Terms of Use

Last updated: May 14, 2026

Agreement to Terms

By accessing and using the Cambridge Youth Finance Academy website (smooth-berry.com) and services, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you should not use our website or services.

Service Description

Cambridge Youth Finance Academy provides educational programmes focused on financial literacy for children and teenagers aged 7-17. Our services include group courses, intensive workshops, one-to-one mentoring, and family programmes delivered in Cambridge, United Kingdom.

Enrollment and Payment

Enrollment Process

Enrollment in our programmes is subject to availability and requires:

• Completion of the enrollment form by a parent or legal guardian
• Confirmation of availability from Cambridge Youth Finance Academy
• Payment of the programme fee
• Acceptance of these Terms of Use and our policies

Payment Terms

• Programme fees must be paid before the first session unless alternative arrangements have been agreed in writing
• Prices are stated in British Pounds (£) and include VAT where applicable
• Payment plans may be available for certain programmes upon request
• We reserve the right to modify programme prices with reasonable notice

Cancellation and Refunds

• Cancellation by You: If you cancel more than 14 days before the programme start date, you will receive a full refund minus a £25 administrative fee. Cancellations made less than 14 days before the start date are non-refundable unless we can fill your place from our waiting list.
• Cancellation by Us: If we must cancel a programme, you will receive a full refund or the option to transfer to an alternative session
• Missed Sessions: Fees for individual missed sessions are non-refundable, though we provide materials for any missed content
• Programme Changes: We reserve the right to modify programme schedules, instructors, or content. Significant changes will be communicated in advance

Participant Behavior and Conduct

Expected Conduct

Students are expected to:

• Attend sessions punctually and participate actively
• Treat instructors and fellow participants with respect
• Follow instructions and programme guidelines
• Maintain appropriate behavior during sessions

Discipline

We reserve the right to remove any participant from a programme without refund if their behavior is disruptive, disrespectful, or harmful to others. Such decisions will only be made after appropriate warnings and consultation with parents/guardians.

Intellectual Property

Our Content

All content on our website and in our programmes, including text, graphics, logos, designs, course materials, and educational resources, is the property of Cambridge Youth Finance Academy and protected by copyright law.

You may not:

• Reproduce, distribute, or create derivative works from our materials without written permission
• Use our content for commercial purposes
• Remove copyright or proprietary notices

Programme Materials

Educational materials provided during programmes are for personal use only and may not be shared, distributed, or used for commercial purposes.

Liability and Disclaimers

Educational Purpose

Our programmes provide general financial education and are not a substitute for professional financial advice. We do not provide personalized investment, tax, or legal advice.

Limitation of Liability

To the fullest extent permitted by law, Cambridge Youth Finance Academy shall not be liable for:

• Any indirect, incidental, or consequential damages
• Loss of profits, data, or opportunities
• Damages arising from use or inability to use our services
• Outcomes resulting from application of learned concepts

Our total liability shall not exceed the amount paid for the specific programme giving rise to the claim.

Insurance and Safety

We maintain appropriate insurance coverage for our operations. Parents/guardians are responsible for ensuring their children have adequate personal insurance and medical coverage.

Safeguarding and Child Protection

We are committed to safeguarding children and young people. All our staff undergo appropriate background checks and safeguarding training. We maintain policies and procedures in accordance with UK safeguarding requirements.

Any safeguarding concerns should be reported immediately to our designated safeguarding lead.

Privacy and Data Protection

Our collection and use of personal information is governed by our Privacy Policy and GDPR Information page. By using our services, you consent to our data practices as described in those policies.

Website Use

Permitted Use

You may use our website for legitimate purposes related to learning about and enrolling in our programmes. You agree not to:

• Use automated systems to access the website
• Attempt to gain unauthorized access to any systems or data
• Transmit viruses, malware, or harmful code
• Collect user information without consent
• Interfere with website functionality or security
• Violate any applicable laws or regulations

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of external sites. Your use of third-party websites is at your own risk.

Communications

By providing your email address, you consent to receive:

• Programme-related communications and updates
• Administrative notices and policy changes
• Responses to your inquiries

You may opt out of non-essential communications at any time by contacting us or using unsubscribe links in emails.

Photography and Recordings

We may take photographs or recordings during sessions for documentation, training, or promotional purposes. We will obtain explicit parental consent before using any images featuring identifiable children in public-facing materials.

Complaints and Disputes

Complaint Process

If you have concerns about our services:

1. Contact us via email at [email protected] with details of your concern
2. We will acknowledge receipt within 2 business days
3. We will investigate and respond within 10 business days
4. If you're not satisfied with our response, you may request escalation to senior management

Governing Law

These Terms of Use are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Force Majeure

We shall not be liable for any failure or delay in performing our obligations due to circumstances beyond our reasonable control, including natural disasters, pandemics, strikes, government actions, or technical failures.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms of Use, together with our Privacy Policy and other referenced policies, constitute the entire agreement between you and Cambridge Youth Finance Academy regarding use of our services.

Changes 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. Continued use of our services after changes constitutes acceptance of the modified terms.

Significant changes will be communicated via email to enrolled participants.

Contact Information

For questions about these Terms of Use or any aspect of our services:

Cambridge Youth Finance Academy
17 Mill Lane
Cambridge CB2 1RX
United Kingdom
Email: [email protected]

Acknowledgment

By enrolling in our programmes or using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.