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Terms of Use

Last updated: September 1, 2026

Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree with any part of these terms, you should not use our website or services.

Use of Website

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

  • Violate any applicable laws or regulations
  • Transmit harmful code, viruses, or malicious software
  • Attempt to gain unauthorized access to our systems
  • Use automated systems to scrape or extract data
  • Interfere with the proper functioning of the website
  • Impersonate another person or entity
  • Collect personal information about other users

Course Enrollment and Services

Enrollment Process

When you enroll in a course through our website, you enter into an agreement to participate in the selected programme. We will confirm your enrollment via email within 24 hours.

Payment Terms

Payment details and deadlines will be provided in your enrollment confirmation. Full payment is typically required before the course start date unless alternative arrangements have been agreed in writing.

Cancellation Policy

You may cancel your enrollment up to 14 days before the course start date for a full refund. Cancellations made 7-13 days before the start date receive a 50% refund. No refunds are provided for cancellations made less than 7 days before the course begins.

Course Changes

We reserve the right to modify course schedules, content, or instructors if necessary. If substantial changes occur, we will notify enrolled students and offer the option to transfer to another course or receive a full refund.

Course Cancellation by Us

We may cancel a course due to insufficient enrollment or unforeseen circumstances. In such cases, enrolled students will receive a full refund or the option to transfer to a different course.

Intellectual Property Rights

All content on this website, including text, graphics, logos, images, and course materials, is owned by us or our licensors and protected by copyright, trademark, and other intellectual property laws.

You may not:

  • Reproduce, distribute, or publicly display our content without permission
  • Modify or create derivative works from our materials
  • Use our trademarks or branding without authorization
  • Remove copyright or proprietary notices

Course Materials

Course materials provided to enrolled students are for personal educational use only. You may not share, distribute, or commercially exploit these materials. Unauthorized reproduction or distribution may result in course dismissal without refund.

Disclaimer of Educational Outcomes

While we strive to provide high-quality financial education, we cannot guarantee specific outcomes or results from course participation. Your learning depends on multiple factors including effort, prior knowledge, and individual circumstances.

Not Financial Advice

The information provided through our courses and website is educational in nature and should not be considered professional financial advice. We are not licensed financial advisors, and our instruction does not constitute personalized financial planning or investment recommendations.

You should consult with qualified financial professionals before making significant financial decisions.

Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, consequential, or punitive damages arising from:

  • Your use of or inability to use our website or services
  • Errors or omissions in content
  • Unauthorized access to your data
  • Financial decisions made based on course content
  • Interruption or cessation of services

Our total liability shall not exceed the amount you paid for the specific course in question.

Indemnification

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

User Conduct

During course participation, you agree to:

  • Treat instructors and fellow students respectfully
  • Participate constructively in discussions and activities
  • Maintain confidentiality regarding other students' personal information
  • Comply with attendance and participation requirements

We reserve the right to dismiss students who engage in disruptive behavior, harassment, or violations of these terms, without refund.

Privacy and Data Protection

Our collection and use of personal information is governed by our Privacy Policy. By using our services, you consent to such processing and warrant that all data provided is accurate.

Third-Party Links

Our website may contain links to third-party websites for your convenience. We do not endorse or assume responsibility for the content, privacy practices, or terms of these external sites.

Modification of Terms

We reserve the right to modify these Terms of Use at any time. Changes will be posted on this page with an updated revision date. Continued use of the website after changes constitutes acceptance of the modified terms.

For enrolled students, material changes affecting their specific course will be communicated directly via email.

Governing Law

These Terms of Use are governed by and construed in accordance with the laws of England and Wales. 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 of Use 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 agreement, constitute the entire agreement between you and us regarding the use of our website and services.

Contact Information

For questions about these Terms of Use or any aspect of our services, please contact:

[email protected]
42 Division Street
Sheffield S1 4GF
United Kingdom

Acknowledgment

By using this website and enrolling in our courses, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.

orchard-puma

Financial management education for all ages in Sheffield and surrounding areas.

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[email protected]

42 Division Street
Sheffield S1 4GF
United Kingdom

© 2026 orchard-puma. All rights reserved.

The information provided through our courses is educational in nature and should not be considered as professional financial advice. Results may vary based on individual circumstances. We recommend consulting with a qualified financial advisor before making significant financial decisions.