Terms of Service

1. Acceptance of these terms

AssetCraft Ltd. provides educational content and tools through this website located at assetcraft.co.uk. By accessing or using any part of the site, you confirm that you accept these Terms of Service and agree to comply with them. You must be at least 18 years old to purchase courses or submit any paid order. Individuals aged 16 or 17 may browse free educational content only with the consent and supervision of a parent or legal guardian, and must not enter into paid transactions. If you use the site on behalf of a company or organisation, you represent that you have authority to bind that entity. If you do not meet these requirements or disagree with any part of the terms, you must not use the site.

2. What AssetCraft provides

AssetCraft is an education-first platform focused on financial literacy. We publish plain-language guides, interactive calculators, and self-paced courses that help users understand concepts such as compounding, budgeting, diversification, and risk. We do not provide personalised financial advice, brokerage services, portfolio management, or tax or legal services. Calculators and examples are illustrative and depend on inputs and assumptions that may not reflect your circumstances. Any paid courses grant access to instructional materials and templates, not to advisory services. We may update, improve, or discontinue features from time to time. We make reasonable efforts to keep content current and accurate, but we do not promise that materials are complete, error free, or suitable for your objectives.

3. Your responsibilities and acceptable use

You agree to use the site only for lawful purposes and in accordance with these terms. You will not: copy, scrape, or harvest content at scale; attempt to reverse engineer, decompile, or otherwise extract source code from the site; interfere with security features or impose an unreasonable load on our infrastructure; upload, transmit, or share any content that is unlawful, defamatory, misleading, infringing, or harmful; impersonate any person or entity or misrepresent your affiliation; or use automated bots to access features without our prior written permission. Where we enable account creation for courses, you agree to provide accurate information, keep your credentials secure, and maintain only one account per individual. You are responsible for all activity under your account and for compliance with applicable laws and regulations in your jurisdiction.

4. Intellectual property and permitted license

All content on the site, including text, graphics, logos, icons, images, videos, software, and design elements, is owned by or licensed to AssetCraft Ltd. and is protected by copyright, trademark, and other intellectual property laws. AssetCraft and associated logos are trademarks of AssetCraft Ltd. We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the site for your personal, non-commercial use, subject to these terms. Except where permitted by law or by a clear open license notice we publish on a specific asset, you must not reproduce, distribute, modify, create derivative works, publicly display, or exploit any part of the content without our prior written consent.

5. Prohibited activities

In addition to the obligations above, you must not: use the site to send unsolicited communications or spam; introduce malware, ransomware, or other harmful code; attempt to gain unauthorised access to user data, accounts, or systems; remove, obscure, or alter any copyright or attribution notices; use framing, scraping, or similar techniques to present the site as part of another service; resell, rent, or sublicense access to the site or to course materials; or collect information about other users for commercial purposes without their consent. If you encounter a potential vulnerability, you may responsibly disclose it to us rather than publicly posting details that could put users at risk. We reserve the right to investigate and take action against any prohibited conduct.

6. Educational disclaimer and no financial advice

AssetCraft is an educational resource. Nothing on the site constitutes investment, financial, legal, accounting, or tax advice, and no fiduciary relationship is created between you and AssetCraft. Decisions about saving and investing involve risk, including potential loss of capital. Past performance does not predict future results. Any examples, rates of return, or projections shown in guides or calculators are hypothetical and for illustration only. You are solely responsible for evaluating information on the site and for deciding whether and how to apply it. Where appropriate, consider seeking advice from a regulated adviser in your jurisdiction who can assess your personal circumstances.

7. Disclaimer of warranties

The site and all content and features are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, AssetCraft disclaims all warranties, representations, and conditions, whether express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, non-infringement, and uninterrupted service. We do not warrant that the site will be secure, error free, or available at any particular time, or that defects will be corrected. You assume all risk for your use of the site and any content you access or download.

8. Limitation of liability

To the maximum extent permitted by law, AssetCraft Ltd., its directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or business opportunities, arising out of or related to your use of the site or these terms, even if we have been advised of the possibility of such damages. Our total aggregate liability for any and all claims arising from or relating to the site or these terms shall not exceed the greater of the amount you paid to AssetCraft in the twelve months preceding the event giving rise to the claim or €100, whichever is lower. Nothing in these terms excludes liability that cannot be limited under law.

9. Indemnification

You agree to defend, indemnify, and hold harmless AssetCraft Ltd. and its directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your breach of these terms, your misuse of the site, your violation of law, or your infringement of any third party rights. We reserve the right to assume exclusive defence and control of any matter subject to indemnification by you, in which case you agree to cooperate with our reasonable requests.

10. Third party links and services

The site may reference or link to third party websites, tools, or resources. These are provided for convenience and informational purposes. AssetCraft does not control and is not responsible for the content, policies, or practices of any third party. Links do not imply endorsement. Your use of third party services, including any payment processing, email delivery, or analytics providers, is subject to the terms and privacy notices of those third parties, and you should review them carefully.

11. Payments, refunds, and access

If you purchase access to a course, fees will be displayed before checkout and processed by an independent payment processor. Taxes may apply depending on your location. Unless we state otherwise at the point of sale, course purchases are for individual, non-transferable access and may not be shared. We aim to provide immediate access upon confirmed payment. If technical issues prevent access, contact us so we can assist. Where a refund policy is offered for a specific course, its conditions and time limits will be shown at checkout and will apply in addition to these terms. Nothing in this section restricts your statutory rights.

12. Privacy and cookies

Your privacy matters to us. Our data practices, including what we collect, how we use it, and your rights, are described in our Privacy Policy, which is incorporated into these terms by reference. Cookies and similar technologies may be used to operate the site, remember preferences, and measure aggregated usage. You can review details and manage consent using the controls described in the Privacy Policy. By using the site after providing consent where required, you agree to our use of cookies in line with your selections.

Read the full policy here: Privacy Policy.

13. Governing law and jurisdiction

These terms and any dispute or claim arising out of or in connection with them or their subject matter shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law rules. The courts of London, United Kingdom, shall have exclusive jurisdiction to settle any dispute or claim arising out of or relating to these terms or the site, subject to the informal resolution process below.

14. Dispute resolution

Before filing any claim, you agree to contact AssetCraft and allow a good faith period of thirty days to attempt informal resolution. Please include a description of the issue, your contact details, and any supporting information. If the dispute is not resolved within thirty days of our receipt, either party may bring a claim in the courts identified above. Nothing in this section prevents either party from seeking interim or injunctive relief to protect rights or data. Any claim must be brought within one year after the cause of action accrues unless a longer period is required by law.

15. Suspension and termination

We may suspend or terminate access to the site or any account you hold if we reasonably believe you have violated these terms, engaged in fraudulent or unlawful activity, or created security risks. We may do so with or without prior notice where permitted by law. Upon termination, the license granted to you under these terms ends, and you must stop using the site and any materials that are not covered by an open license. Sections that by their nature should survive termination will survive, including intellectual property, disclaimers, limitation of liability, indemnification, governing law, and dispute resolution.

16. Changes to these terms

We may update these terms to reflect changes to our services, legal requirements, or business practices. Changes will take effect fourteen days after posting the revised terms on this page, unless a different effective date is stated. If we make material changes, we will take reasonable steps to notify you, such as by displaying a banner on the site or emailing users who have provided contact details. Your continued use of the site after the effective date of changes constitutes acceptance of the revised terms.

Last Updated: January 15, 2026

17. Contact and legal notices

AssetCraft Ltd., 12 Baker Street, London, W1U 3BH, United Kingdom. For legal notices or questions about these terms, email [email protected]. If your query concerns privacy, email [email protected]. We aim to respond promptly and will confirm receipt of formal notices sent to our contact email.