Privacy Policy

1. No Financial, Legal, or Professional Advice

Nothing in this Privacy Policy, on our website, or in any communications from Passage constitutes financial, legal, tax, or professional advice. Any information provided is for general informational purposes only. You should obtain independent professional advice before making any financial, legal, or investment decisions.

2. No Guarantee of Services or Outcomes
Accessing or using our website, products, or services does not guarantee:

• approval of any loan, credit facility, or financial product;

• eligibility for employment, licensure, or professional registration;

• successful completion of examinations or assessments; or

• any particular financial or career outcome.

All applications and decisions are subject to eligibility criteria, underwriting assessments, regulatory requirements, and contractual terms.

3. Accuracy and Completeness of Information
While we take reasonable steps to ensure that information on our website is accurate and up to date, Passage makes no representations or warranties, express or implied, that:

• the information is complete, accurate, or current; or

• access to the website will be uninterrupted or error-free.

We reserve the right to update, modify, or remove content at any time without notice.

4. Limitation of Liability
To the maximum extent permitted by law:

• Passage shall not be liable for any indirect, incidental, consequential, or economic loss arising from your use of (or inability to use) our website or services.

• Nothing in this policy excludes or limits liability for death or personal injury caused by negligence, fraud, or any liability that cannot be excluded under applicable law.

5. Third-Party Content and Services Disclaimer
Our website may contain links to third-party websites, tools, platforms, or services. Passage:

• does not control these third parties;

• is not responsible for their content, privacy practices, or security; and

• does not endorse any third-party products or services unless expressly stated.

Your use of third-party services is subject to their own terms and privacy policies.

6. Regulatory Status Disclaimer
Passage operates within applicable UK laws and regulations. Certain services may be provided in partnership with regulated third parties.
Nothing in this Privacy Policy should be interpreted as implying that Passage is authorised or regulated by the Financial Conduct Authority (FCA) unless explicitly stated elsewhere on our website or contractual documentation.

7. No Waiver of Legal Rights
Nothing in this Privacy Policy or its disclaimers is intended to:

• override or limit your statutory rights under UK data protection law, consumer protection law, or other applicable legislation; or

• waive any rights you may have against Passage under applicable law.

8. Jurisdiction and Governing Law
This Privacy Policy, including these disclaimers, is governed by and construed in accordance with the laws of England and Wales.
Any disputes arising in connection with this Privacy Policy shall be subject to the exclusive jurisdiction of the courts of England and Wales, unless otherwise required by applicable law.

9. Severability
If any provision of this Privacy Policy or these disclaimers is found to be unlawful, invalid, or unenforceable, the remaining provisions shall continue in full force and effect.

10. Language Disclaimer
This Privacy Policy is written in English. Where it is translated into another language, the English version shall prevail in the event of any inconsistency, unless required otherwise by applicable law.