Terms & Conditions
Please read the following Terms and Conditions in order to avoid any misunderstanding. Applicants must read the T&C’s before they enrol. Clarity Financial Training Ltd will take no responsibility for failing to do so.
Where it says ‘we’, ‘our’, ‘us’ ‘Clarity’ or ‘Clarity FT’, it will mean the organisation Clarity Financial Training Ltd.
‘You’, ‘yours’, “client,” “applicant” ” candidate” or ‘student’ will mean the person who has requested to enrol himself/herself on the course.
2. Clarity Financial Training Ltd
is totally committed to helping its students to achieve success in their chosen qualification within the shortest practical time. We pride ourselves on our levels of experience, knowledge, course material and expertise.
3. Website content
At Clarity FT, we have exercised considerable care in the design, production and presentation of this Web site (hereinafter referred to as “the Web site”) and in the inclusion and provision of the information. It must be noted in particular, the Web site may contain occasional errors or inaccuracies. Clarity FT endeavours, however, to ensure that such deficiencies are minimised.
On-line tools: The Online Tools are for the use of Clarity FT students and their studies. The accuracy of these tools should not be used to make financial decisions. Clarity Financial Training Ltd will not be liable to you or anyone else for any decision made or action taken in reliance on the information given by these online tools.
3.1 No Liability
Without prejudice, no liability shall attach to Clarity Financial Training Ltd for any information or material placed on or linked to the Web site by any party without prior written authorisation from Clarity Financial Training Ltd.
3.2 External sources of information and websites
At Clarity FT we occasionally provide information from other sources or websites, Clarity FT can make no representation or warranty as to the accuracy or completeness of such information, and hereby excludes and disclaims all terms, conditions and warranties, whether express or implied, whether statutory or otherwise, whether collateral or otherwise, as to the accuracy or completeness of such information.
At Clarity FT we have the necessary resources and staff with the appropriate knowledge, skills, and abilities to provide the training services offered. Notwithstanding, all training services are provided “as-is,” without a guarantee or warranty of any kind, either expressed or implied. At Clarity FT we endeavour to help all applicants to pass their qualifications, however it is not responsible for the employment performance of any student after attending a course.
5. Training Services
The content of all Clarity FT courses are outlined in the course descriptions available on our web site. However, we reserve the right to adjust the syllabus of any course at its sole discretion and without notice.
5.1 Limitation of Liability
Clarity Financial Training Ltd shall not be liable for any indirect, special, or consequential damages which may arise from its performance under this agreement. Your success lies in our success and we will try our best to prepare you for the exams and we expect you to do your best to achieve the results. However, we do not give any guarantee that you will pass, despite our best efforts.
Career opportunities information: Clarity Financial Training Ltd will not be liable to you or anyone else for any decision made or action taken in reliance on the information given by the service. Interested candidates must accept full responsibility when making any application and are expected to make their own checks before making any contact. Clarity Financial Training Ltd offer no guarantees that any application will be successful, and all submissions will be based on individual aptitude and merit.
5.2 Student Responsibility
You are responsible to ensure that:
- You follow your tutor’s guidance and follow minimum revision recommendations as outlined in the training course.
- You attend each training session at the set schedule and participate in training activities as directed by the tutor.
- You are responsible for ensuring the security of your belongings and possessions while attending the programme.
- The prices displayed on our web site are our training fees and do not include London Institute of Banking and Finance (LIBF) registration.
- You will make yourself aware of and adhere to the ‘ Wenta Enterprise Centre’ facility policies related to health, safety, security, and emergencies.
- You will not copy, in whole or in part, any copyrighted course material or Clarity FT course literature acquired during the course.
- Clarity FT reserves the right to refuse training or completion of a course if a student behaves inappropriately, the definition of inappropriate behaviour will be at Clarity FT’s discretion.
- When attending an on-line session you will take full precautions that all equipment is tested and works effectively before the session commences.
6. Payment Terms
We accept payment by PayPal, cheque, BAC’s transfer or cash. The price shall be as presented and needs to be paid in full a minimum of 10 days before the commencement of the training session, unless paying in cash on the day. Please be aware your place on the course is only guaranteed on receipt of full payment or a £100 deposit.
Payment must be paid in full and fully cleared before the applicant is able to attend the session
We reserve the right to withdraw special offers at any time unless we have confirmed your booking.
By reserving your place on the programme by cash, cheque, credit or debit card you fully accept our Terms and Conditions.
Any package deal course dates must be booked within 12 months of the invoice being paid.
7. Cancellation Policy
Since, in anticipation of scheduled courses being honoured, arrangements are made in advance, which cannot be cancelled at short notice. Clarity FT will endeavour to run all courses scheduled. Clarity FT however reserve the right to cancel a course if there are insufficient fee paying students due to attend (i.e. If only one student has booked). The following cancellation fees are applicable if alternative arrangements cannot be made. In the unlikely event applicant cancellations will be subject to the following conditions:
i) Where Clarity FT cancels a training course or an individual’s place on a training course, a full refund will be made to the applicant in question, unless alternative arrangements can be agreed upon.
ii) Classroom courses: Where Clarity FT cancels a classroom training course due to insufficient numbers we will endeavour to run the course over the same dates but via a live webinar. Please make sure if booking accommodation that you select the option to cancel without charge. Clarity FT will not be responsible for any costs incurred if the accommodation cannot be cancelled.
iii) Where an applicant cancels a pre-paid place on a training course and does not require an alternative session, the refund will be paid back in full if cancelled within 14 days of booking. If the course is due to commence within the next 14 days a refund cannot be granted, please be aware of this when booking.
Please note that the £100 deposit paid in advance to secure your place on any of our courses is non-refundable, regardless of cancellation period. Please be aware of this when booking.
8. Distance learning
Material provided for distance learning will be valid on receipt. We will endeavour to inform you of any imminent expiry of course material (namely during May) to avoid limited use. Replacement of material will be subject to an additional fee including postage and will reflect the original purchase date. Distance/learning students have 12 months to complete their studies.
8.1 Monthly blended/distance learning webinar
The monthly webinar is held on the last Wednesday of every month. It is available for 12 months or terminates sooner on passing your exam. Students must request a link to join each session.
8.2 E-Mail support
This is subject to a fair use policy, abuse of the service will result in the resource being withdrawn with no refund given. ‘Abuse’ relates to inappropriate use unrelated to the material and excessive emails out of normal expectations, this is subject to Clarity FT’s interpretation. Email support is available for 12 months or terminates sooner on passing your exam.
8.3 Delivery of material
Orders will normally be dispatched within 5-10 working days. If the material relates to the AFA it will be dispatched within 2.5 months of the coursework title release and before the ‘web session’ for the factfind. Normal postal times from dispatch are: 1-3 days, but please allow up to twenty-one days for delivery. We will always do our best to inform you about any delay. Please note postage is free anywhere in the UK, an additional postage charge will be added for locations outside the UK.
9. Course Resits
At Clarity FT we endeavour to make every effort during the studies to help the applicant to achieve a pass mark in the relevant examination. Our resit policy does not apply to distance learning. Clarity FT cannot guarantee that the applicant will pass the examination. The outcome of the examination depends on the students’ ability to retain information and levels of concentration during the course and the relevant examination. They must also submit coursework and attend the exam/s at the appropriate times, they must also follow all guidance in respect to the course content and literature provided; the Clarity FT resit policy does not apply if the student fails to do so. Publicised exam turnaround is for guidance only and has been achieved by exceptional students, the time frame should not be taken as an indication for all applicants.
9.1 In the unlikely event of failing the exam
the applicant can re-attend the same course during the 12 month period commencing on the date of the applicants first attendance on the course, subject to the following conditions:
- Resits are only offered to students that have sat their exam and failed. Proof may be required.
- Full fee’s are payable if the student wants to attend the same course for any other reason (Clarity FT will take discretion on this under certain circumstances, as defined by us)
- Resits must be completed within 12 months of the completion of the first course.
- Placement on courses is subject to availability of spaces and subject to enough fee paying students attending.
- A charge will be applied for new material.
- The resit does not apply to Distance learning.
- Note: If you fail to attend a scheduled resit, you will invalidate the terms and forfeit your ability to attend another session.
9.2 Resit of DipFA®, DipPP® or CeMAP Diploma coursework and/or Fact-find
In the event of a fail on either DipFA® AFA element (coursework or suitability report), DiPPP or CeMAP Diploma coursework element, Clarity FT reserve the right to ask for confirmation of the fail along with the registration details of the new resit date of the fact find exam and coursework submission.
10. Our Pricing policy
Clarity FT unconditionally reserves the right to alter its prices at any time before receiving payment for the services it provides, unless written confirmation of an agreed fee can be produced. In any event, such price alterations will always appear on the Web site and on the company’s literature in the first instance. Prices are in UK pounds (£) and are fully inclusive of all our costs.
11. Clarity FT materials and content
Clarity Financial Training Ltd have checked and verified that the information upon which all our materials, whether online or in hardcopy is accurate. However, on certain occasions certain inaccuracies may occur. Clarity Financial Training Ltd cannot accept any legal responsibility whatsoever for consequences that may arise from any errors or omissions within the materials. We endeavour, however, to ensure that such deficiencies are minimised and are duly corrected.
12. Intellectual property rights
All intellectual property rights owned by Clarity Financial Training Ltd relating to the content on this Web site are protected and remain the sole property of Clarity Financial Training Ltd.
12.1 Intellectual Property Rights of our materials and mocks
All courseware provided is the copyright of Clarity Financial Training Ltd. All rights reserved. Clarity FT create and provide all of our own study materials, assessments and mocks. All materials online and in hardcopy, including all assessments and mocks are for the intended student undertaking the course. On purchase of the course, students agree that no part of the materials may be reproduced, sold on, copied or used by any other person other than the original candidate booked onto the course. This will also apply to any other training provider. Any purchase, use, redistribution or reproduction of part or all of the contents in any form is prohibited. The Clarity FT materials are protected under UK Copyright Law in accordance with the provisions of the Copyright, Designs and Patents Act 1988.
12.2 Infographics exemptions:
- you may print or download to a local hard disk extracts for your personal and non-commercial use only
- you may copy the content to individual third parties for their personal use, but only if you acknowledge the website as the source of the material
- You may not, except with our express written permission, distribute or commercially exploit the content. Nor may you transmit it or store it in any other website or other form of electronic retrieval system.
13. Outsourcing and contractors
In all your dealings with Clarity Financial Training Ltd, its tutors or contractors, including though not limited to all communication effected through this Web site, you agree not to impersonate any other person or entity, or to use a false name or a name that you are not authorised to use.
14. Decline of our Services
Clarity Financial Training Ltd reserves the right to decline an application for its services, regardless of the method of making such an application, without giving a reason.
15. Termination of web based services
Web based training is intended for the payer only. Clarity FT have the right to terminate the session if it becomes apparent that there are other non-fee paying students listening to the session and making use of the material. The session will end immediately and there will be no refund. The material sent to support the session has the following disclaimer: No part of this document may be reproduced, used in conjunction with other training material or used by any other person without consent from the author Clarity financial Training Ltd.
Clarity FT aims to provide high quality services at all times. We strive to achieve this. If you feel we have not delivered a service to the standard anticipated, please let us know. In order to ensure our services remain at a high and improving standard, we have a procedure through which you can let us know of for any reason you are not satisfied with your dealings with us. If you are not happy with Clarity FT please tell us, we will provide a response as soon as possible.
If you have any cause for complaint, you may file it electronically via our Contact Us form or, alternatively, via the normal postal service to:
Clarity Financial Training Ltd
The Enterprise Centre
18. COVID 19 Classroom disclaimer
Clarity FT anticipate to run all class based courses. This is subject to all social distancing measures being lifted. If restrictions are reinforced or we believe that it is not safe to run a class based course we will run the course as a real time online webinar over the same dates. The course will not be cancelled. Please be aware of this when booking. Please make sure if booking accommodation that you select the option to cancel without charge. Clarity FT will not be responsible for any costs incurred if the accommodation cannot be cancelled.
19. Amendment to our Terms
We reserve the right to amend these Terms from time to time. If we do so, the updated version will be effective as soon as it is uploaded on to the Web Site. The date of the last revision to these Terms is provided at the end of the Terms. We recommend that you visit this page each time you visit the Website to ensure that you are aware of and are complying with any changes that we have made to these Terms. If you continue to use the Web Site you will be deemed to have accepted those changes from the point at which these changes come into effect.
Last Revised: 12th July 2023.