Terms of enrolment

1. Who you are contracting with

The course is provided by Odonticniva, 20 Currieside Pl, Shotts ML7 4AL, United Kingdom. You can write to [email protected] or call +44 7457 574656. A contract is formed when we email you to confirm your place and you pay the fee stated in that email.

2. The course is education, not advice

Odonticniva provides general financial education. We are not authorised or regulated by the Financial Conduct Authority. Nothing on the website, in a recording, in a workbook, in a clinic, or in an email is:

• personal financial advice, or a personal recommendation to buy, sell, hold, vary or surrender any investment, mortgage, insurance or credit product;
• tax advice, legal advice, insolvency advice, or debt counselling;
• an offer to arrange a regulated product or to introduce you to a firm for a fee.

You remain responsible for your own decisions. Where a decision is personal, you should speak to an authorised adviser, a qualified accountant, a solicitor, or a free service such as those signposted by MoneyHelper, as appropriate.

3. Who may enrol

You must be 18 or over and resident in the United Kingdom when you enrol, unless we agree otherwise in writing. The course is for your own household learning. You may not enrol on behalf of a child.

4. Pathways and price

Published prices, including VAT, are:

• Foundation Ledger, £189, six weeks of self-paced study covering modules 1 to 5;
• Household Studio, £429, ten weeks covering all eight modules, five live clinics, and one written workbook note;
• Complete Pathway, £690, sixteen weeks covering everything in Household Studio plus two further clinics and a second workbook note.

The price that binds you is the price in your confirmation email. We may change published prices for future cohorts. A change does not alter a place already confirmed.

5. Payment

Payment instructions are sent with your confirmation email. We do not take card details through this website. Please do not email full card numbers. Access to recordings begins when payment has cleared, unless we agree a different date. Clinic dates are stated in the confirmation.

6. Cooling-off and cancellation

If you are a consumer, you may cancel a distance contract within 14 days of the day after we confirm your place, without giving a reason. Tell us by email. If you have not opened more than one lesson, we refund the fee in full within 14 days of your cancellation.

If you ask us to start providing the course during the cooling-off period, you acknowledge that you may lose the right to a full refund once digital content has been supplied. If you cancel after opening more than one lesson but still inside 14 days, we refund the fee less a fair amount for the lessons already opened.

After 14 days, fees are not refundable. You may transfer an unused clinic seat once to a later date in the same pathway if a seat is available. Recordings remain available for twelve months from the start date in your confirmation.

7. How you may use the materials

We license the recordings, workbooks and clinic notes to you for your personal, non-commercial learning. You may not copy them for sale, upload them, or share login details. The Calder household figures are teaching fiction. You may not present them as your own accounts or as results achieved by a real household.

8. Clinics and conduct

Clinics are small-group teaching, not private advice appointments. You must not share another person’s financial information without their consent. We may remove someone from a clinic, and end access without a refund, if they harass others, attempt to sell products, or ask us to give regulated advice after we have declined.

9. Availability

We aim to keep recordings available during your access period. Brief outages for maintenance can happen. If a clinic cannot go ahead, we offer another date. We do not guarantee that a particular tutor will lead every session.

10. Liability

Nothing in these terms limits liability for death or personal injury caused by negligence, for fraud, or for any other liability that the law of the United Kingdom does not allow us to limit.

Subject to that, we are not liable for decisions you make about your money, for losses that were not reasonably foreseeable, or for loss of profit. Our total liability arising out of the course is limited to the fee you paid for the pathway in question, except where the law requires otherwise. The course is provided with reasonable care and skill.

11. Complaints

Email [email protected] with the subject “Complaint”. We acknowledge within five working days and aim to respond in full within fifteen working days. If you are a consumer you may also have rights to use an alternative dispute process or the courts.

12. Changes to these terms

We may update these terms for future enrolments. The terms that apply to you are those sent with, or linked from, your confirmation email. If a change during your access period reduces what you were promised, we will tell you and offer a fair remedy.

13. Law

These terms are governed by the law of Scotland. If you are a consumer living in England, Wales or Northern Ireland, you also keep any mandatory rights of your home nation, and you may bring proceedings in the courts of the part of the United Kingdom in which you live.