Terms of Service

1. Acceptance of Terms

Welcome to Wander Quotes. These Terms of Service ("Terms") constitute a legally binding agreement between you and Wander Quotes ("Company," "we," "us," or "our") regarding your use of our website wander-qoutes.com and our financial education services.

By accessing or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.

2. Description of Services

Wander Quotes provides financial literacy education services including:

• Online and in-person financial education courses
• One-on-one financial coaching sessions
• Educational materials and resources
• Workshops and seminars
• Financial planning guidance

Our services are designed to provide educational information and should not be considered as personalized financial advice for investment decisions.

3. Eligibility and Registration

3.1 Age Requirements

You must be at least 18 years old to use our services. If you are under 18, you may only use our services with the involvement and consent of a parent or guardian.

3.2 Account Registration

To access certain services, you may need to create an account. You agree to:

• Provide accurate and complete registration information
• Keep your account information updated
• Maintain the security of your login credentials
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use

4. Course Enrollment and Payment

4.1 Course Enrollment

Course enrollment is subject to availability and our acceptance. We reserve the right to refuse enrollment at our discretion.

4.2 Payment Terms

• Course fees must be paid in full before course commencement unless other arrangements are made
• All prices are in British Pounds Sterling (GBP) and include VAT where applicable
• Payment methods accepted include credit/debit cards and bank transfers
• We reserve the right to change course prices with reasonable notice

4.3 Refund Policy

Our refund policy is as follows:

• Full Refund: Available up to 14 days before course start date
• 50% Refund: Available 7-13 days before course start date
• No Refund: Less than 7 days before course start date or after course commencement
• Cancellation by Company: Full refund if we cancel a course

Refund requests must be submitted in writing and may take 5-10 business days to process.

5. Intellectual Property Rights

5.1 Our Content

All content on our website and in our courses, including text, graphics, logos, images, audio clips, video clips, and software, is owned by Wander Quotes or our licensors and is protected by UK and international copyright laws.

5.2 Limited License

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

• Reproduce, distribute, or display our content commercially
• Modify, adapt, or create derivative works
• Share course materials with non-enrolled individuals
• Use our content for competing educational services

6. User Conduct and Responsibilities

By using our services, you agree to:

• Use our services only for lawful purposes
• Respect other participants and instructors
• Attend scheduled sessions punctually
• Not disrupt classes or coaching sessions
• Maintain confidentiality of other participants' personal information
• Not record sessions without explicit permission
• Provide honest feedback and evaluations

7. Disclaimers and Educational Nature

7.1 Educational Content Only

Important: Our courses and materials are for educational purposes only and do not constitute financial, investment, tax, or legal advice. We are not licensed financial advisors, and our content should not be relied upon for making specific financial decisions.

7.2 No Guarantees

We do not guarantee:

• Specific financial outcomes or results
• Investment returns or performance
• Debt elimination or credit improvement
• Employment or career advancement

7.3 Professional Advice Recommendation

We strongly recommend consulting with qualified financial, legal, and tax professionals before making significant financial decisions.

8. Limitation of Liability

To the fullest extent permitted by UK law:

• Our total liability shall not exceed the amount you paid for the specific service
• We shall not be liable for indirect, incidental, special, or consequential damages
• We do not warrant uninterrupted or error-free service
• You assume full responsibility for your financial decisions

This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis.

9. Indemnification

You agree to indemnify and hold harmless Wander Quotes, its employees, instructors, and agents from any claims, losses, damages, or expenses arising from:

• Your use of our services
• Your violation of these Terms
• Your financial decisions made based on our educational content
• Any content you provide or submit

10. Privacy and Data Protection

Your privacy is important to us. Our collection and use of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

11. Modifications to Services and Terms

11.1 Service Changes

We reserve the right to modify, suspend, or discontinue our services at any time with reasonable notice.

11.2 Terms Updates

We may update these Terms periodically. Material changes will be communicated through:

• Email notifications to registered users
• Prominent website notices
• Updated "last modified" date

Continued use of our services after changes constitutes acceptance of the updated Terms.

12. Termination

12.1 Termination by You

You may terminate your account and stop using our services at any time, subject to our refund policy.

12.2 Termination by Us

We may suspend or terminate your access if you:

• Violate these Terms
• Engage in fraudulent activities
• Disrupt our services or other users
• Fail to pay required fees

13. Governing Law and Dispute Resolution

13.1 Governing Law

These Terms are governed by the laws of England and Wales, without regard to conflict of law principles.

13.2 Dispute Resolution

Any disputes arising from these Terms or our services shall be resolved through:

1. Direct Communication: Initial attempt to resolve through good faith negotiations
2. Mediation: If direct communication fails, binding mediation in England
3. Court Jurisdiction: Courts of England and Wales have exclusive jurisdiction

14. Severability and Entire Agreement

14.1 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.

14.2 Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Wander Quotes regarding our services.

15. Contact Information

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