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Terms of Use

Last Updated: August 19, 2026

Agreement to Terms

By accessing and using the azure-ravine website (azure-ravine.com) and our educational services, you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using this website and our services.

About Our Services

azure-ravine provides financial education courses and related educational services. Our programmes are designed to enhance financial literacy and are educational in nature. They are not intended as professional financial advice, investment recommendations, or a substitute for consultation with qualified financial advisors.

Use License

Permission is granted to temporarily access the materials on azure-ravine's website for personal, non-commercial viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

  • Modify or copy the materials
  • Use the materials for any commercial purpose or public display
  • Attempt to reverse engineer any software contained on the website
  • Remove any copyright or proprietary notations from the materials
  • Transfer the materials to another person or mirror the materials on any other server

This license shall automatically terminate if you violate any of these restrictions and may be terminated by azure-ravine at any time.

Course Enrollment and Participation

Eligibility

To enroll in our courses, you must be at least 18 years old or have a parent or guardian complete the enrollment on your behalf. By enrolling, you represent that you have the legal capacity to enter into this agreement.

Enrollment Process

Course enrollment is completed through our website enrollment forms. Enrollment is not confirmed until we send you a confirmation email with payment instructions and course details. We reserve the right to refuse enrollment to any individual for any reason.

Payment Terms

Payment is required according to the terms specified in your enrollment confirmation. Prices are listed in British Pounds Sterling (GBP) and are subject to change without notice. Failure to complete payment may result in cancellation of your enrollment.

Cancellation and Refund Policy

You may cancel your enrollment and receive a full refund if you notify us at least 14 days before the course start date. Cancellations made less than 14 days before the course start date are subject to a 25% administrative fee. No refunds are provided once the course has commenced.

We reserve the right to cancel courses due to insufficient enrollment or unforeseen circumstances. If we cancel a course, you will receive a full refund or the option to transfer to an alternative programme.

Attendance and Participation

Regular attendance is expected. If you miss sessions, we will provide materials where possible, but we cannot guarantee makeup sessions. Disruptive behavior or failure to respect other participants may result in removal from the course without refund.

Intellectual Property Rights

The content on this website, including text, graphics, logos, images, and software, is the property of azure-ravine and is protected by United Kingdom and international copyright laws. Course materials provided during programmes are for your personal educational use only and may not be reproduced, distributed, or used for commercial purposes without written permission.

Educational Disclaimer

The information and education provided through our courses and website are for general educational purposes only. They should not be considered professional financial advice tailored to your specific circumstances.

Individual financial results may vary based on personal circumstances, effort, economic conditions, and factors beyond our control. We make no guarantees regarding specific outcomes or financial improvements resulting from participation in our programmes.

You should consult with qualified financial advisors, accountants, or other professionals before making significant financial decisions. Our courses are designed to complement, not replace, professional financial guidance.

Limitation of Liability

To the maximum extent permitted by applicable law, azure-ravine shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

  • Your use or inability to use our website or services
  • Any conduct or content of any third party on the website
  • Any content obtained from the website
  • Unauthorized access, use, or alteration of your transmissions or content
  • Financial decisions made based on information learned in our courses

Our total liability to you for any claim arising from these Terms or your use of our services shall not exceed the amount you paid for the specific course giving rise to the claim.

User Conduct

You agree not to:

  • Use the website in any way that violates applicable laws or regulations
  • Impersonate any person or entity or falsely state or misrepresent your affiliation
  • Interfere with or disrupt the website or servers connected to the website
  • Attempt to gain unauthorized access to any portion of the website
  • Use any automated system to access the website in a manner that sends more requests than a human can reasonably produce
  • Collect or store personal data about other users without their consent

Third-Party Links

Our website may contain links to third-party websites or services that are not owned or controlled by azure-ravine. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that azure-ravine shall not be responsible or liable for any damage or loss caused by your use of any such content.

Privacy

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, use, and protect your personal information.

Changes to Terms

We reserve the right to modify these Terms of Use at any time. We will notify you of any changes by updating the "Last Updated" date at the top of this page. Continued use of the website and services after changes constitute acceptance of the modified terms.

It is your responsibility to review these Terms periodically for updates.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our services shall 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 so that the remaining Terms remain in full force and effect.

Entire Agreement

These Terms of Use, together with our Privacy Policy and any enrollment agreements, constitute the entire agreement between you and azure-ravine regarding use of the website and services, superseding any prior agreements.

Contact Information

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

azure-ravine
15 Irongate, Derby DE1 3GA
United Kingdom
Email: [email protected]

Acknowledgment

By using this website and our services, you acknowledge that you have read these Terms of Use and agree to be bound by them.

azure-ravine

Empowering financial literacy across generations in Derby and beyond.

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15 Irongate, Derby DE1 3GA
United Kingdom

[email protected]

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