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Terms of Use

Last Updated: May 25, 2026

1. Acceptance of Terms

Welcome to dynamo-ridge.com. By accessing and using this website and our services, you agree to be bound by these Terms of Use, our Privacy Policy, and all applicable laws and regulations. If you do not agree with any part of these terms, you must not use our website or services.

2. About dynamo-ridge

dynamo-ridge provides financial education programs for children and teenagers across the United Kingdom. Our services include workshops, courses, and educational resources designed to build financial literacy and money management skills.

Business Name: dynamo-ridge
Address: 47 Lothian Road, Edinburgh, EH1 2DJ, United Kingdom
Email: [email protected]

3. Use of Website

3.1 Permitted Use

You may use our website for:

  • Learning about our programs and services
  • Enrolling in programs
  • Contacting us with inquiries
  • Accessing resources provided to enrolled participants

3.2 Prohibited Use

You must not:

  • Use the website for any unlawful purpose
  • Attempt to gain unauthorized access to our systems
  • Transmit viruses or malicious code
  • Copy, reproduce, or distribute our content without permission
  • Scrape, harvest, or collect data from our website using automated means
  • Impersonate another person or entity
  • Interfere with or disrupt the website's operation

4. Program Enrollment and Participation

4.1 Enrollment

When you enroll in a program, you enter into a contract with dynamo-ridge. Enrollment is subject to availability and acceptance by us. We reserve the right to refuse enrollment at our discretion.

4.2 Age Requirements

Program participants must meet the age requirements specified for each program. Parents or legal guardians must enroll participants under the age of 18.

4.3 Payment

Payment must be made in full at the time of enrollment unless alternative arrangements have been agreed in writing. All prices are stated in British Pounds (GBP) and include VAT where applicable.

4.4 Cancellation and Refunds

Cancellation by You:

  • More than 14 days before program start: Full refund minus £25 administration fee
  • 7-14 days before program start: 50% refund
  • Less than 7 days before program start: No refund

Cancellation by Us: If we cancel a program, you will receive a full refund or the option to transfer to another program.

4.5 Participant Conduct

Participants are expected to:

  • Treat staff and other participants with respect
  • Arrive on time for sessions
  • Follow instructions and program rules
  • Engage positively with learning activities

We reserve the right to remove participants whose behavior is disruptive or inappropriate, without refund.

5. Intellectual Property

5.1 Our Content

All content on this website, including text, graphics, logos, images, videos, and software, is the property of dynamo-ridge or our licensors and is protected by copyright, trademark, and other intellectual property laws.

5.2 Program Materials

Educational materials provided to enrolled participants are for personal use only. You may not reproduce, distribute, or share these materials without our written permission.

5.3 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes. This license does not include any right to:

  • Modify or copy materials
  • Use materials for commercial purposes
  • Remove copyright or proprietary notices
  • Transfer materials to another person

6. Privacy and Data Protection

Your use of our website and services is also governed by our Privacy Policy and GDPR Compliance Statement. Please review these documents to understand how we collect, use, and protect your personal information.

7. Disclaimers

7.1 Educational Purpose

Our programs provide financial education for general knowledge purposes. We do not provide financial advice, and program content should not be considered professional financial, legal, or tax advice. For specific financial guidance, consult a qualified financial adviser.

7.2 Website Availability

We strive to keep our website accessible at all times but do not guarantee uninterrupted access. The website may be unavailable due to maintenance, technical issues, or circumstances beyond our control.

7.3 Accuracy of Information

While we make reasonable efforts to ensure information on our website is accurate and up-to-date, we do not warrant the completeness or accuracy of content. Program details, pricing, and schedules are subject to change.

8. Limitation of Liability

8.1 To the Maximum Extent Permitted by Law:

dynamo-ridge shall not be liable for:

  • Any indirect, incidental, consequential, or punitive damages
  • Loss of profits, data, or opportunities
  • Damages arising from use or inability to use our website
  • Damages arising from reliance on website content

8.2 Maximum Liability

Our total liability to you for any claim arising from your use of our services shall not exceed the amount you paid for the specific program giving rise to the claim.

8.3 Exceptions

Nothing in these terms excludes or limits our liability for:

  • Death or personal injury caused by our negligence
  • Fraud or fraudulent misrepresentation
  • Any liability that cannot be excluded by law

9. Indemnification

You agree to indemnify and hold harmless dynamo-ridge, its staff, and partners from any claims, damages, losses, or expenses (including legal fees) arising from:

  • Your violation of these Terms of Use
  • Your violation of any law or third-party rights
  • Your use of our website or services

10. Third-Party Links

Our website may contain links to third-party websites for your convenience. We do not control or endorse these external sites and are not responsible for their content, privacy practices, or terms. Use of third-party websites is at your own risk.

11. Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of the website after changes constitutes acceptance of the revised terms.

12. Changes to Services

We reserve the right to:

  • Modify or discontinue programs or services
  • Change program content, structure, or pricing
  • Update website features or functionality

We will provide reasonable notice of significant changes affecting enrolled participants.

13. Termination

We may terminate or suspend your access to our website or services immediately, without notice, if you breach these Terms of Use. Upon termination, your right to use the website ceases, but provisions regarding intellectual property, disclaimers, and limitations of liability survive.

14. Governing Law and Jurisdiction

These Terms of Use are governed by the laws of Scotland and the United Kingdom. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the Scottish courts.

15. Severability

If any provision of these Terms of Use is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

16. Entire Agreement

These Terms of Use, together with our Privacy Policy, GDPR Compliance Statement, and Cookies Policy, constitute the entire agreement between you and dynamo-ridge regarding use of our website and services.

17. Waiver

Our failure to enforce any right or provision of these terms shall not constitute a waiver of that right or provision. No waiver shall be effective unless in writing and signed by an authorized representative of dynamo-ridge.

18. Contact Information

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

Email: [email protected]
Address: 47 Lothian Road, Edinburgh, EH1 2DJ, United Kingdom

19. Complaints Procedure

If you have a complaint about our services:

  1. Contact us via email with details of your concern
  2. We will acknowledge your complaint within 3 business days
  3. We will investigate and provide a full response within 14 days
  4. If you remain unsatisfied, you may escalate through our formal complaints process

20. Force Majeure

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

dynamo-ridge

Building financial confidence in young people across the UK.

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