Please read these Terms of Use carefully before accessing or using the PetFinanceEdu website operated by MATADOR SEMINARS LTD.
Last Updated: January 15, 2026
By accessing, browsing, or using the PetFinanceEdu website (the "Website"), located at the domain operated by MATADOR SEMINARS LTD (referred to as "we," "us," or "our"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Use (the "Terms"). If you do not agree with any part of these Terms, you must not access or use the Website.
These Terms constitute a legally binding agreement between you (the "User") and MATADOR SEMINARS LTD. By using the Website, you represent and warrant that you are at least 16 years of age. If you are under 16 years of age, you may not use this Website without the supervision and consent of a parent or legal guardian. We do not knowingly allow individuals under 16 to register for our webinar series without parental consent.
Your continued use of the Website following any updates or modifications to these Terms constitutes your acceptance of those changes. We encourage you to review these Terms periodically to stay informed about the conditions governing your use of the Website and our educational services.
MATADOR SEMINARS LTD operates the PetFinanceEdu website to provide educational content related to family financial literacy with a specific focus on managing expenses and planning investments for pet care. The Website serves as an informational resource and registration platform for our free educational webinar series titled "Family Financial Literacy with Pets: Planning Expenses and Investments for Animals."
Our services include, but are not limited to, the following:
The webinar series consists of two sessions. Session 1, scheduled for November 10, 2026, covers introductory topics such as budgeting for pet care, regular payments and insurance, and managing food and veterinary costs. Session 2, scheduled for November 17, 2026, delves into advanced financial planning for pet owners, including long-term benefits, cost-saving strategies, and the connection between emotional health and financial resilience.
The scope of our services is strictly educational. We do not sell products, provide personalized financial consulting, or offer any form of commercial service beyond our educational programming. All webinar content is presented for general knowledge purposes and is grounded in published academic research from recognized journals in the fields of family finance, consumer affairs, animal behaviour science, and psychology.
When using the Website, you agree to comply with all applicable laws, regulations, and these Terms. You acknowledge that you are solely responsible for your conduct while using the Website and for any content that you submit through our forms.
Specifically, you agree not to:
We reserve the right to investigate any suspected violation of these obligations and to take appropriate action, including but not limited to suspending or terminating your access to the Website, reporting suspected illegal activity to law enforcement authorities, and pursuing any available legal remedies.
All content on the Website, including but not limited to text, graphics, images, logos, icons, audio and video clips, data compilations, page layouts, underlying code, and software, is the property of MATADOR SEMINARS LTD or its content providers and is protected by United Kingdom and international copyright, trademark, patent, and other intellectual property laws.
The PetFinanceEdu name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of MATADOR SEMINARS LTD. You may not use these marks without our prior written permission. All other names, logos, product and service names, designs, and slogans referenced on this Website are the trademarks of their respective owners.
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Website and its content for your personal, non-commercial, educational purposes only. This license does not include the right to:
This license shall automatically terminate if you violate any of these restrictions and may be terminated by MATADOR SEMINARS LTD at any time. Upon termination of this license, you must destroy any downloaded materials in your possession, whether in electronic or printed format.
The Website provides educational content only. All materials, including webinar presentations, articles, resources, and any other information provided through the Website, are intended for general educational and informational purposes only.
The materials presented on the Website and during the webinar series are not intended to constitute and should not be interpreted as:
You acknowledge and agree that any actions you take based on the information provided on the Website or during the webinar series are at your own risk and discretion. MATADOR SEMINARS LTD shall not be held responsible for any decisions made or actions taken based on the educational content provided.
The Website and all content, materials, information, and services provided through it are offered on an "as is" and "as available" basis without any warranties of any kind, whether express or implied. To the fullest extent permitted by applicable law, MATADOR SEMINARS LTD disclaims all warranties, express or implied, including but not limited to:
While we strive to provide accurate and up-to-date educational content based on published academic research, we cannot guarantee that all information on the Website is current, complete, or entirely accurate. Research findings in the fields of family finance, behavioral economics, and animal behaviour science are subject to ongoing development, and previously published conclusions may be revised or updated over time.
We make reasonable efforts to ensure the Website is accessible and functional, but we do not guarantee continuous, uninterrupted access. The Website may be temporarily unavailable due to maintenance, updates, server issues, or circumstances beyond our control.
To the maximum extent permitted by applicable law, MATADOR SEMINARS LTD, its directors, officers, employees, agents, partners, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:
In no event shall the total aggregate liability of MATADOR SEMINARS LTD for all claims arising out of or relating to the use of the Website exceed the sum of fifty British pounds sterling (GBP 50.00). This limitation applies regardless of the theory of liability, whether based on warranty, contract, tort (including negligence), strict liability, or any other legal theory.
Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitations may not apply to you in full. In such jurisdictions, our liability shall be limited to the greatest extent permitted by law. Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under applicable law.
You agree to defend, indemnify, and hold harmless MATADOR SEMINARS LTD, its directors, officers, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, or expenses (including but not limited to reasonable legal fees) arising from or related to:
This indemnification obligation will survive the termination of these Terms and your use of the Website. We reserve the right, at your expense, to assume the exclusive defence and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defence of such claims.
The Website may contain links to third-party websites, resources, or services that are not owned or controlled by MATADOR SEMINARS LTD. These links are provided solely for your convenience and reference. We do not endorse, approve, or assume any responsibility for the content, products, services, privacy policies, or practices of any third-party websites or resources.
When you access a third-party website through a link on our Website, you do so at your own risk, and these Terms no longer govern your use of that external site. We strongly encourage you to read the terms of use and privacy policies of any third-party website you visit.
MATADOR SEMINARS LTD shall not be liable for any damage or loss caused or alleged to be caused by or in connection with your use of or reliance on any content, goods, or services available on or through any third-party website. References to academic journals and research publications on the Website are made for educational citation purposes and do not imply any partnership, affiliation, or endorsement by those publications.
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Website, you consent to the data practices described in our Privacy Policy.
We collect only the minimum amount of personal data necessary to operate the Website and provide our educational services. Specifically, we collect your name and email address when you register for our webinar series, solely for the purpose of organizing webinar registration, sending webinar access links, and communicating event-related updates.
We do not sell, trade, or share your personal data with third parties for marketing purposes. For full details on how we handle your data, including your rights under the General Data Protection Regulation (GDPR) and how to exercise them, please review our Privacy Policy. Our use of cookies is detailed in our Cookies Policy.
These Terms and any dispute or claim arising out of or in connection with them, their subject matter, or their formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of England and Wales.
The courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms, their subject matter, or their formation. However, if you are a consumer resident in another part of the United Kingdom (Scotland or Northern Ireland), you may also bring proceedings in the courts of the country in which you are domiciled.
If you are accessing the Website from outside the United Kingdom, you are responsible for compliance with local laws to the extent that they are applicable. Nothing in these Terms shall limit any rights you may have under applicable consumer protection legislation in your country of residence that cannot be waived by contract.
In the event of any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Website, you agree to first attempt to resolve the matter informally by contacting us directly at [email protected]. We will make reasonable efforts to resolve any concerns within thirty (30) calendar days of receiving your written notice.
If the dispute cannot be resolved informally within the thirty-day period, either party may pursue resolution through the courts as described in the Governing Law and Jurisdiction section above. Both parties agree to engage in the informal resolution process in good faith before initiating any formal legal proceedings.
European Union residents may also utilize the Online Dispute Resolution (ODR) platform provided by the European Commission for the resolution of online consumer disputes. However, as our services are provided free of charge and are purely educational in nature, the applicability of consumer dispute resolution mechanisms may be limited.
We reserve the right to suspend or terminate your access to the Website, without prior notice or liability, for any reason, including but not limited to:
Upon termination, your right to access and use the Website will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, the educational disclaimer, indemnification, and limitations of liability.
If your access is terminated due to a violation of these Terms, you may not create a new account or attempt to access the Website through other means. We may also take additional legal action as we deem appropriate to protect our rights and interests.
MATADOR SEMINARS LTD reserves the right to modify, amend, or update these Terms at any time. When we make changes to these Terms, we will update the "Last Updated" date at the top of this page. If we make material changes that significantly affect your rights or obligations, we will provide at least fourteen (14) calendar days' notice before the changes take effect.
Notification of material changes may be provided through one or more of the following methods:
Your continued use of the Website after the effective date of any modifications to these Terms constitutes your acceptance of the modified Terms. If you do not agree to the updated Terms, you should discontinue your use of the Website. We encourage you to review this page periodically to stay informed of any changes.
If you have any questions, concerns, or comments about these Terms of Use, or if you wish to report a violation of these Terms, please contact us using the information below:
We will make every reasonable effort to respond to your inquiry within five (5) business days. For urgent matters related to potential violations of these Terms or security concerns, please include "URGENT" in the subject line of your email.
Severability: If any provision of these Terms is held to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect. The invalidity or unenforceability of any provision shall not affect the validity or enforceability of any other provision.
Waiver: No waiver of any term or condition of these Terms shall be deemed a further or continuing waiver of that term or any other term. Our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.
Entire Agreement: These Terms, together with our Privacy Policy and Cookies Policy, constitute the entire agreement between you and MATADOR SEMINARS LTD regarding your use of the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral.
Assignment: You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent. Any attempt to assign or transfer these Terms without such consent will be null and void. We may freely assign or transfer these Terms without restriction.
We appreciate you taking the time to review our Terms of Use. Our goal is to provide a transparent, fair, and secure environment for all users who access our educational resources on family financial literacy with pets.
If you have any questions about these Terms or our educational webinar series, please do not hesitate to contact us. We are committed to making our educational content accessible and beneficial for families everywhere.