“Data Protection Legislation”

means all applicable legislation in force from time to time in the Europe applicable to data protection and privacy including, but not limited to, the GDPR (the retained EU law version of the General Data Protection Regulation ((EU) 2016/679); the Data Protection Act 2018 (and regulations made thereunder); and the Privacy and Electronic Communications Regulations 2003 as amended.

TERMS OF SERVICE

These Terms of Sale set out the terms under which Paid Content, accessed via our courses/programs, is sold by us to customers through this website, www.libertymoneyanflifecoaching.com (“Our Site”).  Please read these Terms of Sale carefully and ensure that you understand them before purchasing a course/program. 

You will be required to read and accept these Terms of Sale when ordering a course/program.  If you do not agree to comply with and be bound by these Terms of Sale, you will not be able to purchase a course or program and/or access Paid Content through Our Site.  These Terms of Sale, as well as any and all Contracts are in the English language only.

Definitions in Schedule 1

1.Information About Us

Our Site, www.libertymoneyandlifecoaching, is owned and operated by Liberty Money and Life Coaching (referred to herein as ‘We’ or ‘Us’) a micro enterprise company registered in France under company number 90953474500015, whose registered address is 161 chemin de la cote du mont, Chamonix, 74400

2. Access to and Use of Our Site

2.1 Access to Our Site is free of charge.

2.2 It is your responsibility to make any and all arrangements necessary in order to access Our Site.

2.3 Access to Our Site is provided “as is” and on an “as available” basis.  We may alter, suspend or discontinue Our Site (or any part of it) at any time and without notice.  We will not be liable to you in any way if Our Site (or any part of it) is unavailable at any time and for any period.

3. Business Customers and Consumers

3.1 These Terms apply to business customers only.  These Terms do not apply to individual consumers purchasing Paid Content for personal use (that is, not in connection with, or for use in, their trade, business, craft, or profession). 

3.2 These Terms constitute the entire agreement between us and you with respect to your purchase of Courses/Programs and Paid Content from us.  You acknowledge that you have not relied upon any statement, representation, warranty, assurance, or promise made by or on behalf of us that is not set out in these Terms of Sale and that you shall have no claim for innocent or negligent misrepresentation or negligent misstatement based upon any statement herein.

4. Programs/Courses, Paid Content, Pricing and Availability

4.1 We may from time to time change our prices.  Changes in price will not affect any Program/Course that you have already purchased but will apply to any subsequent renewal or new Subscription.  We will inform you of any change in price at least 30 days before the change is due to take effect.  If you do not agree to such a change, you may cancel the Contract as described in sub-Clause 10.1.

4.2 Minor changes may, from time to time, be made to certain Paid Content, for example, to reflect changes in relevant laws and regulatory requirements, or to address technical or security issues.  These changes will not alter the main characteristics of the Paid Content and should not normally affect your use of that Paid Content.  However, if any change is made that would affect your use of the Paid Content, suitable information will be provided to you.

4.3 In some cases, as described in the relevant content descriptions, we may also make more significant changes to the Paid Content.  If we do so, we will inform you at least 30 days before the changes are due to take effect.  If you do not agree to the changes, you may cancel the Contract as described in sub-Clause 10.1.

4.4 Where any updates are made to Paid Content that Paid Content will continue to match our description of it as provided to you before you purchased your Program/Course to access the Paid Content.  Please note that this does not prevent us from enhancing the Paid Content, thereby going beyond the original description.

4.5 We make all reasonable efforts to ensure that all prices shown on Our Site are correct at the time of going online.  Changes in price will not affect any order that you have already placed (please note sub-Clause 4.9 regarding VAT, however).

4.6 All prices are checked by us before we accept your order.  In the unlikely event that we have shown incorrect pricing information, we will contact you in writing to inform you of the mistake.  If the correct price is lower than that shown when you made your order, we will simply charge you the lower amount and continue processing your order.  If the correct price is higher, we will give you the option to purchase the Program/Course at the correct price or to cancel your order (or the affected part of it).  We will not proceed with processing your order in this case until you respond.  If we do not receive a response from you within 48hrs, we will treat your order as cancelled and notify you of this in writing.

4.7 If we discover an error in the price or description of your Program/Course after your order is processed, we will inform you immediately and make all reasonable efforts to correct the error.  You may, however, have the right to cancel the Contract if this happens.  If we inform you of such an error and you do wish to cancel the Contract, please refer to sub-Clause 10.4.

4.8 If the price of a Program/Course that you have ordered changes between your order being placed and us processing that order and taking payment, you will be charged the price shown on Our Site at the time of placing your order.  Subsequent Programs/Courses [and renewals] will be charged at the new price.

4.9 Prices on Our Site are shown both inclusive of TVA/VAT.  If the TVA/VAT rate changes between your order being placed and us taking payment, the amount of TVA/VAT payable will be automatically adjusted when taking payment.

5. Orders – How Contracts Are Formed

5.1 Our Site will guide you through the process of purchasing a Program/Course.  Before completing your purchase, you will be given the opportunity to review your order and amend it.  Please ensure that you have checked your order carefully before submitting it.

5.2 If, during the order process, you provide us with incorrect or incomplete information, please contact us as soon as possible.  If we are unable to process your order due to incorrect or incomplete information, we will contact you to ask to correct it.  If you do not give us accurate or complete information within a reasonable time of our request, we will cancel your order and treat the Contract as being at an end.  We will not be responsible for any delay in the availability of Paid Content that results from you providing incorrect or incomplete information.

5.3 No part of Our Site constitutes a contractual offer capable of acceptance.  Your order to purchase a Program/Course constitutes a contractual offer that we may, at our sole discretion, accept.  Our acknowledgement of receipt of your order does not mean that we have accepted it.  Our acceptance is indicated by us sending you a Program/Course confirmation by email.  Only once we have sent you a Program/Course Confirmation will there be a legally binding Contract between us and you.

5.4 Program/Course confirmations shall contain the following information:

5.4.1 Your Program/Course ID;

5.4.2 Confirmation of the Program/Course ordered including full details of the main characteristics of the Program/Course and Paid Content available as part of it;

5.4.3 Fully itemised pricing for your Program/Course including, where appropriate, taxes, and other additional charges;

5.4.4 The duration of your Program/Course (including the start date, and the expiry and/or renewal date;

5.5 In the unlikely event that we do not accept or cannot fulfil your order for any reason, we will explain why in writing.  No payment will be taken under normal circumstances.  If we have taken payment any such sums will be refunded to you.

5.6 Any refunds due under this Clause 5 will be issued to you as soon as possible, and in any event within 14 calendar days of the day on which the event triggering the refund occurs.

5.7 Refunds under this Clause 5 will be made using the same payment method that you used when purchasing your Subscription.

6. Payment

6.1 Payment for Program/Course must always be made in advance.  Your chosen payment method will be charged when we process your order and send you a Program/Course Confirmation on each renewal date.

6.2 Payments due must be made in full, without any set-off, counterclaim, deduction, or withholding (except where any deduction or withholding of tax is required by law).

6.3 We accept the following methods of payment on Our Site:

6.3.1 Debit card; and

6.3.2 Credit card.

6.4 If you do not make any payment due to us on time, we will suspend your access to the Paid Content.  For more information, please refer to sub-Clause 7.4.  If you do not make payment within 48 hours of our reminder, we may cancel the Contract.  Any outstanding sums due to us will remain due and payable.

6.5 If you believe that we have charged you an incorrect amount, please contact Us as soon as reasonably possible to let Us know.  You will not be charged for Paid Content while availability is suspended.

7. Provision of Paid Content

7.1 Paid Content appropriate to your Program/Course will be available to you immediately when we send you a Program/Course Confirmation and will continue to be available for the duration of your Program/Course (including any renewals), or until the Contract is otherwise ended.

7.2 In some limited circumstances, we may need to suspend the provision of Paid Content (in full or in part) for one or more of the following reasons:

7.2.1 To fix technical problems or to make necessary minor technical changes, as described above in sub-Clause 4.2;

7.2.2 To update the Paid Content to comply with relevant changes in the law or other regulatory requirements, as described above in sub-Clause 4.2; or

7.2.3 To make more significant changes to the Paid Content, as described above in sub-Clause 4.3.

7.3 If We need to suspend the availability of the Paid Content for any of the reasons set out in sub-Clause 7.2, We will inform you in advance of the suspension and explain why it is necessary (unless We need to suspend availability for urgent or emergency reasons such as a dangerous problem with the Paid Content, in which case We will inform you as soon as reasonably possible after suspension). 

7.4 We may suspend the provision of the Paid Content if We do not receive payment on time from you.  We will inform you of the non-payment on the due date, however, if you do not make payment within 48 hours of Our notice, We may suspend the provision of the Paid Content until We have received all outstanding sums due from you.  If We do suspend the provision of the Paid Content, We will inform you of the suspension.  You will not be charged for any Paid Content while the provision is suspended.

8. Licence

8.1 When you purchase a Subscription to access Paid Content or Course, We will grant you a limited, non-exclusive, non-transferable, non-sublicensable licence to access and use the relevant Paid Content for commercial purposes.  The licence granted to you does not give you any rights in Our Paid Content (including any material that we may licence from third parties).

8.2 The licence granted to you under sub-Clause 8.1 is subject to the following usage restrictions and/or permissions:  You may not copy, rent, sell, publish, republish, share, broadcast or otherwise transmit the Paid Content (or any part of it) or make it available to the public except as permitted under the Copyright Designs and Patents Act 1988 (Chapter 3 ‘Acts Permitted in relation to Copyright Works’).

9. Ending Your Program/Course

9.1 You may cancel your Subscription at any time after an initial 3-month term, however subject to sub-Clause 9.3 and Clause 10, We cannot offer any refunds and you will continue to have access to the Paid Content for the remainder of your current Program/Course (up until the renewal or expiry date, as applicable), whereupon the Contract will end.

9.2 Where you have entered into a payment plan please note that should you cancel your Program/Course all outstanding monies due will be payable in full within 14 days of us confirming your cancellation.

9.3 If you wish to exercise your right to cancel under this Clause 9, you may inform us of your cancellation in any way you wish.  Cancellation by email is effective from the date on which you send us your message with evidence of delivery or a read receipt. Please use the following details: your name, address, email address, telephone number, and Subscription ID.

9.4 Refunds under this Clause 9 will be issued to you as soon as possible, and in any event within 14 calendar days of the day on which you inform us that you wish to cancel.

9.5 Refunds under this Clause 9 will be made using the same payment method that you used when purchasing your Program/Course.

10. Ending the Contract Because of Something We Have Done.

10.1 You may end the Contract at any time if we have informed you of a forthcoming change to your Program/Course or the Paid Content (as described in sub-Clauses 4.1 or 4.3), or to these Terms that you do not agree to.  If the change is set to take effect or apply to you before the end of your current Program/Course, We will issue you with a pro-rated refund equal to the remaining time left in that Program/Course.  If the change will not take effect or apply to you until the expiry of your current Subscription/Course, the Contract will end at the end of that Program/Course period and you will continue to have access to the Paid Content until that date.

10.2 If we have suspended the availability of the Paid Content for more than 30 days or we have informed you that we are going to suspend availability for more than 30 days, you may end the contract immediately, as described in sub-Clause 7.3.  If you end the Contract for this reason, we will issue you with a partial refund depending on the term of your program or course.

10.3 If the availability of the Paid Content will be significantly delayed because of events outside of our control, you may end the Contract immediately.  See Clause 12 for more information.  If you end the Contract for this reason, we will issue you with a partial refund depending on the term of your Subscription/Course.

10.4 If we inform you of an error in the price or description of your Subscription/Course or the Paid Content and you wish to end the Contract as a result, you may end it as per clause 10.6.

10.5 You also have a legal right to end the Contract at any time if we are in breach of it.  You may also be entitled to a full or partial refund.

10.6 If you wish to exercise your right to cancel under this Clause 10, you may inform us of your cancellation in any way you wish, however in each case, provide us with your name, address, email address, telephone number, and Program/Course ID.

10.7 Refunds under this Clause 10 will be issued to you as soon as possible, and in any event within 14 calendar days of the day on which you inform us that you wish to cancel.

10.8 Refunds under this Clause 10 will be made using the same payment method that you used when purchasing your Program/Course. 

11. Our Liability

11.1 Subject to sub-Clause 11.3, We will not be liable to you, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, for any loss of profit, loss of business, interruption to business, for any loss of business opportunity, or for any indirect or consequential loss arising out of or in connection with any contract between you and Us.

11.2 Subject to sub-Clause 11.3, Our total liability to you for all other losses arising out of or in connection with any contract between you and Us, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, shall be limited to 10% of the total sums paid by you under the contract in question.

11.3 Nothing in these Terms of Sale seeks to limit or exclude Our liability for death or personal injury caused by Our negligence (including that of Our employees, agents or sub-contractors); for fraud or fraudulent misrepresentation; or for any other matter in respect of which liability cannot be excluded or restricted by law.

12. Events Outside of Our Control (Force Majeure)

12.1 We will not be liable for any failure or delay in performing our obligations where that failure or delay results from any cause that is beyond our reasonable control.  Such causes include, but are not limited to: power failure, internet service provider failure, strikes, lock-outs or other industrial action by third parties, riots and other civil unrest, pandemic, epidemic, fire, explosion, flood, storms, earthquakes, subsidence, acts of terrorism (threatened or actual), acts of war (declared, undeclared, threatened, actual or preparations for war), epidemic or other natural disasters, or any other event that is beyond Our reasonable control.

12.2 If any event described under this Clause 12 occurs that is likely to adversely affect Our performance of any of Our obligations under these Terms:

12.2.1 We will inform you as soon as is reasonably possible;

12.2.2 We will take all reasonable steps to minimise the delay;

12.2.3 To the extent that we cannot minimise the delay, Our affected obligations under these Terms of Sale (and therefore the Contract) will be suspended and any time limits that We are bound by will be extended accordingly;

12.2.4 We will inform you when the event outside of Our control is over and provide details of any new dates, times or availability of Paid Content as necessary;

12.2.5 If the event outside of Our control continues for more than 30 days We will cancel the Contract and inform you of the cancellation.  Any refunds due to you as a result of that cancellation will be paid to you as soon as is reasonably possible and in any event within 14 days of the date on which the Contract is cancelled and will be made using the same payment method that you used when ordering your Subscription;

12.2.6 If an event outside of Our control occurs and continues for more than 30 days and you wish to cancel the Contract as a result, you may do so by emailing us and obtaining a delivery and/or read the receipt.

12.2.7 In each case, provide Us with your name, address, email address, telephone number, and Subscription I.D.  Any refunds due to you as a result of such cancellation will be paid to you as soon as is reasonably possible and in any event within 14 days of the date on which the Contract is cancelled and will be made using the same payment method that you used when ordering your Subscription.

13. Complaints and Feedback

13.1 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.

13.2 Please put any complaints or feedback in writing to email address: kayleigh@libertymoneyandlifecoaching.com.

14. How We Use Your Personal Information (Data Protection)

14.1 All personal data that we may use will be collected, processed, and held in accordance with the provisions of the Data Protection Legislation and your rights thereunder.

14.2 For complete details of Our collection, processing, storage, and retention of personal data including, but not limited to, the purpose(s) for which personal data is used, the legal basis or bases for using it, details of your rights and how to exercise them, and personal data sharing (where applicable), please refer to Our Privacy & Cookie Policy on our website.

15.  Other Important Terms

15.1 We may transfer (assign) Our obligations and rights under these Terms of Sale (and under the Contract, as applicable) to a third party (this may happen, for example, if We sell Our business).  If this occurs, you will be informed by Us in writing.  Your rights under these Terms of Sale will not be affected and Our obligations under these Terms of Sale will be transferred to the third party who will remain bound by them.

15.2 You may not transfer (assign) your obligations and rights under these Terms (and under the Contract, as applicable) without Our express written permission. 

15.3 The Contract is between you and Us.  It is not intended to benefit any other person or third party in any way and no such person or party will be entitled to enforce any provision of these Terms.

15.4 If any of the provisions of these Terms are found to be unlawful, invalid or otherwise unenforceable by any court or other authority, that/those provision(s) shall be deemed severed from the remainder of these Terms.  The remainder of these Terms shall be valid and enforceable.

15.5 No failure or delay by Us in exercising any of Our rights under these Terms means that We have waived that right, and no waiver by Us of a breach of any provision of these Terms means that We will waive any subsequent breach of the same or any other provision.

15.6 We may revise these Terms from time to time in response to changes in relevant laws and other regulatory requirements.  If We change these Terms as they relate to your Subscription, We will give you reasonable advance notice of the changes and provide details of how to cancel if you are not happy with them (also see sub-Clause 10.1 above).

16. Law and Jurisdiction

16.1 These Terms and the relationship between you and us (whether contractual or otherwise) shall be governed by, and construed in accordance with, European law.

16.2 Any disputes concerning these Terms of Sale, the relationship between you and us, or any matters arising therefrom or associated therewith (whether contractual or otherwise) shall be subject to the exclusive jurisdiction of the courts of England and Wales.

SCHEDULE 1

Definitions and Interpretation

In these Terms of Sale, unless the context otherwise requires, the following expressions have the following meanings:

“Contract”

means a contract for the purchase of a Program/Course to access Paid Content;

“Data Protection Legislation”

means all applicable legislation in force from time to time in the Europe applicable to data protection and privacy including, but not limited to, the GDPR (the retained EU law version of the General Data Protection Regulation ((EU) 2016/679); the Data Protection Act 2018 (and regulations made thereunder); and the Privacy and Electronic Communications Regulations 2003 as amended;

“Paid Content”

means the digital content sold by Us through Our Site;

“Subscription”

means a subscription to Our Site providing access to Paid Content and Courses;

“Subscription Confirmation”

means Our acceptance and confirmation of your purchase of a Program/Course;

“Subscription ID”

means the reference number for your Program/Course; and

“We/Us/Our”

means Liberty Money and Life Coaching (referred to herein as ‘We’ or ‘Us’) a micro enterprise company registered in France under company number 90953474500015, whose registered address is 161 Chemin de la cote du Mont, Chamonix, 74400

RETURN POLICY
Refund Policy for Online Downloadable Products - No Refunds

No Refunds: We offer no refunds for online downloadable products. Once the purchase is made and the product is downloaded, it is considered consumed and cannot be returned for a refund.

Downloading Responsibility: It is the customer's responsibility to ensure the compatibility of their device and software with the downloadable product

Product Description: We strive to provide accurate and comprehensive product descriptions for all our downloadable items. It is important for customers to review the product description, features, and any other relevant information before making a purchase decision.

Refund Policy for Money Matters Audit - Terms and Conditions

Client Agreement and Terms: The client agreement documentation will be provided to you prior to the coaching session. This document can be viewed here and we suggest reading this before booking and paying for your session.

Refund Policy for Programs/Courses can be found in the Terms of Service Section 9 and 10