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Effective Date: 06/01/2023

Thank you for choosing Aynam Limited, trading as SmartMonies, for our online financial literacy classes for children aged 8 to 12. Please read these Terms and Conditions carefully before using our website and services.


1. Acceptance of Terms:

By accessing our website and enrolling in our online financial literacy classes, you agree to comply with and be bound by these Terms and Conditions. If you do not agree with any part of these terms, please do not use our services.


2. Eligibility:

To participate in our online classes, users must be aged between 8 and 12. Parents or legal guardians must provide consent for their child to enroll in our programs.


3. Registration and Account Security:

When registering for our classes, you agree to provide accurate and complete information. You are responsible for maintaining the confidentiality of your account credentials and are fully responsible for all activities that occur under your account.


4. Payment:

Payment for our online financial literacy classes is required before the commencement of the program. Aynam Limited uses secure payment processing methods, and payment details are not stored on our servers.


5. Cancellations and Refunds:

Refunds will be issued in accordance with our refund policy. Cancellation requests must be made in writing to Please refer to our refund policy for detailed information.


6. Online Class Participation:

  1. Technical Requirements:

    • Participants are responsible for ensuring they have the necessary technical requirements, including a stable internet connection and compatible devices, to participate in our online classes.

  2. Code of Conduct:

    • Participants must adhere to a code of conduct that promotes a positive and respectful learning environment. Disruptive behavior may result in removal from the program without a refund.



7. Intellectual Property:

All content provided during our online financial literacy classes, including materials, presentations, and resources, is the intellectual property of Aynam Limited. Participants may not reproduce, distribute, or use such content for commercial purposes without prior written consent.


8. Privacy:

Our Privacy Policy governs the collection, use, and protection of your personal information. By using our services, you consent to the terms outlined in our Privacy Policy.


9. Limitation of Liability:

Aynam Limited shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from the use of our website or online classes.


10. Governing Law:

These Terms and Conditions are governed by the laws of the United Kingdom. Any disputes arising from or relating to these terms shall be subject to the exclusive jurisdiction of the courts in the United Kingdom.


11. Changes to Terms:

Aynam Limited reserves the right to modify or revise these Terms and Conditions at any time. Users will be notified of significant changes, and continued use of our services constitutes acceptance of the updated terms.

Contact Information:

If you have any questions or concerns regarding these Terms and Conditions, please contact us at:

Aynam Limited
9 Moorhouse Road, W2 5DH, London, UK
Phone: 07418082304

Thank you for choosing SmartMonies for your child's financial literacy education. We look forward to providing an enriching and educational experience.

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