CONSUMER TERMS AND CONDITIONS FOR THE PURCHASE OF ONLINE AND IN-PERSON COURSES
These Terms and conditions (“Terms”) apply to Services provided by Assets for Life Ltd, where You as an individual (“Consumer”) have purchased an online and/or in-person course.
These Terms do not apply regarding the purchase of Mentorship (Academy) Services.
Assets for Life Ltd is a company registered in England and Wales, with company number 09935286 and registered office at suite 105, Waterhouse Business Centre, 2 Cromar Way, Chelmsford, England, CM1 2QE (“Assets for Life Ltd” or “Assets for Life” or “we” or “Us”).
Assets for Life Ltd is registered for VAT with the number GB 2696 30180.
Assets for Life Ltd is registered with the information commissioner’s office, with registration number ZA280607.
You may contact Us via email at info@assetsforlife.co.uk
These Terms are in addition to the website disclaimers and apply to the sale of any online course and/or in-person course.
Please read these Terms carefully before purchasing an online course and/or in-person course and print a copy for your records and safekeeping purposes.
Please read these Terms carefully. By signing up for our services, You are agreeing to these Terms. This is a legal agreement.
1. definitions
“Affiliates” means when we say “Affiliates”, “Third Parties”, “Partners” we are referring to other companies that are not part of nor owned by or controlled Assets for Life. These are companies that we have a partnership agreement with and any sharing of information is in line with our privacy policy.
“Confidential Information” means information provided by one party to the other in written, graphic, recorded, machine-readable or other form concerning the business, clients, suppliers, finances and other areas of the other party’s business or products, including, without limitation, the course materials, but does not include information in the public domain other than through the default of the party disclosing the information, information required to be disclosed by any court or regulatory authority, or any information already in the possession or control of the disclosing party.
“Course Materials” means the information provided by Assets for Life Ltd to accompany a course provided as part of the Services in hard copy or electronic form.
“Consumer” means an individual acting for purposes which are wholly or mainly outside that individuals trade, business, craft or profession, as defined by the Consumer Rights Act 2015.
“Fees” means the price paid by You to Assets for Life Ltd for the Services.
“In-person Course” means a course taught by Us in a classroom setting which You attend in person.
“Intellectual Property Rights” means copyright, rights in or relating to databases, patent rights, performers’ rights, designs and registered designs, trademarks, rights in or relating to confidential information and other intellectual property rights (registered or unregistered) throughout the world.
“Minimum Age Requirement” means Assets for Life will not accept a purchase from anybody under the age of 18.
“Online Course” means the delivery by Us of an online course where You learn course materials remotely.
“Price” means the cost of the service, inclusive of VAT, provided to You by Assets for Life Ltd for the Services.
“Services” means the provision of the online course and/or the in-person course and/or the course materials together with such other Services as agreed from time to time and purchased by You through the website or by telephone.
“Website” means we are referring to our main domain which is https://assetsforlife.co.uk but this also includes other variants of this which includes but isn’t limited to “www.”,”co.uk”, “.com” versions. We are also referring to additional domains like our training website (also known as our/the online training platform), which may be hosted time to time by a 3rd party provider, but will be branded with Assets for Life logos and styling. We are also referring to any tool bars or browser extensions we create or sponsor which are clearly branded with Assets for Life logo and a statement of sponsorship. All these are applicable to this same privacy policy and applicable Terms of use as seen on the websites.
“You” means the individual purchasing the Services. “You” shall be read accordingly.
2. THE SERVICES
2.1. A description of the Services together with the dates on which the Services will begin and end are available on our website(s) and/or will be made available to You in other forms of communication, including but not limited to telephone, emails, and marketing literature. We will provide the Services with reasonable care and skill under the description set out on the website and other forms of communication.
2.2. We reserve the right to make changes to our Services, policies, Terms and conditions at any time. You will be subject to the Terms and conditions, policies and conditions of use in force at the time that You purchased our Services. If any of these conditions of use is deemed invalid, void, or for any reason unenforceable, that condition will be deemed severable and will not affect the validity and enforceability of any remaining condition.
2.3 we expect You to confirm that the Services You are purchasing will meet your needs. We do not make any guarantee to You that You will obtain a particular result, professional qualification or employment opportunity from your purchase and completion of any of the Services.
3. ORDERING SERVICES
Purchasing Services online
3.1. To purchase any of the Services online You must register your personal details with Us via the applicable website.
Purchasing Services via the telephone and/or in-person
3.2. You do not need to have registered for an account with Us to purchase any of the Services over the telephone and/or in-person. You must, however, register with Us to access your online or in-person course.
3.3. When You place an order for a service via an online platform, or telephone You are offering to purchase the Services on these Terms. Assets for Life Ltd reserves the right to cancel or decline your order or any part of your order at any time until it has been confirmed under clause 3.5 below.
3.4. Following receipt by Us of your order for Services via an applicable website or on the telephone we will contact You confirming receipt of your order.
3.5. A legally binding agreement between Us and You shall come into existence when we have:
- Accepted your offer to purchase Services from Us by sending You an email confirming the purchase; and
- Received payment of the relevant price from You under clause 5 below.
3.6. Where your order consists of multiple online courses or multiple in-person courses, each course will be treated by Us as a separate offer to purchase.
3.7 If we accept your offer and agree to enter into a contract with You, we will keep a record of the transaction for a minimum of 6 years in accordance with HMRC requirements.
3.7. We cannot accept purchases from anybody who does not comply with our minimum age requirement of 18 years.
4. CANCELLATION AND VARIATION
4.1 in accordance with the Consumer contracts (information, cancellation and additional charges) regulations 2013 You have a right of cancellation in respect of the Services sold by Assets for Life, which right shall (subject to the regulations) expire fourteen calendar days from the day on which your order for Services is accepted by the Us.
4.2. If You have purchased an online course and have already accessed, downloaded all or part of the online course and/or started to use that online course You then understand and agree with explicit consent that the right to cancel the contract will be lost.
4.3. Where You have purchased an in-person training course that requires You to book a specified training date You will have 12 months from the date of purchase to make that booking. Please note bookings are on a first-come, first-served basis and subject to availability. Should You fail to make a booking within 12 months of your purchase, it will be deemed that You have cancelled your purchase without the right to refund.
4.4. At any time up to 31 days before the commencement date of an in-person training course for which You are registered/booked You shall be entitled to reschedule once without penalty to a future live training course, subject to availability. You shall not be entitled to reschedule any in-person training course commencing more than 12 months after the commencement date of the course for which You originally registered/ booked. All future re-bookings for the same in-person training course will carry a non-refundable fee of £240 including VAT.
4.5. Assets for Life reserves the right to reschedule or cancel any course where we reasonably believe that it is impractical to run a particular course. In any such case, we shall endeavour to notify You of any such rescheduling or cancellation at the earliest opportunity and we shall bear no liability in respect of such rescheduling or cancellation save that we shall reimburse all fees already paid by You in the event of a cancelled course should we be unable to offer new dates
4.6. Notwithstanding clause 4.1 there is no other right to cancel or vary your purchase of Services and any other cancellation and/or variation of course dates will be at the entire discretion of Assets for Life Ltd and subject to an administration fee of £240.00, including VAT.
If You wish to cancel, You must notify Us by email: refunds@assetsforlife.co.uk
5. PRICE
5.1. The Price for the Services shall be as set out on the applicable website or as told to You over the telephone at the time You submitted an order for them. All prices are quoted in pounds, inclusive VAT. We accept payment by credit card and/or by bank transfer.
5.2. We will not accept liability for any local taxes or charges, including currency conversion charges applied by your bank or payment processor.
5.3. The Price for the service selected by You on the website or purchased over the telephone shall be debited from your credit/ debit card at the time of purchase. Fees must be paid in full before You attend any in-person course or access any online course.
5.4. The Fees charged by your debit or credit card provider in connection with your purchase of Services are for your account and Assets for Life Ltd shall not be responsible for these.
5.5. You shall be responsible for all costs You incur in connection with your attendance at any in-person courses or your access to any online course including, unless otherwise agreed in writing, any accommodation or overnight stay and meals.
5.6. Special payment arrangements may be separately agreed upon at the discretion of Assets for Life Ltd.
6. WARRANTIES AND LIABILITY
6.1. Our liability (if any) under these Terms and conditions in respect of any defect in the Services or of any duty owed to You under these Terms and conditions will be limited to the Price paid by You.
6.3. Nothing within these Terms and Conditions operates so as to exclude, limit or restrict our liability for death or personal injury.
7. LIMITATION OF LIABILITY
7.1 No part of the provision of the Services shall be deemed to be, nor is it intended to be, nor should it be taken to be, the provision of investment advice and/ or tax advice.
7.2. We will be responsible for any foreseeable loss or damage that You may suffer as a result of our breach of these Terms and conditions or as a result of our negligence. Loss or damage is foreseeable if it is an obvious consequence of our breach or negligence or if it is contemplated by You and Us when our contract with You is created. We will not be responsible for any loss or damage that is not foreseeable;
7.3. We provide Services to You only for your personal and private use/purposes. We make no warranty or representation that products, or other goods or materials that we provide or sell to You are fit for commercial, business, industrial, trade, craft or professional purposes of any kind (including resale). We will not be liable to You for any loss of profit, loss of business, interruption to business or for any loss of business opportunity;
7.4. Nothing in these Terms and conditions is intended to or will exclude or limit our liability for death or personal injury caused by our negligence (including that of our employees, agents or sub-contractors) or for fraud or fraudulent misrepresentation;
7.5. Furthermore, as a “Consumer” nothing in these terms and conditions will affect your statutory rights under the Consumer Rights act 2015.
For more details of your legal rights, please refer to your local Citizens’ Advice Bureau or Trading Standard office.
8. INTELLECTUAL PROPERTY
8.1. All Intellectual Property Rights in the course materials, online courses and the speeches made by trainers at the in-person courses are, and remain, the intellectual property of Assets for Life Ltd or its licensors, whether adapted, written for or customised for the client or not.
8.2. You are not authorised to:
- Copy, modify, reproduce, re-publish, sub-licence, sell, upload, broadcast, post, transmit or distribute any of the course materials without prior written permission;
- Record on video or audio tape, relay by videophone or other means the online course or in-person course given;
- Use the course materials in the provision of any other course or training whether given by Us or any third-party trainer;
- Remove any copyright or other notice of Assets for Life Ltd on the course materials;
- Modify, adapt, merge, translate, disassemble, decompile, reverse engineer (save to the extent permitted by law) any software forming part of the online courses.
Breach by You of this clause 8.2 shall allow Us to immediately terminate these Terms with You and cease to provide You with any Services, including but not limited to access to the online courses.
8.3. In consideration of the Fees paid by You, we grant to You a limited, non-transferable, non-exclusive licence to use the course materials and the software in respect of the online course for the sole purpose of completing the online course and/or attending the in-person course.
9. TERMINATION
9.1. We shall be entitled to terminate these Terms and cease to provide You with any Services with immediate effect if You:
- Fail to pay when due your fees;
- Act in an aggressive, bullying, offensive, threatening or harassing manner towards any employee of Assets for Life Ltd, any trainer or mentor who provides the in-person courses or any student who attends any in-person course;
- Steal or act fraudulently or deceitfully towards Us or our employees or any other students who may be on our premises or attending our in-person courses;
- Intentionally or recklessly damage our property or the property of our employees or other students attending our premises;
- Are intoxicated through alcohol or illegal drugs while on our premises;
- Commit any criminal offence committed on our premises or where the victim is our employee or student;
- In breach of the relevant terms and conditions.
9.2. We may (at our option) suspend performance of the Services or terminate the contract at any stage if it appears to Us that You have not complied with these Terms and Conditions.
10. SUBSTITUTION
Notwithstanding clause 4.4 any Services provided by Us under these Terms and conditions are personal to You and cannot be transferred or assigned to any other person.
11. FORCE MAJEURE
Assets for Life Ltd shall not be liable to You for any breach of its obligations or termination under these Terms arising from causes beyond its reasonable control, including, but not limited to, fires, floods, earthquakes, volcanoes and other acts of god, terrorism, strikes, delay caused by transport disputes, failure to provide a course caused by a death in the trainer’s family, illness of the trainer, government edict or regulation.
12. ASSIGNMENT
We may assign, transfer, or sub-contract any of our rights or obligations to any third party at our discretion provided that your rights are not adversely affected.
13. DATA PROTECTION
13.1. The nature of the Services provided by Us means that we will obtain, use and disclose (together “use”) certain information about You (“data”). This statement sets out the principles governing our use of data. By purchasing the Services, You agree to this use.
13.2. When You register with Us You will need to provide certain data such as your contact details and demographic information. We will store this data and use it to contact You, and provide You with details of the Services You have purchased and otherwise as required during the normal provision of the course.
13.3. We may also use the above data, and similar data You provide Us in response to surveys, to aggregate user profiles and, unless You click on the relevant button on the registration form, provide You with communications. We will not pass any personal data onto anyone outside of Assets for Life Ltd.
13.4. To enable Us to monitor and improve our Services, we gather certain aggregated information about You, including details of your operating system, browser version, domain name and IP address, the URL You came from and go to and the parts of the website You visit.
13.5 We use information such as your user ID, session identifiers and password to enable Us to identify whether You are using our Services, assist with the provision of Services and ensure that You have access to relevant products. We will only read cookies from your cookie file placed there through your web browser’s interaction with the website.
13.6. Our products may link to third-party websites and we are not responsible for their data policies or procedures or their content.
13.7. Assets for Life Ltd endeavour to take all reasonable steps to protect your personal data including the use of encryption technology, but cannot guarantee the security of any data You disclose. You accept the inherent security implications of being and transacting online over the internet and will not hold Us responsible for any breach of security.
13.8. Assets for Life Ltd may supplement the information that You provide with information we receive from third parties
13.9. Where our Services require a You to have an account & password, You are responsible for keeping your account name and password confidential. You are also responsible for any account that You have access to, whether or not You made the initial purchase. You promise not to share your account login details or content unless otherwise authorised by Assets for Life. You will promise to immediately notify Us of any unauthorised use of your accounts. We are not responsible for any losses due to stolen or hacked passwords. We do not have access to your current password, and for security reasons, we may only reset your password.
13.10. If You wish to change or update the data, we hold about You, please e-mail info@assetsforlife.co.uk
13.11. Our privacy policy is freely available to read on our website by visiting https://assetsforlife.co.uk/privacy-policy-2
14. NOTICES
When You purchase an Assets for Life service or send e-mails to Us, You are communicating with Us electronically. We will communicate with You electronically in a variety of ways, such as by e-mail, text, in-app push notices or by posting e-mail messages or communications on the website. For contractual purposes, You agree that all agreements, notices, disclosures and other communications that we provide You electronically satisfy any legal requirement that such communications be in writing, unless mandatory applicable laws specifically require a different form of communication.
15. OTHER TERMS
15.1. Health and Safety. You must comply with all relevant legislation relating to Health and Safety at an in-person training course as well as the safety announcements plus venue regulations of which You are made aware whilst attending any Assets for Life Ltd course.
15.2. Certificates. Unless otherwise specified by Assets for Life Ltd, on successful completion of the course, You may be awarded a certificate by Assets for Life. The decision of Assets for Life Ltd as to whether or not You have completed the course shall be final and conclusive.
15.3. Photography and video recordings. Assets for Life Ltd may arrange for photographs and video recordings to be taken at any in-person course, including live webinar training. Please advise Us before any commencement of the course if You do not wish your photo to be taken. Otherwise, You expressly give your consent to be photographed and/or video recorded to be included in Assets for Life Ltd course publicity.
15.4. Personal belongings. Assets for Life Ltd does not accept responsibility for your personal belongings or valuables, for example, laptops or communication devices, brought to in-person courses. These remain the responsibility of the individual.
15.5. This clause only applies to products that specifically state an offer of a lifetime term. Unless terminated as provided for under these Terms, Assets for Life agrees to provide You with the service on a “lifetime” basis. Lifetime shall be defined as for as long as Assets for Life Ltd continues to trade. Furthermore, the provision of the lifetime service is subject to your continued use of the service. The lifetime service will be revoked should You not use it for a period of less than 3 months.
16. SEVERANCE
If any provision of these Terms and conditions is held by any competent authority to be invalid or unenforceable in whole or in part the validity of the other provisions of these Terms and conditions and the remainder of the provision in question shall not be affected.
17. COMPLAINTS
We always welcome feedback from our customers and, whilst we always use all reasonable endeavours to ensure that your experience as a customer of ours is a positive one, we nevertheless want to hear from You if You have any cause for complaint. If You have any complaint about our Services or any other complaint about any of our staff, please raise the matter in accordance with our complaints policy: https://assetsforlife.co.uk/complaints/
18. LAW AND JURISDICTION
18.1. These Terms and conditions, the contract, and the relationship between You and Us (whether contractual or otherwise) shall be governed by, and construed in accordance with the law of England & Wales.
18.2. As a Consumer, You will benefit from any mandatory provisions of the law in your country of residence. Nothing in sub-clause 20.1 above takes away or reduces your rights as a Consumer to rely on those provisions.
18.3. Any dispute, controversy, proceedings or claim between You and Us relating to these Terms and conditions, the contract, or the relationship between You and Us (whether contractual or otherwise) shall be subject to the jurisdiction of the courts of England & Wales.
Last Updated 12 April 2024
