Terms and Conditions

1.0 Parties & Definitions
1.1 “The course provider”, “us”, “we” or “TFTA” means The Financial Training Academy Limited.
1.2 “The Recruiter” or “TFRA” means The Financial Recruitment Academy Limited.
1.3 “The student”, “he”, “she” or “you” means the applicant named on the course provider’s standard booking form.
1.4 “Course fee” means the fee indicated under the course provider’s standard price list at the time the booking form is submitted to the course provider in respect of the course, or series of courses, which the student has indicated on the course provider’s standard booking form which he or she wishes to attend. Course fees include the provision of course materials (such as lecture notes) but where the specified course leads to a qualification which is assessed by an external (third party) examination board, and a fee is payable to that examination board in respect of any such examination or assessment, that fee is not included in the course fee and is payable separately and additionally to the examination board, unless otherwise specified in publicity material corresponding to the student’s selected course.
1.5 “Career consultant” or “employer” means the organisation with whom your consultation is with for the purposes of obtaining training.
1.6 “Agent” means persons or companies with whom The Financial Training Academy have formalised affiliations to work on their behalf.
1.7 ‘‘Course start date’’ means the Induction date. The induction date is defined as the first day of the course.
1.8 “Trainer” means the person responsible for the training of the course.

2.0 Summary
2.1 The objective of this agreement is for the course provider to provide the student with training in the Financial Sector through a training session (“a course”) or a package of such courses.

3.0 Formation of this Agreement
3.1 The submission by the student of a completed booking form in the course provider’s standard format to the course provider constitutes an offer by the student to attend and pay for the course or package of courses he or she has indicated he or she wishes to attend subject to these terms and conditions.

3.2 The student’s offer is accepted only by:
a. the course fee, or a deposit as specified by ourselves, on our standard booking form being received by our bankers as cleared funds or by the student indicating on our standard booking form that the student is applying for a loan, and
b. our writing to you to confirm that your place on your chosen course has been accepted.
3.3 This agreement is completed upon the student’s offer being accepted in accordance with clause 3.2 above at which time if you have not already paid it, you will become liable to pay the full course fee 3 working days before the commencement of your chosen course or the first course within your chosen package of courses and you may only cancel the agreement in the circumstances as set out in section 5 of these Terms and Conditions.
3.4 For the avoidance of doubt, where an agreement is completed in respect of a package of courses that constitutes an entire agreement and the course fee shall not be refunded (whether pro rata or otherwise) except as provided by this agreement and you will remain liable to pay the full course fee in respect of that package of courses.
3.5 Where you indicate on the booking form your preferred course dates at the time you submit your booking form, but those dates are unavailable, we will, wherever possible, contact you to offer you alternative course dates. Where you indicate that those dates are acceptable (orally or in writing) that constitutes a revised offer which may be accepted in the method set out in clause 3.2 above.
3.6 Where you indicate on the booking form your preferred course dates at the time you submit your booking form and (pursuant to clause 3.4 above) the two alternative dates we offer you are not acceptable to you we will refund to you any sums already paid to us where such funds have cleared into our bank account. All refunds will be issued by cheque only or make a refund by cheque to any lending organisation which has paid money directly to us or where we have not yet banked any cheque given to us we will destroy the same.
3.7 Where you do not indicate your preferred course dates at the time you submit your booking form but indicate that you will do so later, then when you do submit your preferred course dates and those courses and dates are not available we will offer you up to two alternative dates in respect of each course. If neither of these dates are acceptable to you, you will remain liable for the full course fee nonetheless.

4.0 Courses
4.1 The course provider offers a variety of courses of different lengths and covering different areas of training as indicated from time to time on our standard price list and/or any promotional material we may publish. A course may involve a day (or part thereof) of training or lecturing or may involve a series of such days (or parts thereof). Exam fees are not included in the course fees unless otherwise stated on our publicity material or booking form.
4.2 From time to time the course provider offers a package of different courses all of which may be attended by the student at a total price specified in our standard price list for attending all the courses within the package. Where a student wishes to attend such a package of courses he or she must either indicate on their booking form the dates of the individual courses they wish to attend or may choose to notify us closer to the start of their course or package of courses or during the package of courses of the dates they wish to attend.
a. Where you have chosen to notify us of the dates you wish to attend this individual course within a package of courses by indicating these on your booking form then your attention is drawn to clause 3.7 above: we will offer you a maximum of two alternative dates and if neither is acceptable to you, you will remain liable to pay the course fee in full.
b. The student is entitled to attend only those courses and dates which we have confirmed to the student writing that he or she is entitled to attend. The student may subsequently request that the date(s) of an individual course or courses be amended but whether the date is so amended is entirely at our discretion. Where the reason of genuine emergency, illness or by reason of student wishing to change the date of a course by bereavement then (upon proof of the same being provided) the course provider will not unreasonably refuse to change the date.
c. In any event you must complete all the courses within your chosen package of courses within 3 months (full-time), and 6 months (if attending part-time), of your booking form being accepted by us.
d. Where the student wishes to arrange an alternative start date to which the student has already been booked upon, then the student may do so and is set as a limit of one change. Further changes shall incur a £50 administration fee per change. Changes to course start dates are dependant upon availability.
4.3 From time to time the course provider will offer a package of courses which allow the student to attend as many courses as specified by list or class of course as the student wishes to attend. Where such a package is offered the student must attend all the courses he or she wishes to attend within 1 year of his or her booking being accepted by us. The student may only attend those courses where he or she has indicated to us that he or she wishes to attend a specified course at least 14 days prior to its commencement and we have confirmed in writing that a place has been made available to him or her on the specified course and on the dates specified.
4.4 The course content is structured in a manner that allows for a certain amount of flexibility. We have added this flexibility for circumstances such as fire drills; occasions when the trainers may be delayed; classroom setup’s; staff training; late starts and early finish’s due to adverse weather conditions etc. This flexibility thus allows the course to be delivered in full without the need to reduce either the course content or quality.
4.5 When attending any course you warrant that you will apply yourself diligently to your studies, attend promptly and at all times abide by the student code of conduct. Violation of the student code of conduct by you may, at the sole discretion of the course provider, mean you will forfeit the right to sit any remaining courses or receive any refund or any compensation whatsoever.
4.6 There is no option to re-sit any course, or package of courses, unless specified, at the time of enrolling, on the course booking form. Prior to you accepting to sit the course, or package of courses, you should ensure that you are able to attend all the scheduled days. If you do not think you can attend all the days then you should request the Course Administrator to provide you with alternate dates.
4.7 You may have the option to re-sit a course after you have completed your course or package of courses. Where you have the right to re-sit a course, it will clearly indicate this on our publicity material. Where you have the right to re-sit a course and where the course material has changed at the time of re-sit, you will have the option to purchase the new course material at the published rate. Where you choose not to purchase the new material, and where such an action is deemed by the Trainer to be of detriment to you, or others, your Trainer shall have the right to ask you to either purchase the new material or leave the course until you make arrangements to continue the course to the satisfaction of the Trainer.
4.8 A re-sit may only be applicable if you have attended the previous course on all days scheduled and that you attended punctually as per the trainers guidelines and you may only re-sit up to 3 months after your first scheduled course date (induction date) for full-time students and up to 6 months from your scheduled course date (induction date) for part-time students. Please note you will only be able to re-sit if there are available seats and you must have received a letter of confirmation of a re-sit by TFTA.
a. If you have failed to attend any one day, or part thereof, of your chosen course without a valid reason (which has been deemed acceptable by TFTA in writing) you will not be eligible to re-sit the course. In this outcome, TFTA’s obligation to you will be deemed complete.
b. If you have failed to be punctual for any 1 day of your chosen course without a valid reason (which has been deemed acceptable by TFTA in writing) you will not be eligible to re-sit the course. In this outcome, TFTA’s obligation to you will be deemed complete.
4.9 Information you receive from the course provider pertinent to your consultation, application, training, certification, guidance, information, funding, and all other services shall be deemed to be have been read, understood and agreed by you.
4.10 All TFTA courses end with a Course Completion Form. The student must sign the Course Completion Form declaring that the course has ended.
4.11 Students must display their Student ID Cards at all times, failure to do so will result in the student being refused entry into the premises of the course provider. If a student loses or misplaces their ID card they will need to purchase a new ID card at a price of £25. Failure to comply will automatically cancel your chosen course, or package of courses and TFTA’s obligation shall be deemed as complete. No refunds shall be made for any course fees paid and the student will be liable to pay any outstanding fees owed to TFTA.

5.0 Cancellation – By You
5.1 Where you have booked a course and we have accepted that booking, then if you wish to cancel the course you must notify us in writing within 14 days after your first payment. Where we receive such notification we will refund to you the course fee in full.
5.2 Pursuant to clause 5.1 when cancellations are made by you within the 14 days, then you are liable to pay an administration fee of £250.00 within 7 days of cancelling.
5.3 Where you have booked a course and that course is scheduled to start within 14 days then no refund shall be made.
5.4 In any event where a course or package of courses is booked less than 14 days before the course start date or the first course in a package, no refund for the entire course or package of courses will be made if you choose to cancel the course.
5.5 Unless acknowledged on the course providers booking form, where you have chosen to pay for your course by any form of loan (including a career development loan) then you will be deemed to have cancelled the course if you (or any lender) fails to pay the balance of the course fee (for whatever reason) to us in cleared funds within 14 days before the course, or the first course in a package of courses, is due to begin. Where any such course or package of courses is deemed to be cancelled by you we will not refund any deposit paid by you.
5.6 Where a course is deemed to have been cancelled in accordance with clause 5.5 as above, but you have attended the course you will be liable to pay the full fee in respect of that course or, where a package of courses is deemed to be cancelled in accordance with clause 5.5 as above and you have attended any of the courses within that package you will be liable to pay for each of the courses you have attended at the rate payable for attending that individual course at the rate prevailing in our standard price list at the time you attended notwithstanding that this fee may exceed the pro rata course fee payable for attending all the courses within the package.
5.7 In the instance where a refund has been authorised it can take up to 30 business days to process the payment. All refunds will be issued by cheque only.
5.8 If you are funding your course with a loan (e.g. Barclays Finance) and you attend a day or part thereof of the course then you are liable to pay for the entire course, or package of courses, as stated on the Course Providers Booking Form.

6.0 Cancellation – By Us
6.1 Where we cancel or postpone a course or package of courses for any reason we will offer you alternative dates for the provision of the course or package of courses but we will make no refund to you. However, where two alternative dates are provided and the course or package of courses is cancelled for a third time or more, you have the option to cancel the course or package of courses and we will refund the course fee in respect of the individual course cancelled at the rate prevailing in our standard price for a single booking or at the discounted rate for the package of course lists at the time of the cancellation based on the original offer.
6.2 Pursuant to clause 6.1 the option to cancel the course or package of courses is available for 7 days from the date on the letter of postponement or cancellation from us. All applications for refunds must be made in writing.
6.3 For the avoidance of doubt, you are not entitled to a refund in respect of the total course fee payable for a package of courses you enrolled upon. Where we have cancelled a course within a package of courses and the third alternative date is not convenient for you, we will refund only the fee payable in respect of the individual course at the discounted rate offered for the package at the time of cancellation based on your original offer.
6.4 If for any unforeseen circumstances we are unable to provide a trainer on the specified course date, you will be offered alternative date(s) to complete your training and no refund will be made.

7.0 Governing Law etc.
7.1 This agreement is governed by the law of England and Wales.
7.2 This agreement forms the entire agreement between the parties and may only be waived, varied or added to by the express agreement in writing by a director of the course provider.