1. Introduction
These Terms of Use ("Terms") govern your access to and use of the Lumora Energy website (lumora-energy.com) and our financial education services. By accessing our website or using our services, you agree to be bound by these Terms.
Lumora Energy Ltd ("we", "us", "our") is a company registered in England and Wales (Company No. 12847356) with registered office at Unit 14, The Custard Factory, Gibb Street, Digbeth, Birmingham B9 4AA.
2. Use of Our Website
2.1 Access
Access to our website is permitted on a temporary basis. We reserve the right to withdraw or amend the service we provide on our website without notice.
2.2 Acceptable Use
You agree to use our website only for lawful purposes. You must not:
- Use our website in any way that breaches applicable local, national, or international law
- Use our website to transmit unsolicited advertising or promotional material
- Attempt to gain unauthorised access to our website, servers, or databases
- Use automated systems or software to extract data from our website
- Interfere with or disrupt the integrity of our website
2.3 Account Registration
Where services require account registration, you agree to provide accurate, complete, and current information. You are responsible for maintaining the confidentiality of your account credentials.
3. Our Services
3.1 Service Description
Lumora Energy provides financial education programmes for children and teenagers, including workshops, courses, and school partnership programmes. Detailed descriptions of our services are available on our Services page.
3.2 Booking and Payment
Bookings are subject to availability. Prices are displayed in GBP and include VAT where applicable. Payment is required at the time of booking unless alternative arrangements are agreed in writing.
3.3 Cancellation Policy
- Cancellations made more than 7 days before the session: Full refund
- Cancellations made 3-7 days before the session: 50% refund
- Cancellations made less than 3 days before the session: Credit for future sessions only
- No-shows without prior notice: No refund or credit
We reserve the right to cancel or reschedule sessions due to circumstances beyond our control. In such cases, you will be offered a full refund or alternative date.
3.4 Service Delivery
We endeavour to deliver services as described. However, we reserve the right to make reasonable changes to programme content to improve educational outcomes or adapt to group needs.
4. Intellectual Property
4.1 Our Content
All content on this website, including text, graphics, logos, images, and software, is the property of Lumora Energy or our content suppliers and is protected by UK and international copyright laws.
4.2 Limited Licence
You may view, download, and print pages from our website for your own personal, non-commercial use, subject to the following restrictions:
- You must not modify copies of any materials from our website
- You must not use any illustrations, photographs, or graphics separately from accompanying text
- You must acknowledge us as the source of the material
- You must not use any part of the content for commercial purposes without our express permission
4.3 Educational Materials
Materials provided during our educational programmes (workbooks, handouts, digital resources) are for personal use by enrolled students and their families. Reproduction or distribution is prohibited without written permission.
5. Parental and Guardian Responsibilities
When enrolling children in our programmes, parents or legal guardians agree to:
- Provide accurate information about their child
- Inform us of any relevant health conditions, learning needs, or allergies
- Ensure timely arrival and collection for sessions
- Support their child's learning between sessions where applicable
- Inform us promptly of any concerns about their child's experience
6. Safeguarding
We take safeguarding seriously. All our educators undergo enhanced DBS checks. We maintain comprehensive safeguarding policies in line with UK requirements for working with children. Our full safeguarding policy is available on request.
7. Limitation of Liability
7.1 Website Content
While we endeavour to ensure information on our website is accurate, we do not warrant that it is complete or error-free. We are not liable for any loss arising from reliance on information provided on this website.
7.2 Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or availability of these external sites.
7.3 Service Liability
Our educational programmes are intended for general financial literacy education. They do not constitute financial advice. We are not liable for any financial decisions made based on programme content.
7.4 Maximum Liability
To the fullest extent permitted by law, our total liability for any claims arising from our services shall not exceed the fees paid for the relevant programme or service.
8. Indemnification
You agree to indemnify and hold Lumora Energy harmless from any claims, damages, or expenses arising from your breach of these Terms or misuse of our services.
9. Data Protection
Your use of our website and services is also governed by our Privacy Policy and GDPR Policy, which explain how we collect, use, and protect personal information.
10. Changes to Terms
We may revise these Terms at any time by updating this page. Continued use of our website following changes constitutes acceptance of the revised Terms. Material changes will be communicated where possible.
11. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
12. Governing Law
These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.
13. Contact Information
For questions about these Terms, please contact us:
Lumora Energy Ltd
Unit 14, The Custard Factory
Gibb Street, Digbeth
Birmingham B9 4AA
Email: [email protected]