Terms of Service

1. Agreement to Terms

By accessing and using the Shiny Portfolio website and services, you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Description of Service

Shiny Portfolio provides professional investment education courses and related services in the United Kingdom. Our services include:

• Online and in-person investment courses
• Educational materials and resources
• Market insights and analysis
• Student support and mentorship

3. Eligibility

You must be at least 18 years old to use our services. By using our services, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these terms.

4. User Responsibilities

As a user of our services, you agree to:

• Provide accurate and complete information
• Maintain the confidentiality of your account credentials
• Use our services for lawful purposes only
• Respect intellectual property rights
• Not interfere with the operation of our services
• Comply with all applicable laws and regulations

5. Course Enrollment and Payment

Enrollment

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

Payment Terms

Full payment is required before course commencement unless alternative arrangements have been made. All fees are non-refundable except as specified in our refund policy.

Refund Policy

Refunds may be available under the following circumstances:

• Course cancellation by Shiny Portfolio
• Written withdrawal notice received 7 days before course start date
• Exceptional circumstances at our discretion

6. Intellectual Property

All content, materials, and resources provided through our services are the intellectual property of Shiny Portfolio or our licensors. This includes:

• Course materials and curricula
• Videos, presentations, and documents
• Software and applications
• Trademarks and logos

You may not reproduce, distribute, or create derivative works without explicit written permission.

7. Investment Disclaimer

Important: The information and education provided by Shiny Portfolio are for educational purposes only and do not constitute financial advice. Investment involves risk, including potential loss of principal. Past performance does not guarantee future results.

You should:

• Conduct your own research before making investment decisions
• Consider your financial situation and risk tolerance
• Seek advice from qualified financial professionals when appropriate
• Understand that we are not liable for your investment decisions or outcomes

8. Limitation of Liability

To the maximum extent permitted by law, Shiny Portfolio shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services, including but not limited to:

• Investment losses or financial damages
• Loss of profits or opportunities
• Data loss or corruption
• Service interruptions

9. Indemnification

You agree to indemnify and hold harmless Shiny Portfolio, its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of our services or violation of these terms.

10. Privacy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information.

11. Modifications to Service and Terms

We reserve the right to modify, suspend, or discontinue our services at any time. We may also update these Terms of Service periodically. Continued use of our services after changes constitutes acceptance of the modified terms.

12. Termination

We may terminate or suspend your access to our services immediately, without prior notice, for conduct that we believe violates these Terms of Service or is harmful to other users, us, or third parties.

13. Governing Law

These Terms of Service are governed by the laws of England and Wales. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

14. Contact Information

If you have questions about these Terms of Service, please contact us: