Last Updated: May 26, 2026
By accessing and using the frosted-cities website and services, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our website or services.
frosted-cities provides financial education programs for children and teenagers. Our services include group workshops, private coaching sessions, family workshops, and school partnership programs designed to teach practical money management skills.
You may use our website for lawful purposes only, including:
You agree not to:
Enrollment requests submitted through our website are not binding until confirmed by frosted-cities. We reserve the right to accept or decline enrollment requests at our discretion.
Participants must meet age requirements for their selected program. Parents or legal guardians must provide consent for participation of children under 18.
Regular attendance is expected for optimal learning outcomes. We provide session materials for missed classes but cannot guarantee makeup sessions. Participants are expected to engage respectfully with instructors and fellow students.
Cancellation policies vary by program type:
Payment is due upon enrollment confirmation unless payment plan arrangements have been made. We accept standard payment methods as indicated during the enrollment process. Failure to make timely payment may result in suspension from the program.
All content on this website, including text, graphics, logos, images, curriculum materials, and software, is the property of frosted-cities or its licensors and is protected by copyright and intellectual property laws.
We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes. You may not reproduce, distribute, modify, or create derivative works from our content without written permission.
Materials provided during programs are for personal educational use only. They may not be shared, reproduced, or distributed without authorization.
If you submit feedback, testimonials, or other content to us, you grant frosted-cities a perpetual, royalty-free license to use, reproduce, and display such content for promotional and educational purposes. You represent that you have the right to grant this license and that your content does not violate any third-party rights.
Your use of our website and services is also governed by our Privacy Policy and GDPR compliance statement. Please review these documents to understand how we collect, use, and protect your personal information.
Our programs provide educational information about financial concepts. We do not provide personalized financial advice, investment recommendations, or professional financial planning services. Participants should consult qualified financial professionals for specific financial decisions.
Our website and services are provided "as is" without warranties of any kind, either express or implied. While we strive to provide accurate and current information, we do not warrant that:
To the fullest extent permitted by law, frosted-cities shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our website or services. Our total liability for any claims related to our services shall not exceed the amount you paid for the specific program or service.
You agree to indemnify and hold harmless frosted-cities, its directors, employees, and agents from any claims, damages, or expenses arising from your use of our website, violation of these terms, or infringement of any third-party rights.
Our website may contain links to third-party websites. These links are provided for convenience only. We do not endorse or take responsibility for the content, privacy practices, or terms of use of third-party sites.
We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after changes are posted constitutes acceptance of the modified terms. We encourage you to review these terms periodically.
We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice. We may also change program content, schedules, or pricing as needed.
These Terms of Use shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of England and Wales.
If any provision of these Terms of Use is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
These Terms of Use, together with our Privacy Policy and any program-specific agreements, constitute the entire agreement between you and frosted-cities regarding use of our website and services.
If you have questions about these Terms of Use, please contact us:
frosted-cities
45 Buchanan Street
Glasgow G1 3HL
United Kingdom
Email: [email protected]
By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.