Terms and Conditions for Made for More: The Money Mindset Audit

1. These Terms

1. These are the terms and conditions (“Terms”) on which we supply our goods and services to you in the form of an online digital ecourse called  Made for More: The Money Mindset Audit (“ecourse”).

1. Please read these Terms carefully before you submit your order to us. These Terms tell you who we are, how we will provide products to you, how you and we may change or end our relationship, and other important information. If you think that there is a mistake in these Terms or require any changes, please contact us via email at [email protected] to discuss.

1. Information about us

1. We are Ray Dodd Limited, incorporated and registered in England and Wales with company number 11080799, whose registered office is at 3 Preston Place, Chapel Street, Faversham, Kent, United Kingdom, ME13 8ER. Our registered VAT number is 310910157

1. You can contact us via email at [email protected] or via post at 3 Preston Place, Chapel Street, Faversham, Kent, United Kingdom, ME13 8ER.

1. If we have to contact you we will do so by writing to you at the email address or postal address you provide to us in your order.

1. Our Agreement with you

1. Our acceptance of your order will take place when we email you to accept it, at which point an agreement will come into existence between you and us as governed by these Terms.

1. If we are unable to accept your order, we will inform you of this in writing and will not charge you for the ecourse. This might be because of unexpected limits on our resources which we could not reasonably plan for, or because we have identified an error in the price or description of the ecourse.

1. Our Rights to Make Changes

1. We may change the ecourse to:

1. 4.1.1.reflect changes in relevant laws and regulatory requirements; or 

1. implement minor technical adjustments and improvements, for example to address a security threat. These changes will not affect your use of the ecourse.

1. We may update or require you to update content of the ecourse, provided that the content of the ecourse shall always match the description of it that we provided to you before you bought it.

1. Provision of the Ecourse

1. We will supply the ecourse to you until either:

1. 5.1.1.the ecourse is complete; or

1. 5.1.2.you end the agreement between us as described in Clause 6 below; or

1. we end the agreement between us by written notice to you as described in Clause 6 below.

1. If our supply of the ecourse is delayed by an event outside our control, then we will contact you as soon as possible to let you know and we will take steps to minimise the effect of the delay. Provided we do this, we will not be liable for delays caused by the event, but if there is a risk of substantial delay you may contact us to end the agreement between us and receive a refund for parts of the ecourse you have paid for but not received.

1. If you do not pay us for the ecourse when you are supposed to and you still do not make payment within seven (7) days of us reminding you that payment is due, we may suspend supply of the ecourse until you have paid us the outstanding amounts. We will contact you to tell you that we are suspending supply of the ecourse in such an instance. 

1. Ending the contract

1. If you are ending the agreement for a reason set out in this clause 6.1, the agreement will end immediately and we will refund you in full for parts of the ecourse you have paid for but not received. The reasons include:

1. we have told you about an upcoming change to the ecourse or these terms which you do not agree to;

1. 6.1.2.we have told you about an error in the price or description of the ecourse you have ordered and you do not wish to proceed;

1. there is a risk that supply of the ecourse may be significantly delayed because of events outside our control;

1. we have suspended supply of the ecourse for technical reasons, or notify you we are going to suspend them for technical reasons, in each case for a period of more than one (1) month;

1. you have a legal right to end the agreement because of something we have done wrong; or

1. we have decided, based on external factors and in our absolute discretion, to allow you to end the agreement between us.

1. Where you are entitled to a refund under clause 6.1, we will refund you by the method you used for payment as soon as possible (but not later than 14 days after we have agreed to the refund).

1. You have 14 days after the day we email you to confirm we accept your order or, if earlier, until you start downloading or streaming the ecourse. If we delivered the ecourse to you immediately, and you agreed to this when ordering, you will not have a right to change your mind or request a refund.

1. You do not have the right to change your mind or request a refund in respect of the ecourse once you have started to download or stream it.

1. To end your agreement with us, please let us know by emailing us at [email protected].

1. We may end the agreement at any time by writing to you if you do not make any payment to us when it is due, and you still do not make payment within seven (7) days of us reminding you that payment is due.

1. Summary of your key legal rights

1. This is a summary of your key legal rights. These are subject to certain exceptions. For detailed information please visit the Citizens Advice website at www.adviceguide.org.uk.

1. The Consumer Rights Act 2015 says that digital content must be as described, fit for purpose and of satisfactory quality. If:

1. 7.2.1.the digital content is faulty, you may be entitled to a repair or a replacement;

1. the fault cannot be fixed, or if it hasn’t been fixed within a reasonable time and without significant inconvenience, you can get some or all of your money back;

1. you can show the fault has damaged your device and we have not used reasonable care and skill, you may be entitled to a repair or compensation.

1. Your Personal Information

We will only use your personal information as set out in our Privacy Policy, available here www.raydodd.co.uk/privacy-policy

1. Confidentiality

1. For the purposes of these Terms, confidential information means information provided or shared throughout the ecourse in written, graphic, recorded, machine readable or other form concerning business, clients, suppliers, financers, personal information, family information and other areas of the other party’s business, background or current situation (“Confidential information”).

1. You will not use or disclose to any person either during or at any time after your use of the ecourse any Confidential Information. This restriction does not apply to any disclosure that has been authorised by us or that is required by law.

1. 10.Intellectual Property

All intellectual property rights in and arising from the ecourse, its content and all related content are and remain our property. In relation to the ecourse, its content and all related content, we do not allow copying, modifying, reproducing, publishing (or re-publishing), selling, distributing, or otherwise making available to anyone not a party to these Terms.

1. 11.Disclaimer

You acknowledge and agree that we are not licensed psychiatrists, psychologists, mental health professionals or medical professionals and our services are not intended to replace those of such professions. Whilst we have utilised in creating the ecourse, and we will at all times in our dealings with you utilise, our best professional endeavours and skills, we do not guarantee any specific outcome from your use of the ecourse. 

1. 12.General Terms

1. We may transfer our rights and obligations under these Terms to another organisation. We will always tell you in writing if this happens and will ensure that the transfer will not affect your rights under the agreement between us.

1. You may only transfer your rights or obligations under these Terms to another person if we agree to this in writing in advance. 

1. Nobody else has any rights under these Terms, except someone you pass your guarantee on to with our express permission under Clause 10.2. The agreement is between you and us, and no other person will have any rights to enforce any of its terms.

1. If a court finds part of these Terms illegal, the rest will continue in force. 

1. Even if we delay in enforcing these Terms, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under these Terms, or if we delay in taking steps against you in respect of your violation of these Terms, that will not mean that you do not have to do those things and it will not prevent us from taking steps against you at a later date.

1. These terms are governed by English law and you can bring legal proceedings in respect of these Terms in the English courts.