Terms of Use

Effective Date: 10 May 2026

Last Updated: 10 May 2026

1. Agreement to Terms

By accessing or using the fusion-shift website (fusion-shift.com) or services, you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, please do not use our website or services.

2. Description of Services

fusion-shift provides financial education services, including workshops, coaching sessions, courses, and consultations designed to improve financial literacy and money management skills.

Our services are educational in nature and do not constitute financial advice regulated by the Financial Conduct Authority (FCA). We do not provide investment advice, recommend specific financial products, or manage client assets.

3. Eligibility

Our services are intended for individuals aged 18 years and older. By using our services, you confirm that you meet this age requirement and have the legal capacity to enter into binding contracts.

4. User Responsibilities

4.1 Accurate Information

You agree to provide accurate, current, and complete information when using our services or submitting forms on our website. You are responsible for maintaining the accuracy of your information.

4.2 Prohibited Uses

You agree not to:

• Use our website or services for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Transmit viruses, malware, or other harmful code
• Harvest or collect information about other users
• Impersonate another person or entity
• Interfere with the proper functioning of the website
• Violate any applicable laws or regulations

4.3 Account Security

If you create an account or booking with us, you are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.

5. Intellectual Property Rights

5.1 Our Content

All content on this website, including text, graphics, logos, images, and software, is the property of fusion-shift or our content suppliers 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 website for personal, non-commercial purposes. You may not:

• Reproduce, distribute, or publicly display our content without permission
• Modify or create derivative works from our content
• Use our content for commercial purposes
• Remove copyright or proprietary notices

5.3 Course Materials

Materials provided as part of our workshops or courses are for your personal use only. You may not share, distribute, or commercially exploit these materials without our express written permission.

6. Service Terms

6.1 Booking and Payment

When you book our services:

• Prices are as stated at the time of booking
• Payment is required in advance unless otherwise arranged
• We reserve the right to refuse service at our discretion

6.2 Cancellation Policy

For individual sessions:

• Cancellations made 48 hours or more before the scheduled session receive a full refund
• Cancellations made less than 48 hours before the session are non-refundable
• We will work with you to reschedule if circumstances require

For workshops and courses:

• Cancellations made 7 days or more before the start date receive a full refund
• Cancellations made less than 7 days before the start date receive a 50% refund
• No refunds are provided for cancellations made after the workshop or course has started

6.3 Our Cancellation Rights

We reserve the right to cancel or reschedule services due to:

• Insufficient enrollment
• Instructor illness or emergency
• Force majeure events

In such cases, we will provide a full refund or alternative date at your choice.

7. Educational Disclaimer

Important: Our services are educational in nature and should not be construed as:

• Regulated financial advice
• Investment recommendations
• Tax advice
• Legal advice
• Guaranteed financial outcomes

We help you develop financial literacy and decision-making frameworks. You remain responsible for your own financial decisions and should consult qualified professionals for regulated advice when appropriate.

8. No Guarantees

While we strive to provide high-quality educational content, we do not guarantee:

• Specific financial results or outcomes
• That our methods will work for every individual
• Elimination of financial challenges
• Increased income or wealth

Financial success depends on many factors outside our control, including your personal circumstances, effort, market conditions, and economic environment.

9. Limitation of Liability

To the fullest extent permitted by law:

• fusion-shift and its directors, employees, and agents shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our website or services
• Our total liability for any claims related to our services shall not exceed the amount you paid for those services
• We are not liable for any losses resulting from financial decisions you make based on our educational content

10. Indemnification

You agree to indemnify and hold harmless fusion-shift, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your violation of these Terms of Use
• Your violation of any rights of another party
• Your use of our website or services

11. Third-Party Links

Our website may contain links to third-party websites for your convenience and information. We do not control these websites and are not responsible for their content, privacy practices, or terms. Accessing third-party websites is at your own risk.

12. Modifications to Services and Terms

12.1 Service Changes

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice.

12.2 Terms Changes

We may update these Terms of Use from time to time. Material changes will be communicated through prominent notice on our website. Continued use of our services after changes constitutes acceptance of the revised terms.

13. Privacy

Your use of our website and services is also governed by our Privacy Policy and GDPR statement, which are incorporated into these Terms of Use by reference.

14. Governing Law and Jurisdiction

These Terms of Use are governed by the laws of England and Wales. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

15. Dispute Resolution

Before initiating legal proceedings, we encourage you to contact us to resolve any disputes informally. We are committed to working with you to find mutually acceptable solutions.

16. Severability

If any provision of these Terms of Use is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

17. Entire Agreement

These Terms of Use, together with our Privacy Policy and any service-specific agreements, constitute the entire agreement between you and fusion-shift regarding use of our website and services.

18. Waiver

Our failure to enforce any right or provision of these Terms of Use shall not be deemed a waiver of such right or provision.

19. Contact Information

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

fusion-shift
42 Kingsway
London WC2B 6EX
United Kingdom

Email: [email protected]

20. Acknowledgment

By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.