Terms and Conditions

Last Updated: [April 2025]

These terms and conditions set out the rules and terms applicable to your subscription to and use of Smart Forex Solutions, operated by TC Commercial Solutions Ltd (“we”, “us”, “our”). 

By enrolling in a programme, you agree that you have reviewed and understood these terms and conditions. 

IMPORTANT: After successfully purchasing or subscribing to a Programme, you will have immediate access to content within the Programme(s). 

By enrolling in a Programme with us, you are agreeing that the supply of the Programme will begin before the end of the cancellation period and that as a result your right to cancel will be lost (please see section 7 below for more information).

You should save a copy of these terms for your future reference. 

You should also read and save a copy of our Privacy Policy and Earnings Disclaimer. 

  1. These terms may have changed since you last reviewed them

For a list of changes and when they were made, please contact us [[email protected]].

  1. Where to find information about us and our products

Smart Forex Solutions’ programmes are educational mentorship programmes designed to teach participants how to trade Forex (“Programmes”). Some courses are available as a one-off purchase, and others on a subscription basis.  We may also offer some live events. 

You can find more information about our Programmes at https://www.smartfxsolutions.com/.  

All content provided by us is strictly for educational purposes and should not be construed as financial advice. We confirm that we do not need to be regulated by the Financial Conduct Authority (FCA) since we do not provide financial advisory services.

This programme is regulated with CPD, and our accreditation number is 50508.

You can find everything you need to know about us, TC Commercial Solutions Ltd, and our products on our website before you purchase or subscribe to a programme. We also confirm the key information to you in writing after you order, either by email or in your online account.

  1. Setting up your account

To access the Programme(s), you will need an account on our website. We will need the following information*: 

  • Name
  • Address
  • Phone Number
  • Email Address
  • Payment Details

*How we use any personal data you give us is set out in our Privacy Notice: 

You may also be asked to fill out a short questionnaire about your experience with trading, and your reasons for wishing to access the Programme. 

You must ensure that the information you provide when you set up your account is accurate and up to date. Please let us know if there are any changes to this information using the contact details below. 

You will have the ability to select which Programmes you would like to access through our website. Please ensure you understand the details of the Programme(s) you are selecting, and get in touch with us if you have any questions. 

You must be 18 or over to access our Programmes. If you are under 18 years old you must not purchase access to, or subscribe to, the Programmes. 

  1. Services

One-Time Fees

Some Programmes or live events are accessible through payment of a one-time fee. For Programmes, once we have received your payment, you will have immediate access to the Programme. For live events, you will need to pay in advance in order to receive information on how to join the live event. 

Subscriptions

Some Programmes are accessible on a subscription basis (the “Subscription”). 

Some Subscriptions may include content or benefits (“Advanced Benefits”) that unlock after a specified period of time  (as set out on the relevant Programme’s information page, where applicable). 

Advanced Benefits are provided at our discretion and we reserve the right to make changes or adjustments to these offerings.

If you cancel your Subscription, you will lose access to any Advanced Benefits if you later re-subscribe. The Advanced Benefits will only be available once you have been re-subscribed after the relevant specified period of time. 

  1. Fees

Access to the Programme(s) and live events is conditional on the payment of the relevant fees.

One-Off Fee Programmes and Live Events

We take payment at the point of enrolment or purchase. We accept payment via direct debit, apple pay, stripe or paypal. 

We will not be able to provide access to the Programme or live event unless payment has been received. 

Subscriptions

For Subscriptions, we take payment via direct debit, apple pay, stripe or paypal either on a monthly basis, or every 6 months, as selected by you during the enrolment process. 

If we do not receive your payment at the time of renewal, we may suspend your access to the Programme until we have received payment in full.  You may lose access to Advanced Benefits if a payment is missed – please ensure you keep your payment details up to date. 

We pass on increases in VAT

If the rate of VAT changes between your order date and the date we supply the product, we adjust the rate of VAT that you pay, unless you have already paid in full before the change in the rate of VAT takes effect.

  1. We’re not responsible for delays outside our control

If our supply of a Programme (or any part of it) or live event is delayed by an event outside our control, such as issues with a denial-of-service attack, our website fails or any other event, we contact you as soon as possible to let you know and do what we can to reduce the delay. As long as we do this, we won’t compensate you for the delay. 

For Subscriptions, if the delay is likely to be substantial you can contact us to end the Subscription, and receive a refund for any products you have paid for in advance, but not received.

  1. Money-back Guarantee

For some services bought online, customers have 14 days after the date their order is confirmed to change their mind about a purchase (a cancellation period), but when you access a Programme you will have instant access to the Programme’s content. Because of this, there is no legal right to change your mind.

By enrolling in a Programme with us, you are agreeing that the supply of the Programme will begin before the end of the cancellation period and that as a result your right to cancel will be lost. 

One-Off Fee Programmes 

We are confident that you will enjoy the Programmes, and we offer a 7-day money-back guarantee for Programmes accessible by paying a one-off fee.

To exercise this guarantee, please contact us for a refund by email at [email protected] within 7 days of enrolling on to the Programme. 

Please ensure you let us know within the 7 days of your enrolment or you may lose access to your account and not receive a refund. We will try to get back to you within 14 days of receiving your request. 

If we reasonably believe that your refund request is made in bad faith (for example to gain access to the Programme for free), we may refuse to refund you. 

After the 7 day period has ended, we will be unable to provide you with a refund unless there is something wrong with the Programme (See section 10 You have rights if there is something wrong with our Programmes). 

 

Live Events

For live events, you can cancel your booking by contacting us at [email protected]. 

 

Unfortunately we cannot refund a booking for a live event if you cancel within 1 week of the live event taking place, unless you are within the cancellation period. 

 

We will try to get back to you within 14 days of receiving your request.

 

  1. You can end a subscription

Subscription products are non refundable, however you can cancel a Subscription at any time, and you will not be charged any further Subscription Fees after cancellation. You will lose access to the benefits of the Subscription at the end of the relevant subscription period (for example, on a monthly subscription, at the end of that month). 

If you want to cancel your Subscription you should make sure you cancel before the end of the relevant subscription period, if you do not cancel and payments are taken, we cannot provide a refund. 

To cancel your Subscription, you must follow the links in your website account. We confirm this information to you in writing after we’ve accepted your order. 

  1. Acceptable Use Rules

When you access a Programme, our website, any free content on our website, any other content, Discord servers or any features of a Programme, you:

MUST

  • Comply with these terms and conditions.
  • Only use your account for your own personal use. 
  • Ensure that you attend any mentoring or personal support meetings on time, and if you can no longer make an appointment, let us know at least 48 hours in advance. 
  • Assume full responsibility for your trading activities - read our Earnings Disclaimer (linked here).

MUST NOT

  • Share your account’s password with any other person, or allow any other person to access your account.
  • Download, duplicate, copy, reuse, or distribute any part of our course materials without our express written permission. 
  • Use the course materials to develop or provide your own courses. 
  • Promote your own business without our express written permission. 
  • Use our website or content in any way that breaches any local, national or international law or regulation. 
  • Use our website that is in any way unlawful or fraudulent or has any unlawful or fraudulent purpose or effect. 
  • Use our course materials to train Artificial Intelligence (AI) in any way, without our express written permission.
  • Bully, insult, intimidate or humiliate any person.
  • Transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation or spam. 
  • Transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware
  • Send, knowingly receive, upload, download, share, post, use or re-use any material which may:
    • Be defamatory of any person.
    • Be obscene, offensive, hateful or inflammatory.
    • Infringe any copyright, database right or trade mark of any other person. 
    • Be likely to deceive another person.
    • Contain illegal content, promote illegal activity, or incite any party to commit a criminal act.
    • Be in contempt of court.
    • Be threatening, abuse or invade another person’s privacy, or cause annoyance, inconvenience or needless anxiety.
    • Be likely to harass, upset, embarrass, alarm or annoy any other person. 
    • Breach any legal duty owed to a third party, such as a contractual duty or a duty of confidence.
    • Give the impression that the content is produced by Smart Forex Solutions, if this is not the case. 
    • Impersonate any person or misrepresent your identity or affiliation with any person. 
    • Be pornographic. 

Any breach of our Acceptable Use Rules could result in you losing access to the Programmes and all related features. 

  1. You have rights if there is something wrong with our courses

If you think there is something wrong with our website, content, or subscription, you must contact us: [[email protected]]. 

Your legal rights are summarised below. These are subject to certain exceptions. For detailed information please visit the Citizens Advice website www.citizensadvice.org.uk. Remember too that you have several options for resolving disputes with us.

Summary of your key legal rights 


If your product is digital content, for example an online course, the Consumer Rights Act 2015 says digital content must be as described, fit for purpose and of satisfactory quality:

  • If your digital content is faulty, you’re entitled to a repair or a replacement.
  • If the fault can’t be fixed, or if it hasn’t been fixed within a reasonable time and without significant inconvenience, you can get some or all of your money back.
  • If you can show the fault has damaged your device and we haven’t used reasonable care and skill, you may be entitled to a repair or compensation

If your product is services, for example mentorship sessions, the Consumer Rights Act 2015 says:

  • You can ask us to repeat or fix a service if it’s not carried out with reasonable care and skill, or get some money back if we can’t fix it.
  • If a price hasn’t been agreed upfront, what you’re asked to pay must be reasonable.
  • If a time hasn’t been agreed upfront, it must be carried out within a reasonable time.

 

  1. We can change products and these terms

Changes we can always make

We can always change a product:

  • to reflect changes in relevant laws and regulatory requirements;
  • to make minor technical adjustments and improvements, for example to address a security threat. These are changes that don’t affect your use of the product, or may only result in minor changes; and
  • to update digital content, provided that the digital content always matches the description of it that we provided to you before you bought it. 

Changes we can only make if we give you notice and an option to terminate

This part is applicable to Subscriptions only - some changes may be more significant and if we need to make these changes, we’ll notify you and you can then end the Subscription before the change takes effect. 

  1. We can suspend supply (and you have rights if we do)

We can suspend access to a Programme. We do this to:

  • deal with technical problems or make minor technical changes;
  • update the product to reflect changes in relevant laws and regulatory requirements; or
  • make changes to the product (see We can change products and these terms).

We let you know, and in case of Subscriptions we may adjust the price and may allow you to terminate. We contact you in advance to tell you we’re suspending access to the Programme, unless the problem is urgent or an emergency. 

This part is for Subscriptions only - if we suspend the product for longer than 14 days in any 30 day period, we adjust the price so you don’t pay for it while its suspended. If we suspend supply, or tell you we’re going to suspend supply, for more than 30 days you can terminate the Subscription and we’ll refund any sums you’ve paid in advance for services you won’t receive.

  1. We can withdraw the Programme or specific courses

We can stop providing content, such as an ongoing service or a Subscription for digital content. We let you know at least 30 days in advance and we refund any sums you’ve paid in advance for products which won’t be provided.

  1. We can end our contract with you

We can end our contract with you for a product and claim any compensation due to us (including enforcement costs) if:

  • you breach our acceptable use rules (set out above at section 9);
  • you don’t make any payment to us when it’s due and you still don’t make payment within 30 days of our reminding you that payment is due.
  1. We don’t compensate you for all losses caused by us or our products

We’re responsible for losses you suffer caused by us breaking this contract unless the loss is:

  • Unexpected. It was not obvious that it would happen and nothing you said to us before we accepted your order meant we should have expected it (so, in the law, the loss was unforeseeable).
  • Caused by a delaying event outside our control. As long as we have taken the steps set out in the section We’re not responsible for delays outside our control.
  • Avoidable. Something you could have avoided by taking reasonable action. For example, damage to your own digital content or device, which was caused by digital content we supplied and which you could have avoided by following our advice or having the minimum system requirements advised by us.
  • A business loss. It relates to your use of a product for the purposes of your trade, business, craft or profession.
  1. You have several options for resolving disputes with us

Our complaints policy 

We will do their best to resolve any problems you have with us or our products. If you have a complaint, please contact us – we will get back to you as soon as possible. 

You can go to court

These terms are governed by English law and wherever you live you can bring claims against us in the English courts. If you live in Wales, Scotland or Northern Ireland, you can also bring claims against us in the courts of the country you live in. We can claim against you in the courts of the country you live in.

  1. Other important terms apply to our contract

We can transfer our contract with you, so that a different organisation is responsible for supplying your product. We’ll contact you to let you know if we plan to do this. If you’re unhappy with the transfer you can contact us to end the contract.

You can only transfer your contract with us to someone else if we agree to this. 

Nobody else has any rights under this contract. This contract is between you and us. Nobody else can enforce it and neither of us will need to ask anybody else to sign-off on ending or changing it.

If a court invalidates some of this contract, the rest of it will still apply. If a court or other authority decides that some of these terms are unlawful, the rest will continue to apply.

Even if we delay in enforcing this contract, we can still enforce it later. We might not immediately chase you for not doing something (like paying) or for doing something you’re not allowed to, but that doesn’t mean we can’t do it later.

 

Privacy Policy

Last Updated: April 2025

This Privacy Policy explains how TC Commercial Solutions Ltd ("we", "us", "our") collects, uses, stores, and shares your personal data when you use our services, including any Programmes, website access, subscriptions, and live events provided through Smart Forex Solutions.

We are committed to protecting and respecting your privacy. This policy applies to all users of our services and website (https://www.smartfxsolutions.com).

If you have any questions or concerns about how we use your data, please contact us at:
📧 [email protected]

1. Who We Are

TC Commercial Solutions Ltd is the data controller responsible for your personal data. Our registered office address is available on request and is also listed on our Companies House registration.

2. What Personal Data We Collect

We collect the following types of data:

a) Information You Provide to Us

  • Full name

  • Email address

  • Phone number

  • Billing address

  • Payment information (processed via secure third-party providers)

  • Questionnaire responses (e.g., trading experience, goals)

  • Any communications with us, including emails or support requests

b) Automatically Collected Data

  • IP address

  • Device information (e.g., browser, OS)

  • Cookies and usage tracking on our site

  • Login timestamps and usage statistics

  • Interaction with our emails (opens, clicks)

We do not collect or store your full payment card details. These are handled securely by Stripe, PayPal, Apple Pay, or Direct Debit services.

3. How We Use Your Personal Data

We process your personal data to:

  • Provide access to Programmes and live events

  • Process payments and manage subscriptions

  • Respond to customer support inquiries

  • Improve our website and services

  • Comply with legal obligations

  • Prevent fraud and misuse

  • Send administrative updates and communications (e.g., service announcements)

We may also send occasional marketing communications (if you’ve opted in). You can unsubscribe at any time.

4. Our Legal Bases for Processing Your Data

Under data protection law, we can only use your personal data if we have a valid reason. These include:

  • Performance of a contract: To provide access to the Programmes or services you’ve purchased.

  • Legal obligation: For tax, accounting, or regulatory compliance.

  • Legitimate interests: For security, fraud prevention, business analysis, and improvement of services.

  • Consent: For optional marketing communications.

5. Who We Share Your Data With

We do not sell your data. However, we may share your data with the following trusted parties:

  • Payment processors (e.g., Stripe, PayPal, Apple Pay)

  • Cloud service providers (e.g., hosting platforms, CRM tools)

  • Our customer support platform and email service provider

  • Legal, accounting, or regulatory authorities when required

  • Professional advisers (legal, insurance, or financial)

All third parties are required to treat your data securely and only for the purpose we’ve specified.

6. International Data Transfers

Some of our service providers may be based outside the UK/EEA. If this is the case, we ensure appropriate safeguards (such as standard contractual clauses or UK adequacy decisions) are in place to protect your data.

7. How Long We Keep Your Data

We retain your data only as long as necessary to:

  • Fulfil the purposes outlined in this Privacy Policy

  • Comply with legal obligations (e.g., financial recordkeeping)

  • Resolve disputes and enforce our agreements

Inactive accounts or customers will generally have their personal data deleted or anonymised after 6 years unless otherwise required by law.

8. Your Rights

Under UK GDPR, you have the right to:

  • Access the personal data we hold about you

  • Correct inaccurate or incomplete data

  • Delete your data ("right to be forgotten")

  • Restrict or object to certain types of processing

  • Data portability – request transfer of your data

  • Withdraw consent (where applicable)

To exercise any of these rights, email us at [email protected].

If you are unhappy with how we handle your data, you can also lodge a complaint with the Information Commissioner’s Office (ICO):
🔗 www.ico.org.uk

9. Cookies and Tracking Technologies

We use cookies to enhance user experience and track usage. You can control cookie settings through your browser. For more information, please see our [Cookie Policy] (link to be added).

10. Data Security

We implement technical and organisational measures to protect your data, including:

  • SSL encryption on our website

  • Secure payment gateways

  • Role-based access to data

  • Regular vulnerability assessments and backups

Despite our efforts, no online system is 100% secure. Please keep your password confidential and avoid sharing your account.

11. Children’s Privacy

Our services are not intended for children under 18. If we become aware that we’ve collected data from someone under 18 without parental consent, we will delete it.

12. Changes to This Policy

We may update this Privacy Policy from time to time. If we make significant changes, we will notify you via email or website announcement.

You should review this page periodically for updates. The “Last Updated” date at the top indicates when this policy was last revised.

13. How to Contact Us

For questions, concerns, or data rights requests, please contact:
TC Commercial Solutions Ltd
📧 [email protected]
🌐 www.smartfxsolutions.com