Guild Financial Advisory Limited
Guild Financial Advisory Limited (“Guild”) is registered in England and Wales, company number 11611887. The registered office is 382 Russell Court, Woburn Place, London, WC1H 0NH. The Company is Authorised and Regulated by the Financial Conduct Authority (“FCA”) (FCA Registration number: 922996). You can access the Financial Conduct Authority’s register on the FCA website for more information.
These are the terms and conditions for your use of the Guild website. Please read these terms and conditions carefully. If you do not wish to be bound by them, you should not use this site. By using this site, you signify you have read and accept these terms and conditions.
Liability
By entering this site (www.guildfin.co.uk), you acknowledge and agree that the use of this site is at your own risk and to the extent permissible by applicable law, in no circumstances, including (but not limited to) negligence, shall we be liable for any direct, indirect, incidental, special, consequential, or punitive damages, losses, costs or expenses nor for any loss of profit that results from the use of, or inability to use this site or any material on any site linked to this site (including but not limited to any viruses or any other errors or defects or failures in computer transmissions or network communications) even if we have been advised of the possibility of such damage. In addition, no liability can be accepted by us in respect of any changes made to the content of this site by unauthorised third parties. All express or implied warranties or representations are excluded to the fullest extent permissible by law. We do not warrant that this site does not infringe any intellectual property rights of third parties.
We are not responsible for any third party research or information that is provided on this site and we exclude all warranties and all liability for any loss or damage you incur as a result of your use of such research or information, to the maximum extent permitted by law. We will not be responsible for the content of any third party research or information nor for compliance of the same with any laws or regulations. This site is provided on an “as is” basis and you should take steps to verify any information you intend to rely on.
Nothing on this site shall be deemed to constitute financial or other professional advice in any way. If any advice or guidance is required on our products or services, please contact us as directed on this site.
Information
Where information consists of pricing or performance data, the data contained therein has been obtained from company reports, financial reporting services, periodicals, and other sources believed reliable. Although carefully verified, data computations are not guaranteed by Guild or any of the data providers or affiliates and may not be complete. Neither Guild nor any of its data providers or affiliates make any warranties expressed or implied, as to the accuracy, adequacy, quality or fitness for any particular purpose of the information or the services and all such warranties are expressly excluded to the fullest extent that such warranties may be excluded by law. You bear all risks from any uses or results of using any information. You are responsible for validating the integrity of any information received over the Internet.
Copyright and Trademarks
Unless otherwise stated, all rights in any information which appears on this site (including the screen displays, the content, the text, graphics and look and feel of the site) belong to Guild or our licensors.
Unless specifically prohibited by a notice published on any page, you may download and/or print a copy of such parts of the pages of the site as you may reasonably require for your own personal non-commercial use only, provided that any copy has attached to it the relevant proprietary notices and terms and conditions.
All trademarks, service marks, company names or logos are the property of their respective holders. Any use by you of these marks, names and logos may constitute an infringement of the holders’ rights.
Your Use of This Website
You must use this website in accordance with these terms and conditions and all reasonable directions of Guild from time to time. To the extent legally possible, Guild reserves the right to draw any misuse of this website to the attention of any applicable governing or regulatory body.
Site Availability
To the extent permitted by applicable law, we do not warrant that this site will be available at any time. If the web site is unavailable, please report this by emailing to ross.andrews@guildfin.co.uk and we will attempt to correct the fault as soon as we reasonably can.
Accuracy
The information contained in this site is based on up-to-date information and while we make all reasonable efforts to ensure that material on this site is correct, current and complete at the date of publication, accuracy cannot be guaranteed. We make no warranties or representations (express or implied) as to its accuracy, currency or completeness. We may change the information at any time without notice. You should take appropriate steps to verify all information on this site before acting upon it.
Residence
This site is controlled and operated by us from the United Kingdom. We make no representation that any material contained on this site is appropriate for any other jurisdiction. Should you choose to access this site from any location other than the United Kingdom, you are responsible for compliance with all applicable local laws.
Governing law
These terms and conditions are governed by and shall be construed in accordance with the laws of England. Non-contractual obligations (if any) arising out of or in connection with these terms and conditions (including their formation) shall also be governed by the laws of England.
You agree to submit to the exclusive jurisdiction of the courts of England and Wales as regards any claim, dispute or matter (whether contractual or non-contractual) arising out of or in connection with these terms and conditions.
CLASSROOM COURSES FROM 1 JUNE 2025 ONWARDS
Terms and Conditions in addition to the Website Terms of Use apply to the sale of any Course. Please read the Terms and Conditions carefully before purchasing a Course and print off a copy for your records. It is your responsibility to keep a copy of the Terms and Conditions in case you wish to refer to them at a later date.
Guild Futures will not file or otherwise keep a copy of the agreement concluded between you and Guild Futures, and a copy of the concluded agreement will not be available from Guild Futures at a future time and date. By ordering a Course, you are confirming your agreement to be bound by the Terms and Conditions.
If there is any conflict between these terms and conditions, the Website Terms of Use and the documents to which the Terms and Conditions refer, these terms and conditions shall prevail.
Your contract is with Guild Futures Limited, 382 Russell Court, Woburn Place, London, WC1H 0NH, UK, registered in England and Wales under company number 11611887.
All of the terms and conditions below are relevant to your studies at Guild Futures. However, we have pulled out below some specific terms and conditions of particular importance for your information:
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In the event that you withdraw from your Course, your liability for Fees is outlined in Clauses 4 and 5 below.
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In the unlikely event that Guild Futures cancels, discontinues or makes significant changes to your Course, your position is outlined in Clause 6 below.
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The limitations on Guild Futures’ liability are outlined in Clause 12 below.
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Guild Futures operates a Bring Your Own Device Policy. It is each student’s responsibility to ensure their device is sufficiently charged for their studies. Please ensure that you supply your own power cable for your device. You should also ensure that your device is in good working condition and be able to evidence that it is safe to use.
You are encouraged to take the time to read and review the Terms and Conditions before you order a Course.
If there are any aspects of the Terms and Conditions that you do not understand, we encourage you to contact Guild Futures for clarification at the contact details provided in Clause 18 below.
1. Definitions
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“Guild Futures” means any company which is, from time to time, a subsidiary undertaking or parent undertaking of RMA Consultancy Limited with registered number 09656810, or subsidiary undertaking of that parent undertaking (as defined in s.1162 and schedule 7 of the Companies Act 2006).
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“Brexit” means the UK’s withdrawal from the European Union.
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“Course” means a classroom-based course and the Study Materials to be provided by Guild Futures if applicable.
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“Confirmation Email” means the email which is sent to you confirming your offer to purchase a Course.
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“Fee” means the fee payable for the Course and/or Study Materials and shall include any VAT payable but excludes Additional Charges.
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“Study Materials” means, but is not limited to, learning materials, question banks, review or practice exercises.
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“Terms and Conditions” means these terms and conditions and the Website Terms of Use and any documents to which they refer.
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“UK” means the United Kingdom.
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“VAT” means Value Added Tax or any applicable replacement and/or equivalent tax which applies to the Fees or Additional Charges.
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“Website” means www.guildfin.co.uk and/or any website operated by Guild Futures.
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“Website Terms of Use” means the terms of use available at www.guildfin.co.uk (as updated or amended from time to time).
2. Order Procedure
2.1 Ordering via email or telephone.
2.2 When you place an order for a Course (either via the Website, by email, or by telephone) you are offering to purchase that Course on these Terms and Conditions. Guild Futures reserves the right to decline or cancel your order, or any part of your order.
2.3 Following receipt of payment and booking form by Guild Futures, you will receive a Confirmation Email. Your order will be subject to acceptance by Guild Futures in accordance with Clause 2.4 below.
2.4 Your place on the Course is not confirmed unless and until you have received a Confirmation Email.
3. Payment Terms
3.1 The Fee for any Course at any given time will be notified to you by a Guild Futures representative. Fees are quoted in pounds sterling, exclusive of VAT and any Additional Charges.
3.2 Payment is due from you immediately by bank transfer. Your order is subject to acceptance in accordance with Clause 2.4.
3.3 Provision of the Course is contingent upon Guild Futures receiving cleared funds in respect of the Fee. If any sum is unpaid by the due date, Guild Futures may suspend your access and refuse you entry to the Course. Cash payments are not accepted.
3.4 Guild Futures shall not be liable for any bank charges.
4. Your Cancellation Rights
4.1 Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, you may cancel your Course purchase within 14 calendar days (“Cancellation Period”) from the date of your Confirmation Email, subject to Clause 4.5.
4.2 To cancel, email enquiries@guildfin.co.uk within the Cancellation Period.
4.3 On valid cancellation, you will be entitled to a full refund of the Fees, subject to the following:
4.4 Refunds will be made using the original payment method and to the originating account only. Refunds will be paid within 14 days, or 30 days if Guild Futures cannot credit a UK account.
4.5 Your right to cancel and obtain a refund will be lost if you consented to services starting within the Cancellation Period and the service has been fully performed. If partly performed, you will be liable for services received.
4.6 For more on your rights, visit your local Citizens’ Advice Bureau or the Competition and Markets Authority website.
5. Guild Futures’ Cancellation and Refund Policy
5.1 Except as set out in Clause 4, no cancellations will be permitted.
5.2 Your Course order is personal to you and cannot be transferred.
5.3 Guild Futures may cancel a Course up to one working day prior to the start date. A refund will be issued per Clause 4.4.
5.4 Refunds outside Clauses 4 and 5 are at Guild Futures’ discretion and may incur Additional Charges to cover administration costs.
6. Changes to Courses Caused by Force Majeure
6.1 Changes to Courses may occur due to events outside Guild Futures’ control, such as pandemics, natural disasters, terrorism, war, or utility outages.
6.2 Guild Futures may, at its discretion, make necessary changes to Courses to ensure safety and compliance with government or local authority rules or guidance.
6.3 Guild Futures will give you as much notice of changes as is possible in the circumstances, but will not offer any discount, refund, other compensation, or be liable to you, where changes to your Course or failure by Guild Futures to comply with these Terms and Conditions is caused by reasons outside of its reasonable control.
7. Study Materials
7.1 Where hard copy Study Materials accompany the Classroom Course, these Study Materials will be made available to you at the relevant premises where the Classroom Course is to take place and at the relevant time.
8. Classroom Courses
8.1 Please see the description of the Course on the Website for details of the contents of the available Courses.
8.2 Except as set out in the description of the Course, no additional Study Materials and/or tuition (either online, face to face or classroom) will be provided by Guild Futures.
8.3 You acknowledge that Guild Futures operates a zero-tolerance policy in relation to inappropriate behaviour of students. In particular, abusive or violent behaviour directed at Guild Futures’ staff or other students and unfair or dishonest practices including but not limited to cheating, will not be tolerated under any circumstances. Guild Futures may at its reasonable discretion and without liability or an obligation to refund Fees, refuse to supply any Course to any student and may refuse to admit to, and may remove from any Guild Futures learning environment, any student whose participation in any Course would, in Guild Futures’ reasonable opinion, be undesirable or whose behaviour Guild Futures considers is or may be in breach of this Agreement.
8.4 Guild Futures shall provide such presenters to present the Classroom Courses as it, in its sole discretion, deems fit and Guild Futures shall be entitled at any time to substitute any presenter with any other person who, in Guild Futures’ sole discretion, it deems suitably qualified to present the relevant Classroom Course.
8.5 In relation to Classroom Courses only the following points apply:
8.5.1 You must comply with all health and safety rules and regulations and any other reasonable security requirements that apply at the premises at which Classroom Courses are provided.
8.5.2 You must only use the premises at which Classroom Courses are provided for the purposes of participating in Classroom Courses.
8.5.3 You must sign an attendance register for each Classroom Course as required by the presenter.
8.5.4 Your personal possessions are your sole responsibility and Guild Futures accepts no responsibility and/or liability for anything that is lost or stolen from its venues. You are advised during a Classroom Course to keep your valuables with you at all times.
8.6.5 If you require a student visa to enable you to study with Guild Futures, you are responsible for obtaining the necessary visa and for ensuring that your attendance is satisfactory to meet your visa requirements.
9. System Requirements
9.1 Please note that it is your responsibility to check that the computer you plan to use to access your Study Materials provided by Guild Futures is compatible.
10. Technical Support and Access
10.1 You accept and acknowledge that periods of downtime may be required in respect of the information technology infrastructure connected to the Website and that technical support may not be available during such periods of downtime. Further, you agree that you will not have a claim for breach of contract or otherwise in respect of such period of unavailability.
11. Warranties
11.1 Guild Futures will use its reasonable endeavours to deliver the Course in accordance with the description set out to you.
11.2 Guild Futures expects you to take reasonable care to verify that the Course and Study Materials in question will meet your needs and any specific requirements that you have and will not be responsible for any failure to do so.
11.3 Guild Futures does not make any representation, guarantee or commitment to you that the Study Materials will be error free.
11.4 All representations, warranties and/or terms and/or commitments not expressly set out in these Terms and Conditions (whether implied by law, conduct, and statute or otherwise) are hereby excluded to the maximum extent permissible by law.
12. Limitation of Liability
12.1 The exclusions and limitations of liability contained in these Terms and Conditions do not apply to a party’s liability: (i) for fraud; (ii) for death or personal injury caused by its negligence; or (iii) where such limitation or exclusion cannot lawfully be excluded.
12.2 Nothing in these Terms and Conditions shall exclude Guild Futures’ liability under s.57 of the Consumer Rights Act 2015.
12.3 Except as set out in these Terms and Conditions, Guild Futures shall not be responsible for losses that result from its failure to comply with these Terms and Conditions including, but not limited to, losses that fall into the following categories:
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12.3.1 unforeseeable losses; loss or damage is foreseeable if either it is obvious that it will happen or, if at the time the contract was made, both you and Guild Futures knew it might happen;
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12.3.2 loss of income or revenue;
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12.3.3 loss of business;
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12.3.4 loss of anticipated savings;
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12.3.5 loss or corruption of data.
12.4 Guild Futures cannot accept responsibility for damage to or loss of property howsoever caused.
12.5 Guild Futures is not responsible to you for any data that you lose. It is your responsibility to ensure that you regularly save and back up (i) all data which you hold on the computer from which you are accessing the Study Materials and (ii) all data that you are inputting when completing the Course.
12.6 Guild Futures’ maximum aggregate liability to you for any claims that you may have against Guild Futures for direct loss in contract, tort or otherwise arising out of or in connection with these Terms and Conditions, the Course and the Study Materials and any IT technical support shall be limited to the amount of the Fee which has been paid, or is payable, by you or on your behalf.
12.7 You may use third party websites and products whilst undertaking your Course (“Third Party Products”) to assist your learning in data and technology specialisms.
12.8 You may be required to agree to third party terms and conditions, and a privacy policy, in order to use such Third Party Products. In such cases, in relation to the Third Party Products:
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12.8.1 You hereby agree and acknowledge that any provision of access or linking to Third Party Products to you via Guild Futures is on an “as is” and “as available” basis and that Guild Futures gives no warranties, guarantees, representations or endorsements in relation to any Third Party Products. Guild Futures will not be held responsible for any damage to your computer or loss of data that may arise from your use of the Third Party Products and Guild Futures recommends that, as a matter of good practice, you back up your computer periodically to minimise the risk of losing important files and data.
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12.8.3 You hereby agree and acknowledge that these Terms and Conditions do not authorise you to (and you will not) reproduce, distribute, make available, create derivative works or otherwise exploit any Third Party Products and nor will you use the Third Party Products for any purpose other than in connection with the Course and/or in breach of their terms of use. Guild Futures will have no liability in such circumstances, and you acknowledge that the owners of the Third Party Products may have the right to seek damages for any unauthorised use from you.
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12.8.4 You hereby agree and acknowledge that as Guild Futures has no control or input into the Third Party Products, Guild Futures is not responsible for any loss or damage incurred as a result of your using the Third Party Products.
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12.8.5 Use of the Third Party Products may result in your personal data being transferred by you directly to third parties. Guild Futures will not be liable for any losses arising from a third party’s treatment of any of your data in such circumstances.
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12.8.6 Any liability in such cases will be between you and the provider of the Third Party Product, as governed by their terms of use.
12.9 Guild Futures will not be held responsible for any delay or failure to comply with its obligations under these Terms and Conditions if the delay or failure arises from any cause which is beyond Guild Futures’ reasonable control (including those listed in Clause 6). This condition does not affect your statutory rights.
12.10 Guild Futures requires that students seek to resolve any complaints informally in the first instance. In the event that the informal complaints process is unsuccessful and you are dissatisfied with the service you are receiving, please let us know by writing to Brendan Langheim, Compliance Officer at 382 Russell Court, Woburn Place, London, WC1H 0NH. You are required to exhaust Guild Futures’ complaints procedure before seeking to bring any legal action against Guild Futures.
12.11 Each provision in this Clause 12 shall be construed separately as between you and Guild Futures. If any part is held to be unreasonable, inapplicable, or unenforceable, but would be valid if some part thereof was deleted, such provision shall apply but with such modification as may be necessary to make it valid and effective.
13. Disclaimer
13.1 Guild Futures will not accept any responsibility to any party for the use of the tuition provided and/or the contents of the Study Materials for any purpose other than training for educational purposes, including but not limited to the giving of advice by you to any third party.
14. Intellectual Property
14.1 At all times, Guild Futures remains the owner of the intellectual property in the Courses and Study Materials. No Course and/or Study Materials, nor any part thereof, may be reproduced, shared, stored in a retrieval system, published or transmitted in any form or by any means without the prior written permission of Guild Futures.
14.2 In consideration of receipt by Guild Futures of the Fee, Guild Futures grants to you a non-exclusive, non-transferable licence to use the Study Materials for the sole purpose of studying for the Course.
14.3 Save as expressly set out in these Terms and Conditions, you may not modify, copy, reproduce, re-publish, sub-licence, sell, upload, broadcast, post, transmit, make available, disseminate or distribute in any way any of the Study Materials. You may not modify, adapt, merge, translate, disassemble, decompile, recompile or reverse engineer any software forming part of the Online Study Materials or create derivative works based on the whole or any part of the Online Study Materials. In addition, you are prohibited from making available (including by way of sale) any notes, materials, or assessment answers created by you during your attendance on a Course or through use of the Study Materials.
14.4 Use of the Study Materials not expressly permitted in these Terms and Conditions is strictly prohibited and will constitute an infringement of either Guild Futures’ copyright or other intellectual property rights.
14.5 All intellectual property rights created by you during your Course with Guild Futures and relating to your studies (including but not limited to exam scripts, assessments and projects completed by you) will be jointly owned by you and Guild Futures from creation.
15. Confidentiality
15.1 Information regarding your attendance and academic performance on the Course will be kept confidential within Guild Futures, unless you agree otherwise or you waive its confidential nature. Disclosure may occur if required by law or by a relevant regulatory or professional body.
15.2 If you request a reference from Guild Futures, you agree to waive your right to confidentiality for the purposes of providing the reference and allow Guild Futures to process your personal data and disclose it to the third party.
16. Data Protection
16.1 You agree that Guild Futures may process your personal data to perform its obligations and enforce its rights under this agreement, in accordance with the Data Protection Act 2018 and Guild Futures’ privacy policy.
17. General
17.1 Guild Futures reserves the right to recover any reasonable debt collection costs related to these Terms and Conditions.
17.2 Guild Futures may update or amend these Terms and Conditions at any time to comply with law or for business needs, without prior notice. Updates will be posted on the website.
17.3 Subject to Clause 17.2, these Terms and Conditions, along with any Additional Terms and Conditions, form the entire agreement between you and Guild Futures, replacing all prior terms, conditions, representations, or statements.
17.4 You may not assign or subcontract your rights or obligations under these Terms and Conditions without Guild Futures’ written consent.
17.5 Guild Futures may assign, transfer or subcontract its rights or obligations to any third party at its discretion and without notice.
17.6 No delay or relaxation in enforcing any right or remedy by Guild Futures will be considered a waiver of that right or remedy. Waivers must be in writing.
17.7 If any provision is found invalid or unenforceable, it will be treated as excluded without affecting the rest of the Terms and Conditions.
17.8 Notices from Guild Futures will be properly served if sent by post or email to your contact details.
17.9 Notices to Guild Futures from you must be sent via the Website or by post using the contact details in Clause 18.
17.10 Notices sent by post are deemed given on the day they are posted; those sent via email or the Website are deemed given on the day they are sent.
17.11 The agreement between you and Guild Futures is conducted and concluded in English only.
17.12 The agreement is not intended to benefit any third party and cannot be enforced by any other person under the Contracts (Rights of Third Parties) Act 1999.
17.13 These Terms and Conditions are governed by the laws of England and Wales. You agree to the exclusive jurisdiction of the English courts for resolving disputes.
18. Contact Details
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Email: enquiries@guildfin.co.uk
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Post: Guild Futures Limited, 382 Russell Court, Woburn Place, London, WC1H 0NH
