Terms of Use

Last updated: May 6, 2026

Agreement to Terms

By accessing and using the Velocity Spark website (velocity-spark.com) and our services, you agree to be bound by these Terms of Use. If you disagree with any part of these terms, you may not access our website or use our services.

Use of Our Website

Permitted Use

You may use our website for lawful purposes only. You agree not to:

• Use the website in any way that violates any applicable law or regulation
• Transmit any harmful, threatening, abusive, or defamatory material
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the website or servers
• Collect or harvest any information from the website using automated means
• Impersonate any person or entity

User Accounts

If you create an account on our website:

• You are responsible for maintaining the confidentiality of your account credentials
• You are responsible for all activities that occur under your account
• You must notify us immediately of any unauthorized use of your account
• You must provide accurate and complete information

Services

Educational Services

Velocity Spark provides financial literacy education programs. Please note:

• Our services are educational in nature and do not constitute financial advice
• We do not provide personalized investment recommendations
• We are not licensed financial advisors or investment professionals
• Any financial decisions you make based on our educational content are your sole responsibility

Booking and Payments

• All bookings are subject to availability
• Prices are listed in GBP and may change without notice
• Payment is required to confirm your booking
• Refunds are handled on a case-by-case basis according to our cancellation policy

Cancellation Policy

• More than 7 days before session: Full refund
• 3-7 days before session: 50% refund
• Less than 3 days before session: No refund
• We reserve the right to cancel sessions due to unforeseen circumstances with a full refund

Intellectual Property

Ownership

All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of Velocity Spark or its content suppliers and is protected by copyright, trademark, and other intellectual property laws.

Limited License

You are granted a limited, non-exclusive, non-transferable license to access and use the website for personal, non-commercial purposes. You may not:

• Reproduce, duplicate, or copy material from the website
• Redistribute content from the website without permission
• Modify or create derivative works based on website content
• Use content for commercial purposes without written permission

Educational Materials

Materials provided during our sessions are for your personal use only. You may not:

• Share, sell, or distribute materials to third parties
• Use materials for commercial purposes
• Reproduce materials without permission

Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without any warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy, completeness, or reliability of content

Limitation of Liability

To the fullest extent permitted by law, Velocity Spark shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

• Your use or inability to use our services
• Any unauthorized access to or use of our servers
• Any interruption or cessation of transmission to or from our website
• Any bugs, viruses, or similar that may be transmitted through our website by any third party

Indemnification

You agree to indemnify and hold harmless Velocity Spark, its officers, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising out of your use of our website or services, or your violation of these Terms of Use.

Third-Party Links

Our website may contain links to third-party websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites.

Privacy

Your use of our website is also governed by our Privacy Policy. Please review our Privacy Policy to understand our practices.

Changes to Terms

We reserve the right to modify these Terms of Use at any time. We will notify you of any changes by posting the new Terms of Use on this page and updating the "Last updated" date. Your continued use of the website after any changes constitutes acceptance of the new terms.

Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions.

Dispute Resolution

Any disputes arising out of or relating to these Terms of Use or our services shall be resolved through:

1. Good faith negotiations between the parties
2. If negotiations fail, mediation in Leeds, United Kingdom
3. If mediation fails, the courts of England and Wales shall have exclusive jurisdiction

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 so that these Terms of Use shall otherwise remain in full force and effect.

Entire Agreement

These Terms of Use, together with our Privacy Policy and any other legal notices published on this website, constitute the entire agreement between you and Velocity Spark concerning your use of the website and services.

Contact Information

If you have any questions about these Terms of Use, please contact us:

Velocity Spark
42 Wellington Street
Leeds LS1 2EE
United Kingdom
Email: [email protected]