Training Terms and Conditions of AFTI Services

Effective Date: 11/09/2025

These Training Terms and Conditions (“Agreement”) form a legally binding contract between the enrolling individual (“Student” or “Delegate”) and AFTI LLC (UAE) and/or AFTI LLP (UK), collectively referred to as “AFTI”, “we”, “us”, or “our.” By registering for or participating in any training program, workshop, or course (the “Program”), the Student acknowledges that they have read, understood, and agreed to be bound by these Training Terms and Conditions.

1. Contracting Entities

1.1. In the United Arab Emirates, services are delivered by AFTI LLC, incorporated in Dubai, UAE, under Trade License No. TRN: 104276745700001, with offices at 2101 Al Marzouqi Tower, Sharjah Corniche, Sharjah, and 15 Al Sarab Tower, ADGM, Abu Dhabi.

1.2. In the United Kingdom, services are delivered by AFTI LLP, incorporated in England and Wales with its registered office at 30 Churchill Pl, London E14 5RE.

1.3. References to “AFTI” herein apply to the relevant entity delivering services within its jurisdiction.

2. Definitions

• Program: Any training, educational, or professional development course organized or delivered by AFTI.
• Student/Delegate: Any individual enrolled in a Program.
• Study Materials: Printed, electronic, or digital course content provided by AFTI.

3. Program Administration

3.1. AFTI may amend Program content, schedules, venues, trainers, or delivery methods in response to operational needs or unforeseen circumstances.
3.2. Trainers are allocated by AFTI; substitutions cannot be requested by Students.
3.3. Students must keep AFTI updated with accurate contact details.
3.4. Missed classes are not replaced by individual sessions but may be supported through recordings and resources.

4. Exclusions

4.1. Unless expressly stated, Program fees exclude exam/registration fees charged by professional bodies (e.g., CFA Institute, ACCA, IMA, GARP). These are payable directly by Students.
4.2. Study Materials may not always be included; Students may purchase them separately when necessary.

5. Fees and Payment

5.1. Program fees must be paid in full at registration unless an installment plan is agreed in writing.
5.2. Installments may require post-dated cheques (UAE) or standing orders/Direct Debits (UK). Processing fees may apply.
5.3. Payments may be made via Visa/MasterCard debit or credit cards; cash is not accepted.
5.4. Study Materials are released only after full or first installment payment.
5.5. All fees are exclusive of VAT/UK VAT, charged as per prevailing law.

6. Refunds and Deferrals

6.1. If AFTI cancels a Program, Students may request a refund or transfer to a future Program.
6.2. Deferrals are permitted once per Student, subject to conditions.
6.3. Refunds, if applicable, are processed within 30 working days.
6.4. Costs of Study Materials already issued will be deducted from refunds.
6.5. No refund or deferral is available once 25% or more of the Program is delivered.

7. Study Materials

7.1. Materials are for personal use only.
7.2. Reproduction, resale, or distribution is prohibited.
7.3. Replacement of lost or damaged materials incurs additional charges.

8. Conduct and Discipline

8.1. Students must follow AFTI’s Code of Conduct.
8.2. Recording of sessions is prohibited.
8.3. AFTI may remove Students without refund for disruptive or unethical conduct.

9. Digital Access

9.1. LMS access is provided for the duration stated at registration.
9.2. Extensions may be purchased separately.
9.3. Digital forums are for academic purposes only; misuse may result in removal.

10. Free Re-sit Policy

10.1. At its discretion, AFTI may permit Students to re-attend a Program if they meet attendance and assessment conditions.
10.2. Free re-sit rights exclude new materials, digital extensions, or exam fees.

11. Termination

11.1. AFTI may terminate enrollment for breaches of these Training Terms and Conditions or the Code of Conduct.
11.2. No refunds apply in such cases.

12. Liability

12.1. Participation is at the Student’s own risk.
12.2. Except for fraud, gross negligence, or willful misconduct, AFTI is not liable for loss, injury, or damages.
12.3. Liability shall not exceed the Program fees paid.

13. Data Protection

13.1. AFTI processes personal data in compliance with GDPR, UK Data Protection Act 2018, and UAE regulations.
13.2. Data is not sold to third parties and is shared only where necessary.

14. Compliance with Law

14.1. AFTI will not provide services or accept payments in breach of laws, sanctions, or regulations.

15. Governing Law & Jurisdiction

15.1. Services in the UAE are governed by UAE law, with Dubai courts holding jurisdiction.
15.2. Services in the UK are governed by the laws of England and Wales, with English courts holding jurisdiction.