Terms of Use and Membership

Welcome to Invest and Learn. These terms explain the agreement between you and us when you use our website, create an account, become a member, join our community or book a 1:1 session. We've tried to keep them clear and fair. Please read them. If anything is unclear, just ask us at hello@investandlearn.co.uk.

1. About us

Invest and Learn is a trading name of Invest & Learn Ltd, a company registered in England and Wales (company number 17445670), registered office 2 Cargy Close, Cubert, Newquay, England, TR8 5EJ ("we", "us", "our"). Invest and Learn is led by Matthew Bain ("Matt").

Contact: hello@investandlearn.co.uk.

2. These terms

2.1 By creating an account, buying a membership or booking a session, you agree to these terms. Our Privacy Policy explains how we use your personal data, and our Disclaimer forms part of these terms.

2.2 You must be 18 or over to create an account, buy a membership, book a session or join our community.

2.3 These terms are for consumers, meaning people using our services for personal purposes. Nothing in them affects your legal rights as a consumer.

3. Education, not advice

3.1 Everything we provide is general education, taught from a Christian perspective. It is not personal financial, investment, trading, tax or legal advice. We are not authorised or regulated by the Financial Conduct Authority. We do not give recommendations, signals or alerts, and we don't manage or handle anyone's money.

3.2 Matt's trading journal is a personal record shared for education only. It is not a signal service, and you must not treat it as one. See our Disclaimer.

3.3 You are responsible for your own financial decisions. If you need personal advice, please speak to an FCA-authorised financial adviser.

4. Your account

4.1 You need a free member account to access member areas and to buy a paid plan. Please give accurate details and keep them up to date.

4.2 Keep your sign-in details secure and don't share your account. Memberships are for one person. Tell us straight away if you think someone else has used your account.

5. Memberships

5.1 Plans. We currently offer:

What each plan includes is described on our Pricing page when you join. The prices shown are the full prices you pay, with nothing added on top.

5.2 Content can change. We regularly add, update and retire modules, teaching and live sessions to keep them useful. If we make a change that materially reduces what your plan includes, we'll tell you, and you may cancel and receive a refund for any paid period you haven't used.

5.3 Payment. Paid plans are billed in advance through our payment provider, Stripe, using the payment method you give at checkout. Stripe's terms also apply to your payment.

5.4 Automatic renewal. Paid memberships are continuous subscriptions that renew automatically at the end of each billing period (monthly or yearly) until you cancel. On each renewal we'll charge the then-current price for your plan to your saved payment method. For yearly plans, we'll email you a reminder at least 30 days before each renewal.

5.5 Failed payments. If a payment fails, Stripe may retry it. If it still can't be collected, we may pause or end your paid membership. Your account will then move to the Free plan and you'll be removed from the paid-members-only WhatsApp sub-groups (see clause 9.5).

5.6 Price changes. We may change our prices. If we do, we'll email you at least 30 days before the new price applies to you, and it will only apply from your next renewal after that notice. If you don't want to continue at the new price, you can cancel before the renewal date.

5.7 Discount codes. From time to time we may offer discount codes. At the moment:

• IAL15 (Early Bird): 15% off the monthly price of Basic or Premium. Enter it at checkout when you choose a monthly plan. It is for monthly plans only. It does not apply to yearly plans and does not carry over if you switch from a monthly plan to a yearly plan: a yearly plan is always charged at the full yearly price. On a monthly plan, the discount applies for as long as that monthly subscription continues without interruption. If your subscription ends, or you move to a yearly plan, the discount ends. You can only use the code again on a new monthly plan if we're still offering it at that time.
• We may withdraw a discount code for new sign-ups at any time. Unless we tell you otherwise, a discount already applied to your subscription continues on its original terms. Codes can't be exchanged for cash or combined with other offers.

5.8 Upgrading or downgrading. You can change plan or billing interval through the billing portal. Stripe will show you any pro-rated charge or credit before you confirm. If your monthly plan has the IAL15 discount, the billing portal only offers monthly plans. If you'd like to move to a yearly plan at the full yearly price, just email us and we'll arrange it.

6. Cancelling your membership

6.1 You can cancel at any time. Go to your Account page and choose Manage subscription. This opens Stripe's secure billing portal, where you can cancel in a few clicks. You can also email us and we'll do it for you.

6.2 When you cancel, your paid membership continues until the end of the billing period you've already paid for and then won't renew. After that your account moves to the Free plan. Apart from the 14-day cooling-off period below, or where the law or these terms say otherwise, we don't give refunds for part-used billing periods.

7. Your 14-day right to cancel (cooling-off)

7.1 When you first buy a paid membership online, the law gives you 14 days from the day of purchase to change your mind (the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013).

7.2 Because membership gives you immediate access to online teaching, community and other content, at checkout we ask you to expressly request that your membership starts straight away, and to acknowledge how that affects your cooling-off rights.

7.3 Our 14-day full refund promise. If you cancel within 14 days of first joining a paid plan, we'll give you a full refund, no questions asked. This applies to your first paid subscription only, not to later renewals or rejoining after a previous cancellation (renewals are covered by clause 6.2 and any renewal rights the law gives you). This promise doesn't reduce any other rights you have by law.

7.4 To cancel within the cooling-off period, email us at hello@investandlearn.co.uk with your name and the email address on your account, or use the model cancellation form below. We'll refund you within 14 days of being told, using your original payment method.

7.5 Model cancellation form: "To Invest & Learn Ltd, hello@investandlearn.co.uk: I hereby give notice that I cancel my contract for the membership / 1:1 session (delete as appropriate) ordered on (date) … Name: … Email: … Date: …"

8. 1:1 coaching sessions

8.1 What they are. 1:1 sessions with Matt are coaching and education, not regulated financial advice (see clause 3). The price is shown when you book (currently £75 for a 60-minute session) and is paid in full when you book.

8.2 Booking. Sessions are booked and paid for online through our booking system (Cal.com), with payment by Stripe. You'll receive a calendar invitation with a Google Meet link. Please make sure you have a stable internet connection and a quiet space.

8.3 Recording. 1:1 sessions are not recorded unless we've agreed it with you in advance.

8.4 Your cooling-off right. You have a legal right to cancel within 14 days of booking. By booking a session that takes place within those 14 days, you ask us to provide it during the cooling-off period, and you acknowledge that you lose the right to cancel once the session has been fully delivered. If you cancel within the 14 days and before your session has taken place, you'll get a full refund.

8.5 Our cancellation and rescheduling policy. This policy doesn't reduce your statutory rights, including your cooling-off right under clause 8.4.

• Cancelling at least 24 hours before your session: you'll automatically get a full refund to your original payment method.
• Cancelling with less than 24 hours' notice: the booking isn't automatically refunded. If you're still within your 14-day cooling-off period and the session hasn't taken place, you're still entitled to a full refund under clause 8.4. Just email us and we'll process it. Emergencies happen, so please talk to us and we'll always try to be kind and fair.
• Rescheduling: you can reschedule using the link in your booking confirmation email.
• No-show: if you don't join within 15 minutes of the start time without letting us know, the session is treated as delivered and isn't refunded.
• If we need to cancel or reschedule, we'll give you as much notice as possible and offer you a new time or a full refund, whichever you prefer. If Matt is more than 15 minutes late, you can choose a full refund or a replacement session.

9. Community and WhatsApp rules

9.1 Free and paid members are invited to join our WhatsApp community using the invite link we provide. Joining is optional. Some sub-groups inside the community are for paid members only.

9.2 Please be aware: in a WhatsApp group, your phone number, name and profile picture can be seen by other members. WhatsApp's own terms and privacy policy apply to your use of the app.

9.3 Our community rules. We want this to be a safe, kind, faith-filled space. When you take part in our WhatsApp community, live sessions, comments or any other community space, you agree to:

• be kind and respectful, even when you disagree. No bullying, harassment, hate speech, discrimination or abusive language;
• not sell, promote or advertise anything. That includes investments, trading signals, courses, crypto projects, "opportunities", referral links, MLM schemes or other businesses, and messaging members privately to do so;
• not give other members financial advice or trading calls (e.g. "buy X now"). Share what you're learning, not instructions;
• not copy trades from Matt's journal or from other members, and not present anything shared in the community as a recommendation;
• keep things confidential: don't screenshot, forward or share other members' posts, personal details or prayer requests outside the community, and don't share Matt's journal or paid content outside it;
• not share the invite link with anyone else;
• post only content you have the right to share, and nothing unlawful, misleading, explicit or spam;
• respect people's privacy: don't add members to other groups or contact them for business without their clear permission.

9.4 Moderation. We may remove posts and, if someone breaks these rules, remove them from the community. For serious or repeated breaches we may suspend or end their membership (see clause 13).

9.5 When your paid membership ends (because you cancel, a payment fails or it's ended under these terms), we'll remove you from the paid-members-only sub-groups within 7 days of your paid access ending. You're welcome to stay in the general WhatsApp community as a free member (unless you've been removed under clause 9.4). Messages you posted may remain visible in other members' chat history.

9.6 Recorded live sessions. Live community sessions and Q&As may be recorded, and recordings may be shared with members afterwards so people who couldn't attend can catch up. We'll let you know at the start when a session is being recorded. If you don't want to appear in a recording, you can keep your camera off, stay muted and not speak, or use the chat instead. If you appear in a recording and would like part of it removed, please ask us. Please don't record sessions yourself (see clause 11.2). Our Privacy Policy explains how we handle recordings. 1:1 sessions are not recorded unless agreed in advance (clause 8.3).

10. Acceptable use of our website

You agree not to:

• use our website or services for anything unlawful, fraudulent or harmful;
• try to gain unauthorised access to our systems or other members' accounts, or interfere with the website's security or performance;
• scrape, copy or download content in bulk, or use automated tools to access member areas;
• upload viruses or other harmful code.

11. Intellectual property

11.1 All content we provide, including teaching, modules, videos, recordings, worksheets, blog posts, the trading journal, newsletters, our name and logo, is owned by us or our licensors and protected by copyright and other laws.

11.2 We give you a personal, non-transferable licence to access and use our content for your own personal, non-commercial learning while you have access to it. You must not copy, resell, redistribute, publicly share, record or upload our paid content, or use it to train AI models or to create competing products, without our written permission. Sharing a link to our public pages is always welcome.

11.3 Your contributions. You own what you post. You give us permission to display it within the community and our services, for as long as it remains there, and to use anonymised questions to improve our teaching. We won't use your name or testimonial in marketing without asking you first.

12. Our responsibility to you

12.1 We'll provide our services with reasonable care and skill, as the law requires. If we don't, please tell us. We'll try to put things right, for example by redoing a session or giving you a full or partial refund.

12.2 We are responsible for loss or damage you suffer that is a foreseeable result of us breaking these terms or failing to use reasonable care and skill. Loss is foreseeable if it's obvious it would happen, or if we both knew it might happen when we made the contract.

12.3 Our services are general education for personal use. We don't advise you on, arrange or manage your investments or trades, so we are not responsible for investment or trading losses, or other financial decisions you make, except where those losses are caused by our breach of these terms or our negligence and the loss was foreseeable. We're also not responsible for business losses (e.g. loss of profit or business opportunity).

12.4 Nothing in these terms limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot be limited or excluded by law. That includes your rights under the Consumer Rights Act 2015 (for example, services to be carried out with reasonable care and skill, and to match the information we gave you).

12.5 Events outside our control. We're not responsible for delays or failures caused by events outside our reasonable control, such as outages at WhatsApp, Stripe or other platforms, internet failures, illness or extreme weather. We'll tell you as soon as possible and do what we reasonably can to reduce the effect. For sessions, we'll offer to reschedule or refund you.

13. Suspending or ending your account or membership

13.1 We may suspend or end your account or membership if you seriously or repeatedly break these terms (including the community rules), use our services unlawfully, or try to defraud us. Where reasonable, we'll warn you first. If we end a paid membership because of your serious breach, we may not refund the rest of the billing period, except where the law requires.

13.2 We may also stop offering a plan or service altogether. If we do, we'll give you at least 30 days' notice where possible and refund any payment for a period you haven't received.

13.3 You can close your free account at any time by contacting us. Please cancel any paid subscription first, or ask us to.

14. Complaints

If something isn't right, please email hello@investandlearn.co.uk. We'll acknowledge your complaint within 5 working days and aim to resolve it within 14 days. As we're not FCA authorised, complaints about our services can't be referred to the Financial Ombudsman Service. You can get independent consumer advice from Citizens Advice.

15. Changes to these terms

We may update these terms, for example to reflect changes in the law, our services or how we operate. For significant changes that affect existing members, we'll email you at least 30 days before they take effect. If you don't agree, you may cancel before then. The version in force when you bought a session applies to that session.

16. General

16.1 Transfer. We may transfer our rights and obligations under these terms to another organisation (for example if our business is sold), and we'll make sure your rights aren't reduced. You may not transfer your membership to someone else without our agreement.

16.2 Nobody else has rights under these terms except you and us.

16.3 If a court finds part of these terms invalid, the rest will still apply.

16.4 If we don't enforce a term straight away, we can still enforce it later.

17. Law and courts

These terms are governed by the law of England and Wales. You can bring legal proceedings in the courts of England and Wales. If you live in Scotland or Northern Ireland, you can also bring proceedings in your local courts, and the mandatory consumer protection laws of your home country still apply.