Version 1.1

Last updated: 14/12/2025

Effective date: 05/10/2025

Please read these Terms carefully before purchasing.

BY COMPLETING YOUR PURCHASE, YOU ARE CONSENTING TO THESE TERMS AND CONDITIONS 

1. Introduction

1.1   Thanks for choosing Copper Coin Club. These Terms and Conditions (“Terms”) govern your purchase and use of any digital products provided by Copper Coin Club Ltd, a company registered in England and Wales (“we”, “us”, or “our”). 

1.2  Our digital products include, but are not limited to:

·        The “How to Start Investing” digital course (the “Course”); and

·        Any downloadable or digitally available resources, guides, checklists, paid blog content, tools, investment platform overviews, tip sheets, educational materials, or similar materials and services available (together with the Course, the “Digital Products”).

1.3 By purchasing the Digital Products, you agree to be bound by these Terms in full. If you do not accept these Terms, you must not purchase or access the Digital Products.

2. Nature of the products

2.1 All Digital Products are supplied digitally and constitute digital content for the purposes of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

2.2 The Course is made available to you via Thinkific upon purchase. Other Digital Products may be supplied via download, email or online access.

2.3 The course has 12 chapters released at purchase. The course covers an introduction to investing for educational purposes only.  

2.4 At the sole discretion of Copper Coin Club, we may provide general support or answer questions, provided that such support does not constitute personal, financial, or any other form of regulated advice. 

3. Right to Cancel and Refunds 

3.1 By purchasing the Digital Products and choosing to access or download them immediately — and, in the case of the Course, once you have completed registration on the Thinkific platform and received access to the Course materials — you expressly consent to the supply of digital content during the statutory cancellation period and acknowledge that you lose your statutory right to cancel under Regulation 29(1) of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 once access or download begins.

3.2 Subject to your statutory rights, all sales are final. We do not offer refunds based on dissatisfaction with the content, a change in personal circumstances or lack of results. 

3.3 However, at the sole discretion of Copper Coin Club, we may offer a refund within 14 days of purchase for the Course. If granted, the refund will be calculated on a pro-rata basis according to the percentage of course content consumed calculated using Thinkific’s internal tracking system. For example, if 20% of the course has been accessed, a refund of up to 80% may be issued.

3.4 Where the Digital Product is not the Course, no refund will be offered once the content has been accessed or downloaded (or made available to you).

    4. Educational Purposes Only – Not Financial Advice

4.1 The Digital Products are provided solely for general educational and informational purposes.

4.2 Nothing contained in the Digital Products or accompanying materials constitutes financial, investment, tax, legal, or other professional advice.

4.3 You should seek appropriate independent advice before making any financial decisions. If you would like advice, please speak with a Financial Advisor.

4.4 While we strive to provide accurate and up-to-date information, we do not guarantee the completeness, reliability or accuracy of any content. We are not regulated by the Financial Conduct Authority (FCA).

   5. No Guarantee of results

5.1 While content is designed to educate and inform, we make no representations, warranties, or guarantees whether express, implied or statutory as to any particular result, financial return, or outcome from use of the Digital Products.

5.2 You accept full responsibility for your own decisions, investments, and outcomes. We are not liable for any losses or damages incurred.

6. Access and Duration

6.1 Subject to your compliance with these Terms, you will be granted access to the Course for as long as the course is available on Thinkific, subject to Clause 6.2.

6.2 We reserve the right to modify, suspend, or discontinue access to any Digital Products (or any part thereof) where reasonably necessary, including for technical, operational, business or legal reasons.

7. Single-User Licence and Permitted Use

7.1 Your purchase grants you a non-exclusive, non-transferable, revocable licence to access and use the Digital Products for your individual, non-commercial use only.

7.2 You must not share, distribute, reproduce, transmit, sublicense, sell, or otherwise make any Digital Products (or any part of it) available to any third party. This includes copying, reproducing or distributing videos, audio, screenshots, or downloads without our prior written consent.

7.3 We reserve the right to suspend access if we suspect misuse. Access may be suspended during an investigation into misuse.

7.4 Breach of this Clause may result in the immediate termination of your access and may give rise to legal action. 

8. Intellectual Property

8.1 All intellectual property rights in the Digital Products, including but not limited to text, video, downloads, images, branding, and design, are owned by or licensed to Copper Coin Club or its licensors.

8.2 You acquire no ownership rights to any Digital Products through your purchase or access.

9. Prohibited Conduct

9.1 You agree not to:
a) Use the Digital Products in any unlawful manner or for any unlawful purpose;

b) Engage in unauthorised sharing, copying, or exploitation of any content; or

c) Disrupt, abuse, harass, bully, or behave inappropriately towards others or Copper Coin Club;

d) Use the Digital Products in a way that infringes on others’ rights, involves unauthorised sharing, or disrupts the learning environment for others; or

e) Carry out any inappropriate conduct, such as bullying or harassment

9.2 We reserve the right to remove access to any Digital Products in the event of misuse.

10.  Technical Requirements and Support

10.1 You are responsible for ensuring that you have the necessary technical requirements (including a reliable internet connection and a compatible device) to access the Digital Products. We do not guarantee compatibility with all devices, browsers, or operating systems.

10.2 We shall not be liable for any technical issues arising from your hardware, software, internet connectivity, third-party platforms or third-party service outages. 

11. Data Protection

11.1 We process your personal data in accordance with applicable data protection legislation, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

11.2 For more details on how we process your data, please refer to our Privacy Policy

12. Prices and Taxes

12.1 All prices stated are inclusive of VAT where applicable.

12.2 You are responsible for any additional import duties, taxes, or local charges that may apply in your jurisdiction.

13. Changes to Terms

13.1 We reserve the right to update or amend these Terms from time to time.

13.2 Where a material change is made, we will notify you by email or via our website. Continued use of the Digital Products following any such update constitutes your acceptance of the revised Terms.

14. Limitation of Liability

14.1 To the fullest extent permitted by law, we exclude all liability for any indirect, consequential, or economic loss or damage arising from your use of or reliance on the Digital Products.

14.2 Our total aggregate liability to you in connection with the relevant Digital Products shall not exceed the amount paid by you for those Digital Products.

14.3 Nothing in these Terms shall exclude or limit liability for death or personal injury caused by negligence or for fraud or fraudulent misrepresentation.

14.4 Nothing in this clause affects your statutory rights as a consumer.

15. Governing Law and Jurisdiction

These Terms, and any non-contractual obligations arising out of or in connection with them, shall be governed by the laws of England and Wales. The courts of England and Wales shall have exclusive jurisdiction to resolve any dispute or claim arising out of or in connection with these Terms or the Course.