Terms of Use

1. Acceptance of Terms

Welcome to the Cats and Meditation: How Purring Improves Mental Health website, operated by FINANCIAL SEMINARS LTD ("we," "our," or "us"), a company registered in the United Kingdom with its registered address at Gable Cottage, Park Place, Ashton Keynes, SWINDON, SN6 6NT, United Kingdom.

By accessing this website, browsing its pages, registering for our webinar series, or otherwise using any of the services or content available through this site, you ("user," "you," or "your") confirm that you have read, understood, and agree to be bound by these Terms of Use, together with our Privacy Policy and Cookies Policy. If you do not agree with any part of these terms, you must immediately cease using this website.

You must be at least 16 years of age to use this website and to register for our webinar series. If you are under 16, you may only access this website with the involvement and consent of a parent or legal guardian. By using this site, you represent and warrant that you meet this minimum age requirement.

These Terms of Use constitute a legally binding agreement between you and FINANCIAL SEMINARS LTD. Your continued use of this website following the posting of any changes to these terms constitutes your acceptance of those changes, provided that we have given reasonable notice as described in Section 13 below.

2. Description of Services

FINANCIAL SEMINARS LTD provides educational content related to mental wellness, mindfulness, meditation practices, and the therapeutic benefits of cats. Through this website, we offer access to information about our free online webinar series titled "Cats and Meditation: How Purring Improves Mental Health," along with supporting educational resources, research references, and registration facilities for our webinar sessions.

Our services include, but are not limited to:

• Hosting of a two-session educational webinar series focused on feline-assisted meditation and stress reduction techniques.
• Providing online registration for the webinar series at no cost to participants.
• Publishing educational articles, research summaries, and program details related to the therapeutic benefits of cats and purring on mental health.
• Delivering webinar session links and scheduling information to registered participants via email.

The website provides educational content only. The webinar series and all associated materials are designed to offer general knowledge about the intersection of feline companionship, meditation, and mental wellness. None of the content on this site constitutes:

• Professional medical, psychological, or therapeutic advice
• Product endorsements or commercial promotions
• Financial guidance or investment recommendations
• A substitute for consultation with qualified healthcare professionals

Participants and visitors are encouraged to consult with qualified professionals for any specific health, psychological, or medical concerns. FINANCIAL SEMINARS LTD does not establish a professional-client relationship with any website visitor or webinar attendee.

3. User Obligations

As a user of this website and a potential participant in our webinar series, you agree to use the site and all associated services solely for lawful purposes and in a manner consistent with these Terms of Use. Specifically, you agree not to:

• Use this website for any purpose that violates applicable local, national, or international laws or regulations.
• Attempt to gain unauthorized access to any portion of this website, its servers, databases, or any connected networks or systems.
• Use automated tools, bots, scrapers, or similar technologies to extract, copy, or monitor content from this website without our prior written consent.
• Impersonate any person or entity, or falsely represent your affiliation with any person, organization, or entity when registering or communicating through this site.
• Upload, transmit, or distribute any viruses, malware, or other harmful software through forms, communications, or any other means available on the site.
• Interfere with or disrupt the operation of the website, including its servers and networks, or attempt to circumvent any security features.
• Reproduce, redistribute, or commercially exploit any content from this website without prior written authorization from FINANCIAL SEMINARS LTD.
• Use the webinar registration process to collect, store, or share personal data of other participants.
• Engage in any activity that could damage the reputation of FINANCIAL SEMINARS LTD or its partners, collaborators, or guest contributors.

You are responsible for ensuring that any information you provide through this website, including during webinar registration, is accurate, complete, and current. You are also responsible for maintaining the confidentiality of any webinar access links sent to you and for all activities that occur under your registration.

4. Intellectual Property

All content published on this website, including but not limited to text, graphics, images, logos, icons, audio, video, webinar recordings, presentations, research summaries, and software, is the property of FINANCIAL SEMINARS LTD or its content suppliers and is protected by United Kingdom and international copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use this website and its content for personal, non-commercial, educational purposes only. This license does not include permission to:

• Copy, reproduce, or duplicate any portion of this website's content for distribution to third parties
• Modify, adapt, translate, or create derivative works based on the website's content
• Sell, license, rent, or otherwise commercially exploit the content
• Remove or alter any copyright notices, trademarks, or proprietary designations from the content
• Frame, mirror, or use any portion of this website on another website without explicit written permission

Webinar recordings, when made available, are provided for personal viewing only. Recording, screen capturing, or redistribution of webinar sessions by participants is strictly prohibited. The "Cats and Meditation" name, logo, and associated branding elements are trademarks of FINANCIAL SEMINARS LTD. Any unauthorized use of these marks is strictly prohibited.

5. Disclaimers

This website and all content, services, and materials provided through it are made available on an "as is" and "as available" basis, without warranties of any kind, either express or implied. FINANCIAL SEMINARS LTD does not warrant that:

• The website will be available at all times, uninterrupted, or free from errors, viruses, or other harmful components.
• The content is accurate, complete, current, reliable, or suitable for any particular purpose.
• Any specific results or outcomes will be achieved by following the techniques, practices, or information discussed in the webinar or on the website.
• The website or servers are free from defects or security vulnerabilities.

The educational content provided on this website and during our webinar series is based on publicly available research and the professional opinions of invited guest contributors. Research in the fields of animal-assisted therapy, meditation, and mental wellness is ongoing, and findings may evolve over time. We make reasonable efforts to present accurate information but cannot guarantee that all details reflect the very latest developments in these fields.

Individual experiences may vary. The information shared through this platform should not be used as a replacement for professional advice. If you have specific health, psychological, or medical concerns, please consult with a qualified professional in the relevant field before acting on any information provided through our website or webinar.

6. Limitation of Liability

To the fullest extent permitted by applicable law, FINANCIAL SEMINARS LTD, its directors, officers, employees, affiliates, agents, contractors, and licensors shall not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages arising from or related to your use of, or inability to use, this website or the webinar series. This includes, without limitation:

• Loss of profits, revenue, data, goodwill, or other intangible losses
• Damages resulting from reliance on any content or information obtained through this website or webinar
• Damages resulting from unauthorized access to or alteration of your transmissions or data
• Damages resulting from technical failures, server downtime, or connectivity issues
• Personal injury or emotional distress arising from the use or application of techniques discussed during the webinar

In any event, the total cumulative liability of FINANCIAL SEMINARS LTD to you for all claims arising from or related to this website and the webinar series shall not exceed one hundred British pounds (GBP 100.00). This limitation applies regardless of the theory of liability, whether in contract, tort (including negligence), strict liability, or any other legal theory.

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any matter for which it would be illegal to exclude or limit liability under the laws of England and Wales.

7. Indemnification

You agree to indemnify, defend, and hold harmless FINANCIAL SEMINARS LTD, its directors, officers, employees, agents, affiliates, successors, and assigns from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with:

• Your use of this website or participation in the webinar series in a manner that violates these Terms of Use
• Your violation of any applicable law, regulation, or right of any third party
• Any content or information you submit, transmit, or share through this website
• Your negligent or wrongful actions in connection with the use of this website
• Any unauthorized use of your registration credentials by a third party, unless such use was caused by our failure to maintain reasonable security measures

This indemnification obligation will survive the termination of these Terms of Use and your cessation of use of the website.

8. Third-Party Links and Resources

This website may contain references to academic journals, research publications, and external educational resources related to the topics covered in our webinar series. These references are provided for informational and educational purposes to support the research-based nature of our content.

FINANCIAL SEMINARS LTD does not control, endorse, or assume responsibility for the content, accuracy, privacy practices, or availability of any third-party websites, publications, or resources that may be referenced or linked from this site. Accessing any third-party resource is done at your own risk and is subject to the terms and conditions of that external resource.

The inclusion of any reference to a third-party publication, journal, or resource does not imply that FINANCIAL SEMINARS LTD has a formal partnership, affiliation, or endorsement arrangement with the publisher, institution, or author of that resource. These references are provided solely to acknowledge the academic foundations upon which our educational content is built.

9. Privacy

Your privacy is important to us. The collection, use, storage, and protection of your personal data are governed by our Privacy Policy, which forms an integral part of these Terms of Use. By using this website and registering for our webinar, you acknowledge that you have read and understood our Privacy Policy.

We collect only the data necessary for organizing webinar registration and delivering webinar-related communications to you. Specifically, we collect your name and email address when you register for our webinar. We do not sell, rent, or share your personal data with third parties for marketing or commercial purposes.

For detailed information about cookies and tracking technologies used on this website, please refer to our Cookies Policy.

10. Governing Law and Jurisdiction

These Terms of Use, and any disputes or claims arising out of or in connection with them, their subject matter, or their formation (including non-contractual disputes or claims), shall be governed by and construed in accordance with the laws of England and Wales.

The courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms of Use, their subject matter, or their formation. However, if you are a consumer residing in a member state of the European Union, you may also bring proceedings in the courts of your country of residence, and you will benefit from any mandatory provisions of the law of your country of residence that cannot be excluded by contract.

If any provision of these Terms of Use is found by a court of competent jurisdiction to be invalid, unlawful, or unenforceable, that provision shall be severed from these terms, and the remaining provisions shall continue in full force and effect.

11. Dispute Resolution

In the event of any dispute, claim, or disagreement arising from or relating to these Terms of Use, the use of this website, or participation in the webinar series, you agree to first attempt to resolve the matter informally by contacting FINANCIAL SEMINARS LTD at [email protected].

We will make reasonable efforts to respond to your concern within 14 business days of receiving your communication. Both parties agree to engage in good faith to resolve any dispute informally before pursuing any formal legal action. This informal resolution period shall last for a minimum of 30 calendar days from the date we acknowledge receipt of your dispute notice.

If the dispute cannot be resolved informally within the 30-day period, either party may pursue resolution through the courts of England and Wales, as specified in Section 10 of these terms. EU consumers also retain the right to use the European Commission's Online Dispute Resolution platform, accessible at the European Commission website, for disputes related to online purchases or services.

Nothing in this section shall prevent either party from seeking injunctive or equitable relief from a court of competent jurisdiction for the purpose of protecting intellectual property rights or preventing irreparable harm.

12. Termination

FINANCIAL SEMINARS LTD reserves the right, at its sole discretion, to suspend, restrict, or terminate your access to this website and any associated services, including webinar registration and participation, at any time and without prior notice, if we reasonably believe that:

• You have violated any provision of these Terms of Use
• Your actions may cause legal liability for you, for other users, or for FINANCIAL SEMINARS LTD
• Your behavior is disruptive to the webinar experience for other participants
• You have provided false, misleading, or inaccurate information during registration
• Continued provision of services to you is no longer commercially or operationally viable

Upon termination, your right to use the website and participate in upcoming webinar sessions will cease immediately. Any provisions of these Terms of Use that by their nature should survive termination shall continue to apply, including but not limited to Sections 4 (Intellectual Property), 5 (Disclaimers), 6 (Limitation of Liability), 7 (Indemnification), and 10 (Governing Law).

You may voluntarily cease using this website at any time. If you wish to have your registration data deleted, please contact us at [email protected], and we will process your request in accordance with our Privacy Policy.

13. Changes to These Terms

FINANCIAL SEMINARS LTD reserves the right to modify, amend, or update these Terms of Use at any time. When we make changes, we will update the "Last Updated" date at the top of this page to reflect the date of the most recent revision.

For material changes that significantly affect your rights or obligations under these terms, we will provide at least 14 days' advance notice before the changes take effect. This notice may be provided by posting a prominent notification on the website's homepage or by sending an email to registered users at the address associated with their webinar registration.

Your continued use of this website after any changes to these Terms of Use take effect constitutes your acceptance of those changes. If you do not agree with the revised terms, you should stop using the website and may contact us to request deletion of your registration data.

We encourage you to periodically review these Terms of Use to stay informed about the conditions governing your use of this website. The most current version of these terms will always be available at this page.

14. Contact Information

If you have questions, concerns, or requests regarding these Terms of Use, please contact us using the information below. We aim to respond to all inquiries within 10 business days.