Terms of Use

Agreement to Terms

By accessing and using the Crystal Hatch website (crystal-hatch.com) or enrolling in our programmes, 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.

Services

Crystal Hatch provides financial education programmes for children, teenagers, and adults across Birmingham. Our services include group courses, workshops, and individual coaching sessions.

Enrollment and Payment

Programme Enrollment

When you enroll in a programme, you enter into a contract with Crystal Hatch. By submitting an enrollment form, you confirm that:

• All information provided is accurate and complete
• You have authority to enroll (or parental authority for minors)
• You agree to pay the stated programme fee

Payment Terms

Programme fees must be paid in full before the first session unless alternative arrangements have been agreed in writing. We accept payment via bank transfer, credit card, or debit card.

Pricing

All prices are stated in British Pounds (GBP) and include VAT where applicable. We reserve the right to change our prices, but changes will not affect enrollments already confirmed.

Cancellation and Refunds

Your Cancellation Rights

You have the right to cancel your enrollment within 14 days of payment (cooling-off period) for a full refund, provided the programme has not yet commenced.

After the cooling-off period:

• Cancellations more than 7 days before the first session: 50% refund
• Cancellations within 7 days of the first session: no refund
• Cancellations after the first session has occurred: no refund

Our Cancellation Rights

We reserve the right to cancel or reschedule programmes due to insufficient enrollment, facilitator illness, or unforeseen circumstances. In such cases, you will receive a full refund or the option to transfer to another session.

Programme Attendance

Regular attendance is important for programme effectiveness. If you miss sessions:

• Missed sessions cannot be refunded
• We will provide session materials where possible
• We cannot guarantee catch-up sessions

Code of Conduct

All participants are expected to:

• Treat facilitators and other participants with respect
• Arrive on time for sessions
• Participate constructively
• Maintain confidentiality regarding other participants' personal information
• Not disrupt sessions or engage in inappropriate behavior

We reserve the right to remove participants who violate this code of conduct without refund.

Intellectual Property

All content provided in our programmes, including materials, worksheets, presentations, and resources, is the intellectual property of Crystal Hatch and is protected by copyright law.

You may use these materials for personal educational purposes but may not:

• Reproduce or distribute materials commercially
• Modify materials and present them as your own
• Share materials publicly or with non-participants

Website Use

Acceptable Use

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

• Use the website in any way that violates applicable laws
• Attempt to gain unauthorized access to our systems
• Introduce malicious software
• Scrape or collect data through automated means
• Impersonate Crystal Hatch or our representatives

Content Accuracy

While we strive to ensure all information on our website is accurate and up-to-date, we do not guarantee its completeness or accuracy. Programme details, pricing, and schedules are subject to change.

Limitation of Liability

Crystal Hatch provides educational services. We do not provide regulated financial advice.

To the fullest extent permitted by law:

• We are not liable for any financial decisions you make based on our programmes
• Our total liability shall not exceed the amount you paid for the programme
• We are not liable for indirect, consequential, or special damages

Nothing in these terms excludes or limits our liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation.

Educational Nature of Services

Our programmes are educational in nature. They are not a substitute for professional financial advice tailored to your specific circumstances. For regulated financial advice, you should consult a qualified financial advisor.

Privacy and Data Protection

Our collection and use of personal information is governed by our Privacy Policy and complies with UK GDPR. By using our services, you consent to such processing.

Age Requirements

Programmes for children under 16 require parental or guardian consent. Parents or guardians accept these terms on behalf of enrolled children.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of use of external sites.

Modifications to Terms

We may revise these terms at any time. Changes will be posted on this page with an updated "Last updated" date. Continued use of our services after changes constitutes acceptance of the revised terms.

Governing Law

These terms are governed by the laws of England and Wales. Any disputes will 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, the remaining provisions will continue in full force and effect.

Contact Information

For questions about these terms, please contact us:

Crystal Hatch
42 Harborne Park Road
Harborne
Birmingham
B17 0BH
United Kingdom
Email: [email protected]