Terms of Use

Last updated: 8 September 2026

Agreement to terms

By accessing or using umber-ravine.com and enrolling in our educational programmes, you agree to be bound by these Terms of Use. If you disagree with any part of these terms, you may not access our services.

Services provided

umber-ravine provides financial education courses and workshops covering money management, investment fundamentals, and related topics. Our services are educational in nature and do not constitute financial advice, investment recommendations, or professional consultancy.

Educational nature

All programmes are designed for educational purposes. Content provided during courses should not be considered:

  • Personalised financial advice
  • Investment recommendations specific to your circumstances
  • Guarantees of financial outcomes
  • Substitutes for professional financial, legal, or tax advice

We strongly recommend consulting with qualified financial advisers before making significant financial decisions.

Enrollment and payment

When you enroll in a programme:

  • You must provide accurate information
  • Payment is due according to the schedule provided in your confirmation email
  • Places are confirmed upon receipt of payment
  • We reserve the right to refuse enrollment at our discretion

Cancellation and refunds

You may cancel your enrollment:

  • More than 14 days before the start date: full refund minus £25 administrative fee
  • 7-14 days before start date: 50% refund
  • Less than 7 days before start date: no refund
  • After the programme has started: no refund for remaining sessions

We may cancel or reschedule sessions due to insufficient enrollment, educator unavailability, or circumstances beyond our control. In such cases, you'll receive a full refund or the option to transfer to another session.

Attendance and participation

Participants are expected to:

  • Attend all scheduled sessions
  • Arrive punctually
  • Participate respectfully
  • Complete assigned preparation work

We do not provide make-up sessions for missed classes. Materials from missed sessions may be provided at our discretion.

Age requirements

Junior programmes require parental or guardian consent for participants under 18. At least one parent or guardian must complete the enrollment on behalf of minors and may be required to attend or remain on premises during sessions.

Conduct expectations

We maintain a respectful learning environment. We reserve the right to remove participants who:

  • Disrupt sessions or other participants
  • Behave inappropriately or disrespectfully
  • Violate confidentiality of other participants' shared information

Removal for conduct violations results in forfeiture of fees without refund.

Intellectual property

All course materials, including presentations, handouts, spreadsheets, and documentation, remain our intellectual property. Participants may:

  • Use materials for personal educational purposes
  • Retain provided resources for future reference

Participants may not:

  • Reproduce or distribute materials commercially
  • Use materials to deliver similar educational services
  • Remove copyright or attribution notices

Confidentiality

Participants often share personal financial information during sessions. All participants must respect the confidentiality of information shared by others. We are not responsible for information participants choose to disclose.

Limitation of liability

To the fullest extent permitted by law:

  • We provide educational content "as is" without warranties
  • We are not liable for financial decisions made based on course content
  • We are not liable for investment losses or missed opportunities
  • Our total liability is limited to the fees paid for the specific programme

This limitation does not affect your statutory rights or exclude liability that cannot legally be excluded.

Investment risk acknowledgment

You acknowledge that:

  • All investments carry risk
  • Past performance does not guarantee future results
  • You may lose money on investments
  • Financial circumstances vary individually
  • Education does not eliminate investment risk

Website use

You may use our website to:

  • Learn about our programmes
  • Enroll in courses
  • Access provided resources

You may not:

  • Attempt to gain unauthorised access to systems
  • Use the site for unlawful purposes
  • Transmit malicious code
  • Scrape or harvest data automatically

Changes to terms

We may update these terms to reflect changes in our services or legal requirements. Updated terms will be posted with a new date. Continued use of our services after changes constitutes acceptance of modified terms.

Governing law

These terms are governed by the laws of England and Wales. Disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

Severability

If any provision of these terms is found unenforceable, the remaining provisions remain in full effect.

Contact

For questions about these terms or our services, contact us at [email protected] or write to:

umber-ravine
87 Mitchell Street
Glasgow, G1 3LN
United Kingdom