Terms and Conditions for Membership and Course Enrolment
Welcome to Financial Regulation Courses. By signing up for our membership and enrolling in our courses, you agree to the following terms and conditions:
No courses will be activated until the required student enrolment verification has been successfully completed.
A 14-day cancellation period applies.
The purchase does not include a downloadable PDF of the course materials. However, a PDF may be requested after the 14-day cancellation period as a courtesy. FRC is under no obligation to provide course material via PDF download.
The initial membership payment is non-refundable. The second and subsequent monthly membership payments are not cancellable if an exam or multiple exams are purchased using the 50% discount.
Upon completion or cancellation of exams, additional membership instalments may be cancelled. Course purchases and study support direct debit payment plans are non-cancellable after the 14-day cancellation period has passed. Defaulting on payments may affect your credit rating and could lead to debt collection submission and/or a County Court Judgment (CCJ).
Please read the full terms and conditions for a more detailed understanding.
1. Membership Terms
Membership Subscription:
Membership is on a monthly basis.
Members receive between 25% and a 50% discount on exam bookings.
A minimum commitment of 3 months is required for each exam booked for courses with over 140 hours of study.
Only registered students are able to sit examinations and access student benefits and discounts.
Account sharing is not permitted.
Payment and Cancellation:
Student Verification Fee is non refundable
The initial membership payment is non-refundable however cancellations are accepted within the 14 days of enrollment
Direct debit payments are cancellable within the scheduled billing cycle.
Membership cannot be cancelled if an exam or multiple exams are purchased using the 50% discount.
Upon completion or cancellation of exams, additional membership instalments can be cancelled.
Fixed course and accessory direct debit payment plans are non-cancellable.
Default on Payment:
Defaulting on payments may affect your credit rating and result in debt collection procedures, including County Court Judgments (CCJs).
2. Course Enrollment and Exam Bookings
Discount and Commitment:
Members are obligated to maintain their subscription for a minimum term of 3 months for each exam booked for courses with over 140 hours of study to prevent misuse of the members discount.
Refunds:
The initial membership payment is non-refundable.
No refunds will be provided for fixed course and accessory direct debit payment plans.
3 Course purchases - All course materials will remain on the platform via study until the 14 day cancellation period has expired at which point course materials will be downloadable.
3. Direct Debit Terms
Cancellations and Refunds:
Direct debit payments for membership are cancellable within the scheduled billing cycle, with a notice period one one month required, except for fixed course and accessory payments which are non-cancellable.
Default and Consequences:
Failing to meet payment obligations may result in a negative impact on your credit rating.
Debt collection measures, including submission to debt collection agencies and obtaining a CCJ, may be pursued for unpaid dues.
4. Legal Considerations
Modification of Terms:
Financial Regulation Courses reserves the right to modify these terms and conditions at any time. Members will be notified of any changes in advance.
Governing Law:
These terms and conditions are governed by and constructed in accordance with the laws of England, Scotland, Ireland and Wales.
Governing Law for International students will be governed by United Arab Emirates laws.
5. Contact Information
If you have any questions about these terms and conditions, please contact us at info@financialregulationcourses.com Contact Information.
1. Full Terms and Conditions
1.1 These terms and conditions (the "Terms") apply to all uses of financialregulationcourses.com (the "Website"), all subdomains and the FRC Mobile App (the “App”) (together “the Services”) including: your use of the Services to access information; any participation in the members' Professional Forums; and for booking courses and purchasing products and services.
1.2 The Services are operated by Financial Regulation Courses, a limited company registered in London, England (company number 15351414) ("FRC") . The registered office of FRC(S) and FRC is 128 City Road, London, United Kingdom, EC1V 2NX. Throughout the Terms, FRC(S) and FRC will be defined collectively as "the Group". All notices to be given and all payments to be made by you under these Terms shall be to FRC(S) or FRC as appropriate at the address and to the payee specified in Clause 3.3.
1.3 You understand and acknowledge that all membership applications, examinations, public training courses, publications, CPD seminars, social networking events and conferences are administered by FRC. In-house training courses and services rendered outside the UK are administered by FRC(S). Learning Materials such as workbooks and eBooks and any other goods that the Group specifies from time to time are referred to in the Terms as "Goods".
1.3 FRC is not registered for VAT.
2. Use of the Services inclusive if payment plans
2.1 By using the Services, you signify your acceptance of the Terms in consideration of which the Group provides you with access. From time to time the Group may modify the Terms. Accordingly, please continue to review the Terms whenever accessing or using the Services. If at any time you do not wish to accept the Terms, you may choose not to use the Services.
2.2 While the Group has endeavoured to ensure the accuracy of the information accessed via the Services, the Group does not guarantee or give any warranty as to the accuracy, timeliness, or completeness of any such information or material.
2.3 Third-party websites or pages to which the Services are linked are for information only and have not been reviewed by the Group. The Group has no responsibility for the content of the websites or pages linking to the Services, and the Group accepts no responsibility or liability for any losses or penalties whatsoever that may be incurred as a result of any linking to a location on any third-party websites.
2.4 The Services, including (but not limited to) text, content, software, video, music, sound, graphics, photographs, illustrations, artwork, photographs, names, logos, trademarks, service marks and other material ("Content") are protected by copyright, trademarks and/or other proprietary rights. The Content includes both content owned or controlled by the Group and content owned or controlled by third parties and licensed to the Group. All individual articles, reports, and other elements making up the Services may be copyright works. You agree to abide by all additional copyright notices or restrictions contained in the Services.
2.5 You may not use any of the Group's trademarks or trade names without the Group's consent and you acknowledge that you have no ownership rights in and to any of those names and marks.
2.6 You agree to notify the Group in writing promptly upon becoming aware of any unauthorised access to or use of the Services by any party or of any claim that the Services or any the contents of the Website or App infringes any copyright, trademark, or other rights of any party.
2.7 You acquire no rights or licences in or to the Services and/or the Content other than the limited right to use the Website and App in accordance with these Terms and to download on the terms set out in this section. Other than as set out in this section you may not copy, reproduce, recompile, decompile, disassemble, reverse engineer, distribute, publish, display, perform, modify, upload to create derivative works from, transmit, or in any other way exploit any part of the Services. Download is permitted by the Group provided only that: (i) you make only personal, non-commercial use of such download and/or printed copy; and (ii) you retain on such download and/or printed copy all copyright notices and shall remain bound by the terms of such wording and notices. Additionally, you may not offer for sale or distribute over any other medium the Content or any part thereof. You may not make any part of the Services available as part of another website or app. The Services and the information contained therein may not be used to construct a database of any kind, nor may the Website or App be stored (in entirety or in any part) in databases for access by you or any third party or to distribute any database containing all or part of the Services.
2.8 If you would like information about obtaining the Group's permission to use any of the Content or if you would like to link your site to the FRC Website, please contact the Group on +44 208 129 4023
2.9 The Services and Content are provided "as is" excluding any warranties of any kind, either express or implied, to the fullest extent permissible pursuant to applicable law including (but not limited to) the exclusion of warranties of title, merchantability, satisfactory quality, fitness for a particular purpose and non-infringement of proprietary or third party rights. The Group further accepts no responsibility or liability for functions contained on the Website or App and makes no warranties that the Services will operate uninterrupted or error-free or that defects will be corrected. Please note that some jurisdictions do not allow the exclusion of implied warranties, so some or all of the above exclusions may not apply to you.
2.10 You accept that the Group has the right to change the content or technical specifications of any aspect of the Services at any time at the Group's sole discretion. You further accept that such changes may result in your being unable to access the Services.
2.11 You acknowledge that your use of the Services, including the Content, is at your own risk. If you are dissatisfied with the Services, the Terms or any of the Content your sole remedy is to discontinue use of the Services. The Group has no liability for the Website, App or any Content.
3. Online Bookings
3.1 These Terms cover all CPD seminars, social networking events, conferences, courses, assessments and examination bookings made with the Group via the Services. No contract between you and the Group will come into existence until the Group issues confirmation of your booking. All individuals must provide an email address to complete the booking. The Group will email you confirmation of your booking.
3.2 Where a booking is made by a person, firm or company on behalf of a number of people, the person who makes the booking accepts these Terms on behalf of such people and is responsible for all payment due from such people. By submitting a booking, you warrant and confirm to us that you will comply with these Terms.
3.3 Alternatively, payment can be made by cheque (payable to Financial Regulation Courses or Financial Regulation Courses (Services) Limited as appropriate and crossed "Account Payee Only") and sent to Financial Regulation Courses, 128 City Road, London, United Kingdom, EC1V 2NX Corporate account customers may be invoiced. The Group cannot accept responsibility for cash sent through the post.
3.4 All prices are exclusive of VAT and any other taxes that may be payable. Full payment of all fees is required at the time the CPD seminars, social networking events, conferences, courses, assessments or examination ("the Event") is booked. Payment may be made online by credit or debit card. Confirmation of the booking and any other additional documentation will be sent to the email address of the delegate.
3.5 The Group reserves the right to cancel or alter the content of all Events. If the Event is fully booked or it is not possible to confirm the booking for any other reason, you will be given a full refund.
3.6 Where Events are administered or provided by a third-party supplier, the supplier's terms and conditions will apply in addition to these Terms.
3.7 Cancellations must be received in writing by the Group from the person making the booking and the following refund policies apply:-
(a) Examinations. For exam transfers, please contact customer services
(b) For seminars, networking events, conferences and courses, please refer to the FRC Event & FRC TV terms and conditions.
(c) Workbooks and Publications. Fees paid in respect of the purchase of Workbooks and Publications may be refunded, subject to the return of the Workbook/Publication and its condition. The decision to accept a return is at the Supplier's discretion.
If the purchase is online for a digital product then the terms of the agreement will stand at 14 day cancellation and refund policy subject to administration fees no greater than 10% of the purchase value.
3.8 Although the Group will try to ensure that Events proceed as planned, the Group reserves the right to change course and training dates, content, speakers and venue. In the event such a change is made, the Group will endeavour to notify delegates as soon as possible. The Group may also cancel an Event for any reason, in which case a full refund will be made within thirty (30) days. In the case of examinations, should the date or time be changed, FRC will endeavour to notify candidates as soon as possible. A candidate unable to sit the examination at the new date and time will be entitled to a full refund.
3.9 You agree to jointly and severally indemnify, defend, and hold harmless the Group, its employees, representatives and agents, from and against any claims, actions, demands or other proceedings brought by a third party arising in connection with: (i) your use of the Services; (ii) any breach by you of the Terms; (iii) a claim that any use of the Services by you infringes any intellectual property rights of any third party, or any right of personality or publicity or is libellous or defamatory, or otherwise results in injury or damage to any third party; (iv) any deletions, additions, insertions, or alterations to, or any unauthorised use of, the Website or App by you; or (v) any misrepresentation or breach of representation or warranty made by you contained herein. You will indemnify the Group, jointly and severally from and against any costs, liabilities, damages and expenses incurred in connection with your use of the Services.
3.10 Save in respect of fraud and of personal injury or death to the extent it results from the Group's negligence, any liability the Group may have in relation to courses, seminars and examinations booked by you, shall be limited to the amount of a refund of any fees paid by you in relation to the circumstances giving rise to liability. In no event will the Group be liable for any loss of profit, loss of revenue, anticipated savings, loss of or damage to data or any indirect or consequential losses even if the Group has been advised of the possibility thereof. Applicable law may not allow the limitation or exclusion of liability for consequential or incidental damages, so this limitation or exclusion may not apply to you.
4. Online Purchases
4.1 The Group must receive payment of the whole of the price for the Goods that you order before your order can be accepted. Corporate account holders may be invoiced for fees. Once the Group has received payment, we will confirm that your order has been accepted by sending an email to you at the email address provided. Acceptance of your order by the Group brings into existence a legally binding contract between us. The Group reserves the right, at any time prior to acceptance, to refuse any order or any part of an order, or to require further information to enable it to process the order. Payment plans are not cancellable subscriptions,
4.2 The price (excluding VAT) payable for Goods that you order is as set out on our Website or App. Prices for standard postage and packing are shown separately where applicable.
4.3 If you are an individual buying physical Goods for your own personal use you may cancel your order at any time up to the end of the second (2nd) working day after the day upon which you ordered the Goods. Where Goods are being purchased by an individual in business or a firm or company an order may be cancelled at any time up to the end of the second (2nd) working day after the order has been placed. The Group does not require a reason for the cancellation of an order, nor will any penalty be incurred.
4.4 You will lose your right to cancel if Goods are not returned in a re-saleable condition. The Group reserves the right to reject returned Goods, which at its sole discretion, are not considered to be in a re-saleable condition.
4.5 To cancel the order you must notify the Group in writing at the address set out on the contact details page of the Website.
4.6 If you have received the Goods before you cancel your order, then you must send them back to the Group contact address at your own cost and risk. If you cancel your order but the Group has already processed the goods for delivery you must not unpack the Goods on receipt and you must send the goods back to the Group at the Group contact address at your own cost and risk as soon as possible. In relation to any audio or video recordings or computer software, you lose your right to cancel your order if, having already received such goods, you take them out of their sealed package.
4.7 Once you have notified the Group that you are cancelling your order, any sum debited to the Group from your credit or debit card will be re-credited to your account within thirty (30) days PROVIDED THAT the Goods are returned by you and received by the Group in the condition they were in when delivered to you.
4.8 If the Group has insufficient stock to deliver the goods you have ordered, any sum debited by the Group from your credit or debit card will be re-credited to your account and the Group will notify you by email or post at the address given by you in your order form. The refund will be made as soon as possible. The Group will not offer any additional compensation.
4.9 The Group will deliver the Goods ordered by you to the address you give the Group for delivery at the time you make your order. You will become the owner of the Goods you have ordered when they have been delivered to you. Please allow 5 working days for delivery of Goods within the mainland UK, Ireland, Channel Islands and Isle of Man. For the rest of the world, please allow four (4) weeks. It might not be possible for us to deliver to some locations. These delivery times are indicative only and time will not be of the essence for delivery. Once Goods have been delivered to you, they will be held at your own risk and the Group will not be liable for their loss or destruction.
4.10 If you do not receive Goods ordered by you within thirty (30) days of the date on which you ordered them, the Group have no liability to you unless you notify the Group in writing at the Group contact address of the problem within forty (40) days of the date on which you ordered the goods.
4.11 If you notify a problem to the Group under this condition, the Group's only obligation will be, at its option: (a) to make good any shortage or non-delivery; (b) to replace or repair any Goods that are damaged or defective; or (c) to refund to you the amount paid by you for the Goods in whatever way the Group chooses.
4.12 Save in respect of fraud and of personal injury or death to the extent it results from the Group's negligence, any liability the Group may have in relation to Goods purchased by you via the Services, shall be limited to the amount of a refund of any fees paid by you in relation to the applicable product. In no event will the Group be liable for any loss of profit, loss of revenue, anticipated savings, loss of or damage to data or any indirect or consequential losses even if the Group has been advised of the possibility thereof. Applicable law may not allow the limitation or exclusion of liability for consequential or incidental damages, so this limitation or exclusion may not apply to you.
4.13 Nothing in this condition is, however, intended to limit any rights you might have as a consumer under applicable local law that may not be excluded nor in any way to exclude or limit the Group's liability to you for any death or personal injury resulting from its negligence.
5. Feedback and Complaints
5.1 If for any reason you feel you wish to give feedback or make a complaint in connection with any online bookings or purchases please submit an online form at Feedback and where applicable refer to the Feedback & Complaints Policy
6. Use of data.
6.1 The Group will collect and hold personal data in order to enable the processing of bookings and fulfilment of orders for goods. Details of how the Group uses such information can be found in our separate Privacy Policy.
7. Applicable laws
7.1 The Services are not directed at any person in any jurisdiction where for any reason the publication or availability of the Website, App or Content is prohibited. Those in respect of whom such prohibitions apply must not access the Services. The Group does not represent that the Website, App or the Content are appropriate for use or permitted by local laws in all jurisdictions. Those who access the Services do so on their own initiative and are responsible for compliance with applicable local laws or regulations; legal advice should be sought in cases of doubt.
7.2 The Terms are governed by the laws of England and Wales and the parties submit to the exclusive jurisdiction of the English courts.
