Terms of Use

Agreement to Terms

By accessing or using the cogarc website and services, you agree to be bound by these Terms of Use. If you disagree with any part of these terms, you may not access our website or use our services.

Use of Our Website

Permitted Use

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

• In any way that violates applicable laws or regulations
• To transmit harmful, threatening, abusive, or harassing material
• To impersonate or attempt to impersonate cogarc or its employees
• To interfere with or disrupt the website or servers
• To attempt unauthorized access to any part of the website

Intellectual Property

The content on this website, including text, graphics, logos, images, and software, is the property of cogarc and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

Services and Programs

Service Descriptions

We make every effort to describe our programs and services accurately. However, we do not warrant that descriptions are error-free, complete, or current. We reserve the right to modify or discontinue services at any time.

Booking and Registration

When you book a program or service:

• You confirm that all information provided is accurate and complete
• You agree to provide parental consent for participants under 18
• You understand that program availability is subject to confirmation
• You agree to our cancellation and refund policies

Payment Terms

Payment is required at the time of booking unless otherwise arranged. We accept various payment methods as indicated during the booking process. All prices are in British Pounds (GBP) and include VAT where applicable.

Cancellation and Refunds

Cancellation policies:

• Cancellations made 14 days or more before the program start date: full refund
• Cancellations made 7-13 days before: 50% refund
• Cancellations made less than 7 days before: no refund
• In case of emergency or exceptional circumstances, we may exercise discretion

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

User Content and Communications

Submissions

If you submit content to us (such as enquiry forms, feedback, or communications), you grant us a non-exclusive, royalty-free license to use, reproduce, and distribute that content in connection with our services.

Responsibility for Content

You are responsible for any content you submit and must ensure it:

• Does not violate any laws or third-party rights
• Does not contain viruses or malicious code
• Is not defamatory, obscene, or offensive

Privacy

Your use of our website is also governed by our Privacy Policy. Please review it to understand how we collect, use, and protect your personal information.

Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that:

• The website will be uninterrupted or error-free
• Defects will be corrected
• The website is free of viruses or harmful components
• Results obtained from services will meet your expectations

Limitation of Liability

To the fullest extent permitted by law, cogarc shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services. Our total liability shall not exceed the amount you paid for the specific service in question.

Educational Services Disclaimer

Our programs provide general financial education and should not be construed as professional financial advice. We do not provide personalized investment advice or recommend specific financial products. Participants and families should consult with qualified financial advisors for personalized guidance.

Indemnification

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

Links to Third-Party Websites

Our website may contain links to third-party websites for your convenience. We do not endorse or control these websites and are not responsible for their content, privacy practices, or terms. Accessing third-party websites is at your own risk.

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 after changes constitutes acceptance of the modified terms.

Governing Law

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 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, the remaining provisions shall continue in full force and effect.

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 cogarc regarding your use of our website and services.

Contact Information

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

Email: [email protected]
Address: 27 Wellington Street, London, WC2E 7BD, United Kingdom