Terms of use

Cash to Compounding โ€” Updated: 15/10/2026

1. Introduction & Acceptance of Terms

Welcome to Cash to Compounding, a free course from The Dividend Academy, provided by Financive Limited, a company registered in England and Wales under company number [number], with its registered office at [address] ("we," "us," or "our").

These Terms of Use ("Terms") govern your access to and use of the free Cash to Compounding course ("the Course"), including its lessons, emails and materials. By signing up for or accessing the Course, you agree to these Terms. If you do not agree, please do not sign up for or use the Course.

Eligibility: You must be at least 18 years old to sign up for the Course.

2. The Course & Access

2.1. Free of Charge: The Course is free. You do not need to provide payment details to access it.

2.2. Course Description: The Course provides educational content on investing, personal finance and related topics. All materials, including videos, slides, worksheets and emails, are provided for educational purposes only.

2.3. How You Get Access: You sign up with your name and email address. This may create an account on our course platform, which you use to access the Course.

2.4. Personal Access: Access to the Course is for you personally and may not be shared with others.

2.5. Changes to the Course: We may update, change, suspend or withdraw the Course, or remove access to it, at any time. Because the Course is free, no compensation is due if we do so.

3. Emails

3.1. When you sign up, we will add you to our email list, which is managed by our third-party email provider, Kit, and use it to send you the Course lessons and lesson notifications. We may also send you emails about our other courses, including paid courses.

3.2. You can unsubscribe from marketing emails at any time using the link in any email. This will not remove your access to Course materials already in your account.

3.3. You are never required to buy anything. If you choose to buy one of our paid courses, that purchase is covered by the terms shown at checkout.

4. Intellectual Property & License

4.1. Ownership of Content: All Course content belongs to Financive Limited or its licensors and is protected by copyright, trademark and other intellectual property laws.

4.2. License to Use: We grant you a limited, non-exclusive, non-transferable licence to access and use the Course materials for your own personal, non-commercial use. You may not reproduce, distribute, modify or create derivative works from the Course without our written consent.

4.3. Sharing: You agree not to share, resell, copy or distribute Course materials to third parties. You are welcome to share the link to the Course sign-up page.

5. Disclaimers & Limitation of Liability

5.1. Educational Purpose Only: The Course and its emails are for general information and education only. They are not financial, investment, tax or legal advice, and they do not take into account your personal circumstances. You are solely responsible for your own investment decisions.

5.2. Not Regulated Advice: Financive Limited is not authorised or regulated by the Financial Conduct Authority (FCA) to give personal investment advice. Nothing in the Course is a recommendation to buy or sell any particular investment.

5.3. No Guarantees: We make no promises about the success, profitability or outcomes of any strategy discussed in the Course. Past performance is not a reliable indicator of future results.

5.4. Risk Acknowledgment: Investing involves risk. The value of investments and the income from them can go down as well as up, and you may get back less than you put in. Please do your own research, and consider speaking to a regulated financial adviser before making investment decisions.

5.5. Limitation of Liability: The Course is provided free of charge and "as is". To the fullest extent permitted by law, we will not be liable for any loss arising from your use of the Course, including any investment losses.

5.6. What We Do Not Exclude: 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 under the laws of England and Wales. Nothing in these Terms affects your statutory rights as a consumer.

6. User Conduct

6.1. Prohibited Activities: You agree not to:

  • share your login details with others;
  • reproduce, distribute or publicly display Course materials without permission;
  • use the Course for any illegal, fraudulent or unauthorised purpose.

6.2. Termination of Access: We may suspend or end your access to the Course if you breach these Terms.

7. Privacy

We handle your personal information as described in our Privacy Policy, which explains what we collect, why, and the choices you have.

The Course may link to third-party websites or resources. These links are for convenience; we do not endorse and are not responsible for their content, products or services. Using them is at your own risk.

Some links in the Course or its emails may be affiliate links. If you click one and make a purchase, we may receive a commission at no extra cost to you. We only recommend products or services we believe are useful, but we are not responsible for third-party products or services. Please review the terms of any third-party website before buying.

10. Governing Law & Disputes

10.1. Governing Law: These Terms are governed by the laws of England and Wales.

10.2. Disputes: If you have a complaint, please contact us first so we can try to resolve it. If we cannot resolve it directly, we may both agree to try mediation before going to court. Mediation is optional and does not affect your right to bring a claim in the courts. Any dispute that is not resolved will be dealt with by the courts of England and Wales. If you live in Scotland or Northern Ireland, you may also bring proceedings in your local courts.

11. Changes to These Terms

We may update these Terms from time to time. The updated version will be posted on this page with a new "Updated" date. If we make a material change, we will let you know by email. Your continued use of the Course after changes are posted means you accept the updated Terms.

12. Contact Us

If you have any questions about these Terms, contact us at:

Financive Limited
Email: [email protected]

By signing up for or accessing the Course, you confirm that you have read, understood and agree to these Terms of Use.