Last Updated: January 15, 2026
By accessing or using the website operated by SEMINARS located at freeseminar.info (referred to throughout this document as "the Website," "our Website," or "this Website"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you should discontinue use of the Website immediately.
These Terms of Use apply to all visitors, users, and others who access or use the Website, including those who register for the "Financial Literacy 2026: How to Manage Money Without Stress" webinar series or any other educational events organized by SEMINARS.
You must be at least 18 years of age to use this Website and to register for any of our webinar sessions. By using the Website, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into a binding agreement. If you are accessing the Website on behalf of an organization, you represent that you have the authority to bind that organization to these Terms of Use.
Your continued use of the Website following the posting of any changes to these Terms of Use constitutes acceptance of those changes. We encourage you to review these terms periodically for updates.
SEMINARS provides free educational webinar series focused on financial literacy, personal money management, budgeting techniques, investing principles, expense-tracking applications, payment automation tools, credit strategies, and practical money-saving tips. The Website serves as an informational platform and registration portal for these educational events.
The specific webinar series promoted on this Website, "Financial Literacy 2026: How to Manage Money Without Stress," consists of two online sessions scheduled for November 5, 2026, and November 12, 2026, at 19:00 EET. Each session runs between 60 and 75 minutes and covers distinct topics related to personal finance education.
The services provided through this Website are strictly educational and informational in nature. SEMINARS does not provide:
The scope of our services may change over time. We reserve the right to modify, suspend, or discontinue any aspect of the Website or our educational programs at any time, with reasonable notice provided to registered participants where applicable.
As a user of this Website, you agree to use it only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the Website. You are responsible for ensuring that all information you provide through our registration forms or contact forms is accurate, complete, and current.
You agree not to engage in any of the following activities:
Violation of these obligations may result in immediate suspension or termination of your access to the Website and our educational programs.
All content on this Website, including but not limited to text, graphics, images, logos, icons, audio and video recordings, webinar presentations, educational materials, data compilations, software, and design elements, is the property of SEMINARS or its content creators and is protected by applicable copyright, trademark, and other intellectual property laws of the United Kingdom and international treaties.
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Website and its content solely for your personal, non-commercial, educational purposes. This license does not include the right to:
The SEMINARS name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of SEMINARS. You must not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans on this Website are the trademarks of their respective owners.
The Website and all content, materials, information, and services provided on or through the Website are offered on an "as is" and "as available" basis without warranties of any kind, whether express or implied. SEMINARS specifically disclaims all warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy.
While we strive to provide accurate and up-to-date educational content, we do not warrant that the information presented on the Website or during our webinar sessions is complete, reliable, current, or error-free. Financial topics discussed during the webinar are based on research and academic publications available at the time of content preparation, and conditions in personal finance, markets, and regulations may change.
The educational materials provided through this Website and our webinar series are not intended as a substitute for professional financial advice. Before making any financial decisions, including those related to budgeting, investing, credit management, or debt repayment, you should consult with a qualified financial advisor, accountant, or other appropriate professional who can consider your specific personal circumstances.
We do not guarantee that the Website will be available at all times without interruption, that defects will be corrected promptly, or that the Website and its servers are free of viruses, malware, or other harmful components. You assume all responsibility and risk for your use of the Website and the information obtained through it.
To the fullest extent permitted by applicable law, SEMINARS, its directors, officers, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of or inability to use the Website, including but not limited to:
In no event shall the total aggregate liability of SEMINARS for all claims arising from or related to the Website or our services exceed one hundred British pounds (£100). This limitation applies regardless of the legal theory on which the claim is based, whether in contract, tort (including negligence), strict liability, or otherwise.
Some jurisdictions do not allow the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above exclusions or limitations may not apply, and you may have additional rights. Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation.
You agree to defend, indemnify, and hold harmless SEMINARS, its directors, officers, employees, agents, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable legal fees) arising out of or relating to:
This indemnification obligation shall survive the termination of these Terms of Use and your use of the Website. SEMINARS reserves the right to assume exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense of such claims.
The Website may contain references to or links to third-party websites, resources, or services that are not owned or controlled by SEMINARS. These links are provided for informational and educational convenience only and do not constitute an endorsement, approval, or recommendation by SEMINARS of the content, products, or services available through those third-party resources.
We have no control over the content, accuracy, privacy policies, or practices of third-party websites and accept no responsibility for them. You acknowledge and agree that SEMINARS shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any third-party content, goods, or services.
We encourage you to read the terms of use and privacy policies of any third-party websites you visit through links from our Website. Your interactions with third-party websites are governed solely by the terms and policies of those websites.
Your privacy is important to us. The collection, use, and protection of your personal data is governed by our Privacy Policy, which forms an integral part of these Terms of Use. By using the Website and providing personal information through our registration or contact forms, you consent to the practices described in our Privacy Policy.
We collect only the information necessary to provide our educational services, specifically your name and email address for webinar registration purposes. We do not sell or share your personal data with third parties for marketing purposes. For complete details on how we handle your information, please review our Privacy Policy and our Cookies Policy.
These Terms of Use and any disputes arising from or related to them, the Website, or our services shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law provisions. Any legal proceedings must be brought in the courts of England and Wales, and you irrevocably consent to the exclusive jurisdiction of those courts.
If you are a consumer residing in the European Union, you retain any mandatory rights available to you under the consumer protection laws of your country of residence. Nothing in these terms affects your statutory rights as a consumer under applicable local law, and you may bring proceedings in the courts of your country of residence if permitted by applicable consumer protection legislation.
In the event of any dispute, claim, or controversy arising from or relating to these Terms of Use or your use of the Website, we encourage you to first attempt to resolve the matter informally by contacting us at [email protected]. We will make every reasonable effort to address your concern within 30 calendar days of receiving your written communication.
If informal resolution is not successful, any remaining dispute shall be resolved through binding arbitration conducted in London, England, in accordance with the Arbitration Act 1996. The arbitration shall be conducted by a single arbitrator mutually agreed upon by both parties. The language of the arbitration shall be English, and the arbitrator's decision shall be final and binding on both parties.
Notwithstanding the foregoing, either party retains the right to seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party's intellectual property rights.
SEMINARS reserves the right to suspend or terminate your access to the Website and our educational services, without prior notice or liability, for any reason, including but not limited to a breach of these Terms of Use. Upon termination, your right to use the Website will cease immediately.
Grounds for termination include, but are not limited to:
All provisions of these Terms of Use that by their nature should survive termination shall survive, including without limitation ownership provisions, warranty disclaimers, indemnification, and limitations of liability.
We reserve the right to modify, update, or replace these Terms of Use at any time at our sole discretion. When we make material changes, we will update the "Last Updated" date at the top of this page and, where practicable, provide notice through the Website at least 14 days before the changes take effect.
For registered webinar participants, we may also send an email notification regarding significant changes to these terms. It is your responsibility to review these Terms of Use periodically for changes. Changes that are minor or administrative in nature, such as corrections of typographical errors or clarifications that do not alter the substance of the terms, may be made without advance notice.
Your continued use of the Website after any changes to these Terms of Use become effective constitutes your acceptance of those changes. If you do not agree with any revised terms, you should stop using the Website.
The following additional terms apply specifically to participants who register for and attend our webinar sessions:
SEMINARS reserves the right to modify webinar schedules, topics, or guest contributors if necessary due to unforeseen circumstances. Registered participants will be notified of any significant changes via email.
If any provision of these Terms of Use is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, it shall be severed from these terms. The remaining provisions shall continue in full force and effect. The invalidity of any single provision does not affect the validity of the remaining terms.
These Terms of Use, together with our Privacy Policy and Cookies Policy, constitute the entire agreement between you and SEMINARS regarding the use of the Website and supersede all prior and contemporaneous agreements, proposals, or representations, whether written or oral, concerning the subject matter contained herein.
If you have any questions, concerns, or requests regarding these Terms of Use, please contact us using the following details:
SEMINARS
The Website provides educational content only. Materials are not professional advice, product endorsements, or financial guidance. All information is intended for general knowledge and should not replace consultation with qualified professionals. The webinar is provided for educational purposes only. The invited expert participates as a guest contributor.