Terms of Use

Last updated: June 2026

These Terms of Use govern your access to and use of the meadow-lumen website and services. By accessing or using our website, you agree to be bound by these terms. If you do not agree with any part of these terms, you should not use our website or services.

1. Acceptance of Terms

By accessing this website, you accept these Terms of Use in full. If you disagree with these terms or any part of them, you must not use this website. Your continued use of the website following any changes to these terms constitutes acceptance of those changes.

2. Service Description

meadow-lumen provides financial education services through structured programmes, workshops, and individual consultations. Our services are educational in nature and do not constitute regulated financial advice, investment recommendations, or professional financial planning services.

3. Educational Nature of Services

All content and programmes provided by meadow-lumen are for educational purposes only. Participants should understand that:

• Information provided does not constitute personalized financial advice
• Educational content is general in nature and may not address specific individual circumstances
• Results and outcomes depend on individual application and circumstances
• We are not responsible for financial decisions made based on educational content
• Participants should consult qualified financial professionals before making significant financial decisions

4. Enrolment and Participation

When enrolling in programmes:

• You must provide accurate and complete information
• You are responsible for maintaining the confidentiality of any account credentials
• You must be at least 18 years of age to enroll
• Enrolment confirmations are subject to programme availability
• Payment terms and cancellation policies will be provided with specific programme details

5. Intellectual Property Rights

Unless otherwise stated, meadow-lumen owns the intellectual property rights for all material on this website and in our educational programmes. This includes:

• Course materials and handouts
• Website content and design
• Educational frameworks and methodologies
• Trademarks and branding

You may view, download, and print pages from the website for personal, non-commercial use only, subject to restrictions set out in these terms.

6. Restrictions on Use

You must not:

• Republish, redistribute, or reproduce material from this website or programmes
• Sell, rent, or otherwise commercialize content provided through our services
• Use content in a manner that infringes intellectual property rights
• Share programme materials with non-participants
• Use the website in any way that causes damage to the website or impairs availability
• Engage in data mining, scraping, or similar data collection activities
• Attempt to gain unauthorized access to any part of the website or systems

7. User-Generated Content

If you submit comments, questions, or other content through our website or during programmes:

• You grant us a non-exclusive license to use, reproduce, and publish such content
• Content must not be unlawful, offensive, defamatory, or infringe third-party rights
• We reserve the right to remove or edit user-generated content at our discretion
• You are responsible for the accuracy and legality of content you submit

8. Disclaimer of Warranties

Our website and services are provided "as is" without warranties of any kind, either express or implied. We do not warrant that:

• The website will be continuously available or error-free
• Educational content will meet specific individual needs or circumstances
• Application of learned principles will produce specific results
• Content is comprehensive or completely up to date

9. Limitation of Liability

To the fullest extent permitted by law, meadow-lumen shall not be liable for:

• Financial losses arising from educational content or programme participation
• Decisions made based on information provided through our services
• Indirect, consequential, or incidental damages
• Loss of profits, data, or business opportunities
• Events beyond our reasonable control

Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, fraud, or any liability that cannot be excluded by law.

10. Indemnification

You agree to indemnify and hold meadow-lumen harmless from any claims, losses, damages, liabilities, and expenses arising from your use of our website or services, your violation of these terms, or your infringement of third-party rights.

11. External Links

Our website may contain links to external websites not operated by us. We have no control over third-party content and accept no responsibility for their content, privacy practices, or availability. Inclusion of links does not imply endorsement.

12. Privacy

Your use of our website is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, and protect your information.

13. Modifications to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the website. Your continued use after changes constitutes acceptance of modified terms. We recommend reviewing these terms periodically.

14. Modifications to Services

We reserve the right to modify, suspend, or discontinue any aspect of our website or services at any time without prior notice. We shall not be liable for any modification, suspension, or discontinuance of services.

15. Termination

We may terminate or suspend your access to our website immediately, without prior notice, for any reason, including breach of these terms. Upon termination, your right to use the website ceases immediately.

16. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of England and Wales. Any disputes relating to these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

17. Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. Invalid provisions shall be replaced with valid provisions that most closely reflect the original intent.

18. Entire Agreement

These Terms of Use, together with our Privacy Policy and any additional terms provided for specific programmes, constitute the entire agreement between you and meadow-lumen regarding use of our website and services.

19. Contact Information

Questions or concerns about these Terms of Use should be directed to:

meadow-lumen Financial Education
47 Wellington Street
Leeds LS1 4JE
United Kingdom

Email: legal at meadow-lumen.com