Terms of Use

Agreement to Terms

By accessing and using the ostenafror 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 services.

Description of Services

ostenafror provides financial education courses for children and adults. Our services include:

• Structured educational programmes on financial management
• Course materials and resources
• Access to teaching sessions in Manchester

Educational Purpose

The content provided through our services is for educational purposes only and should not be considered as professional financial advice. We recommend consulting with qualified financial advisors before making significant financial decisions.

Enrolment and Payment

By enrolling in a course, you agree to:

• Pay the course fees as stated at the time of enrolment
• Attend scheduled sessions or notify us of absences
• Engage respectfully with instructors and other participants
• Complete any assigned coursework to the best of your ability

Cancellation and Refunds

You may cancel your enrolment up to 14 days before the course start date for a full refund. Cancellations made less than 14 days before the start date will receive a 50% refund. No refunds are provided after the course has commenced.

Intellectual Property

All course materials, content, and resources provided by ostenafror are protected by copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works from our materials without written permission.

User Conduct

You agree not to:

• Disrupt teaching sessions or interfere with other participants' learning
• Share course materials with non-enrolled individuals
• Use our services for any unlawful purpose
• Misrepresent your identity or affiliation

Limitation of Liability

ostenafror provides educational services to the best of our ability. However, we cannot guarantee specific financial outcomes or results. We are not liable for any financial decisions you make based on course content.

Disclaimer of Warranties

Our services are provided on an "as is" basis. While we strive for accuracy and quality, we make no warranties regarding the completeness, reliability, or suitability of the information provided.

Changes to Services

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time. We will provide reasonable notice of significant changes that affect enrolled students.

Governing Law

These Terms of Use are governed by the laws of England and Wales. Any disputes arising from these terms will be subject to the exclusive jurisdiction of the courts of England and Wales.

Changes to Terms

We may update these Terms of Use periodically. Continued use of our services after changes are posted constitutes acceptance of the revised terms.

Contact Information

If you have questions about these Terms of Use, please contact us at [email protected]