Terms & Conditions

Entity: TRANSFORMATIVEFIN HUB LLC · Incorporated in: [jurisdiction — needs input] · Registration number: [needs input]

This agreement applies as between you, the User of this website, and TRANSFORMATIVEFIN HUB LLC, the owner of this website. Your agreement to comply with and be bound by Clauses 1, 2, 4–11 and 15–25 of these Terms and Conditions is deemed to occur upon your first use of the website. Clauses 3 and 12–14 apply only to the sale of Services. If you do not agree to be bound by these Terms and Conditions, you should stop using the website immediately.

No part of this website is intended to constitute a contractual offer capable of acceptance. Your order constitutes a contractual offer, and our acceptance of that offer is deemed to occur upon our sending a confirmation email indicating that your order has been accepted.

1. Definitions and Interpretation

"Account": means collectively the personal information, Payment Information and credentials used by Users to access Paid Content and/or any communications System on the Website.
"Content": means any text, graphics, images, audio, video, software, data compilations and any other form of information capable of being stored in a computer that appears on or forms part of this Website.
"Facilities": means collectively any online facilities, tools, services or information that TRANSFORMATIVEFIN HUB LLC makes available through the Website, either now or in the future.
"Services": means the services available to you through this Website, specifically use of the TRANSFORMATIVEFIN HUB LLC proprietary e-learning platform.
"Payment Information": means any details required for the purchase of Services from this Website, including but not limited to credit/debit card numbers, bank account numbers and sort codes.
"System": means any online communications infrastructure that TRANSFORMATIVEFIN HUB LLC makes available through the Website, either now or in the future.
"User" / "Users": means any third party that accesses the Website and is not employed by TRANSFORMATIVEFIN HUB LLC and acting in the course of their employment.
"Website": means the website you are currently using (www.transformativefinhub.org) and any sub-domains of this site, unless expressly excluded by their own terms and conditions.
"We" / "Us" / "Our": means TRANSFORMATIVEFIN HUB LLC, a company incorporated in [jurisdiction — needs input] with company registration number [needs input].

2. Age Restrictions

Persons under the age of 18 should use this Website only with the supervision of an Adult. Payment Information must be provided by, or with the permission of, an Adult.

3. Business Customers

These Terms and Conditions also apply to customers procuring Services in the course of business.

4. Intellectual Property

4.1 Subject to the exceptions in Clause 5, all Content included on the Website — unless uploaded by Users — including but not limited to text, graphics, logos, icons, images, sound clips, video clips, data compilations, page layout, underlying code and software, is the property of TRANSFORMATIVEFIN HUB LLC, our affiliates, or other relevant third parties. By continuing to use the Website you acknowledge that such material is protected by applicable [jurisdiction — needs input] and international intellectual property law.

4.2 Subject to Clause 6, you may not reproduce, copy, distribute, store or otherwise re-use material from the Website unless indicated on the Website or given our express written permission.

5. Third-Party Intellectual Property

5.1 Unless otherwise expressly indicated, all intellectual property rights — including but not limited to copyright and trademarks — in product images and descriptions belong to the manufacturers or distributors of such products, as applicable.

5.2 Subject to Clause 6, you may not reproduce, copy, distribute, store or otherwise re-use such material unless indicated on the Website or given express written permission by the relevant manufacturer or supplier.

6. Fair Use of Intellectual Property

Material from the Website may be re-used without written permission where an applicable statutory copyright exception applies.

7. Links to Other Websites

This Website may contain links to other sites. Unless expressly stated, these sites are not under the control of TRANSFORMATIVEFIN HUB LLC or its affiliates. We assume no responsibility for the content of such websites and disclaim liability for any loss or damage arising from their use. Inclusion of a link does not imply endorsement of the linked site.

8. Links to This Website

Those wishing to link to this Website's home page may do so without our prior permission. Deep linking (links to specific internal pages) requires our express written permission — contact info@transformativefinhub.org or call [phone number — needs input].

9. Use of Communications Facilities

9.1 When using any System on the Website, you must not: use obscene or vulgar language; submit unlawful or objectionable Content (including abusive, threatening, harassing or defamatory material); submit Content intended to promote or incite violence; identify yourself in a way that violates these Terms or applicable law; impersonate TRANSFORMATIVEFIN HUB LLC employees or affiliates; or use our System for unauthorised mass communication such as spam. Submissions in English are preferred, as we may be unable to respond to enquiries in other languages.

9.2–9.4 TRANSFORMATIVEFIN HUB LLC reserves the right to monitor and retain copies of any communications made to us or using our System. Information you send us may be modified by us, and any restrictions on our use of it must be communicated to us in advance; we reserve the right to reject such terms.

10. Accounts

10.1 To procure Services on this Website, you are required to create an Account. By continuing to use this Website, you represent and warrant that all submitted information is accurate and truthful, that you have permission to submit any Payment Information, and that you will keep this information up to date.

10.2–10.4 We recommend you do not share your Account details and accept no liability for losses resulting from shared credentials. If you believe your Account has been accessed without consent, contact us immediately. Usernames must comply with Clause 9.

11. Termination and Cancellation of Accounts

Either TRANSFORMATIVEFIN HUB LLC or you may terminate your Account. If we terminate your Account, you will be notified by email with an explanation, though we reserve the right to terminate without giving reasons. Any pending orders or payments will be cancelled and provision of Services will not commence.

12. Services, Pricing and Availability

12.1–12.5 We make reasonable efforts to ensure Service descriptions are accurate, but the exact nature of Services may vary by individual circumstance. Pricing is correct at the time of publication; we reserve the right to change prices and offers. If prices change between order placement and processing, the price valid at the time of order applies.

13. Orders and Provision of Services

13.1–13.7 No part of this Website constitutes a contractual offer capable of acceptance; your order is an offer we may, at our discretion, accept via order confirmation email. We aim to fulfil orders within one working day, or a reasonable period thereafter, and will use reasonable skill and care in providing Services commensurate with best trade practice. Technical support is provided via our online support forum and/or phone, without guaranteed response times.

14. Cancellation of Orders and Services

We want you to be completely satisfied with the Services you order. To discuss your order, contact info@transformativefinhub.org. Consumers based within the European Union have a statutory 14-calendar-day "cooling off" period from order confirmation. If Services begin within this period at your express request, you acknowledge that accessing the Services forfeits your right to cancel once complete; if cancelled after Services have begun but before completion, payment is due in proportion to Services delivered, with any refund issued within 14 calendar days. Cancellation after the cooling-off period is subject to the specific terms governing those Services.

15. Privacy

Use of the Website is also governed by our Privacy Policy, incorporated into these Terms and Conditions by reference.

16. How We Use Your Personal Information (Data Protection)

Personal information we collect will be used to provide our Services, process payment, and inform you of new products and services (you may opt out of the latter at any time). We will not pass your personal information to third parties without your express permission, except where required for credit reference purposes with your consent.

17. Disclaimers

We make no warranty that the Website will meet your requirements, be of satisfactory quality, be fit for a particular purpose, or be secure and error-free. No part of the Website constitutes advice, and no part is intended as a contractual offer capable of acceptance. You are strongly advised to take responsibility for your own internet security.

18. Changes to the Facilities and These Terms and Conditions

We reserve the right to change the Website, its Content, or these Terms and Conditions at any time. You are bound by changes from your first use of the Website following the change.

19. Availability of the Website

The Website is provided "as is" and "as available." We use industry best practice for high uptime but give no warranty that the Website will be free of defects, and accept no liability for disruption resulting from external causes such as ISP or host equipment failure, network failure, power failure, or acts of war.

20. Limitation of Liability

To the maximum extent permitted by law, we accept no liability for direct or indirect loss or damage arising from use of the Website, except where such liability cannot lawfully be excluded — including liability arising from the incorrect provision of Services or reliance on incorrect information on the Website. If any term is found unenforceable, it shall be severed without affecting the remaining Terms.

21. No Waiver

A failure by either party to exercise any right or remedy under these Terms shall not be construed as a waiver of that right.

22. Previous Terms and Conditions

In the event of conflict between these Terms and any prior version, these Terms shall prevail unless expressly stated otherwise.

23. Third-Party Rights

Nothing in these Terms confers rights upon any third party. This agreement is between you and TRANSFORMATIVEFIN HUB LLC.

24. Communications

Notices to us should be sent by post to our registered address or by email to info@transformativefinhub.org. We may send you information about our products and services if you opt in; you may unsubscribe at any time via the link in any such email.

25. Law and Jurisdiction

These Terms and the relationship between you and TRANSFORMATIVEFIN HUB LLC shall be governed by and construed in accordance with [governing law — needs input].