Terms and conditions
logo
Terms and conditions

Consumers

The Website is offered to you conditional on your agreement with these terms and conditions (the “Terms and Conditions”) and your continued use of it signifies agreement with them in their entirety.

Please read this carefully as it affects your legal rights and sets out in these Terms and Conditions on which we, ITA will allow you to use this website (the “Website”, which for the avoidance of doubt includes any Restricted area which is accessed by Members, registered users or subscribers) and the information contained within it.

All goods and services sold by, (which also includes those provided free of charge to customers from time to time), whether purchased online through the Website or offline by telephone or paper order, shall be and are subject to these Terms and Conditions and any reference to purchasing goods and services on the Website shall refer in equal measure to any such goods or services purchased offline.

Purchasing Goods and Services

We offer the opportunity to purchase certain goods and services on the Website and Offline, including applications, registrations and payment for examinations, assessments, study materials and courses. “Offline” refers to brochures and other printed publications produced by the from time to time. Please review all the information which you intend to submit before you make payment. By submitting this information, you confirm that all of it is accurate, true, and complete.

If we accept your offer and agree to enter a contract with you, we will keep a record of the transaction for a period of 6 years.

Price

The Price means the price for the goods or services, inclusive of VAT. Prices quoted on our Website and Offline are in pound sterling. Prices quoted in other currencies are for information only. Goods and services must be paid in pound sterling. ITA will not accept liability for any local taxes or charges, including currency conversion charges applied by your bank or payment processor. Where relevant, standard delivery charges will be applied at the checkout (for web purchases) and are detailed on the relevant application form (for Offline purchases). Expedited deliveries may incur additional postage charges which will be communicated and agreed in advance between us.

Payment

When you offer to purchase any goods or services from us Offline, by telephone, by paper application form or on the Website by clicking the ‘Submit’ button, you agree to these Terms and Conditions. By completing and submitting the paper application form / electronic order form or ordering by telephone, you are making an offer to purchase goods or services which, if accepted by us, will result in a binding contract. We reserve the right to refuse your order, in which case you will be notified accordingly.

The Price, in pound sterling, may be paid by credit or charge/debit card (some paper orders and overseas orders are paid by cheque or bankers draft). The Price will be deducted from your card if and when we have accepted your order. If your order is not accepted by us we will inform you.

Cancellation and Termination

In accordance with The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 you have a right of cancellation in respect of the goods and services sold, which right shall (subject to the Regulations) expire fourteen calendar days from the day on which either the goods are received by you, or a person nominated to receive the goods on your behalf, or your order for services is accepted.

If you wish to cancel, you must notify Customer Services by email. Where goods have been supplied to you prior to such cancellation they must be returned to us, in the condition in which they were supplied to you, at your expense. Reimbursement for any monies paid by you, including standard delivery costs, which relate to the cancellation will be sent to you within fourteen days of receiving the notice of cancellation or if goods are to be returned to us, within fourteen days of their receipt or proof of sending.

Note: No right of cancellation or refund is available in respect of ebooks or any other electronic download of the goods and services once the download has started. You acknowledge that, by commencing the download of the goods or services, your right to cancel under 29(1) of the Regulations will be lost.

Any request for entry to an exam received less than 14 days before the exam date shall be treated as express consent to provide a service. This express consent will also be treated as formal acknowledgement by you that your rights to cancellation under Regulation 29(1) of the Regulations will be lost upon receipt of your application form.

In the event of less than fourteen days’ notice of cancellation being given in respect of an entry for an exam sat online, and if, where applicable, is unable to recover costs suffered as a result of such short notice cancellation, then the can recover these costs from you.

We may (at our option) suspend performance of the services or terminate the contract at any stage if it appears to us that you have not complied with these Terms and Conditions.

Forse Majeure

We reserve the right to cancel, suspend or vary the operation of our obligations to you if events occur which are beyond the reasonable control of , including (but without prejudice to the generality of the foregoing) fire, flood, storms, plant breakdown, strikes, lock outs, riot, hostilities, non-availability of material or suppliers or any other event outside our control; and we shall not be held liable for any breach of contract or in tort resulting from such an event.

We will not be liable for any loss, damage, expense, costs, delays or other liability whatsoever (including without limitation any financial losses such as loss of profit) which you may incur as a result of any event beyond our reasonable control (including without limitation any failure of transmission, communication, computer or other facilities or your inability to access the Website for any reason or any failure, error or delay in the sending or receiving of any notice or communication or instruction through the post or any electronic medium).

Warranties and Liability

We will perform any services with reasonable skill and care. Except as otherwise provided in these Terms and Conditions, and except where goods or services are sold to a person dealing as a consumer (within the meaning of the Unfair Contract Terms Act 1977), all warranties, representations and undertakings, whether express or implied, statutory or otherwise, including but not limited to warranties of satisfactory quality, accuracy, fitness for a particular purpose and of non-infringement of the rights of a third party, are hereby excluded to the fullest extent permitted by law. Where goods or services are sold to a person dealing as a consumer, nothing in these Terms and Conditions shall affect his or her statutory rights.

Our liability (if any) under these Terms and Conditions in respect of any defect in the goods or services or of any duty owed to you under these Terms and Conditions will be limited to the Price paid by you or if lower, the amount available under any responding insurance policy.

Nothing within these Terms and Conditions operates to exclude, limit or restrict our liability for death or personal injury.

Limitation of Liability and Disclaimers

We do our best to ensure that the information on the Website and our Offline publications are accurate and helpful at all times. However, we cannot ultimately warrant the accuracy of that information and cannot be held liable for any use you make or reliance you place on it, except as specifically agreed with us in any further agreement we may make with you in writing.

The information provided, is general in nature, and is not intended as expert advice, nor as a guide to insurance, risk or financial services for consumers. It is not a substitute for advice provided by a Financial Adviser or other suitably qualified professional. You are advised to consult with a Financial Adviser or other suitably qualified professional and to check product information for full details, changes and new information regarding any insurance or financial services product. No claims or endorsements are made for any insurance or financial services product and the editor and publisher disclaim liability for the accuracy of the information contained therein or any consequences of any use or misuse of it to the fullest extent permitted by law.

You will indemnify against any and all claims, damages, losses, liabilities and costs arising from and in connection with your use and/or abuse of the Website or your breach of these Terms and Conditions.

Any link (be it a hyperlink or other referral device) either described in an Offline publication or used on the Website (including any Restricted area) is provided solely for the use and convenience of the visitor. The link does not represent any endorsement or recommendation by us and does not mean that we have any association with the linked website. We are not responsible for the content of any websites that have links either to or from the Website or for the legal consequences of your entering into any contracts with the third parties that have these linked websites and we do not accept any liability for any loss, damage, expense, costs or liability whatsoever incurred by you as a result.

Access to, and use of, the Website is at your own risk and we do not warrant that the use of the Website or any material downloaded from it will not cause damage to any property, including but not limited to loss of data or computer virus infection.

Privacy Policy

This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data. We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms and Conditions.

Definitions

Personal Data

Personal Data means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).

Usage Data

Usage Data is data collected automatically either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).

Cookeis

Cookies are small pieces of data stored on your device (computer or mobile device).

Data Controller

Data Controller means the natural or legal person who (either alone or jointly or in common with other persons) determines the purposes for which and the manner in which any personal information are, or are to be, processed. For the purpose of this Privacy Policy, we are a Data Controller of your Personal Data.

Data Processors (or Service Providers)

Data Processor (or Service Provider) means any natural or legal person who processes the data on behalf of the Data Controller. We may use the services of various Service Providers in order to process your data more effectively.

Data Subject (or User)

Data Subject is any living individual who is using our Service and is the subject of Personal Data.

Information Collection and Use

We collect several different types of information for various purposes to provide and improve our Service to you.

Types of Data Collected

Personal Data

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally, identifiable information may include, but is not limited to:

  • Email address
  • First name and last name
  • Phone number
  • Address, State, Province, ZIP/Postal code, City
  • Cookies and Usage Data

We may use your Personal Data to contact you with newsletters, marketing and promotional materials and other information that may be of interest to you. We may also contact you with new career opportunities listed on our site, this will be agreed upon in advance. You may opt out of receiving any, or all, of these communications from us by contacting us.

Usage Data

We may also collect information how the Service is accessed and used (“Usage Data”). This Usage Data may include information such as your computer’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

Tracking Cookies Data

We use cookies and similar tracking technologies to track the activity on our Service and hold certain information.

Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyse our Service.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

Examples of Cookies we use:

  • Session Cookies. We use Session Cookies to operate our Service;
  • Reference Cookies. We use Preference Cookies to remember your preferences and various settings;
  • Security Cookies. We use Security Cookies for security purposes.

Use of Data

  • To provide and maintain our Service;
  • To notify you about changes to our Service;
  • To allow you to participate in interactive features of our Service when you choose to do so;
  • To provide customer support;
  • To gather analysis or valuable information so that we can improve our Service;
  • To monitor the usage of our Service;
  • To detect, prevent and address technical issues;
  • To provide you with news, special offers and general
    information about other goods, services, and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information.

Retention of Data

We will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

We will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer time periods.

Transfer of Data

Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.

If you are located outside United Kingdom and choose to provide information to us, please note that we transfer the data, including Personal Data, to United Kingdom and process it there.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Disclosure of Data

Disclosure for Law Enforcement

Under certain circumstances, we may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g., a court or a government agency).

Legal Requirements

We may disclose your Personal Data in the good faith belief that such action is necessary to:

  • To comply with a legal obligation;
  • To protect and defend the rights or property of Clarity Financial Training Ltd;
  • To prevent or investigate possible wrongdoing in connection with the Service;
  • To protect the personal safety of users of the Service or the public;
  • To protect against legal liability.

Security of Data

The security of your data is important to us but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

Your Data Protection Rights Under General Data Protection Regulation (GDPR)

If you are a resident of the European Economic Area (EEA), you have certain data protection rights. We aim to take reasonable steps to allow you to correct, amend, delete, or limit the use of your Personal Data.

f you wish to be informed what Personal Data, we hold about you and if you want it to be removed from our systems, please contact us.

In certain circumstances, you have the following data protection rights:

  • The right to access, update or to delete the information we have on you. Whenever made possible, you can access, update or request deletion of your Personal Data directly within your account settings section. If you are unable to perform these actions yourself, please contact us to assist you;
  • The right of rectification. You have the right to have your information rectified if that information is inaccurate or incomplete;
  • The right to object. You have the right to object to our processing of your Personal Data.
  • The right of restriction. You have the right to request that we restrict the processing of your personal information;
  • The right to data portability. You have the right to be provided with a copy of the information we have on you in a structured, machine-readable and commonly used format;
  • The right to withdraw consent. You also have the right to withdraw your consent at any time where We relied on your consent to process your personal information.

Please note that we may ask you to verify your identity before responding to such requests.

You have the right to complain to a Data Protection Authority about our collection and use of your Personal Data. For more information, please contact your local data protection authority in the European Economic Area (EEA).

Service Providers

We may employ third party companies and individuals to facilitate our Service (“Service Providers”), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.

These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Analytics

We may use third-party Service Providers to monitor and analyze the use of our Service.

Google Analytics

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.

You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity.

Payments

We may provide paid products and/or services within the Service. In that case, we use third-party services for payment processing (e.g. payment processors).

We will not store or collect your payment card details. That information is provided directly to our third-party payment processors whose use of your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, Mastercard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of payment information.

Children’s Privacy

Our Service does not address anyone under the age of 18 (“Children”).

We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Children has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the “effective date” at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Privacy Queries

If you have any questions regarding this policy, or you wish to update your details or remove your personal data from our records, please inform us using the facility on our website.