Payment, cancellation, transfer and refund terms

1. Pricing and payment

Prices are subject to change and Fitch Learning reserves the right to charge additional amounts to reflect any pricing changes taking effect before course commencement dates.

Delegates are required to pay for the course at the time of booking. If an employer is funding a delegate’s participation in a course, the employer may require Fitch Learning to provide information on the delegate’s participation, including, but not limited to; test results, progress and attendance records.

Where Fitch Learning has received authorisation to invoice an employer the following terms apply:

a. Full payment is due prior to the course start date. Any delegate may be refused participation on a course if payment is outstanding.

b. Providing the booking is made 30 days prior to the commencement of the course, invoice payment terms are 30 days from the date of the invoice.

c. Payment is due immediately if the booking is made less than 30 days before the course start date.

The employer is liable for all unpaid invoices. Fitch Learning reserve the right to recover any reasonable debt collection costs in connection with overdue payments and to charge interest on late payments at a rate of 4% above RBS base rate.

2. Exam bookings

Prices exclude exam fees and official manuals payable to professional exam-awarding bodies. Where Fitch Learning provides an exam booking service, the fees are payable in full on booking the exam. Fitch Learning accepts no responsibility or liability for errors or omissions and it is the delegate’s responsibility to ensure that exam booking details are correct.

3. Cancellation

Fitch Learning requires written notice of course cancellation sent to clientservices@fitchlearning.com .

Where notice of cancellation is received at least two weeks before the course start date.  Fitch Learning reserves the right to charge a cancellation fee of £75 plus VAT.

Where notice of cancellation is received less than two weeks before the course start date, full course fees will be payable.

Refunds are only available for Fitch Learning study materials provided they are returned un-opened and in their original condition. This excludes any third party materials. This does not affect the delegate’s statutory rights.

No refunds are available on online study portals

4. Deferral

Where the full course fee has been paid, enrolment can be deferred for one relevant sitting, subject to availability and prior agreement from Fitch Learning. Written notification, sent to clientservices@fitchlearning.com must be received two weeks prior to the course start date.  No refunds will be made and amounts paid will be carried forward and applied to the later course. In addition Fitch Learning reserves the right to charge an administration charge of £50 plus VAT. 

For delegates purchasing an online course, deferral will only be granted if the delegate has not accessed the online learning course.

If it is necessary to purchase new course materials on commencement of the deferred course, the cost of these is not included in the amounts previously paid and it will be invoiced separately.

5. Transfer

Requests to transfer course dates must be submitted in writing to clientservices@fitchlearning.com . Transfer of course dates is made at the sole discretion of Fitch Learning and Fitch Learning reserves the right to charge an administration fee of £50 plus VAT.  The delegate may be required to purchase additional materials.

6. Classroom course date schedules

Wherever possible dates for classroom courses will not change from those provided at the time of booking. Enrolled delegates will not be entitled to a re-fund if they are unable to attend courses run at the published time.

In the unusual event that Fitch Learning changes a course date, Fitch Learning will provide a minimum of 24 hours notice and use reasonable endeavours to contact delegates enrolled on the course.  Fitch Learning is not liable to refund monies paid in respect of rescheduled courses.

7. No Pass No Pay for  Level I  CFA® Program exam Prep

Terms and conditions found here .

8. Pass assurance for Level II and Level III of the CFA Program exam

Terms and conditions found here .

9. Pass assurance for benchmark regulatory exams

Terms and conditions found here.

10. Online Portal

Access to the CFA Program exam Prep online portal will remain until the relevant date of the exam.

Access to the portal for all other exams will remain in place for 18 months from the date of registration.

Access to the online portal is tied to a given individual and transfer between individuals is not permitted.

11. Hard copy materials

Hardcopy manuals purchased for an exam from Fitch Learning will have a syllabus expiry date (if it is a CISI manual). Material written by Fitch Learning will have an edition reference and date. Fitch Learning will not replace hardcopy material or manuals free of charge in the event that a delegate fails to sit the exam before the material or manual expires due to a syllabus update or a new edition, it is the delegate’s responsibility to ensure that they have the most current material for their exam.

If Fitch Learning material is ordered and then returned to Fitch Learning in a re-saleable condition within seven days of initial dispatch, Fitch Learning will refund the cost of the material at its own discretion.  The cost of material returned after seven days will not be refunded. This excludes any third party manuals and materials.

For any material that is refunded, the packaging must clearly state the delegate’s and company’s* name (*where applicable) in order for a refund to be processed. Fitch Learning take no responsibility for trying to match un-named returned material to delegates/companies for a refund.

12. Use, provision and expected service level of online learning tools

You are solely responsible in all respects for the use, protection and confidentiality of any password given to you or selected by you for use on the online portal.  Such passwords may only be used by you personally and may not be shared or transferred to any third parties.  You must notify Fitch Learning immediately of any unauthorised use or breach of security regarding site access which comes to your attention.

You are responsible for ensuring that your computer system meets all relevant technical specifications to use the site, is compatible with the site and capable of running the products.  You must not attempt to interfere in any way with the proper working of the site and in particular you must not attempt to circumvent security, tamper with, hack into or otherwise disrupt any computer system, server, website, router or any other internet connected device.

Fitch Learning reserves the absolute right to update, alter, suspend or discontinue any aspect of the products or site including but not limited to your access to it.

Although all reasonable care is taken to ensure the accuracy of information contained in Fitch Learning’s products, portals and within our website, the information and advice is provided without any representation or warranty as to its accuracy and in no event shall Fitch Learning be liable for any loss or damages arising in connection with the use of this information.

The products and portals are provided on an “as is” basis without warranties of any kind, either express or implied,  including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement or title.  Fitch Learning accepts no liability for any financial decision taken based on the contents of any of the products.

Fitch Learning assumes no responsibility for errors or omissions in our products, portals or website. Fitch Learning will use all reasonable endeavours to make the portal available but cannot guarantee that the portal will operate continuously or without interruptions. The portal may provide links to other websites, which are not under the control of Fitch Learning.  Fitch Learning shall not be responsible in any way for the content of any third party website, however accessed.  Fitch Learning provides such links only as a convenience and the inclusion of any link does not imply endorsement by Fitch Learning of the content of such sites.

13. Intellectual Property Rights

Fitch Learning owns all title, copyright and all intellectual property rights in the online learning programmes, classroom courses, related products, portals and any modifications or translations of them (“the Property”).  The delegate acknowledges that you do not own and shall not acquire any title, copyright or any other intellectual property rights in the Property and shall not modify, translate adapt or otherwise amend the Property and shall only use them for your private educational or informational purposes in accordance with any instructions provided by Fitch Learning.

Except as expressly stated in the courses, any copying, distribution, transmission or publication of the Property is strictly prohibited without the express permission of Fitch Learning, received in writing.

14. Warranty

Fitch Learning warrants that it will use all reasonable endeavours to ensure that the study materials will be of satisfactory quality but does not warrant that the study materials will be error free.

Fitch Learning warrants that it will perform any services under this agreement with reasonable skill and care.

These warranties are provided in lieu of all other warranties express or implied which are hereby excluded to the fullest extent permitted by law.

15. Complaints Procedure

Fitch Learning seeks to use all reasonable endeavours to ensure that we provide the highest quality services possible for our students, clients and partners, but we acknowledge that there may be times where a delegate wishes to bring an issue to our attention or raise a concern regarding an aspect of our service.

16. Informal Complaints 

In most instances, the issue can be resolved simply by discussing it with the individuals involved, or raising the issues with the relevant tutor or member of the client services team. The majority of issues can usually be resolved quickly and easily through either of these channels. Alternatively you can use the evaluation forms provided for certain programmes to raise issues – these will all be processed and analysed.

17. Formal Complaints and Escalation

If the matter is not successfully resolved to your satisfaction via informal means, or the issue is of a serious nature, a formal complaint should be made in writing to clientservices@fitchlearning.com as soon as is reasonably possible. The earlier the subject is raised the more likely that the matter will be resolved satisfactorily. Written complaints should state clearly the type and nature of the issue and summarise what steps have been taken to date to resolve it, as well as highlighting why these steps were deemed unsatisfactory. You will receive a response within 3 business days.

Once a decision has been made, the complainant will receive a summary which sets out details of the findings and, if the complaint is upheld, indicates what action will be taken.

18. Data

Fitch Learning may supplement the information that you provide with information we receive from third parties, such as exam registration bodies or your employer. If you have any questions about our privacy policy, please read Privacy Policy  

If you wish to change or update the Data we hold about you, please email clientservices@fitchlearning.com  or contact us on the number above. Alternatively, if you wish to raise a query regarding your Data, please contact us on the number above or email  clientservices@fitchlearning.com .

19. Computer Systems and Virus Protection

Fitch Learning continuously review the services we provide to ensure they deliver appropriate levels of security and safety for our users. We recommend that users browsing any website, including Fitch Learning, have up to date security and anti-virus software installed. Fitch Learning cannot be held responsible for any damage to a user’s computer or access device, caused either directly or indirectly by use of our services.

Fitch Learning Delegate Code of Conduct (‘The Code’)

1. Intent and scope

Fitch Learning is committed to providing a supportive environment for all delegates in order that they may excel. All delegates and staff have the right to work in an environment that is safe and where individuals are treated with dignity and respect.

The Code of Conduct (‘The Code’) explains how we expect delegates to behave when on Fitch Learning premises, or engaged in a Fitch Learning course, with respect to other students, our staff and third parties.

2. General expectations

Fitch Learning expect standards of behaviour to conform to social norms. A non-exhaustive list of these includes the following:

a. Treat all Fitch Learning staff and fellow students and third parties with respect

b. Practise and promote equality

c. Behave safely and responsibly at all times

d. Switch mobile phones and other communications equipment to silent mode

e. Attempt to attend classes on time, but where it is not possible to attend on time, avoid disrupting the class when entering or exiting the classroom

f. Take care of Fitch Learning equipment, facilities and buildings  

g. Avoid plagiarism

h. Dress in a way that is suitable for a professional workplace

i. Dispose of litter appropriately in the bins provided

j. Refrain from smoking on or immediately outside Fitch Learning premises

3. Breaches of The Code

Breaches of the Fitch Learning Delegate Code of Conduct will be reviewed by Fitch Learning. Breaches of the code may result in written or verbal warnings to the person in breach. Fitch Learning reserves the right to exclude a student from a course (and to inform his or her employer where the employer is funding part or all of the course) of study for serious or repeated breaches of the code without warning especially where a delegate undertakes any activity amounting to gross misconduct (defined below).

4. Gross Misconduct

Gross misconduct includes but is not limited to the following:

a. Acts of bullying or harassment

b. Aggressive, threatening or offensive behaviour or language 

c. Theft, fraud or deceit

d. Cheating or plagiarism

e. Intentional or reckless damage to Fitch Learning property or student property 

f. Intoxication through alcohol or illegal drugs on Fitch Learning premises 

g. Any criminal offence committed on Fitch Learning premises, or where the victim is a Fitch Learning student or staff member  

5. Personal Injury/Liability

Fitch Learning will take all reasonable steps to perform our services with reasonable care and skill. However, Fitch Learning is devoted to education and training and in order to protect its assets for the benefit of those objects, Fitch Learning shall not be liable to you for any of the following types of loss or damage arising out of or in connection with the delivery and use of our products/services, including but not limited to the Web Site:
a. any loss of profits, loss of earnings loss of anticipated savings, goodwill or revenue;

b. any personal injury or death or loss of property arising during course delivery except where such personal injury or death is caused by Fitch Learning’s negligence;

c. any loss or corruption of data or any indirect or consequential loss.

Fitch Learning’s maximum aggregate liability to you for any claim in contract, tort, negligence, or otherwise arising out of or in connection with the provision of any product or services shall be limited to the charges paid by you in respect of the product or service which is the subject of any such claim and provided you notify us of any such claim within three months of it arising.

6. Security

Personal possessions are the sole responsibility of the delegate and Fitch Learning accepts no responsibility for anything that is lost or stolen from its premises.  Delegates are advised to keep valuables with them at all times.

7. Limitation

Fitch Learning shall not be liable to you for any indirect or consequential loss, including loss of data, profit or business however caused.

Neither party shall be liable to the other for any failure or delay in the performance of its obligations under these terms and conditions caused by circumstances beyond that party’s control.

Fitch Learning’s liability  for direct losses arising out of our negligence (other than in respect of liability for death or personal injury), breach of contract or any other cause of action arising out of or in connection with this Agreement shall be limited to cash receipts from the customer (or employer) for the relevant course or study materials.

8. Termination

Fitch Learning shall have the right, at any time, by serving written notice on you, to cancel your registration and access to any products if you are in breach of any material term of these conditions.

If any provision of these terms and conditions is held by a court of competent jurisdiction to be invalid or unenforceable, then such provision shall be enforced to the maximum extent permissible so as to affect the intent of these terms and conditions, and the remainder of the terms and conditions shall continue in full force and effect.

9. Change of address or other contact details

Fitch Learning must be notified in writing of any change in a delegate’s contact details, including email address.

10. Notices

Notice to Fitch Learning should be given to clientservices@fitchlearning.com .  Notice to you will be sent either to the email address or postal address you provide during the registration process.  Notice will be deemed received 24 hours after email is sent or 3 business days after the date of posting.

11. Law and Jurisdiction

The Contract, of which these conditions form a part, shall be governed by English Law and the parties submit for the purpose of any proceedings to the jurisdiction of the English Courts.

Nothing in these Conditions shall prejudice any condition or warranty (express or implied) or any other right or remedy to which either party is entitled in relation to the services by virtue of statute common law or otherwise.

12. Contracts (Rights Of Third Parties) Act 1999 .

A person who is not a party to this Agreement shall have no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this Agreement.  This clause does not affect any right or remedy of any person which exists or is available otherwise than pursuant to that Act.

13. Separability

Any term or provision of this Agreement which is invalid or unenforceable shall be ineffective to the extent of such invalidity or unenforceability without rendering invalid or unenforceable the remaining terms and provisions of this Agreement.

14. Headings

The section and other headings contained in this Agreement are for reference purposes only and shall not affect the meaning or interpretation of this Agreement.

15. Force majeure

Fitch Learning will not be liable for any delays or failures attributable to any Event of Force Majeure, save that Fitch Learning shall use reasonable endeavours to resume services as quickly as possible.

16. Assignment

Fitch Learning reserves the right to assign its obligations under this contract to a suitably qualified third party or sub-contract to an independent party, where such assignment will not compromise the quality of the course delivered.

17. Entirety of Contract

The Contract contains the entire Contract and understanding between the parties hereto with respect to the subject matter hereof and replaces all prior agreements and understandings relating to the said subject matter.