Disclaimer
By accessing and using Fincate, you acknowledge and agree to the following terms:
This is NOT a Regulated Service
Fincate provides educational content and general guidance on financial planning topics. It is not a regulated financial service, and the information provided should not be considered financial, tax, or legal advice.
Not Financial, Tax, or Legal Advice
The content on Fincate is designed to enhance financial knowledge and awareness. It does not offer specific recommendations or advice tailored to your individual circumstances. Always seek professional advice from a qualified financial adviser, tax expert, or legal professional if you require personalised guidance.
No Liability for Decisions
Fincate and its affiliates are not responsible for any decisions made based on the information provided through the platform. You agree that any actions or financial decisions you make are solely your responsibility. You cannot make a claim against Fincate or its affiliates for any consequences, financial or otherwise, arising from the use of the platform or its content.
Updates and Accuracy
While we strive to provide up-to-date and accurate information, we make no guarantees regarding the accuracy, completeness, or reliability of the content. The financial landscape is subject to change, and it is your responsibility to verify any information before acting on it.
By continuing to use the Fincate platform, you confirm that you have read, understood, and agree to these terms.
About Fincate Ltd
Fincate and the Fincate platform are owned and operated by Fincate Ltd. All references to Fincate within these terms apply to Fincate Ltd and its associated platforms, services, and content. Fincate Ltd is a provider of educational materials and general guidance in financial planning, but it does not offer regulated financial services. Any engagement with the platform is subject to the terms set forth by Fincate Ltd, and all intellectual property rights are retained by the company.
Fincate Ltd is a registered company in the UK, with registration number 13242241. Our registered office address is Florence House, Bromfield Lane, Mold, CH7 1JW.
Points, Rewards & Certificates
Users who complete courses and quizzes may earn points. These points have no monetary value and are intended solely for entertainment and recognition of achievements. Points cannot be exchanged, transferred, or redeemed for cash, products, or services.
Certificates earned by completing courses and quizzes are for personal enjoyment and demonstration of course completion. They are not professionally recognised by any official educational or regulatory body.
Payments, Membership and Refund Policy
Fincate memberships are non-refundable. If you choose to downgrade or cancel your membership, no partial or full refunds will be issued. It is your responsibility to manage your membership status accordingly. Fincate uses Stripe to securely process all payments made on the platform. We do not store or have access to your credit or debit card details. Stripe is a trusted third-party payment processor that handles all payment transactions in compliance with the highest security standards. By using Stripe, we ensure that your financial information is protected and that payment processing is handled efficiently. Fincate is not responsible for the payment process itself or any issues that may arise during the transaction.
Please note that prices are subject to change due to factors such as inflation. Additionally, any discounts currently in effect may be withdrawn or altered at our discretion. In the event of any changes, we will provide at least one month's notice to allow you to adjust accordingly.
Fincate uses Paid Memberships Pro to manage memberships and subscription services on our platform. This plugin securely handles member registration, login, and subscription payments, allowing us to offer tailored access to content based on membership levels. Please note that Paid Memberships Pro processes personal data as part of its services, but Fincate does not store or use this data for any other purposes beyond managing memberships. By using our platform, you agree to the use of Paid Memberships Pro to manage your membership and access to content.
Intellectual Property Rights
All content, including but not limited to videos, courses, quizzes, text, and other materials available on the Fincate platform, is the property of Fincate Ltd.
You may not download, reproduce, distribute, or copy any part of the platform’s content without prior written consent from Fincate Ltd. Any unauthorised use of the content will be considered a violation of intellectual property rights and may result in legal action.
Limitation of Liability
Fincate is an educational platform intended to provide general financial literacy and knowledge. We are not liable for any direct, indirect, incidental, or consequential damages that may arise from the use of the platform or its content. This includes but is not limited to:
- Loss of income, savings, or profits
- Business interruptions
- Loss of data or breaches resulting from third-party services
Some of our courses may provide downloadable resources, such as checklists, templates, or guides, to assist in your learning. These resources are provided for informational purposes only and are not intended to serve as professional advice or recommendations. While we aim to offer useful and accurate content, Fincate is not responsible for any actions taken based on the use of these downloads. Users should assess the applicability and relevance of the resources for their own circumstances and consult with a qualified professional if needed. Additionally, Fincate is not responsible for any corrupt files, viruses, or other harmful components that may be associated with these downloads. Users should ensure their devices have appropriate protection and security measures in place when accessing any downloadable content.
GDPR and Data Protection
Fincate Ltd is committed to protecting your personal data in compliance with the General Data Protection Regulation (GDPR). Fincate Ltd is registered with the Information Commissioner's Office (ICO) under registration number ZB002459. We are committed to protecting your privacy and ensuring that your personal data is handled in compliance with applicable data protection laws, including the General Data Protection Regulation (GDPR). For more information on how we process and protect your data, please refer to our Privacy Policy.
Data Collection and Usage:
We collect personal data such as your name, email address, and course progress to provide you with access to the platform and track your educational journey. This data is not shared with third parties without your consent, except when required by law or necessary to provide platform functionality.
Data Security:
We implement appropriate technical and organisational measures to safeguard your data. However, we cannot guarantee absolute security of your information, and you acknowledge that data transmission over the internet carries inherent risks.
User Rights:
You have the right to request access to, correction of, or deletion of your personal data. To exercise these rights, please contact us at support@fincate.com.
Fincate uses Akismet Anti-Spam to help protect our platform from spam and ensure a safe user experience. Akismet checks all user-submitted content, such as comments or form submissions, against its database to identify and filter out spam. Please note that Akismet processes personal data as part of its spam filtering service, but Fincate does not store or use this data for any other purposes. By using our platform, you agree to the use of Akismet for spam protection as part of our commitment to maintaining a secure and trustworthy environment.
Third-Party Services & Websites
The Fincate platform is built on WordPress and uses the MS LMS course plugin. We are not responsible for any service interruptions, data breaches, or technical issues caused by third-party software providers.
Fincate's courses may contain links to third-party websites for additional resources or information. Please note that these links are provided for your convenience and do not imply endorsement, approval, or responsibility for the content on these external websites. Fincate is not responsible for the accuracy, legality, or reliability of any third-party content or services. By accessing third-party websites, you acknowledge that you do so at your own risk and agree to their respective terms and conditions.
Modifications to Terms
Fincate Ltd reserves the right to modify these terms at any time. Updates will be posted on the platform, and continued use of the platform constitutes acceptance of the revised terms.
If you have any questions or concerns regarding these terms, please contact us at support@fincate.com.
