Terms & Conditions

1. About FOVARO

FOVARO is a UK sole trader based in Boston, Lincolnshire, trading under the name "FOVARO". FOVARO is an independent revision-practice product built by a third party. FOVARO is not affiliated with, endorsed by, or provided by The London Institute of Banking & Finance (LIBF) or Walbrook, and "CeMAP" is used descriptively, on the understanding that CeMAP® is LIBF/Walbrook's trademark.

2. The contract and trader information

The trader you are contracting with is:

Darren Pickles, trading as FOVARO
Boston, Lincolnshire, UK
Email: hello@fovaro.co.uk

FOVARO is a sole trader, not a registered company, so there is no company registration number to disclose. Your contract is with the trader named above. A contract is formed when your payment is accepted and confirmed by our payment provider, Stripe.

3. The FOVARO digital product

FOVARO is a self-study CeMAP 1 exam-practice web app, based on the current FSRE syllabus. It includes a bank of practice questions, instant marking, explanations, and progress tracking. It is a study aid only — it is not a course, tuition, or a guarantee of exam success, and it is not itself the CeMAP 1 exam.

4. Price and payment

FOVARO costs £14.99, paid once. There is no subscription and no recurring charge. This is the total price payable, and it includes any taxes that are legally required to be included. Payment is processed securely by Stripe; we never see or store your card details. Prices are shown in GBP.

5. Digital delivery and access

After payment is confirmed, we send you a sign-in link by email so you can create your account and access the app. Access is provided as soon as reasonably possible after payment, normally within a few minutes. Please check your spam/junk folder if you don't see it, and contact hello@fovaro.co.uk if access doesn't arrive.

6. Account and access rules

Your access is personal to you and linked to the email address you purchased with. Please don't share your account or sign-in link with others. You're responsible for keeping your sign-in link/access confidential. We may suspend or close accounts used in a way that breaches these terms, such as sharing access with people who haven't purchased it.

7. Cancellation and your digital-content rights

Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, you normally have a 14-day right to cancel an online purchase. FOVARO provides digital content — access to the app — immediately after your purchase, before that 14-day period would otherwise end.

Because of this, you lose your right to cancel once we begin supplying that content, but only where, before payment is taken, you have given your express consent to immediate access and acknowledged that you will lose your cancellation right as a result. We collect this consent and acknowledgement at checkout, before payment and before access is given. Simply opening or using the app afterwards is not, by itself, what removes your cancellation right — it's the consent and acknowledgement given at checkout that does this.

If you haven't given that consent and acknowledgement, or if we haven't yet begun supplying the content, your 14-day cancellation right still applies. Whether or not your cancellation right has ended, this is separate from your statutory rights if the product is faulty or doesn't match what was described — see Section 8.

8. Refunds and statutory consumer rights

Once your cancellation right has ended in line with Section 7, we don't offer refunds simply because you've changed your mind. Nothing in these terms excludes or limits your statutory rights under the Consumer Rights Act 2015. If the FOVARO app is faulty, not as described, or not fit for purpose, you're entitled to:

• a repair or replacement (for example, us fixing a fault); or
• if that isn't possible or doesn't fix the problem within a reasonable time, a price reduction or a refund.

If you believe there's a genuine problem with the product, contact hello@fovaro.co.uk and we'll look into it.

9. Intellectual property

All content in the FOVARO app — including questions, explanations, design, and code — belongs to FOVARO or its licensors. You're given a personal, non-transferable licence to use it for your own exam preparation. You may not copy, redistribute, resell, scrape, or publish the content elsewhere.

10. Acceptable use

Please use FOVARO fairly and legally. You agree not to: share or resell your access; attempt to copy or extract the question bank; interfere with or attempt to disrupt the app or its underlying systems; or use the app for any unlawful purpose.

11. Exam-preparation disclaimer

FOVARO is a revision aid, not a guarantee. Using FOVARO doesn't guarantee that you'll pass the CeMAP 1 exam, and we make no promises about exam outcomes. The question bank is based on the publicly available FSRE syllabus at the time of writing; syllabus content can change, and it's your responsibility to check the current official syllabus with LIBF.

12. Availability and technical issues

We aim to keep FOVARO available and working properly, but we can't guarantee uninterrupted access — for example, during maintenance, or due to issues with third-party services we rely on (such as Supabase or Stripe). We'll try to fix genuine faults promptly if you let us know.

13. Changes to the service

We may update, improve, or make minor changes to the app and its content from time to time (for example, adding or revising questions). We'll aim to keep the core product — access to a CeMAP 1 practice question bank — consistent with what you purchased.

14. Complaints

If something's gone wrong, please email hello@fovaro.co.uk first so we can try to put it right. We aim to respond within a reasonable time.

15. Privacy

Our separate Privacy Policy explains what personal data we collect and how we use it.

16. Governing law and jurisdiction

These terms are governed by the law of England and Wales. Any disputes will be subject to the non-exclusive jurisdiction of the courts of England and Wales. If you live elsewhere in the UK, you may also be able to bring proceedings in your local courts, and mandatory consumer protections in your home nation are not affected.