Terms of Use

Agreement to Terms

By accessing or using the suntneortha 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 website or services.

These terms apply to all visitors, users, and others who access or use our services.

Definitions

• "We," "us," "our" refers to suntneortha, located at 42 Donegall Place, Belfast BT1 5AE, United Kingdom
• "Website" refers to the suntneortha website accessible at suntneortha.com
• "Services" refers to our educational courses and related offerings
• "You," "your" refers to the individual or entity accessing our website or services
• "Student" refers to an individual enrolled in our courses
• "Content" refers to text, images, materials, and information provided through our website and courses

Use of Website

Permitted Use

You may use our website for lawful purposes related to:

• Learning about our courses and services
• Enrolling in educational programmes
• Communicating with us regarding our services
• Accessing course materials if you are an enrolled student

Prohibited Use

You agree not to:

• Use the website for any unlawful purpose or in violation of these terms
• Attempt to gain unauthorized access to any portion of the website or systems
• Interfere with or disrupt the website's operation or servers
• Transmit viruses, malware, or other harmful code
• Collect or harvest personal information about other users
• Use automated systems to access the website without permission
• Reproduce, duplicate, or copy course materials without authorization
• Frame or mirror any part of the website without express permission
• Impersonate another person or entity

Course Enrolment and Terms

Enrolment Process

Course enrolment requires submission of an enrolment form. Enrolment is confirmed upon our acceptance and your payment of applicable fees. We reserve the right to refuse enrolment.

Course Fees and Payment

Course fees are specified on our website and in enrolment confirmations. Payment terms will be provided upon enrolment confirmation. Fees must be paid in full before course commencement unless alternative arrangements are agreed in writing.

Cancellation and Refunds

Cancellation policies vary by course and are provided at enrolment. Generally:

• Cancellations made more than 14 days before course start receive full refunds minus an administrative fee
• Cancellations made 7-14 days before start receive 50% refunds
• Cancellations made less than 7 days before start are non-refundable
• We reserve the right to cancel courses due to insufficient enrolment or unforeseen circumstances, providing full refunds

Attendance and Participation

Students are expected to attend all scheduled sessions. Missed sessions due to personal circumstances may be accommodated through makeup arrangements or provision of session materials, at our discretion.

Student Conduct

Students must:

• Treat instructors and other students with respect
• Participate constructively in class activities
• Refrain from disruptive behavior
• Maintain confidentiality regarding other students' personal information shared in class

We reserve the right to remove students who violate conduct expectations without refund.

Intellectual Property Rights

Our Content

All content on our website and in our courses, including text, graphics, logos, course materials, and software, is owned by or licensed to us and protected by copyright, trademark, and other intellectual property laws.

Limited License

Enrolled students receive a limited, non-exclusive, non-transferable license to access and use course materials solely for personal educational purposes during and after course completion.

Restrictions

You may not:

• Reproduce course materials for commercial purposes
• Distribute course materials to non-enrolled individuals
• Modify or create derivative works from our content
• Remove copyright or proprietary notices from materials
• Use our trademarks or branding without written permission

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, secure, or error-free
• Information on the website is complete, accurate, or current
• Defects will be corrected
• The website or servers are free of viruses or harmful components

Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or use
• Business interruption
• Damages arising from your use or inability to use our website or services

Our total liability for any claims arising from our services shall not exceed the fees you paid for the specific course giving rise to the claim.

Educational Nature of Services

Our courses provide general financial education and are not:

• Personalized financial advice tailored to your specific circumstances
• Recommendations to purchase specific financial products
• Guarantees of financial outcomes or results
• Substitutes for professional financial advice from qualified advisers

You should consult qualified financial professionals before making significant financial decisions. We are not responsible for financial decisions you make based on information learned in our courses.

Accuracy of Information

While we strive for accuracy, we make no guarantees regarding the completeness, reliability, or accuracy of information on our website or in our courses. Financial information, regulations, and best practices change over time.

Course content is current as of the course date but may become outdated. We update curricula regularly but cannot guarantee all information remains current after course completion.

Third-Party Links

Our website may contain links to third-party websites for convenience and information. We do not endorse, control, or assume responsibility for the content, privacy policies, or practices of third-party sites.

Access to third-party sites is at your own risk. We recommend reviewing their terms and privacy policies.

Privacy and Data Protection

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

User Content

If you submit questions, comments, or other content to us, you grant us a non-exclusive, royalty-free, perpetual license to use, reproduce, and incorporate such content for educational and business purposes.

You warrant that any submitted content:

• Does not infringe third-party intellectual property rights
• Does not contain defamatory, obscene, or unlawful material
• Does not contain viruses or harmful code

Indemnification

You agree to indemnify and hold harmless suntneortha, its instructors, and affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your violation of these Terms of Use
• Your use of our services
• Your violation of any third-party rights

Modifications to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be posted on this page with an updated "Last updated" date.

Continued use of our website or services after changes constitutes acceptance of modified terms. Material changes affecting enrolled students will be communicated directly.

Modifications to Services

We reserve the right to modify, suspend, or discontinue any aspect of our website or services at any time without notice. We are not liable for any modification, suspension, or discontinuation.

Severability

If any provision of these terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

Waiver

Our failure to enforce any right or provision of these terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative.

Entire Agreement

These Terms of Use, together with our Privacy Policy and any enrolment agreements, constitute the entire agreement between you and suntneortha regarding use of our website and services.

Governing Law and Jurisdiction

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

Contact Information

Questions or concerns about these Terms of Use should be directed to:

Email: [email protected]
Address: 42 Donegall Place, Belfast BT1 5AE, United Kingdom