Please read these Terms and Conditions (“Terms”) carefully before accessing the services of Advice for Advisers Ltd. 

Your access to and use of the Service (training course and online testing facility) is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Site or Service. 

By accessing or using the Site or Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.

All content on the website is owned exclusively by Advice for Advisers Ltd, and may not be copied, reproduced, or shared in a way for commercial or non-commercial use.

1. Introduction
1.1 This document (together with any documents referred to in it) tells you the terms and conditions (the ‘Conditions’) upon which we will supply the Services to you. You may print a copy for future reference.

1.2 ‘Business Day’ means a day other than a Saturday, Sunday or public holiday when banks in London are open for business.

1.3 ‘Event Outside Our Control’ has the meaning given in clause 14.

1.4 ‘Services’ means the services listed on the Website which we may supply.

1.5 Before confirming your order please read through these Conditions and in particular our cancellations and returns policy at clause 10 and limitation of our liability and your indemnity at clause 12.

1.6 By ordering any of the Services, you agree to be legally bound by these Conditions. You will be unable to proceed with your transaction if you do not accept these terms and conditions.

2. About us
2.1 We, Advice For Advisers Ltd, own and operate this Website. We’re a limited company registered in England and Wales under company number: 13371339. Our registered office is at The Evron Centre, John Street, Filey, North Yorkshire, YO14 9DW.

2.2 Our telephone number is 07766334862.

2.3 Our email address is kathryn@adviceforadvisers.co.uk.

3. Eligibility to purchase from the Website
To be eligible to purchase the Services and lawfully enter into and form a contract with us, you must be 18 years of age or over.

4. Price
4.1 The prices of the Services are quoted on the specific pages for each Service.

4.2 Prices and any other charges quoted on the website are based on performance of the Services in the United Kingdom unless otherwise specified.

4.3 The prices quoted include VAT (we are not VAT registered).

4.4  The price of any digital product will be as quoted on this site at the current time and will be shown inclusive of VAT. We reserve the right to make certain digital products available only as part of a different purchase, for example, part of a Service package.

5.5 Prices for digital products are liable to change at any time, but changes will not affect orders in respect of which we have already taken payment and made the download available.

4.6 Please note that some network/service providers may charge you an additional amount for downloading digital products to a mobile handset. We recommend that you contact your network/service provider to understand the nature and extent of any additional charges before downloading to a mobile device.  Note that overseas roaming charges may also apply. We will not be held liable for any such charges.

5. Payment

5.1 By providing the details of a credit or debit card or payment account to be debited, you confirm that you are authorised to purchase the digital products and that you have the permission of or are the holder of the credit or debit card, PayPal or other account being used to pay for the transaction. All card payments and cardholder details may be subject to validation checks carried out by us and/or the card issuer. If any validation checks are required, we will not be held liable for any delays or non-delivery nor are we obliged to.

5.2 In respect of validation checks and authorisation carried out by the card issuer, if the issuer of your card refuses to authorise payment we will not accept your order and we will not be liable for any delay or non-delivery or any bank charges applied to you. We are not obliged to inform you of the reason for the refusal.

5.3 You must pay 100 percent of the price of the Services in advance. Payment must be made by BACS to the bank account details provided in your invoice for any purchase that is not made through our online system.

5.4 You must pay the amount of our invoice no less than 14 days before the start date of your course.

6. Interest
6.1 Unless clause 6.2 applies, you must pay us interest on any amounts you owe us and fail to pay us on the due date at the rate of 3% a year above the base lending rate of Bank of England from time to time, accruing daily from the due date until the date of payment, whether before or after judgment.

6.2 We will not charge you interest
6.2.1 for the period of dispute in respect of an invoice that you dispute in good faith, provided you have advised us within a reasonable time of receiving it that you dispute it and your basis for disputing it.
6.2.2 until after we have performed the services again if we have a duty to do so.

7. Order process and formation of a contract
7.1 All orders are subject to acceptance and availability. If we are unable to supply you with the Services in your order due to an Event Outside Our Control or because we have identified a mistake in the description of the Services or the price stated by us, we will notify you. We will not proceed with the order and will refund any sums you have paid us.

7.2 Any order placed by you for the Services constitutes an offer to purchase them from us.

7.3 You agree that if we contact you to acknowledge receipt of your order such communication shall not amount to our acceptance of your offer to purchase the Services.

7.4 A ‘Confirmation Notice’ means an email which we send to you to confirm that we shall be providing the requested Services. A Confirmation Notice will be our acceptance of the offer made in the order to which that Confirmation Notice relates.

7.5 A contract between you and us for the supply of the Services (the ‘Contract’) incorporating the version of these Conditions in force at the time of your order will come into existence when we send you the Confirmation Notice relating to your order. You may print and keep a copy of the Confirmation Notice for future reference.

7.6 If you think that there is a mistake in the Confirmation Notice or if you wish to make any changes, please contact us to discuss this. If you request a change, we will tell you if that is possible and about any changes to the price, delivery or performance dates or any other changes that we need to make as a result of your request. We will ask you if you wish to go ahead with the change.

7.7 We may make
7.7.1 changes to these Conditions as a result of changes in any relevant laws and regulatory requirements,
7.7.2 changes to these Conditions as a result of changes in how we accept payment from you,
7.7.3 changes in the amount payable by you to the extent of any changes in the VAT included in the price or payable in relation to the price.

7.8 If we make any changes in accordance with clause 7.7 we will give you written notice of the changes before we supply the Services. You can choose to cancel the contract if the change would be significantly to your disadvantage.

7.9 Any variation to these Conditions which have been incorporated into the Contract or to the Contract other than those mentioned in clause 7.7 shall only be binding when agreed in writing and signed by you and us.

7.10 By confirming your acceptance to these terms of sale and completing your purchase, you understand that you are entering into a legally binding agreement with Advice for Advisers Ltd.

7.11 After you have read these terms of sale, you will be asked to confirm that you have read, understood and accept our terms of sale. You will not be able to purchase this or any other anything digital products through our site unless confirmation is given. Any terms that you seek to impose in respect of your purchase of digital products through this site will not form part of any contract between us. Please read these terms of sale carefully before ordering any digital products or services.

7.12 By placing an order for digital products, courses, or services through our site, you warrant that you are legally capable of entering into binding contracts, that you are at least 18 years old and that you are purchasing our digital products for your private, non-commercial use only. You further warrant that you will not copy, rent, hire, record, edit, clip, exchange, lend, allow for the public performance, broadcasting, downloading or sharing of files or of access details, with anybody else other than may be allowed under the terms of any licence that is granted to you as a part of the sale.

7.13 By placing an order for digital products, courses, or services through our site you agree that we may store, process and use personal data collected from you for the purposes of processing/fulfilling your order only. We work with third parties to process your payment (for example, Stripe) and they will also have access to your personal data to enable them to help us process/fulfil your order only. More information on how we may store, process and use your personal data is contained in our Privacy Policy.

7.14 You are responsible for ensuring that you do not lose, destroy, or damage any materials that you receive from using our Services.

7.15 You are responsible for ensuring that any hardware you use to download and/or access these digital products function correctly with this site. You acknowledge and agree that the provision of all these requirements is your responsibility and is at your own cost. We are not obliged to ensure that our products are compatible with every manufacturer of mobile handsets.

7.16 No refunds will be given for the purchase on online protection testing services.

8. Performance of Services
8.1 The in-person training course will be performed via online video conferencing software, unless otherwise agreed by both parties in writing before commencement of the contract.

8.2 When we accept the order, we will confirm estimated start and completion dates for the performance of the Services. We will endeavour to perform the Services in accordance with these estimated dates and will perform the Services within a reasonable time from the date we accept the order.

8.3 In the event that an Event Outside Our Control prevents us from performing the Services within a reasonable time from the date we accept the order, clause 14 will apply.

8.4 If we need to provide the Services at the premises occupied by you, you will provide access to the premises on the date we have agreed for the Services to be carried out.

8.5 If you fail to provide access to the premises on the agreed date,
8.5.1 you must pay us any additional costs incurred by us in providing the Services to you
8.5.2 in the event that despite our reasonable efforts we are unable to obtain access to the premises to provide the Services, we may end the contract with you. 

8.6 If we ask you to provide us with information in order for us to provide the Services, you must provide us with complete and accurate information by the date we request that you provide it by, otherwise:
8.6.1 you must pay us any reasonable sum we charge you to cover any extra work that is necessary as a result of you providing incomplete or inaccurate information.
8.6.2 you must pay us any additional costs incurred by us in providing the Services to you resulting from you not providing such information to us by the date we have requested.
8.6.3 we may suspend the Services by giving you written notice unless you agree to pay such extra costs.
8.6.4 in the event that despite our reasonable efforts we are unable to obtain the requested information from you and are therefore unable to supply the Services, we may end the contract with you. We will refund you any money you have paid less our reasonable costs incurred in attempting to perform the Contract.

8.7 We will not be liable for any delay or non-performance due to your failure to provide us with complete and accurate information by the time we have requested.

8.8 If we suspend the Services under this clause, you do not have to pay for the Services while they are suspended, but you will remain liable to pay any invoices we have already sent you for Services we have already performed.

8.9 All digital products featured on our site are subject to availability. We reserve the right to change or remove a digital product or other content on the site at any time without notice or liability to you.

8.10 Digital products will normally be available to download immediately upon purchase. There may be occasions when they are not available and we make no guarantee that any digital product ordered will be made available immediately (for example, if the site is taken down for maintenance or there is another technical issue). In such cases, we will use our best endeavours to give you access to your downloadable digital products as soon as possible following your purchase.

8.11 Where we are unable to provide you with any digital products that you have purchased, you agree that we can offer you either alternative goods to a similar value (upon your agreement that the alternative goods are suitable) or a complete refund. We will not be liable for our inability to fulfil a particular order from you.

9. If there is a problem with the Services
9.1 If the Services provided do not conform to the Contract due to them not being provided with reasonable care and skill:
9.1.1 you should provide us with details of the problem as soon as reasonably possible;
9.1.2 if we repeat performance of the Services to fix the problem, we will do so at our own cost and as soon as reasonably practicable.

9.2 As a consumer, you have legal rights in relation to Services not carried out with reasonable skill and care, or if the materials we use are faulty or not as described. Nothing in these Conditions will affect these legal rights.

9.3We hold no responsibility for any advice you provide to clients, following your use of the Service. The Service provides clear and relevant learning for insurance professionals, providing guidance on how to advise clients, but it is your responsibility to provide guidance to your clients individual needs based upon this Service, your experience and in conjunction with qualifications from professional bodies and your compliance oversight.

10. Cancelling your Contract and returns
10.1 Cancelling before Confirmation Notice
10.1.1 You may cancel your order for the Services by notifying us of your decision to cancel at any time prior to us sending you a Confirmation Notice.
10.1.2 You may notify us of your decision to cancel by:
10.1.2.1 sending a statement saying that you wish to cancel quoting your name, address, the name or a description of the Services and your order reference number by:
10.1.2.1.1 Telephone on 07766334862
10.1.2.1.2 Email at kathryn@adviceforadvisers.co.uk
10.1.2.1.3 Post at Kathryn Knowles, The Evron Centre, John Street, Filey, North Yorkshire, YO14 9DW

10.2 Cancellation after Confirmation Notice
10.2.1 The ‘Cancellation Period’ means the period of 14 days starting with and including the day after we send you a Confirmation Notice.
10.2.2 If you wish us to begin to supply the Services during the Cancellation Period, you must request us to do this and you must acknowledge that you will lose the right to cancel once the Services have been fully performed.
10.2.3 Unless the Services have been fully performed under the Contract in accordance with your request and acknowledgement referred to in clause 10.2.2 and subject to clause 10.4, you may cancel the Contract within the Cancellation Period by notifying us of your decision to cancel.
10.2.4 You will lose your right to cancel the Contract once the Services have been fully performed in accordance with your request and acknowledgement.
10.2.5 You may notify us of your decision to cancel by:
10.2.5.1 sending a statement saying that you wish to cancel quoting your name, address, the name or a description of the Services and your order reference number by:
10.2.5.1.1 Email at kathryn@adviceforadvisers.co.uk
10.2.6 If you cancel the Contract after we have begun the supply of the Services in accordance with your request, you must pay us for the Services we supplied to you before we received notice of your cancellation.

10.3 Refunds on cancellation
10.3.1 So long as you are entitled to cancel and have complied with your obligations under clause 10.2, we will refund you the balance of the price you paid to us after deducting:
10.3.1.1 the value of the Services we supplied before we received your cancellation notice.
10.3.2 If the Contract is for the supply of services only or for the supply of goods and services with the main purpose being the supply of services, we will refund you the sum in clause 10.3.1 within 14 days of our receipt of your cancellation notice.
10.3.3 We will refund you the sum in clause 10.3.1 using the same method of payment used by you, unless you agree to a refund by a different method of payment.
10.3.4 Should you wish to delay your attendance to the Service to a later course, due to unforeseen circumstances, please contact us so that we can discuss a way that we can support you to still receive the Service.
10.3.4.1.1 Email at kathryn@adviceforadvisers.co.uk

10.3.5 Cancellations will not be refunded, if notice to cancel is received within the 7 days before the Service start date.

10.3.6 Cancellations made after the initial 14 day ‘Cancellation Period’, that are received before the 7 days immediately prior to the service starting, will receive a 50 percent refund of payments that have been made.

11. Complaints
If you have a comment, concern or complaint about any Services you have purchased from us, please contact us by telephone on 07766334862, by email at kathryn@adviceforadvisers.co.uk or by post at Kathryn Knowles, The Evron Centre, John Street, Filey, North Yorkshire, YO14 9DW.

12. Liability and indemnity
12.1 We have a duty to supply Services to you that conform to the Contract including a duty to ensure that
12.1.1 the Services are carried out with reasonable care and skill

12.2 We cannot exclude our liability for a failure to comply with these duties mentioned in this sub-clause. Nothing in these Conditions affects your legal rights if these duties are not complied with. You can obtain advice about your legal rights from Citizens Advice if you need to.

12.3 We cannot exclude or limit our responsibility to you for:
12.3.1 Death or personal injury resulting from our negligence or the negligence of our employees
12.3.2 Fraud or fraudulent misrepresentation
12.3.3 A claim for a defective product against us if we do not give you the name of the person who supplied the product to us within a reasonable time of your request for us to do so.

12.4 We will not be liable for any business losses, loss of profits, loss of contracts, loss of business opportunities, loss of management time, loss of business data or losses due to interruption of your business.

12.5 We will not be responsible for any delay in performing the Services if
12.5.1 we have asked you to provide specified information that is necessary for performing the Services and
12.5.2 you have failed to provide complete and accurate information or you have provided such information later than the date we have asked you to supply it by.

13. Our rights of termination
We reserve the right to terminate the Contract by writing to you if you fail to make any payment to us when due and you still do not make payment within 14 days of us reminding you that payment is due.

14. Events outside our control
14.1 Except for our obligations under this clause, we shall not be responsible for delays or failures in delivery or performance of our obligations to you resulting from any act, event, omission, failure or accident outside our reasonable control (‘Event Outside Our Control’).

14.2 We will take all reasonable steps to minimise a delay in performing our obligations to you which arises from an Event Outside Our Control.

14.3 We will promptly notify you of any Event Outside Our Control which prevents us from or delays us in performing our obligations to you, giving details of it and (where possible) the extent and likely duration of any delay.

14.4 Our performance will be deemed to be suspended for the period that the Event Outside Our Control continues.

14.5 You may end the Contract after we have notified you of an Event Outside Our Control and we will then refund you any money you have paid to us under the Contract for the Services which we have been unable to deliver to you.

15. Use of personal data
15.1 We envisage that we will request personal information from you whilst you use our website. This information will only be requested and processed in accordance with our Privacy and Cookie Notice, which can be found at www.adviceforadvisers.co.uk.

15.2 In brief, we will act fairly in connection with personal information requested from you, when we request information we will alert you to our Privacy and Cookie Notice, and unless the information is necessary for a reason specified in the UK General Data Protection Regulation (UK GDPR) we will only process it with your consent. Before receiving your information we’ll endeavour to provide the information required by the UK GDPR.

15.3 This site uses cookies. For full details on how we use cookies and how we store any information related to cookies, please refer to our cookie policy here.

15.4 This site collects data related to purchases made on the site. For full details about how this information is stored, please refer to our privacy policy here.

15.5 We store data relating to subscribers of our mailing list. For full details of how we store and use this information, or how to remove yourself from our mailing list(s) please refer to our privacy policy here.

16. Third party rights
Except for our affiliates, directors, employees or representatives, a person who is not a party to the Contract has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of the Contract but this does not affect any right or remedy of a third party that exists or is available apart from that Act.

17. Alternative Dispute Resolution
In the event of a dispute concerning these Conditions or the Contract, including their interpretation and their application to the circumstances giving rise to the dispute, you or we may refer the dispute to Alternative Dispute Resolution ‘ADR’.

18. Intellectual Property Rights

18.1 We are the owner of all intellectual property rights to all course materials that are provided, including but not limited to face to face meetings, course presentations, video recordings and any databases that hold relevant information about the site and its products.

18.2 All of the materials that are available through these courses are owned or controlled by us.

18.3 Once you have purchased a course you will be given non-exclusive and non-transferrable access to the sessions and content, when the predetermined course delivery dates are reached.

18.4 You will be provided with some documents that summarise key points of your learning, to use after this course. These can be used only for your own personal and non-commercial use.

18.5 You shall not redistribute, transmit, assign, sell, commercially exploit, broadcast, modify, adapt, edit, share, lend, or transfer any materials that are provided through our Services.

19. Other important terms
19.1 We reserve the right to change the domain address of this Website and any services, products, product prices, product specifications and availability at any time.

19.2 Every effort is made to keep information regarding stock availability on the Website up to date. However, we do not guarantee that this is the case, or that stock will always be available.

19.3 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 the Contract and the remainder of the provision in question will not be affected.

19.4 All Contracts are concluded in English only.

19.5 If we fail, at any time during the term of a Contract, to insist upon strict performance of any of your obligations under it or any of these terms and conditions, or if we fail to exercise any of the rights or remedies to which we are entitled under the Contract, this shall not constitute a waiver of such rights or remedies and shall not relieve you from compliance with your obligations.

19.6 A waiver by us of any default shall not constitute a waiver of any subsequent default.

20. Governing law
These Conditions and the Contract are governed by the laws of England and Wales. However, if you live outside England and Wales, you are always entitled to any compulsory consumer protections applicable in the country where you live.

21. Governing jurisdiction
You can bring legal proceedings in respect of the Services in the courts of England and Wales. If you live in Scotland you can bring legal proceedings in respect of the Services in either the courts of Scotland or England and Wales. If you live in Northern Ireland you can bring legal proceedings in respect of the Services in either the courts of Northern Ireland or England and Wales. If you live in the EU, you can bring legal proceedings in respect of the Services in either the courts of your home country or England and Wales. 

Changes 

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.