Terms and Conditions

Last updated: May 2026

Welcome to the Finance 4.0 Summer School website. These Terms and Conditions govern your access to and use of this website, as well as your application for and participation in Finance 4.0 Summer School events, programs, courses, workshops, and related activities.

By using this website, submitting an application, or participating in any Finance 4.0 Summer School program, you agree to these Terms and Conditions.

1. Organizer

Finance 4.0 Summer School is organized as part of the Banking 4.0 Academy initiative, dedicated to executive education, professional development, and high-level knowledge exchange in banking, fintech, insurance, payments, digital finance, technology, regulation, and related sectors.

For questions regarding the program, applications, participation, fees, or these Terms and Conditions, you may contact us using the details below.

2. About the Program

Finance 4.0 Summer School is an executive education program designed for professionals who want to better understand and lead transformation in finance, banking, fintech, insurance, payments, digital platforms, regulation, cybersecurity, data, artificial intelligence, and related areas.

The program may include lectures, expert sessions, case studies, practical exercises, workshops, peer discussions, networking sessions, and other learning formats. The structure of each edition may differ depending on the agenda, lecturers, venue, strategic focus, and operational requirements.

The information presented on this website, including agenda, lecturers, topics, venue, dates, fees, benefits, and program structure, is provided for general information purposes and may be updated from time to time.

3. Application and Admission

Participation in Finance 4.0 Summer School is application-based and subject to approval by the organizer.

Submitting an application does not guarantee acceptance. The organizer reserves the right to review each application and approve or decline participation based on professional background, program fit, available seats, experience level, and other relevant criteria.

After approval, the applicant will receive confirmation and payment instructions. Participation is confirmed only after the required payment has been made, unless otherwise agreed in writing by the organizer.

4. Fees and Payment

The participation fee is displayed on the website or communicated directly by the organizer.

The fee may include access to the educational program, course materials, selected networking activities, coffee breaks, meals, and other benefits, depending on the specific description of the program edition.

Payment is usually made by bank transfer based on an invoice issued after the application has been approved. Other payment methods may be accepted only if expressly communicated by the organizer.

All fees are payable in the currency stated in the offer or invoice. Taxes, VAT, bank charges, and other applicable costs may apply according to the invoice and applicable law.

5. Discounts and Special Offers

Discounts, early bird offers, partner benefits, group bonuses, or other promotional campaigns may be available for a limited time.

Each discount or special offer is subject to the specific conditions communicated by the organizer. Discounts cannot be combined unless this is expressly confirmed in writing.

The organizer reserves the right to modify, suspend, or withdraw any discount or promotional offer at any time. Such changes do not affect already confirmed and paid registrations, unless otherwise agreed.

6. Cancellation, Refunds, and Transfers

If a participant wishes to cancel their participation, they must notify the organizer in writing by email at academy@banking40.ro.

Unless otherwise stated in a specific offer, invoice, or written agreement, cancellations made more than 30 calendar days before the program start date may be eligible for a full or partial refund.

Cancellations made between 15 and 30 calendar days before the program start date may be eligible for a partial refund, depending on the costs already incurred by the organizer.

Cancellations made less than 15 calendar days before the program start date may not be refundable.

A confirmed seat may be transferred to another eligible participant, subject to the organizer’s prior written approval.

Nothing in these Terms and Conditions limits any mandatory rights granted under applicable law.

7. Changes to the Program

The organizer makes reasonable efforts to deliver the program as described. However, the organizer reserves the right to make changes to the agenda, lecturers, schedule, venue, format, content, or other program elements when necessary.

Such changes may occur due to lecturer availability, operational needs, venue-related matters, force majeure events, public authority decisions, legal restrictions, or other circumstances beyond the organizer’s reasonable control.

If the program is postponed, rescheduled, moved to another venue, or adapted to another format, registered participants will be informed as soon as reasonably possible.

8. Event Cancellation by the Organizer

The organizer reserves the right to cancel the program if necessary, including but not limited to insufficient registrations, force majeure, venue unavailability, public authority restrictions, health and safety reasons, or other circumstances beyond reasonable control.

In case of cancellation by the organizer, participants will be informed and may be offered a refund, transfer to a future edition, or another suitable solution, depending on the circumstances.

The organizer shall not be liable for travel, accommodation, lost business opportunities, or other indirect costs incurred by participants, unless required by applicable law.

9. Participant Conduct

Participants are expected to behave professionally and respectfully throughout the program.

The organizer may refuse access to or remove any participant who behaves inappropriately, disrupts the program, violates these Terms and Conditions, damages property, harasses others, or acts in a way that may affect the safety, reputation, or professional environment of the program.

In such cases, no refund may be granted.

10. Intellectual Property

All materials provided during the program, including presentations, documents, frameworks, exercises, videos, recordings, images, texts, designs, logos, and other content, are protected by intellectual property rights.

Participants may use the materials for personal and professional learning purposes only.

Participants may not copy, reproduce, distribute, publish, sell, license, upload, record, or commercially exploit any program materials without the prior written consent of the organizer or the relevant rights holder.

11. Website Content

The content available on this website is provided for general information purposes only.

While we aim to keep the information accurate and up to date, we do not guarantee that all content is complete, current, or free from errors.

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

12. Third-Party Links

This website may contain links to third-party websites, social media pages, partner websites, payment platforms, maps, or other external resources.

These links are provided for convenience only. We do not control and are not responsible for the content, policies, services, or practices of third-party websites.

Accessing third-party websites is done at your own risk.

13. Photos, Video, and Event Recording

During Finance 4.0 Summer School events, photos, videos, or audio recordings may be taken for communication, documentation, promotional, or archival purposes.

By attending the event, participants acknowledge that they may appear in such materials. If a participant does not wish to be photographed or recorded, they should inform the organizer in writing before the event or at registration.

Use of images and recordings will be handled in accordance with the applicable privacy policy and data protection rules.

14. Personal Data

We process personal data in accordance with our Privacy Policy, which explains what data we collect, why we collect it, how it is used, how long it is stored, and what rights you have.

By using this website, submitting an application, or participating in the program, you acknowledge that your personal data may be processed for purposes such as application review, event administration, invoicing, communication, participant management, and legal compliance.

Please read our Privacy Policy before submitting any personal data.

15. Limitation of Liability

To the maximum extent permitted by law, the organizer shall not be liable for indirect, incidental, special, consequential, or punitive damages, including loss of profit, loss of business, loss of opportunity, or reputational damage arising from the use of this website or participation in the program.

The organizer does not guarantee any specific professional, financial, business, or career outcome as a result of participating in the program.

Nothing in these Terms and Conditions excludes or limits liability where such limitation is not permitted by applicable law.

16. Force Majeure

The organizer shall not be liable for any delay, failure, interruption, or cancellation caused by events beyond its reasonable control.

Such events may include natural disasters, war, terrorism, strikes, epidemics, pandemics, public authority restrictions, technical failures, transport disruption, venue closure, power outages, cyber incidents, or other force majeure circumstances.

17. Governing Law

These Terms and Conditions are governed by the laws of Romania, unless mandatory consumer protection rules provide otherwise.

Any dispute arising from or in connection with these Terms and Conditions shall first be addressed amicably between the parties.

If no amicable solution is reached, the dispute may be submitted to the competent courts or authorities, according to applicable law.

18. Updates to These Terms

We may update these Terms and Conditions from time to time.

The updated version will be published on this page, together with the date of the latest update. Continued use of the website or participation in the program after changes are published means that you accept the updated Terms and Conditions.

19. Contact

For questions regarding these Terms and Conditions, please contact us using the details below.