Terms and Conditions

1. Definitions

In these Terms and Conditions:

“Clarity Financial Training Ltd”, “Clarity FT”, “we”, “our” or “us” means Clarity Financial Training Ltd.

“You”, “your”, “student”, “customer”, “applicant” or “candidate” means the individual purchasing or using our training services or digital products.

“Training Services” means classroom courses, live webinars, in-house training, one-to-one tuition, distance learning products, online resources and other training services supplied by Clarity Financial Training Ltd.

“Digital Content” means recorded training, online learning resources, mock examinations, online tools, downloadable resources and other digital materials supplied by Clarity Financial Training Ltd.

“Awarding Body” means the organisation responsible for the relevant professional qualification, examination, assessment or certification.

2. About Clarity Financial Training Ltd

Clarity Financial Training Ltd provides professional financial services training and learning resources, including training and study support for CeMAP, DiPFA and CeRER qualifications.

We are an LIBF Accredited Learning Support Provider.

We aim to help students prepare for their professional qualifications by providing professionally developed training materials, experienced tutors, exam-focused tuition and supporting learning resources.

While every reasonable effort is made to help students prepare for their assessments, examination results ultimately depend on each student’s preparation, knowledge and performance.

Where we advertise a Pass Guarantee, this relates to the additional training and resit support described in these Terms and does not constitute a guarantee that an individual student will pass an examination or assessment.

3. Website Content

We take reasonable care to ensure that information published on our website is accurate and up to date.

However, errors or omissions may occasionally occur. We reserve the right to correct errors and update course information, content, dates and pricing before a purchase is completed.

Online calculators, learning tools and educational resources provided by Clarity FT are for educational and study purposes only and must not be relied upon when making personal financial, investment, legal or taxation decisions.

Our website may contain links to third-party websites. These are provided for convenience and information only. Clarity Financial Training Ltd is not responsible for the content, availability, security or practices of third-party websites.

4. Training Services and Digital Products

Descriptions of our courses, distance learning products, digital content and learning resources are provided on our website.

We reserve the right to make reasonable changes to course content and learning materials where necessary, including changes required because of amendments to:

• qualification syllabuses;
• examinations or assessments;
• taxation;
• legislation;
• regulation; or
• awarding-body requirements.

Where an awarding body makes changes outside our control, we may also make reasonable changes to the structure or delivery of affected training.

Where customers purchase online mock assessments through the Clarity FT website, access may be provided through our separate Mock Quiz Expert platform. Use of that platform is also subject to the applicable Mock Quiz Expert Terms and Conditions provided before purchase.

We use reasonable endeavours to maintain the availability of our online services. However, uninterrupted access cannot be guaranteed and services may occasionally be unavailable because of maintenance, security updates, technical issues or circumstances outside our reasonable control.

5. Awarding-Body Registration and Examinations

Unless expressly stated otherwise, Clarity FT course fees do not include awarding-body registration or examination fees.

Students are responsible for registering for their qualification and assessments with the relevant awarding body and for paying any applicable registration, examination, assessment or resit fees.

Examinations, assessments, results and certification are administered by the relevant awarding body and are outside the direct control of Clarity Financial Training Ltd.

Students are responsible for ensuring that they understand and comply with the awarding body’s current registration requirements, assessment procedures, identification requirements and examination rules.

Clarity FT cannot accept responsibility for changes made by an awarding body to examination dates, assessment formats, syllabuses, qualification structures, registration requirements, fees or other matters outside our reasonable control.

6. Student Responsibilities

Students are responsible for:

• attending scheduled training sessions where applicable;
• arriving or logging in promptly for scheduled training;
• following reasonable tutor guidance and recommended study plans;
• undertaking appropriate private study and revision;
• ensuring suitable internet access and equipment for online learning;
• safeguarding their belongings while attending classroom courses;
• complying with venue health and safety requirements; and
• using Clarity FT materials solely for their own personal study.

Students must not copy, reproduce, distribute or share Clarity FT training materials without our prior written permission.

When attending live online training, students are responsible for ensuring that their equipment, internet connection, microphone and any required software are tested and working before the session begins.

Students must not use AI meeting assistants, AI notetakers, automated transcription services or recording tools during any live training session without the prior written consent of Clarity Financial Training Ltd.

7. Payment

Payment may be made using the payment methods advertised on our website.

Full payment must be received before attendance on a course or access to online learning resources is granted unless otherwise agreed by Clarity FT.

A course place is only confirmed once full payment, or any agreed deposit, has been received.

We reserve the right to withdraw promotional offers or amend prices before payment has been completed.

Once payment has been accepted, the agreed purchase price will not be changed.

Where a package includes more than one course, all courses included within the package must be attended within 12 months for CeMAP packages and 18 months for DiPFA packages, calculated from the commencement date of the first course taken.

Any courses not attended within the applicable period will expire and no refund or credit will be provided for unused courses.

8. Prices

All prices displayed on our website are shown in Pounds Sterling (£).

Prices may be amended at any time before payment is received. Once payment has been accepted, the agreed purchase price will not be changed.

Unless expressly stated otherwise, course prices do not include awarding-body registration, examination or assessment fees.

10. Customer Cancellations, Transfers and Non-Attendance

If you wish to cancel or transfer your booking, you should contact Clarity FT as soon as reasonably practical.

Requests to transfer to another course date are subject to availability and will only be confirmed once Clarity FT has provided confirmation.

Where there are insufficient fee-paying students booked onto the requested alternative course, Clarity FT may be unable to approve the transfer.

Students who fail to attend a booked course without cancelling or agreeing a transfer in advance will not normally be entitled to a refund or alternative course date.

Where a student arrives late, leaves early or misses a significant part of a course, this may affect their eligibility for the Pass Guarantee or free resit training.

11. Course Cancellation or Changes by Clarity FT

Where Clarity Financial Training Ltd cancels a scheduled course and does not provide the same training on the scheduled dates, customers will normally be offered:

• an alternative course date; or
• a refund of the affected course fee.

If there are insufficient fee-paying students to run a classroom course, Clarity FT reserves the right to deliver the course via live webinar on the same scheduled dates.

We may also make reasonable changes to tutors, training rooms or venues where necessary.

Our main classroom training centre is in Potters Bar, Hertfordshire, with Enfield available as an alternative training location for selected courses. Students will be informed of the location applicable to their booked course.

Customers should ensure that accommodation and travel arrangements are booked on a flexible or refundable basis. Clarity FT cannot accept responsibility for accommodation, travel or other associated costs resulting from reasonable course changes or cancellation.

12. Live Webinar Training and Technical Requirements

Live webinar courses are delivered online using the platform specified by Clarity FT.

Students are responsible for having a suitable device, reliable internet connection and any equipment required to participate.

Clarity FT cannot accept responsibility where a student is unable to participate because of problems with their own internet connection, equipment, software or technical setup.

Where a significant technical failure within Clarity FT’s reasonable control prevents us from delivering a substantial part of the scheduled training, we will take reasonable steps to provide the affected training or an appropriate alternative.

13. Distance Learning

Distance learning materials are supplied for personal study.

Unless a different access period is clearly stated on the relevant product or booking page:

• individual distance learning modules are provided with three months’ access; and
• eligible packaged distance learning courses are provided with 12 months’ access.

Access begins from the date the digital learning materials are made available to the student.

Students are responsible for completing their studies within the applicable access period.

Where printed course materials have been purchased, replacement copies or updated editions may be subject to an additional charge.

Clarity FT reserves the right to update or amend distance learning content where necessary to reflect changes to taxation, legislation, regulation, qualification syllabuses or assessment requirements.

13.1 Email and Ask a Tutor Support

Where email or Ask a Tutor support is included with a course, it is provided subject to a fair use policy.

Fair use means reasonable levels of communication directly relating to the course content being studied.

Clarity FT reserves the right to restrict or withdraw support where it is used excessively, inappropriately or for matters unrelated to the purchased course.

Support remains available for the period advertised with the relevant course or until the student successfully completes the relevant qualification, whichever occurs first.

14. Printed Course Materials and Delivery

Where printed course materials are included or purchased separately, students are responsible for providing a complete and accurate delivery address.

Clarity FT cannot accept responsibility for delays or losses resulting from an incorrect or incomplete delivery address supplied by the customer.

Students should contact us promptly if expected materials have not been received.

Where replacement materials are required because incorrect delivery information was supplied, additional printing and postage charges may apply.

15. Pass Guarantee and Course Resit Policy

The Clarity FT Pass Guarantee is designed to provide eligible students with additional training support if they are unsuccessful in their assessment.

The Pass Guarantee does not guarantee examination success. It provides qualifying students with the opportunity to attend the relevant training course again without paying an additional tuition fee.

The Pass Guarantee applies only to eligible classroom and live webinar courses, unless expressly stated otherwise at the time of purchase.

To qualify, students must:

• have attended the original eligible course in full;
• have sat the relevant examination or assessment;
• provide evidence of an unsuccessful result if requested;
• request and attend their repeat training within 12 months of the original course; and
• comply with these Terms and Conditions.

Repeat course places are subject to availability and sufficient numbers of fee-paying students attending the relevant course.

Where appropriate, the repeat training may be provided by live webinar, including where the original course was attended in a classroom.

Students who book a repeat course and fail to attend without reasonable notice may lose their entitlement to further free repeat training.

Where a syllabus, taxation rules, legislation, regulation or course materials have changed since the student’s original course, a reasonable charge may be made for new or updated materials.

Where a qualification or course has been discontinued or materially changed by the awarding body, Clarity FT will use reasonable endeavours to provide appropriate support but cannot guarantee that the original course will continue to be available.

Where coursework forms part of a qualification, Clarity FT may request evidence of an unsuccessful submission before approving attendance on any applicable resit support session.

The Pass Guarantee does not cover awarding-body examination, assessment, registration or resit fees.

16. In-House Training

In-house training is available subject to minimum student numbers, location, tutor availability and agreement of the applicable quotation.

The organisation booking the training is responsible for providing an appropriate training environment unless otherwise agreed.

Any additional travel, accommodation or venue costs applicable to in-house training will be agreed before the booking is confirmed.

17. One-to-One Tuition

One-to-one tuition is designed primarily to provide focused support on specific topics requested by the student.

The duration and content of the session will be agreed before or at the commencement of the tuition.

Specific course materials are not automatically included with one-to-one tuition and may be available at an additional cost.

18. Intellectual Property

All training materials, course manuals, presentations, videos, recordings, assessments, mock examinations, documents, graphics, branding, software and website content remain the intellectual property of Clarity Financial Training Ltd.

Materials are protected by the Copyright, Designs and Patents Act 1988 and other applicable intellectual property laws.

Upon purchase, students are granted a limited, non-exclusive and non-transferable licence to use the applicable materials solely for their own personal study.

Students must not:

• copy, reproduce or distribute our materials;
• share their account or allow another person to access purchased content;
• photograph, screenshot, screen-record or otherwise capture our materials for unauthorised use or distribution;
• record live classroom or webinar training without written permission;
• upload our materials to websites, forums, social media or file-sharing services;
• upload our materials to artificial intelligence platforms or automated systems;
• use artificial intelligence, browser extensions, bots or automated software to extract, analyse or reproduce our content;
• use our materials to create competing training products, question banks or educational resources; or
• sell, rent, license or otherwise make our materials available to a third party.

These restrictions apply to all Clarity FT materials, including content accessed through the Mock Quiz Expert platform following purchase through Clarity FT.

Unauthorised use of our intellectual property may result in suspension or termination of access and may result in legal action.

19. Monitoring, Suspension and Termination of Access

To protect our intellectual property and maintain the security and integrity of our online services, Clarity FT may monitor account activity, usage patterns and relevant technical information associated with the use of our platforms, subject to applicable data protection laws.

Clarity FT reserves the right to suspend or permanently terminate access where appropriate if we reasonably believe that a user has:

• breached these Terms and Conditions;
• shared their account;
• copied, reproduced or distributed our materials without permission;
• used artificial intelligence or automated software to extract or reproduce our content;
• engaged in abnormal or excessive activity reasonably suggesting unauthorised copying, automated access or misuse; or
• compromised the security, integrity or intellectual property of Clarity FT.

Where appropriate, we may investigate account activity before making a final decision.

Any suspension or termination under this section does not affect other legal rights or remedies available to Clarity Financial Training Ltd.

20. Circumstances Outside Our Reasonable Control

Clarity Financial Training Ltd will not be responsible for delay or failure to provide a service where this results from circumstances outside our reasonable control.

These may include severe weather, transport disruption, power or telecommunications failure, widespread internet or technology outages, venue closure, fire, flood, epidemic or pandemic, government restrictions or other exceptional circumstances.

Where such circumstances affect a scheduled course, we will take reasonable steps to minimise disruption and may offer an alternative date, venue or method of delivery where appropriate.

Nothing in this section affects any statutory rights that cannot lawfully be excluded.

21. Limitation of Liability

Clarity Financial Training Ltd takes reasonable care in providing its Training Services and Digital Content.

To the fullest extent permitted by law, Clarity FT shall not be liable for indirect or consequential losses arising from the use of our services.

We do not guarantee:

• examination or assessment success;
• completion of a professional qualification;
• employment, interviews or career opportunities;
• any particular salary or level of earnings; or
• regulatory authorisation or professional competence status.

Nothing in these Terms excludes or limits liability where it would be unlawful to do so, including any consumer rights or liabilities that cannot lawfully be excluded under the laws of England and Wales.

22. Privacy

Clarity Financial Training Ltd is committed to protecting your privacy.

Personal information is processed in accordance with the UK General Data Protection Regulation (UK GDPR), Data Protection Act 2018 and our Privacy Policy.

Further information about how we collect, use and protect personal information is provided in our Privacy Policy published on our website.

23. Complaints

We aim to provide high-quality training and customer service.

If you are dissatisfied with any aspect of our service, please contact us so that we have an opportunity to investigate and resolve the matter.

Complaints may be submitted using the Contact Us form on our website or in writing to:

Clarity Financial Training Ltd
Suite 29
The Enterprise Centre
Cranborne Road
Potters Bar
Hertfordshire
EN6 3DQ

We will acknowledge complaints promptly and aim to provide a response within a reasonable timeframe.

24. Changes to These Terms and Conditions

We may amend these Terms and Conditions from time to time to reflect changes to our services, legislation, regulation, technology or business practices.

The Terms and Conditions applicable to a purchase will normally be those in force at the time the purchase is completed.

Changes published after a purchase will not retrospectively alter the material contractual terms of that purchase unless:

• the change is required by law or regulation;
• it is necessary because of an awarding-body or qualification change; or
• the customer expressly agrees to the change.

Updated Terms and Conditions will apply to future purchases from the date they are published on our website.

25. Severability

If any provision of these Terms and Conditions is found by a court or other competent authority to be invalid, unlawful or unenforceable, that provision will be treated as removed or limited to the extent necessary.

The remaining provisions will continue to apply.

26. Entire Agreement

These Terms and Conditions, together with any applicable booking information, product description, Pass Guarantee conditions and policies expressly referred to within them, form the agreement between the customer and Clarity Financial Training Ltd in relation to the purchased services.

Nothing in this section limits any rights a consumer has under applicable law.

27. Governing Law

These Terms and Conditions are governed by and interpreted in accordance with the laws of England and Wales.

Any dispute arising from these Terms and Conditions or use of our services will be subject to the jurisdiction of the courts of England and Wales, subject to any statutory consumer rights relating to jurisdiction.

Last Revised: 29th August 2026