Terms of Use

Agreement to Terms

By accessing or using the pearly-journey website (pearly-journey.com) and 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.

Definitions

• "We," "us," "our" refers to pearly-journey Ltd
• "You," "your" refers to the user of our website or participant in our services
• "Services" refers to our financial education programmes and related offerings
• "Website" refers to pearly-journey.com and all associated pages
• "Participant" refers to the child or teenager enrolled in our programmes
• "Parent/Guardian" refers to the legal guardian enrolling a minor in our services

Eligibility and Registration

Age Requirements

Our programmes are designed for children and teenagers aged 7-18. Parents or legal guardians must complete enrolment on behalf of participants under 18 years of age.

Account Accuracy

You agree to provide accurate, current, and complete information during enrolment and to update this information as necessary. You are responsible for maintaining the confidentiality of any account credentials.

Parental Responsibility

By enrolling a minor in our services, you confirm that you are the parent or legal guardian with authority to enter into this agreement on behalf of the participant.

Use of Website

Permitted Use

You may use our website for lawful purposes only, including:

• Browsing information about our services
• Enrolling in programmes
• Contacting us with enquiries
• Accessing programme materials (if enrolled)

Prohibited Activities

You agree not to:

• Use the website in any way that violates applicable laws or regulations
• Impersonate any person or entity
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of the website
• Use automated systems to access the website without permission
• Collect or harvest personal information about other users
• Transmit viruses, malware, or malicious code
• Engage in any activity that could damage our reputation

Programme Enrolment and Participation

Enrolment Process

Enrolment in our programmes becomes binding when we confirm acceptance of your application. We reserve the right to decline enrolment at our discretion.

Payment Terms

• Programme fees are stated in British Pounds (GBP)
• Monthly programmes are billed on a recurring basis
• Payment is due at the start of each billing period
• Fees must be paid in full to maintain programme access
• We accept payment via major credit/debit cards and bank transfer

Cancellation and Refunds

• You may cancel monthly programmes with 14 days' written notice
• Cancellations take effect at the end of the current billing period
• One-time workshops may be cancelled up to 7 days before the scheduled date for a full refund
• No refunds are provided for partial month participation
• If we cancel a session, we will offer rescheduling or a pro-rata refund

Attendance and Participation

• Regular attendance is expected for optimal learning outcomes
• Sessions may be rescheduled with 24 hours' notice
• Failure to attend without notice may result in forfeiture of that session
• Participants are expected to engage respectfully and appropriately

Intellectual Property Rights

Our Content

All content on our website and in our programmes, including text, graphics, logos, images, videos, and software, is owned by pearly-journey or our licensors and is protected by copyright, trademark, and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our website and programme materials for personal, non-commercial purposes. You may not:

• Reproduce, distribute, or publicly display our content without permission
• Modify or create derivative works from our materials
• Use our content for commercial purposes
• Remove copyright or proprietary notices
• Share programme access credentials with non-enrolled individuals

User-Generated Content

If you submit feedback, suggestions, or other communications to us, we may use them without obligation to you. You grant us a perpetual, worldwide, royalty-free license to use such submissions.

Educational Services Disclaimer

Nature of Services

Our services provide financial education and are not:

• Financial advice or planning services
• Investment recommendations
• Legal or tax advice
• Guaranteed to produce specific outcomes

Results May Vary

While we strive for excellence in education, individual results depend on many factors including participant engagement, age, prior knowledge, and external circumstances. We do not guarantee specific learning outcomes or future financial success.

Parental Involvement

Financial education is most effective when reinforced at home. Parents are encouraged to engage with programme content and support learning outside of sessions.

Limitation of Liability

Disclaimer of Warranties

Our website and services are provided "as is" 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 from viruses or harmful components
• Information on the website is always accurate or complete

Limitation of Damages

To the fullest extent permitted by law, pearly-journey shall not be liable for any indirect, incidental, consequential, or special damages arising from:

• Use or inability to use our website or services
• Unauthorized access to your data
• Errors or omissions in content
• Any other matter relating to our services

Our total liability to you shall not exceed the amount paid by you for the relevant service in the preceding 3 months.

Exceptions

Nothing in these terms excludes or limits our liability for:

• Death or personal injury caused by negligence
• Fraud or fraudulent misrepresentation
• Any liability that cannot be excluded under applicable law

Indemnification

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

• Your use of our website or services
• Your violation of these terms
• Your violation of any rights of another party
• Any content you submit or transmit through our services

Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our services, you consent to our data practices as described in the Privacy Policy.

Third-Party Links

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

Modifications to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective when posted on this page with an updated "Last Updated" date. Continued use of our services after changes constitutes acceptance of the modified terms. We will notify enrolled participants of material changes via email.

Modifications 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 to enrolled participants.

Termination

Your Right to Terminate

You may terminate your participation in our services at any time by providing written notice according to our cancellation policy.

Our Right to Terminate

We may terminate or suspend your access to our services immediately if:

• You breach these terms
• You fail to make required payments
• Participant behavior is disruptive or inappropriate
• We determine termination is necessary for legal or safety reasons

Effect of Termination

Upon termination:

• Your right to access our services ceases immediately
• Outstanding fees remain payable
• Provisions regarding intellectual property, liability, and indemnification survive

Governing Law and Jurisdiction

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

Dispute Resolution

If you have a complaint or dispute, please contact us first at [email protected]. We will make reasonable efforts to resolve the matter amicably.

Severability

If any provision of these terms 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 programme-specific terms, constitute the entire agreement between you and pearly-journey regarding use of our services.

Waiver

Our failure to enforce any right or provision in these terms does not constitute a waiver of that right or provision.

Contact Information

For questions about these Terms of Use, please contact us:

pearly-journey Ltd
32 Wellington Street
Leeds, LS1 4DL
United Kingdom
Email: [email protected]

Acknowledgment

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