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Esse Quam Videri

Terms & Conditions


1. These Terms

1.1 What these terms cover

These are the terms and conditions on which we supply services to you.

1.2 Why you should read them

Please read these terms carefully before you submit your order to us. These terms tell you who we are, how we will provide services to you, how you and we may change or end the contract, what to do if there is a problem and other important information. If you think that there is a mistake in these terms or require any changes, please contact us to discuss.


2. Information about us and how to contact us

2.1 Who we are

CIFA EDUCATION [MANAGEMENT] LIMITED / CIFA EDUCATION LTD are registered in England and Wales with company registration numbers 12852521 / 14271739.
Our registered office is 94-96 Seymour Place, London, W1H 1NB.
Our registered VAT number is 416052430.

2.2 How to contact us

You can contact us by emailing us at info@cifa.ac or sending us a letter at First Floor Office, 94-96 Seymour Place, W1H 1NB, London.
You may also telephone us at 01865655704 and 01865655913.
For all complaints please email info@cifa.ac.

2.3 How we may contact you

If we have to contact you we will do so by telephone or by writing to you using the telephone number, email address or postal address you provided to us in your order.

2.4 "Writing" includes emails

When we use the words "writing" or "written" in these terms, this includes emails.


3. Our contract with you

3.1 How we will accept your account

Our acceptance of your account will take place when we send you an email receipt with confirmation of your payment being received, at which point a contract will come into existence between you and us. You will be given access to the course material within 24-48 hours from your email receipt being sent to you.

On purchasing a course, you will also receive a QR code and will then be able to create your digital CV. We are not liable for any issues arising from the QR code's faultiness and you should contact us immediately, to mitigate any possible losses, by informing us in detail of any issues that you have encountered.

3.2 If we cannot accept your account

If we are unable to accept your account, we will inform you of this and will not charge you for the services. This might be because of unexpected limits on our resources which we could not reasonably plan for or because we have identified an error in the price or description of the services, amongst other valid reasons.

3.3 We are a globally recognised provider

Our website and services are available globally. We provide our educational services internationally. Please ensure it is lawful for you to use these services in your location.

3.4 Other legal documents

These terms are in addition to other legal documents that may apply to you, such as the website Acceptable Use Policy. To determine which legal documents apply to you, please visit our website and, in the footer, access the relevant legal documents.


4. The services

4.1 Services

The services means access to our website after purchasing the course material in which you can then complete the course and create a digital CV.

In the interest of clarity, the services are not the course material, which are offered by individual third-parties via our website. The website only facilitates your ability to access them.

4.2 The digital CV

This allows you to promote your skills to potential employers who will spend credits which they have purchased from us to be able to access your information and interview you. We hold no liability regarding whether these potential employers will interview or hire you, all we can do is facilitate the potential of recruitment.


5. Your rights to make changes

5.1 Requesting changes

If you wish to make a change to the services please contact us. We will let you know if the change is possible. If it is possible we will let you know about any changes to the price of the services or anything else which would be necessary as a result of your requested change and ask you to confirm whether you wish to go ahead with the change.


6. Our rights to make changes

6.1 Minor changes

We may change the services:

  • (a) to reflect changes in relevant laws and regulatory requirements;

  • (b) to implement minor technical adjustments and improvements, for example to address a security threat. These changes should not materially affect your use of the services;

  • (c) addition or removal of certain features of the website's offering;

  • (d) additions or removals to how you may interact with the website and other users;

  • (e) additions or removals of access to information or courses; and

  • (f) any other reasonable changes.

6.2 More significant changes

In addition, we may make the following changes to these terms or the services, but if we do so we will notify you and you may then contact us to end the contract:

  • (a) Changes in pricing;

  • (b) Changes to ensure that the services are in the best interests of our clients.


7. Providing the services

7.1 When we will provide them

We will supply the services to you from the date we accept your account until this contract is either cancelled or terminated.

7.2 Delays outside our control

If our performance of the services is affected by an event outside our control then we will not be liable. If there is a risk of substantial delay you may contact us to end the contract.

7.3 Your information obligations

We will need certain information from you so that we can provide the services. If you do not, within a reasonable time, provide us with this information, or you provide us with incomplete or incorrect information, we may either end the contract. We will not be responsible for providing the services late or not providing any part of them if this is caused by you not giving us the information we need.

7.4 Reasons we may suspend services

We may have to suspend the services to:

  • (a) deal with technical problems or make technical changes;

  • (b) update the services to reflect changes in relevant laws and regulatory requirements;

  • (c) make changes to the services as requested by you or notified by us.

7.5 Your rights if we suspend

If we have to suspend for longer than one week in any one month period, we may adjust the price so that you do not pay for services while suspended. Please contact us if you are experiencing issues accessing the services.

7.6 If you do not pay

If you do not pay us when due (see clause 12.4) and still do not make payment after 14 days, we may suspend supply and charge interest.


8. Your rights to end the contract

8.1 Cooling off period

If you are purchasing as a consumer, you can end within 14 days of purchase.
However, you will only be refunded where you have not accessed the course/exam materials yet.
A 5% banking administration fee applies.

8.2 Outside cooling off

If you request to end outside of the 14 day period, you will not be entitled to a refund.

8.3 What happens if you have a good reason

If you are ending for a reason set out below the contract will end immediately and we will refund you in full:

  • (7.4.1) We have told you about an upcoming change you do not agree to;

  • (7.4.2) We told you about an error in the price or description;

  • (7.4.3) We suspend for technical reasons longer than one week; or

  • (7.4.4) You have a legal right to end because of something we did wrong.

8.4 If you end without a good reason

The contract ends immediately but we may charge you reasonable compensation.


9. Chargebacks & Friendly Fraud

9.1 Policy

By purchasing any of our services, you agree:

  • Initiating a chargeback without valid reason (friendly fraud) breaches this agreement.

Examples include:

  • Falsely claiming a service was not received.

  • Failing to contact us before disputing.

  • Disputing a charge knowingly authorised by you.

9.2 Zero tolerance

If an illegitimate chargeback occurs:

  • We’ll provide evidence to your bank.

  • We may pursue legal action.

  • We may suspend your services immediately.

  • You may be added to fraud watchlists.

9.3 Resolution first

We encourage you to contact us directly. By paying, you confirm you’ve read and agreed to this policy.


10. Our rights to end the contract

10.1 We may end if you break it

Including if:

  • You do not pay when due and still do not pay after 14 days;

  • You fail to provide necessary information;

  • You breach any of these terms or other policies.

10.2 You must compensate us

If we end the contract for the reasons above, we may invoice you for reasonable costs.

10.3 We may stop services

We will give at least 14 days notice unless terminating immediately due to a breach. We will refund any pre-paid sums for future services.


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11. How to tell us about problems

11.1 Questions or complaints

If you have any questions or complaints about the services, please contact us on 01865655704 or 01865655913, or email info@cifa.ac.

11.2 Summary of your legal rights

Nothing in these terms will affect your legal rights that cannot be excluded by agreement. Under the Consumer Rights Act 2015 (applicable to consumers, not trade), you can:

  • Ask us to repeat or fix a service if not carried out with reasonable care and skill, or get some money back if we can’t fix it.

  • If you haven’t agreed on a price beforehand, you pay a reasonable amount.

  • If you haven’t agreed on a time beforehand, it must be carried out within a reasonable time.


12. Price and payment

12.1 Where to find prices

Prices (including VAT) are on our website and may change. We use our best efforts to ensure they are correct.

12.2 Changes to VAT

If VAT rates change between order and service, we adjust accordingly, unless you’ve already paid in full.

12.3 What happens if we get pricing wrong

We’ll contact you about the error. You may decide not to proceed. If we’ve already given access, we may end the contract, refund you and remove access.

12.4 When and how you pay

You pay in full before gaining access, including payment plans.
Instalment plans are non-cancellable. By purchasing, you agree to pay on time and complete the agreement. If you default, CIFA reserves the right to pursue legal action.


13. Our responsibility for loss or damage suffered by you

13.1 We do not exclude liability where unlawful

Including liability for:

  • Death or personal injury caused by negligence;

  • Fraud or fraudulent misrepresentation;

  • Breach of your legal rights in relation to the services.

13.2 We are not liable for business losses

If you use the services for commercial or business purposes, we are not liable for:

  • Loss of profit, business, interruption or opportunity.

13.3 We are not responsible for employment opportunities

We only facilitate your ability to undertake courses and have a digital CV. We cannot guarantee interviews or offers.


14. How we may use your personal information

14.1 Use of your personal data

We will use your data to:

  • Provide the services;

  • Allow third-party providers to deliver the course materials;

  • Process your payments;

  • Inform you of similar products (you may opt out).

14.2 Credit checks

Where we extend credit, we may pass your data to credit reference agencies.

14.3 Sharing with others

We will only share your data where the law allows or requires.


15. Other important terms

15.1 We may transfer this contract

We may transfer our rights and obligations under these terms to another organisation.

15.2 You need our permission to transfer your rights

You may only transfer your rights or obligations under these terms with our written consent.

15.3 No rights for others

This contract is between you and us. No other person has rights to enforce it.

15.4 If part of this contract is found illegal

The rest remains in force. The illegal provision will be amended to achieve its intended purpose if possible.

15.5 Delays in enforcing

If we delay enforcing, we can still enforce later. E.g., if you miss a payment and we don’t chase immediately, we can still require payment later.

15.6 Governing law and jurisdiction

These terms are governed by English law and the English courts have exclusive jurisdiction. If you are in Scotland or Northern Ireland, you may also bring claims there.

15.7 Alternative dispute resolution

If unhappy with how we handled a complaint, you may want to negotiate an amicable resolution.


16. Acceptable Use Policy

16.1 Scope

Sets out standards when you upload content, contact other users, link to or interact with our site.

16.2 Who we are

www.cifa.ac is operated by CIFA EDUCATION [MANAGEMENT] LIMITED.

16.3 Acceptance

By using our site, you agree to comply with these terms. If not, do not use our site. Users must be at least 16.

16.4 Other terms apply

Our Terms for employers, students, instructors and affiliates also apply.

16.5 Changes

We may amend these terms. Check each time you use the site.

16.6 Prohibited uses

You may not use our site:

  • In breach of laws or regulations;

  • For unlawful or fraudulent purposes;

  • To harm minors;

  • To bully, intimidate or humiliate;

  • To send spam or viruses;

  • To upload terrorist content.

16.7 You also agree not to

  • Reproduce, duplicate or resell any part of our site;

  • Share purchased content with others;

  • Share login details;

  • Access without authority, interfere with, damage or disrupt the site.

16.8 Interactive services

We may offer video sharing, chat rooms, bulletin boards, digital CVs, credit systems. Use at your own risk. We may moderate but are not obliged to.


17. Cookies

When you visit, small data files (‘cookies’) may be stored on your device. They help us tailor the site to you. We do not use them to collect personal data. You can disable cookies in your browser.


18. Purchases made from REED.co.uk

***Purchases made from REED.co.uk

Under this policy, you may cancel your purchase of the course within the period of 14 calendar days from the date on which the contract of purchase is concluded. This is called a "Cancellation Period". Note that if you redeem your voucher during the Cancellation Period, you expressly request us to begin providing the course materials and you acknowledge that you lose your right to cancel the purchase of the course and get any refund for it.