Terms And Conditions

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE

If you have any questions about any of our terms, please don't hesitate to contact manager@skillum.com.

WHO WE ARE AND HOW TO CONTACT US

www.skillum.com is a site operated by Etutorium Limited ('we', Skillum). We are registered in England and Wales under company number 09640165 and have our registered office at 6 St David's Square, Westferry Road, London, United Kingdom, E14 3WA. To contact us, please email manager@skillum.com.

BY USING OUR SITE YOU ACCEPT THESE TERMS

By using our site, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms, you must not use our site. We recommend that you print a copy of these terms for future reference.

THERE ARE OTHER TERMS THAT MAY APPLY TO YOU

These terms refer to the following additional terms, which also apply to your use of our site, these can be found at the bottom of the page:

  • Our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.
  • Our Cookie Policy, which sets out information about the cookies on our site.
  • If you purchase any goods or services from our site, our terms and conditions of supply will apply in relation to our supply of goods or services.

WE MAY MAKE CHANGES TO THESE TERMS

We amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the terms which apply at that time. These terms were most recently updated on 29.10.2024.

WE MAY MAKE CHANGES TO OUR SITE

We may update and change our site from time to time to reflect changes to our products, our users' needs and our business priorities, or as required as a result of changes in applicable laws or regulations. We will try to give you reasonable notice of any major changes.

WE MAY SUSPEND OR WITHDRAW OUR SITE

Our site is made available free of charge. We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend the availability of all or any part of our site for business and operational reasons. We will try to give you reasonable notice of any suspension. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms and other applicable terms and conditions, and that they comply with them.

YOU MUST KEEP YOUR ACCOUNT DETAILS SAFE

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms. If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at manager@skillum.com.

HOW YOU MAY USE MATERIAL ON OUR SITE

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved. You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged. You must not use any part of the content on our site for commercial purposes or for the purpose of training any artificial intelligence system, any machine learning model or programme, any large language model or similar model, in each case, without obtaining a license from Skillum to do so. If you scrape, copy, download or use any part of our site in breach of these terms, your right to use Skillum will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. You may also become financially liable for using the material without our permission.

DO NOT RELY ON INFORMATION ON THIS SITE

The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site. Although we try to update the information on our site, we make no guarantees that the content on our site is accurate, complete or up-to-date.

Etutorium Limited is not liable for any errors or false information included in their website or resources. Etutorium Limited is not liable for any offence or upset caused by information on our site. Etutorium Limited is also not liable for exam results or future career path and earnings as a result of the use of information on our site.

WE ARE NOT RESPONSIBLE FOR WEBSITES WE LINK TO

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them. We have no control over the contents of those sites or resources.

OUR RESPONSIBILITY FOR LOSS OR DAMAGE SUFFERED BY YOU

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

USER-GENERATED CONTENT IS NOT APPROVED BY US

This website may include information and materials uploaded by other users of the site. This information and these materials have not been verified or approved by us. The views expressed by other users on our site do not represent our views or values.

IF YOU ARE A BUSINESS USER

We exclude all implied conditions, warranties, representations or other terms which may apply to our site or any content on it.

We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

  • use of, or inability to use, our site; or
  • use of or reliance on any content displayed on our site.

In particular, we will not be liable for:

  • loss of profits, sales, business, or revenue;
  • business interruption;
  • loss of anticipated savings;
  • loss of business opportunity, goodwill or reputation; or
  • any indirect or consequential loss or damage.

We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any content on it, or on any website linked to it.

IF YOU ARE A CONSUMER USER:

Please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we will not be responsible to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

If defective digital content which we have supplied damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill we will either repair the damage or pay you compensation. However, we will not be responsible for damage which you could have avoided by following our advice to apply an update offered to you free of charge or for damage which was caused by you failing to correctly follow installation instructions or to have in place the minimum system requirements advised by us.

WE ARE NOT RESPONSIBLE FOR VIRUSES AND YOU MUST NOT INTRODUCE THEM

We do not guarantee that our site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

RULES ABOUT LINKING TO OUR SITE

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. You must not establish a link to our site in any website that is not owned by you. Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page. We reserve the right to withdraw linking permission without notice. If you wish to link to or make any use of content on our site other than that set out above, please contact manager@skillum.com.

WHICH COUNTRY'S LAWS APPLY TO ANY DISPUTES?

If you are a consumer, please note that these terms of use, their subject matter and their formation, are governed by English law. If you are a business, these terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

OUR TRADE MARKS

You are not permitted to use the trademark of Etutorium Limited without our approval.

TERMS & CONDITIONS OF SUPPLY FOR ONLINE EXAM SIMULATORS FOR FINANCE PROFESSIONALS, AUDITORS AND MANAGER

Adopted on 29.10.2024. These terms and conditions of supply (‘these terms’) are entered into between Etutorium Limited (‘Skillum’) and any individual who is a User (‘you’ or ‘your’).

Registration to one or more Services as well as use of the Services implies the acceptance of these terms by the User in full. Therefore, the User acknowledges that he/she is fully informed of and bound by all the provisions of these terms.

Article 1. Definitions

Words or terms used in these terms have the following meanings: “Services” means all paid services available to Users on the Website. “User” means a person who has purchased a Subscription to one or more Services for himself/herself as a user or on behalf of another person as a user. “Subscription” means a fixed price that provides access to the Services for a limited period specified in the relevant Subscription purchased by the User. “Third Party Websites” means any third party websites or mobile applications. “Website” means this website provided by Skillum through which the Services are provided.

Article 2. Access, registration and Subscription

2.1. Procedure and terms of access and registration to the Services

The User will exclusively bear the costs for the means to access the Services as well as for the use of such means. Acceptance of these terms constitutes the formal conclusion of the contract for the Services. This results in becoming a User having access to the Services described in the Website. Each User must be at least 18 years old, meet the conditions for access to the relevant Services, have the requisite legal capacity to enter into a contract, read these terms, the Cookie Policy and the Privacy Policy, and complete the mandatory fields in the registration form.

2.2. Procedure and conditions for Subscription

Subscription to the Services must be paid for. After choosing his/her Subscription and way of payment, the User must submit his/her payment. This step formally concludes the contract to the Services and the complete, unreserved acceptance of these terms. Once the payment has been submitted, the User is directed to a payment confirmation page. Skillum acknowledges receipt of the purchase of a Subscription by sending an email.

Article 3. Right to cancel

Pursuant to article 29 of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, the User is informed that he/she has fourteen days from the purchase of a Subscription to exercise his/her right to cancel, without incurring any liability and without giving a reason, by post toSkillum, 6 St David's Square, Westferry Road, London, United Kingdom, E14 3WA, UK by sending a clear statement requesting this to the e-mail address: manager@skillum.com. In order for the cancellation to be effectively exercised, the User must send his/her request within the fourteen-day cancellation period.

The User may, if he/she wishes to, access the Services immediately without waiting for the end of the cancellation period, according to article 36 (1) of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

If the User does not wish to access the Services immediately, he/she may leave the Website after submitting his/her payment and wait for the expiry of the fourteen-day period. Nevertheless, if the User uses the Services before the end of the cancellation period, this first log in from the purchase of a Subscription constitutes an express request by the User to have immediate access to the Services.

In any event, immediate access to the Services does not deprive the User from his/her right to cancel, which remains valid until the expiry of the fourteen-day period. However, the User who has accessed the Services before the end of the cancellation period must pay the full amount for his/her use of the Services.

Any reimbursement shall be made within fourteen days from the date Skillum was informed of the User’s decision to cancel, by the same means of payment which was used by the User for the initial transaction, save for any instruction from the latter to the contrary.

Article 4. Obligations of Users

The provisions of this Article 4 apply from the registration for Subscription and shall remain applicable for the entire duration of use of the Services, without prejudice to the provisions of Article 8 below. In order to use the Services, the User agrees to comply with any laws in force and observe the obligations referred below.

The User has the obligations to:

  • Respect the intellectual property rights of the content provided by Skillum;
  • Use the Services while respecting their purpose and not to use the Services for professional, commercial, profit or generally non-personal purposes;
  • Use the confidential password and username of the User strictly to log in to the Services. Therefore, the User must not, this list not being exhaustive, communicate, disseminate, share, make accessible, in any way or for any reason whatsoever, its passwords and/or usernames to any third party, whoever that is.

A breach of these obligations constitutes a serious breach by the User of its contractual obligations. Without prejudice to the provisions of Article 7 below, in the event of breach by a User of one or more of these obligations, Skillum may terminate the contract and remove the relevant User’s access to the Website and Services.

Article 5. Fees, terms of payment and renewal

5.1. Fees and terms of payment of Services

In order to use the Services, the User must have a Subscription; the fees and the terms of payment are described on the Website. A Subscription may be purchased by paying either by bank card (on the internet or through a mobile service) or by using an online payment service (PayPal, Direct Debit etc.) according to the options given on the Website. The fees are indicated in British pounds sterling (inclusive of all taxes).

Article 6. Intellectual Property

All Services names, trademarks, logos, graphics, photographs, animations, videos and texts contained on the Website and within the Services are the exclusive property of Skillum and, if applicable, its partners and may not be reproduced, used or communicated without the express authorisation of Skillum, subject to legal action.

The rights of use granted to the User are limited to private and personal use as part of and for the duration of the registration to the Services. Any other use by the User is prohibited.

The User is prohibited from, among other actions, modifying, copying, reproducing, downloading, broadcasting, transmitting, commercially exploiting and/or distributing the Services, Website pages or computer codes of the elements composing the Services and Website, in any way whatsoever, subject to legal action.

Article 7. Representations and Warranties

7.1. Operation of the Website and Services

7.1.1 To use the Services, the User must have the skills, equipment and software necessary for use of the Internet or the mobile applications of the Services. Skillum has security measures in place in connection with the use of the Services. However, the User acknowledges that, due to the nature and limitations of the Internet, Skillum cannot guarantee that any connection to the Internet or mobile applications will be completely secure.

7.1.2 The User must have the equipment, including the software and appropriate settings, necessary for the good operation of the Services: the latest version of the Internet browser, activated JavaScript functions, permitted session cookies and accepted ‘pop-up’ windows.

7.1.3 Skillum does not warrant that the User will be able to use the Services if his/her Internet service provider fails to provide an adequate level of service.

7.1.4 Skillum is not responsible for any lack of functionality, lack of access or poor conditions of use of the Website and Services attributable to unsuitable equipment, to the internal functionality failures of the User’s service provider, the overloading of the Internet network and for all other reasons external to Skillum constituting a force majeure event.

7.1.5 The operation of the Services may be interrupted temporarily due to maintenance, updates or technical improvements, or to update the content and/or the way it is presented. If possible, Skillum will notify the Users before any maintenance operations or updates which may impact the Services.

7.2. Links and external resources

Skillum is only liable for the hyperlinks it creates in the Website and Services and does not exercise any control over the Third Party Websites and external resources (third-party websites or mobile applications, social networks, etc.) to which the hyperlinks accessible on the Website and the Services redirect. Skillum cannot be held liable for the provision of links directing to Third Party Websites and cannot be held liable for their content, advertisements, products, features, services or any other elements available on or based on the use of such Third Party Websites. It is reminded that the consultation and use of Third Party Websites is governed by their conditions of use, and that such consultation and use will be made under the User’s full liability. Any issues relating to a link must be reported to Skillum using the contact details included in Article 15 below.

7.3. Liability and Indemnity

7.3.1 Skillum cannot be held liable for user’s grades, exam performance, career or life time earnings, future opportunities or any other event or outcomes in the user’s life, regardless of any money back guarantees, usage or claims.

7.3.2 Skillum is only responsible for foreseeable loss and damage caused by Skillum, if Skillum fails to comply with these terms or to use reasonable care and skill. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made both Skillum and the User knew it might happen.

7.3.3 Skillum may not be held liable for any damages incurred by a User in the event those are caused solely by the latter or if Skillum is not in breach of these terms and its statutory obligations.

7.3.4 Skillum is not liable for business losses. Skillum will only supply the Services for domestic and private use. If a User uses the Services for any commercial or business purpose Skillum will have no liability towards him/her for any loss of profit, loss of business, business interruption, or loss of business opportunity.

7.3.5 Skillum does not exclude or limit in any way its liability to Users where it would be unlawful to do so.

7.3.6 In the event Skillum is held liable on the basis of a breach by a User of any of his/her legal or contractual obligations under these terms, the latter agrees to indemnify and hold Skillum harmless against any damages, expenses or orders issued against it resulting from the User’s breach of his/her obligations.

Article 8. Subscription termination

8.1. Termination by the User

Each User may at any moment terminate his/her Subscription, without further charges other than those connected to the transmission of his/her request and without reason by email, using the contact form or by any other means indicated by Skillum. This request will be deemed made on the working day following the one the request is received by Skillum and the User may no longer use his/her Subscription. Termination of the Subscription will be confirmed to the User by email.

Article 9. Termination by Skillum

Without prejudice to the other provisions of these terms, in the event of a serious breach by a User, especially in the event of breach of the obligations referred to in Article 4, Skillum may permanently remove the relevant User from the Website and Services, without prior notice. This removal will not give a right of reimbursement to the User. Termination of the User will be confirmed to the User by email. This closure will take effect without prejudice to any damages and interest which may be claimed by Skillum from the User or his/her successors and legal representatives as restitution for the losses incurred by Skillum as a result of these breaches.

Article 10. Personal Data

The personal data of Users are processed in accordance with our Privacy Policy.

Article 11. Entire Agreement

These terms form a contract, which governs the relationship between the User and Skillum. They cancel and supersede all previous provisions not expressly referred to or appended and provide all rights and obligations of Skillum and the User with respect to their subject matter. If one or more provisions in these terms are held to be unenforceable under applicable laws or regulations or as a result of a final decision by a competent court or authority, the other provisions will remain in full force and effect, to the extent permitted by law, regulation or applicable court decisions.

Article 12. Modification of the Services or these terms

12.1. Modification of the Services

Skillum may update and modify the content and/or features of the Services at any moment in order to improve their quality. Skillum may update and modify the hours and/or nature of the Services. The User will be informed of the nature of these updates or modifications when they are implemented on the Website.

12.2. Modification of the Services

Skillum may modify these terms at any moment. The User will be informed of those modifications when they are implemented on the Website.

Article 13. Requests and Claims

For every request or claim relevant to a Subscription, the User may contact Skillum by post addressed to our registered office at 6 St David's Square, Westferry Road, London, United Kingdom, E14 3WA. The User may also contact the Customer Care by email at manager@skillum.com

Article 14. Applicable law – Disputes.

These terms are governed, interpreted and applied in accordance with the laws of England. The language of interpretation is English.

Article 15. About us

The Services provided by Skillum to Users pursuant to these terms are offered by Etutorium Limited, a private limited company incorporated in England with registered company number 09640165 whose registered office is at 6 St David's Square, Westferry Road, London, United Kingdom, E14 3WA. To contact us, please email manager@skillum.com.

Cancellation Form

To Skillum, 6 St David's Square, Westferry Road, London, United Kingdom, E14 3WA. I hereby give notice that I cancel my contract for the supply of the Services.

Ordered on:

  • By (state your name):
  • Address:
  • Email address:
  • Signature:
  • Date:

Article 16. Personal Information

By creating an account to become a user of Etutorium Limited's services you confirm that you are over the age of 13 or that you have the permission of a parent or guardian to use Etutorium Limited's services. Any requests to delete your personal data will be completed within 30 days of the receipt of the request.