a. These are the terms and conditions (“Terms”) on which we supply products to you, whether these are goods, services, training or digital content (our “Services”).
b. Please read these Terms carefully before using any of our Services. By choosing to use any of our Services, you agree to be bound by these Terms.
2. Information about us and how to contact us
a. Who we are: Financial Crime Academy Limited (“Financial Crime Academy”) is a private company limited by shares under the laws of Ireland with company registration number 678145.
b. How to contact us: You can contact us by writing to us at hello at financialcrimeacedemy.org
c. How we may contact you: If we have to contact you we will do so by writing to you at the email address you provide to us.
3. Your Personal Information
4. Your Account
a. To use our Services, you will need to register for a free account. You are solely responsible for maintaining the confidentiality of your account, including your user name and password. You agree to notify us immediately of any unauthorized use of your account or other breaches of security.
b. You may not transfer your account to any other person or allow the use of your account and the Services acquired by you by any other person. Breach of this term may lead to a termination of your account (see “Termination of Services”).
5. Content, IP, and Permissions
a. All content provided by us is protected by copyright and other intellectual property laws.
b. As a user of our Services, we grant you a limited, non-exclusive, and non-transferable license to access this content for your personal and non-commercial use in accordance with these Terms.
c. All other use is prohibited unless with our express written consent. You may not share, duplicate, copy or transfer our content in any way and are liable for any damages we incur should you breach this agreement.
6. Your rights to terminate a Service
a. Your right to change your mind under the EU Consumer Rights Directive (2011/83/EU).
b. For most products bought online, you have a legal right to change your mind within 14 days and receive a refund. If you have bought digital content for download or streaming, you have 14 days after the day on which you receive your email to confirm your order, or, if earlier, until you start downloading or streaming the Service. If we delivered the digital content to you immediately, and you agreed to this when ordering, you will not have a right to change your mind.
c. How we will refund you. We will refund you the amount we received for the product by the method you used for payment. The amount we receive for a product will be the amount you pay less any payment gateway or other fees deducted immediately at the occasion of the payment.)
d. When your refund will be made. We will make the refund you are entitled to as soon as possible. If you are exercising your right to change your mind, your refund will be made within 14 days of your telling us in writing that you have changed your mind.
e. Ending a Service because of something we have done or are going to do.
f. If you are terminating a Service for a reason set out at (a) to (c) below, the Service will end immediately and we will refund you in full for any Service you have not fully consumed (e.g. a course that you have not yet finished and received your certificate for). The reasons are:
i. we have told you about an error in the price or description of the Service you have ordered and you do not wish to proceed;
ii. we have suspended supply of the Service for technical reasons or are going to suspend them for technical reasons, in each case for a period of more than 14 days; or
iii. you have a legal right to end the contract.
g. You may terminate your use of our Services any time, either by discontinuing to access them or by deleting your account as set out in our privacy statement.
8. Our right to terminate a Service
We reserve the right to terminate, modify or suspend our Services at our sole discretion as follows:
a. We may terminate, modify or suspend our Services at our sole discretion without prior notification;
b. If we have to terminate or suspend a paid Service you are currently using, you have full rights to terminate your subscribed Services with us (please see “Your rights to terminate a Service”)
9. We reserve the right to terminate, modify or suspend your access to our Services at our sole discretion as follows:
a. We may terminate your account immediately and without notice or refund if you breach or violate any of these Terms or other applicable policies or laws.
b. We may terminate your account immediately and without notice or refund if you post illegal, inappropriate, racist, sexist or otherwise offending content on our page or in communication with any of its members, administrators or customers in private or public.
c. We may also terminate your account for any reason or no reason at our sole discretion, in which case we will provide a full refund of any Service you have purchased in the last 6 months.
10. Warranty Disclaimer and Limitation of Liability
a. Your use of our Services is entirely at your own risk. The content of our Services is provided “as is” and without warranties of any kind, either express or implied. We do not represent or warrant that our Services will perform without interruption or errors, we have no obligation to indemnify or defend you against claims related to infringement of IP or other claims, and we do not represent or warrant that our Services are secure from hacking or other unauthorized intrusion or that your data will remain private or secure.
b. Neither Financial Crime Academy nor any of our subsidiaries, directors, employees or other representatives are responsible or liable for any direct or indirect, incidental, consequential or other damage under any circumstance. The maximum liability for damages or losses shall, in any case, be limited to the total amount paid to access our Services.
11. Disclaimer regarding the Scope of Service
a. Users understand and agree that
i. Our Services are general in nature and may not be applicable to solve a specific problem or generate a specific result;
ii. Our Services are not provided with any guarantee or warranty as to quality or suitability to suit any particular purpose or achieve any particular outcome;
iii. We cannot guarantee the suitability of a specific Service (e.g. a negotiation method) for a specific situation or purpose;
iv. The Services provided do not constitute the practice of law, legal counseling or professional advice of any kind;
12. System and Service Outages
a. Due to service and maintenance, we periodically need to schedule downtime of our Services.
b. You agree that we cannot be held liable for
i. the periodical unavailability of our Services,
ii. any loss of material, user data, course data or other transaction caused by a system outage,
iii. the resulting delays of such system outages, and
iv. any outages caused by third parties such as our hosting providers or other service providers or third-party plugins or platforms, facilities or networks.
13. Changes to these Terms
a. Your continued use of our Services after changes have become effective shall mean that you have accepted those changes.
b. You should visit this site on a frequent basis to ensure that you are aware of the latest version. Any revised Terms shall supersede all previous Terms.
14. Dispute Resolution
a. All concerns, disputes or claims arising out of or in connection with our Services shall first be communicated to our support team at hello at onlinecourseskills.com. Most problems can be resolved that way.
b. Upon written notice of any remaining dispute, the parties shall attempt to resolve it by negotiation with the executive who has the authority to settle the dispute. This process should be completed within 30 days.
15. Other important Terms
a. If a court finds part of this contract illegal, the rest will continue in force. Each of the paragraphs of these Terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.
b. Even if we delay in enforcing this contract, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under these Terms, or if we delay in taking steps against you in respect of your breaching these Terms, that will not mean that you do not have to do those things and it will not prevent us from taking steps against you at a later date. For example, if you miss a payment and we do not chase you but we continue to provide the Services, we can still require you to make the payment at a later date.
c. Which laws apply to this contract. These Terms and your use of the Services shall be governed by the laws of Ireland. Venue for any dispute shall be the courts of Ireland.
16. Other important Terms
a. We want you to be satisfied, so all eligible courses purchased can be refunded within 30 days, provided the request meets the guidelines in our refund policy.
b. Most refunds are returned via the original payment method. Please note that certain restrictions may apply and some purchases may only be eligible for credit refunds.
c. Certain restrictions may apply and some purchases may only be eligible for credit refunds. For more information regarding our refund policy, please see below.
d. Reasons for denied refunds. We reserve the right, in our sole discretion, to limit or deny refund requests in cases where we believe there is refund abuse, including but not limited to the following:
- A significant portion of the course (more than or equal to 80%) has been consumed or downloaded by a student before the refund was requested.
- Multiple refunds have been requested by a student for the same course.
- Excessive refunds have been requested by a student.
- Users who have their account reported, banned or course access disabled due to a violation of our Terms of Services.
- We do not grant refunds for any subscription services unless otherwise required by applicable law (please see below for more information).
These refund restrictions will be enforced to the extent permitted by applicable law.
17. General Disclaimer
a. All our products and services (online courses, certificate programs, etc.) are for educational purposes only.
b. Opinions or points of view expressed in these materials represent the view of the individuals contributing to the same and do not necessarily represent the official position or policies of the Financial Crime Academy.
c. Nothing in these materials constitutes legal advice.
d. The individuals appearing in this presentation, if any, are depicted for illustrative purposes only and are presumed innocent until proven guilty in a court of law.