Terms of Service

GENERAL INFORMATION

This website is operated by:

FP Institut d’Estudis Financers

Josep Tarradellas, 123, 2nd Floor

08029 – Barcelona

C.I.F.: G – 59.190.850

Registered with number 533 in the Registry of Foundations of the Generalitat of Catalonia, by resolution of May 29, 1991, and classified as a cultural charitable foundation.

Throughout this site, the terms “we,” “us,” and “our” refer to FP Institut d’Estudis Financers. FP Institut d’Estudis Financers provides this website, including all information, tools, and services available to you on this site, the user, subject to acceptance of all the terms, conditions, policies, and notices stated herein.

By visiting our site and/or purchasing something from us, you engage in our “Service” and agree to the following terms and conditions (“Terms of Service,” “Terms”), including all additional terms and conditions and policies referenced herein and/or available through hyperlinks. These Terms of Service apply to all users of the site, including but not limited to users who are browsers, vendors, customers, merchants, and/or content contributors.

Please read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the site, you agree to the Terms of Service. If you do not agree to all the terms and conditions of this agreement, then you should not access the website or use any of the services. If the Terms of Service are considered an offer, acceptance is expressly limited to these Terms of Service.

Any new features or tools added to the current store will also be subject to the Terms of Service. You can review the updated version of the Terms of Service at any time on this page. We reserve the right to update, change, or replace any part of the Terms of Service by posting updates and/or changes on our website. It is your responsibility to check this page periodically for changes. Your continued use or access to the website after any changes are posted constitutes acceptance of those changes.

SECTION 1 – ONLINE STORE TERMS

By using this site, you declare that you are at least the age of majority in your state or province of residence, or that you are of legal age in your state or province of residence and that you have given us your consent to allow any of your minor dependents to use this site.

You may not use our products for any illegal or unauthorized purpose. You also may not, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws).

You must not transmit worms, viruses, or any code of a destructive nature.

Failure to comply with or violation of any of these Terms will result in immediate termination of your Services.

SECTION 2 – GENERAL CONDITIONS

We reserve the right to refuse service to anyone, for any reason, at any time.

You understand that your content (excluding your credit card information) may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform or adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks.

You agree not to reproduce, duplicate, copy, sell, resell, or exploit any part of the Service, the use of the Service, or access to the Service or any contact on the website through which the service is provided, without express written permission from us.

The headings used in this agreement are included for convenience only and do not limit or affect these Terms.

SECTION 3 – ACCURACY, COMPLETENESS, AND TIMELINESS OF INFORMATION

We are not responsible if the information available on this site is not accurate, complete, or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for decision-making without consulting more precise, complete, or timely information first. Any reliance on the material on this site is at your own risk.

This site may contain certain historical information. Historical information is not necessarily current and is provided for your reference only. We reserve the right to modify the contents of this site at any time, but we have no obligation to update any information on our site. You agree that it is your responsibility to monitor changes on our site.

SECTION 4 – CHANGES TO SERVICE AND PRICES

The prices of our products are subject to change without notice.

We reserve the right to modify or discontinue the Service (or any part of the content) at any time without prior notice. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Service.

SECTION 5 – PRODUCTS OR SERVICES (if applicable)

Certain products or services may be available exclusively online through the website. These products or services may have limited quantities and are subject to return or exchange only according to our return policy.

We have made efforts to display products in the store as accurately as possible.

We reserve the right, but are not obligated, to limit the sales of our products or services to any person, geographic region, or jurisdiction. We may exercise this right on a case-by-case basis. We reserve the right to limit the quantities of products or services that we offer. All product descriptions or product prices are subject to change at any time without prior notice, at our sole discretion. We reserve the right to discontinue any product at any time. Any offer for a product or service made on this site is void where prohibited.

We do not guarantee that the quality of products, services, information, or other material purchased or obtained by you will meet your expectations, or that any errors in the Service will be corrected.

SECTION 6 – ACCURACY OF BILLING AND ACCOUNT INFORMATION

We reserve the right to refuse any order you place with us. We may, at our discretion, limit or cancel quantities purchased per person, per household, or per order. These restrictions may include orders placed by or under the same customer account, the same credit card, and/or orders using the same billing and/or shipping address.

If we make a change to or cancel an order, we may attempt to notify you by contacting you via email and/or billing address/phone number provided at the time the order was made.

You agree to provide current, complete, and accurate purchase and account information for all purchases made at our store. You agree to promptly update your account and other information, including your email address and credit card numbers and expiration dates, so that we can complete your transactions and contact you when necessary.

SECTION 7 – PAYMENT AND RETURN POLICY

Cancellation of enrollment

Once admitted to the program, any withdrawal from the course must be communicated to IEF at least five days prior to its start date.

Refunds and returns for in-person and/or streaming courses

In the event of course cancellation by IEF, a full refund will be automatically processed and credited to the bank account or credit card used when registering.

If withdrawal occurs up to 5 calendar days before the course start date, cancellation of enrollment is possible through a formal written communication. After this date, full payment is due, and IEF reserves the right not to refund any amounts already paid.

For voluntary withdrawal up to a maximum of 10 calendar days after the course start, 20% of the enrollment fee will be deducted. If the period exceeds 10 calendar days, no refund will be issued.

In the case of justified withdrawal (voluntary within the deadline, or beyond deadline due to justified force majeure), the remaining amount will be reserved for future calls or training sessions.

Refunds and returns for online courses

In the event of course cancellation by IEF, a full refund will be automatically processed and credited to the bank account used when registering.

For voluntary withdrawal once the course has started, no refund will be given.

In the case of justified withdrawal (voluntary within the deadline, or beyond deadline due to justified force majeure), the remaining amount will be reserved for future calls or training sessions.

SECTION 8 – OPTIONAL TOOLS

We may provide you with access to third-party tools which we do not monitor and over which we have no control or input.

You acknowledge and agree that we provide access to such tools “as is” and “as available” without any warranties, representations, or conditions of any kind and without any endorsement. We shall have no liability arising from or related to your use of any third-party tools provided.

Any use of optional tools offered through the site is at your own risk and discretion, and you should ensure you are familiar with and approve the terms under which these tools are provided by the third-party provider(s).

It is also possible that in the future we may offer new services and/or features through the website (including the launch of new tools and resources). These new features and/or services shall also be subject to these Terms of Service.

SECTION 9 – THIRD-PARTY LINKS

Certain content, products, and services available via our Service may include materials from third parties.

Third-party links on this site may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy and do not guarantee and will not have any liability or responsibility for any third-party materials or websites, or for any materials, products, or services of third parties.

We are not responsible for any damage or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with third-party websites. Please review carefully the third-party policies and practices and ensure you understand them before engaging in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third party.

SECTION 10 – USER COMMENTS, SUBMISSIONS, AND OTHER SUBMISSIONS

If, at our request, you send certain specific submissions (for example participation in contests) or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, “comments”), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate, or otherwise use any comments that you forward to us. We have no obligation (1) to maintain any comments in confidence; (2) to pay compensation for any comments; or (3) to respond to any comments.

We may, but have no obligation to, monitor, edit, or remove content that we determine in our sole discretion is unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene, or otherwise objectionable or violates any party’s intellectual property or these Terms of Service.

You agree that your comments will not violate any rights of third parties, including copyright, trademark, privacy, personality, or other personal or proprietary rights. You further agree that your comments will not contain libelous or otherwise unlawful, abusive, or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service or any related website. You may not use a false email address, pretend to be someone other than yourself, or otherwise mislead us or third parties as to the origin of any comments. You are solely responsible for any comments you make and their accuracy. We do not assume any responsibility and disclaim all liability for any comments posted by you or any third party.

SECTION 11 – PERSONAL INFORMATION

Your submission of personal information through the site is governed by our Privacy Policy.

SECTION 12 – ERRORS, INACCURACIES, AND OMISSIONS

From time to time there may be information on our site or in the Service that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers, and availability. We reserve the right to correct any errors, inaccuracies or omissions and to change or update information or cancel orders if any information in the Service or on any related website is inaccurate at any time without prior notice (including after you have submitted your order).

We do not assume any obligation to update, amend or clarify information in the Service or on any related website, including pricing information, except as required by law. No specified update or refresh date applied in the Service or on any related website should be taken to indicate that all information in the Service or on any related website has been modified or updated.

SECTION 13 – PROHIBITED USES

In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using the site or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe or violate our intellectual property rights or those of third parties; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, nationality, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that is or may be used in any way that could affect the functionality or operation of the Service or any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet. We reserve the right to suspend your use of the Service or any related website for violating any of the prohibited uses.

SECTION 14 – DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY

We do not guarantee or warrant that your use of our service will be uninterrupted, timely, secure, or error-free.

We do not guarantee that the results that may be obtained from the use of the service will be accurate or reliable.

You agree that from time to time we may remove the service for indefinite periods or cancel the service at any time, without notice.

You expressly agree that your use of, or inability to use, the service is at your sole risk. The service and all products and services delivered to you through the service are (except as expressly stated by us) provided ‘as is’ and ‘as available’ for your use, without any representation, warranties, or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, fitness for a particular purpose, durability, title, and non-infringement.

In no event shall FP Institut d’Estudis Financers, nor its directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any damages whatsoever, including but not limited to any direct, indirect, incidental, punitive, special, consequential damages, or damages for loss of profits, revenue, data or use, incurred by you or any third party, whether in an action in contract or tort (including negligence) or otherwise, arising from your access to, or use of, the service or any products procured using the service, or for any other claim related in any way to your use of the service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the service or any content (or product) posted, transmitted, or otherwise made available via the service, even if advised of their possibility. Because some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you.

SECTION 15 – INDEMNIFICATION

You agree to indemnify, defend, and hold harmless FP Institut d’Estudis Financers and our parent companies, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensees, service providers, subcontractors, suppliers, interns, and employees from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your breach of these Terms of Service or the documents incorporated by reference, or violation of any law or the rights of a third party.

SECTION 16 – SEVERABILITY

If any provision of these Terms of Service is found to be unlawful, void, or unenforceable, that provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed severed from these Terms of Service, which shall remain in full effect.

SECTION 17 – TERMINATION

The obligations and liabilities of the parties incurred prior to the termination date shall survive termination of this agreement for all purposes.

These Terms of Service are effective unless and until terminated by you or us. You may terminate these Terms of Service at any time by notifying us that you no longer wish to use our services, or when you cease using our site.

If, in our sole judgment, you fail, or we suspect that you have failed, to comply with any term or provision of these Terms of Service, we may also terminate this agreement at any time without notice, and you will remain liable for all amounts due up to and including the termination date; and/or accordingly we may deny you access to our services (or any part thereof).

SECTION 18 – ENTIRE AGREEMENT

Our failure to enforce or exercise any right or provision of these Terms of Service shall not constitute a waiver of such right or provision.

These Terms of Service and any policies or operating rules posted by us on this site or in respect to the Service constitute the entire agreement and understanding between you and us and govern your use of the Service, superseding any prior or contemporaneous agreements, communications, and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service).

Any ambiguity in the interpretation of these Terms of Service shall not be construed against the drafting party.

SECTION 19 – GOVERNING LAW

These Terms of Service and any separate agreements whereby we provide you services shall be governed by and construed in accordance with the laws of C/ Josep Tarradellas, 123, 2n, Barcelona, CT, 08029, Spain.

SECTION 20 – CHANGES TO TERMS OF SERVICE

You can review the most current version of the Terms of Service at any time on this page.

We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes on our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service after any such changes constitutes acceptance of those changes.

SECTION 21 – CONTACT INFORMATION

Questions about the Terms of Service should be sent to befinance@bfs-ief.com