Last updated: May 8, 2026
By accessing or using the WarmFlows website (warm-flows.com) and 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.
WarmFlows provides financial education programs designed for children and teenagers. Our services include educational courses, workshops, consultations, and related materials focused on financial literacy.
Enrollment in our programs requires completion of the enrollment form and agreement to program-specific terms. Parents or legal guardians must enroll minors in our programs.
All prices are listed in British Pounds (GBP) and are subject to change. Prices displayed at the time of enrollment will be honored for that specific enrollment.
Payment is required at the time of enrollment unless alternative arrangements have been agreed upon in writing. We accept payment via methods specified during the enrollment process.
We offer a 30-day satisfaction guarantee. If you are unsatisfied with our service within the first 30 days, you may request a full refund or switch to a different program at no additional cost.
When using our services, you agree to:
All content on our website and in our educational materials, including text, graphics, logos, images, and software, is the property of WarmFlows and is protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works from our content without explicit written permission.
Educational materials provided as part of our programs are for personal use only. You may not share, distribute, sell, or commercially exploit any materials without our written consent.
Our services are designed for minors under parental guidance. By enrolling your child, you consent to their participation and agree to supervise their engagement with our materials as appropriate.
We reserve the right to modify program schedules, content, or instructors when necessary. We will provide reasonable notice of significant changes. If we cancel a program, you will receive a full refund or the option to transfer to another program.
If you need to cancel your enrollment after the 30-day guarantee period, refunds will be provided on a pro-rata basis for any unused portions of the program.
WarmFlows and its instructors provide educational information only. We are not financial advisors, and our programs do not constitute financial advice. Any decisions made based on our educational content are your sole responsibility.
To the fullest extent permitted by law, WarmFlows shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.
Our services are provided "as is" without warranties of any kind, either express or implied. We do not guarantee specific outcomes or results from participation in our programs.
While we strive to provide accurate and current information, financial regulations and best practices may change. We are not responsible for actions taken based on potentially outdated information.
Your use of our 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 information.
All participants and parents must treat our staff, instructors, and other participants with respect. We reserve the right to remove participants from programs for disruptive behavior, harassment, or violation of our policies.
Our website may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of these external sites.
We reserve the right to modify these Terms of Use at any time. Changes will be posted on this page with an updated revision date. Your continued use of our services after changes constitutes acceptance of the modified terms.
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.
In the event of any dispute arising from these terms or our services, both parties agree to first attempt resolution through good-faith negotiation. If negotiation fails, disputes will be resolved through binding arbitration in London, United Kingdom.
If any provision of these Terms of Use is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
If you have questions about these Terms of Use, please contact us:
Email: [email protected]
Address: 142 Finchley Road, London NW3 5HS, United Kingdom