Terms and Conditions

These Terms and Conditions govern the use of financial literacy and security education services provided by SmartMoneyEdu. Please read these terms carefully before using our services.

1. Scope of Application

These Terms and Conditions apply to all contracts between SmartMoneyEdu and our clients regarding the use of our financial literacy and security education services. Deviating terms from the client will not be recognized unless we expressly agree to them.

2. Contract Formation

The contract is established when the client accepts our offer. Acceptance can be in writing, by email, or through implied action. By accepting, the client acknowledges these Terms and Conditions.

3. Scope of Services

The exact scope of services is defined in the respective service contract. In general, our services include:

  • Financial literacy courses and workshops
  • Financial security training
  • Personal finance education
  • Educational resources and materials
  • Technical support for our learning platforms

4. Client Obligations

The client is obligated to:

  • Provide all required information completely and correctly
  • Promptly communicate any changes in registration data
  • Make agreed payments on time
  • Securely store provided access credentials
  • Comply with applicable laws and regulations

5. SmartMoneyEdu Obligations

We commit to:

  • Provide the agreed services professionally
  • Treat client data confidentially
  • Comply with applicable data protection regulations
  • Inform clients about relevant changes
  • Promptly address technical issues

6. Pricing and Payment Terms

The prices for our services are specified in the respective service contract. All prices are subject to applicable VAT. Payment is due within 30 days of invoice issuance and can be made via the payment methods specified in the service contract.

7. Refund Policy

Our refund policy for educational services is as follows:

  • For course cancellations made at least 14 days before the start date, a full refund minus a 5% processing fee will be issued.
  • For cancellations made 7-13 days before the start date, a 50% refund will be provided.
  • For cancellations made less than 7 days before the start date, no refund will be issued.
  • Refunds will be processed within 14 days of receiving the refund request.
  • For technical issues caused by our systems that prevent access to our online courses, a full refund or extended access period will be provided.

8. Data Protection and Confidentiality

We commit to treating all client data confidentially and using it only within the scope of the agreed services. Detailed data protection provisions can be found in our Privacy Policy.

9. Liability

We are liable for damages caused by intentional or grossly negligent behavior. Liability for slight negligence is excluded unless essential contractual obligations are affected. Liability for indirect damages is excluded.

10. Termination

The contract can be terminated by either party with a notice period of 1 month to the end of the month. The right to extraordinary termination for good cause remains unaffected.

11. Changes to Terms and Conditions

We reserve the right to change these Terms and Conditions at any time. Changes will be communicated to the client at least 4 weeks before they take effect. If the client does not object within 2 weeks, the amended terms are considered accepted.

12. Final Provisions

The laws of Switzerland apply, excluding the UN Convention on Contracts for the International Sale of Goods. The place of jurisdiction for all disputes is Zurich, provided the client is a merchant. Should individual provisions be invalid, the validity of the remaining provisions remains unaffected.

SmartMoneyEdu
Gartenstrasse 42
8002 Zurich
Switzerland
Email: info@smartmoneyedu.com
Phone: +41 44 587 2136

Last updated: March 15, 2024