Terms and Conditions - Life After Arrival

Last Updated: 27th May 2025

By accessing our website, purchasing our products, or using our services, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our services.

These Terms apply to all visitors, users, customers, and others who access or use the services provided by Life After Arrival, operated by Funmi Akande ("we," "us," or "our").

Definitions

"Services" includes our website, courses, coaching programmes, educational materials, consultations, and all related content
"Products" refers to digital courses, masterclasses, coaching programmes, and educational resources
"User," "you," or "your" refers to the individual accessing or using our Services
"Content" includes all text, graphics, videos, audio, software, and other materials available through our Services

Services Overview

Educational Services

We provide financial education and clarity coaching including:

Digital courses and masterclasses
Group coaching programmes
One-to-one coaching sessions
Educational content and resources
The Clarity Framework methodology

User Eligibility and Registration

Age Requirements

You must be at least 18 years of age to use our Services
By using our Services, you represent that you meet this age requirement

Account Registration

You may need to create an account to access certain Services
You are responsible for maintaining the confidentiality of your account credentials
You agree to provide accurate and complete information during registration
You must notify us immediately of any unauthorised use of your account

Geographic Limitations

Our Services are primarily designed for UK residents
Content focuses on UK financial systems and regulations
Users from other jurisdictions should seek local professional advice

Payment Terms

Pricing and Fees

All prices are displayed in British Pounds (£) and include VAT where applicable
Prices are subject to change with reasonable notice
Special offers and discounts are time-limited and subject to specific terms

Payment Processing

Payments are processed securely through third-party payment processors
We accept major credit cards, debit cards, and other payment methods as displayed
Payment must be received in full before access to paid Services is granted

Subscription Services

For recurring subscription services:

Payments will be charged automatically on the billing cycle specified
You can cancel subscriptions through your account settings or by contacting us
Cancellation takes effect at the end of the current billing period

Currency and Taxes

All transactions are processed in British Pounds (£)
VAT is included in prices where applicable
International customers are responsible for any additional taxes or duties

Refund Policy

Digital Products and Courses

Due to the digital nature of our products:

No refunds are available for digital courses, masterclasses, or downloadable content once access has been granted
All sales are final upon purchase and delivery
We encourage you to review course descriptions and previews carefully before purchasing
Free previews or consultations may be available to help you make informed decisions

Coaching Services

One-to-One Coaching: 48-hour cancellation policy for individual sessions
Sessions cancelled with less than 48 hours notice will be charged in full
Group Programmes: No refunds after the programme has commenced, but reasonable accommodations may be made for exceptional circumstances

Exceptional Circumstances

We may consider refunds outside these terms for:

Technical issues preventing access to purchased content
Serious illness or bereavement
Other extraordinary circumstances at our discretion

Non-Refundable Items

All digital products and downloadable content
Completed coaching sessions
Services used beyond the cancellation period

Intellectual Property Rights

Our Content

All content provided through our Services is protected by copyright and other intellectual property laws:

Course materials, videos, worksheets, and frameworks belong to Life After Arrival
The Clarity Framework methodology is our proprietary system
You may not reproduce, distribute, or create derivative works without written permission

Your License to Use

We grant you a limited, non-exclusive, non-transferable license to:

Access and use purchased content for personal use only
Download materials for your own learning and implementation
Apply concepts learned to your personal financial situation

Restrictions

You may not:

Share login credentials or course access with others
Record, copy, or distribute our content without permission
Use our content for commercial purposes without authorisation
Reverse engineer or attempt to extract proprietary methodologies

User-Generated Content

If you provide testimonials, feedback, or other content:

You grant us permission to use it for marketing purposes
You confirm you have the right to provide such content
We may edit content for length and clarity while maintaining accuracy

Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices.

User Conduct and Responsibilities

Acceptable Use

You agree to use our Services in a manner that is:

Legal and in compliance with all applicable laws
Respectful of other users and our team
Consistent with the educational purpose of our Services
In line with community standards of decency and respect

Prohibited Activities

You may not:

Use our Services for any illegal or unauthorised purpose
Harass, abuse, or harm other users or our team
Share inappropriate, offensive, or discriminatory content
Attempt to hack, disrupt, or compromise our Services
Share false or misleading information about our Services

Community Guidelines

In our coaching programmes and online communities:

Maintain respectful and supportive communication
Protect the privacy and confidentiality of other participants
Focus discussions on relevant educational topics
Follow guidance from moderators and coaches

Service Availability and Technical Issues

Website and Platform Access

We strive to maintain consistent access to our Services
Occasional downtime may occur for maintenance or technical issues
We are not liable for temporary unavailability of Services

Technical Requirements

You are responsible for ensuring your device and internet connection meet requirements
We recommend updated browsers and stable internet for optimal experience
Technical support is provided on a reasonable effort basis

Content Updates

Course content may be updated to reflect current information and best practices
Existing customers receive updates at no additional charge
We reserve the right to modify content to maintain accuracy and relevance

Limitation of Liability

Educational Nature

Our Services are educational in nature. We are not liable for:

Financial decisions made based on our educational content
Investment losses or poor financial outcomes
Failure to achieve specific financial goals
Consequences of not seeking appropriate professional advice

Maximum Liability

Our total liability for any claims arising from our Services shall not exceed the amount you paid for the specific Service giving rise to the claim.

Exclusions

We are not liable for:

Indirect, consequential, or special damages
Loss of profits, business, or opportunities
Technical issues beyond our control
Third-party actions or content

Indemnification

You agree to indemnify and hold harmless Life After Arrival and Funmi Akande from any claims, damages, or expenses arising from:

Your use of our Services
Your violation of these Terms
Your violation of any rights of another party
Any content you provide to us

Termination

Your Right to Terminate

You may discontinue using our Services at any time
You may close your account by contacting us
Termination does not entitle you to refunds except as outlined in our Refund Policy

Our Right to Terminate

We may terminate or suspend your access to our Services if:

You violate these Terms or our community guidelines
You engage in fraudulent or illegal activity
You abuse or harass our team or other users
We discontinue Services (with reasonable notice)

Effect of Termination

Upon termination:

Your access to our Services will cease
Downloaded materials may continue to be used in accordance with these Terms
Certain provisions of these Terms will survive termination

Dispute Resolution

Governing Law

These Terms are governed by the laws of England and Wales.

Jurisdiction

Any disputes arising from these Terms or our Services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Alternative Dispute Resolution

Before pursuing formal legal action, we encourage:

Direct communication to resolve issues
Mediation through a mutually agreed mediator
Reference to relevant professional bodies for regulated services

Complaints Procedure

For complaints about our Services:

Contact us directly at info@lifeafterarrival.co.uk
Allow 10 business days for initial response
We will work with you to resolve any issues fairly and promptly

General Provisions

Entire Agreement

These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and Life After Arrival.

Amendments

We may update these Terms periodically
Material changes will be notified via email or website notice
Continued use of Services after changes constitutes acceptance
You should review Terms regularly

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision.

Assignment

You may not assign your rights under these Terms without our written consent
We may assign our rights to a successor or affiliate with notice to you

Force Majeure

We are not liable for any failure to perform due to circumstances beyond our reasonable control, including natural disasters, pandemics, or government actions.

Professional Standards

We adhere to professional standards and regulations applicable to our services, maintaining appropriate qualifications and continuing professional development.

Professional Bodies

We maintain memberships with relevant professional bodies and adhere to their codes of conduct.

Continuing Education

We commit to ongoing professional development to maintain the quality and currency of our Services.

Contact Information

For questions about these Terms or our Services:

Life After Arrival
Email: info@lifeafterarrival.co.uk
Website: www.lifeafterarrival.co.uk

Acknowledgment

By using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.