

We reserve the right to cancel programs due to insufficient enrollment or other unforeseen circumstances
You will receive full refund if we cancel a program
We will make reasonable efforts to offer alternative dates or programs

Attendance and Participation

Regular attendance is expected for optimal learning outcomes
Missed sessions cannot typically be made up but materials will be provided where possible
Participants are expected to engage respectfully and constructively
We reserve the right to remove participants whose behavior disrupts the learning environment

Intellectual Property Rights

Our Content

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

You may not:

Copy, modify, or distribute our content without written permission
Use our materials for commercial purposes
Remove copyright or proprietary notices
Reproduce our educational materials outside of authorized program participation

Educational Materials

Materials provided during programs are for personal educational use only. Participants may not distribute, sell, or reproduce these materials without express written consent.

Your Content

If you submit any content to us (such as testimonials, feedback, or suggestions), you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, and display that content for our business purposes.

Limitation of Liability

Educational Nature of Services

Our services provide financial education and literacy training. They do not constitute:

Professional financial advice
Investment recommendations
Legal or tax guidance
Guarantees of financial success

Participants should seek professional advice for specific financial decisions.

Liability Limitations

To the fullest extent permitted by law:

We are not liable for any indirect, incidental, or consequential damages
Our total liability shall not exceed the amount paid for the specific service in question
We are not responsible for decisions made based on knowledge gained in our programs
We do not guarantee specific learning outcomes or results

Exceptions

Nothing in these terms excludes or limits our liability for:

Death or personal injury caused by our negligence
Fraud or fraudulent misrepresentation
Any other liability that cannot be excluded or limited under UK law

Safeguarding and Child Protection

We are committed to safeguarding children and young people participating in our programs. All staff and educators:

Undergo appropriate background checks
Follow safeguarding policies and procedures
Are trained to recognize and respond to safeguarding concerns

If you have safeguarding concerns, please contact us immediately at [email protected]

Privacy and Data Protection

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

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 these external sites. We encourage you to review the terms and policies of any third-party sites you visit.

Modifications 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 the website or services after changes are posted constitutes acceptance of the modified terms.

Material changes will be communicated to enrolled participants via email where practicable.

Modifications to Services

We reserve the right to:

Modify or discontinue any service with reasonable notice
Change program content, schedules, or locations as needed
Update pricing for future program offerings
Substitute educators when necessary

Enrolled participants will be notified of significant changes affecting their program.

Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not warrant that:

The website will be uninterrupted or error-free
Defects will be corrected
The website is free from viruses or harmful components
Information on the website is complete or accurate

Indemnification

You agree to indemnify and hold harmless lamplight-crossing, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

Your use of the website or services
Your violation of these Terms of Use
Your violation of any rights of another party
Any content you submit or transmit through the website

Governing Law and Jurisdiction

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

Severability

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

Entire Agreement

These Terms of Use, together with our Privacy Policy and any additional terms presented at the time of enrollment, constitute the entire agreement between you and lamplight-crossing regarding use of our website and services.

Contact Information

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

lamplight-crossing
47 Candlemaker Row
Edinburgh EH1 2QE
United Kingdom
Email: [email protected]

Complaints Procedure

If you are dissatisfied with our services:

Contact us at [email protected] with details of your complaint
We will acknowledge your complaint within 3 working days
We will investigate and provide a full response within 14 working days
If you remain dissatisfied, you may escalate to our senior management

We are committed to resolving complaints fairly and promptly.