Terms and Conditions of Supply of Brand Financial Training Ltd
Last Updated : 4 November 2024
1 INTRODUCTION
https://brandft.co.uk (“Website”) is owned and operated by Brand Financial Training Ltd, a company registered in England and Wales under company number 7153959 and with our registered office at 1 Larkfield Grove, Chepstow NP16 5UF and VAT number is 979 2499 45.
Please read these terms and conditions carefully before placing an order. By purchasing products on this Website, you agree to be bound by these terms and conditions. If you are not willing to be bound by these terms and conditions, please do not purchase products on this Website.
2 DEFINITIONS
2.1 “Buyer” means the individual who buys or agrees to buy the Products and/or Services from the Supplier;
2.2 “Consumer” shall have the meaning ascribed in section 12 of the Unfair Contract Terms Act 1977;
2.3 “Contract” means the contract between the Supplier and the Buyer for the sale and purchase of Products and/or Services incorporating these Terms and Conditions;
2.4 “Products” means the articles that the Buyer agrees to buy from the Supplier;
2.5 “Intellectual Property Rights” means patents, rights to inventions, copyright and moral rights, trademarks and service marks, business names and domain names, rights in get-up, goodwill and the right to sue for passing off, rights in designs, rights in computer software, database rights, rights to use, and protect the confidentiality of, confidential information (including know-how), and all other intellectual property rights, in each case whether registered or unregistered and including all applications and rights to apply for and be granted, renewals or extensions of, and rights to claim priority from, such rights and all similar or equivalent rights or forms of protection which subsist or will subsist now or in the future in any part of the world.
2.6 “Services” means the services that the Buyer agrees to buy from the Supplier;
2.7 “Supplier” means Brand Financial Training Ltd, 1 Larkfield Grove, Chepstow NP16 5UF that owns and operates brandft.co.uk;
2.8 “Terms and Conditions” means the terms and conditions of sale set out in this agreement and any special terms and conditions agreed in writing by the Supplier;
2.9 “Website” means brandft.co.uk and brandfinancialtraining.thinkific.com
3 CONDITIONS
3.1 Nothing in these Terms and Conditions shall affect the Buyer’s statutory rights as a Consumer.
3.2 These Terms and Conditions shall apply to all contracts for the sale of Products and/or Services by the Supplier to the Buyer and shall prevail over any other documentation or communication from the Buyer.
3.3 It is your responsibility to make any and all arrangements necessary in order to access the Website.
3.4 Access to the Website is provided “as is” and on an “as available” basis. We may alter, suspend or discontinue the Website (or any part of it) at any time and without notice. We will not be liable to you in any way if the Website (or any part of it) is unavailable at any time and for any period.
3.5 Use of the Website is subject to our Website Terms of Use. Please ensure that you have read them carefully and that you understand them.
3.6 Acceptance of delivery of the Products shall be deemed conclusive evidence of the Buyer’s acceptance of these Terms and Conditions.
3.7 Any variation to these Terms and Conditions (including any special terms and conditions agreed between the parties) shall be inapplicable unless agreed in writing by the Supplier.
3.8 Any special conditions applying to the provision of the Services are set out in the Schedule to this agreement.
3.9 Any complaints should be addressed to the Supplier’s address stated in clause 2.7.
4 PRIVACY POLICY AND ACCEPTABLE USE POLICY
Registration and other information provided by you is subject to our Privacy Policy and shall only be used in accordance with it. For more information, please go to our Privacy Policy https://brandft.co.uk/privacy-policy/.
5 PRODUCTS
Images of products on our Website are for illustrative purposes only.
6 AGE RESTRICTION
You shall not purchase any Products from our Website if you are below the age of 18 years old.
7 ENTIRE AGREEMENT
These Terms and the Privacy Policy constitute the entire agreement between you and us and supersedes all previous agreements, promises, assurances, warranties, representations and understandings between us, whether written or oral, relating to its subject matter.
8 REPRESENTATIONS
8.1 You acknowledge and agree that by entering into this Contract with us you do not rely on any statement, representation, assurance or warranty (whether made innocently or negligently) that is not set out in these Terms or the Privacy Policy.
8.2 You shall not have any claim for innocent or negligent misrepresentation against us based on any statement in this Contract.
8.3 Except as expressly stated in these Terms, we do not give any representation, warranties or undertakings in relation to the Products. Any representation, condition or warranty which might be implied or incorporated into these Terms by statute, common law or otherwise is excluded to the fullest extent permitted by law. In particular, we will not be responsible for ensuring that the Products are suitable for your purposes.
9 INTELLECTUAL PROPERTY RIGHTS
9.1 All Intellectual Property Rights and goodwill in or relating to the contents of the Supplier’s Products and/or Services is the copyright of the Supplier.
9.2 The Supplier shall perform the Services with reasonable skill and care. However, where applicable, the Supplier does not guarantee that the Services will be uninterrupted, secure or error-free or that any data generated, stored, transmitted or used via or in connection with the Services will be complete, accurate, secure, up to date, received or delivered correctly or at all. The Supplier may have to suspend the Services for repair, maintenance or improvement. If so, the Supplier will restore them as quickly as is reasonably possible.
9.3 Whilst the Supplier makes every effort to ensure that all information (written and verbal) provided is accurate and correct at the time, no liability for any claims in relation to loss of business or consequential damage incurred by you as a result of using or relying on the information will be accepted. The Supplier shall not accept responsibility for loss or damage, whether direct, indirect, incidental or consequential in connection with or arising from your use of or any information provided by or omitted by the Supplier.
9.4 The Products and Services could include inaccuracies or typographical errors and is in no way intended to be an official representation of the Chartered Insurance Institute™ examinations. The Chartered Insurance Institute™ does not review or warrant the accuracy of any Products or Services offered by the Supplier. The Supplier may make improvements and/or changes to Products and Services at any time without notice.
9.5 The Supplier is not associated in any way with the Chartered Insurance Institute™
10 USE OF PRODUCTS AND/OR SERVICES
10.1 All Products and/or Services are purchased solely for the personal use of the Buyer. The Products and/or Services are supplied to the original Buyer only and may not be transferred.
10.2 All products are protected by copyright and may not be shared, re-produced, recorded, copied or summarised in whole or in part in any form for any purpose without the written permission of the copyright holder Brand Financial Training Ltd.
10.3 No product in whole or in part may be copied or reproduced in a generative AI tool.
10.4 The Buyer may not email, lend, hire or give any Products and/or Services to individuals or companies for either commercial or non-commercial use.
10.5 The Buyer may not sell the Products and/or Services to individuals or companies for either commercial or non-commercial use.
10.6 Should any illegal use of any materials be discovered, legal actions may be instigated against the Buyer.
11 ORDERING
11.1 All orders for Products and/or Services shall be deemed to be an offer by the Buyer to purchase Products and/or Services pursuant to these Terms and Conditions and are subject to acceptance by the Supplier. The Supplier may choose not to accept an order for any reason.
11.2 When placing an order electronically via the Website, the technical steps the Buyer needs to take to complete the order process are given. By submitting an electronic order the Buyer is making an offer to purchase Products and/or Services which, if accepted by the Supplier, will result in a legally binding contract.
11.3 If there is any conflict between these Terms and any term of the Order, the Order will take priority.
11.4 At the time of acceptance of an Order an order number is assigned to you. You should quote the order number in all your subsequent correspondence relating to the Order.
11.5 In the unlikely event that the Supplier does not accept or cannot fulfil the Buyer’s order for any reason, the Supplier will explain why in writing. If the Supplier has taken payment any such sums will be refunded to the Buyer as soon as possible and in any event within 14 days.
11.6 By placing an order, the Buyer agrees to receive our newsletter and other email communications. The Buyer can unsubscribe at any time.
12 RIGHT TO CANCEL
12.1 Your legal right to cancel a Contract starts once your order is complete, i.e. when the Contract between the Supplier and the Buyer is formed. Your right to cancel the Contract depends on what you have ordered and how it is delivered, as set out in clause 12.2 below.
12.2 You have a legal right as a consumer to cancel a Contract under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 during the period set out below:
Your Contract | End of the cancellation period |
Your Contract is for a single Product (which is not delivered in instalments on separate days). | 14 days after the day on which you received the Product. |
Your Contract is for either of the following:
|
14 days after the day on which you receive the last instalment of the Product or the last of the separate Products ordered. |
Your Contract is for the regular delivery of a Product over a set period. | 14 days after the day on which you receive the first delivery of the Products. |
12.3 If during the relevant period you intend to cancel the Contract with us, you can notify us of your decision and receive a refund. You can obtain advice on your legal right to cancel the Contract from your local Citizens’ Advice Bureau or Trading Standards office.
13 RETURN AND REFUND
13.1 To cancel a Contract in accordance with clause 12 above, you should e-mail us at or contact our Customer Services team at 0345 680 1682 or by post to Brand Financial Training Ltd, 1 Larkfield Grove, Chepstow NP16 5UF. Please include details of your order.
13.2 If you send us your cancellation notice by e-mail or by post, then your cancellation is effective from the date you send us the e-mail or post the letter to us.
13.3 We will contact you or give you notice by e-mail or by post to the address you provided us with your order.
13.4 If you cancel your Contract we will:
a) refund you the price you paid for the Products after deducting any reduction in the value of the Products that has been caused by your handling them in an unacceptable manner.
b) refund you any delivery costs you have paid calculating them on the basis of the least expensive delivery method that is generally acceptable. For example, if we offer delivery of a Product within 3-5 days at one cost but you choose to have the Product delivered within 24 hours at a higher cost, then we will only refund what you would have paid for the cheaper delivery option.
c) make any refunds due to you as soon as possible and in any event within the deadlines indicated below:
i) if you have received the Product and we have not offered to collect it from you: 14 days after the day on which we receive the Product back from you or, if earlier, the day on which you provide us with evidence that you have sent the Product back to us.
ii) if you have not received the Product or you have received it and we have offered to collect it from you: 14 days after you notify us that you intend to cancel the Contract.
13.5 If you have returned the Products because they are faulty or mis-described, we will refund the price of the Products in full, together with any applicable delivery charges, and any reasonable costs you incur in returning the item to us.
13.6 Refunds will be made to you using the payment method used by you to pay for the Order.
13.7 If a Product has been delivered to you prior to your decision to cancel your Contract:
a) then you must return it to us without undue delay and in any event not later than 14 days after the day on which you let us know that you wish to cancel the Contract. If we have offered to collect the Products from you, we will collect the Products from the address to which they were delivered;
b) you will be responsible for the cost of returning the Products to us except where the Product is faulty or not as described. If the Product cannot be returned by post, then the costs of delivering it by carrier should not exceed the sums we charged you for delivery. If we have offered to collect the Product from you, you will be charged with the direct cost to us of collection.
13.8 As a consumer, you have legal rights in relation to Products that are faulty or not as described. These legal rights are not affected by your right of return and refund in this clause 13 or anything else in these Terms. You can seek advice on your legal rights from your local Citizens’ Advice Bureau or Trading Standards office.
14 PRICE AND PAYMENT
14.1 The price of the Products and/or Services shall be that stipulated on the Website and confirmed on the checkout page. The price is inclusive of VAT unless otherwise stated. If the VAT rate changes between the Buyer’s order being placed and the Supplier taking payment, the amount of VAT payable will be automatically adjusted when taking payment. Where applicable, the price excludes delivery charges.
14.2 We make all reasonable efforts to ensure that all prices shown on the Website are correct at the time of going online. We reserve the right to change prices and to add, alter, or remove special offers from time to time and as necessary. Changes in price will not affect any order that you have already placed (please note sub-Clause 14.1 regarding VAT, however).
14.3 In the event that the price of Products the Buyer has ordered changes between the Buyer’s order being placed and the Supplier processing that order and taking payment, the Buyer will be charged the price shown on the Website at the time of placing the order.
14.4 After the order is received the Supplier shall confirm by email the details, description and price for the Products and/or Services.
14.5 Payment of the price including VAT and delivery charges, if applicable, must be made in full before dispatch of Products or commencement of the Services or, if the Supplier agrees to credit terms, within 30 days of receipt of invoice.
14.6 Where applicable, if any payment is not paid on time or any payment is rejected or refused, the amount owing will be treated as overdue and the Supplier will be entitled immediately to cease or suspend the provision of any Service or further deliveries of Products until payment has been received.
14.7 Where applicable, the Supplier shall be entitled to charge interest on overdue invoices from the date when payment becomes due from day to day until the date of payment at a rate of 8% per annum above the base rate of the Bank of England from time to time in force.
15 LIMITATION OF LIABILITY
15.1 The Supplier shall begin to perform Services on the date shown for the selected Service shown on the Website.
15.2 The Supplier shall perform the Services with reasonable skill and care. However, where applicable, the Supplier does not guarantee that the Services will be uninterrupted, secure or error-free or that any data generated, stored, transmitted or used via or in connection with the Services will be complete, accurate, secure, up to date, received or delivered correctly or at all. The Supplier may have to suspend the Services for repair, maintenance or improvement. If so, the Supplier will restore them as quickly as is reasonably possible.
15.3 Whilst the Supplier makes every effort to ensure that all information (written and verbal) provided is accurate and correct at the time, no liability for any claims in relation to loss of business or consequential damage incurred by a Consumer as a result of using or relying on the information will be accepted. The Supplier shall not accept responsibility for loss or damage, whether direct, indirect, incidental or consequential in connection with or arising from your use of or any information provided by or omitted by the Supplier.
15.4 The Products and Services could include inaccuracies or typographical errors and is in no way intended to be an official representation of the Chartered Insurance Institute™ examinations. The Chartered Insurance Institute™ does not review or warrant the accuracy of any Products or Services offered by the Supplier. The Supplier may make improvements and/or changes to documentation at any time without notice.
15.5 Products supplied by us are for non-commercial purposes only. You shall not use the Products for any business or re-sale, or commercial purpose. We are not liable to you for any loss of business, loss of profit, loss of business opportunity, business interruption or exam failure.
15.6 Exceptions to Limitation of Liability
Our liability does not exclude or limit in any way:
(a) fraud or fraudulent misrepresentation;
(b) death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors;
(c) defective products under the Consumer Protection Act 1987;
(d) breach of the terms implied by sections 13, 14 and 15 of the Sale of Products Act 1979 (description, satisfactory quality, fitness for purpose and samples); and
(e) breach of the terms implied by section 12 of the Sale of Products Act 1979(title and quiet possession).
15.7 Nothing in these Terms and Conditions seeks to exclude or limit the Buyer’s legal rights as a consumer. For more details of your legal rights, please refer to your local Citizens Advice Bureau or Trading Standards Office.
15.8 Except as may be implied by law, in the event of any breach of these Terms and Conditions by the Supplier the remedies of the Buyer shall be limited to damages which shall in no circumstances exceed the price of the Products and/or Services and the Supplier shall under no circumstances be liable for any indirect, incidental or consequential loss or damage whatsoever.
16 RIGHTS OF SUPPLIER
16.1 The Supplier reserves the right to periodically update prices on the Website, which cannot be guaranteed for any period of time. The Supplier shall make every effort to ensure prices are correct at the point at which the Buyer places an order.
16.2 The Supplier reserves the right to withdraw any Products and/or Services from the Website at any time.
16.3 The Supplier shall not be liable to anyone for withdrawing any Products and/or Services from the Website or for refusing to process an order.
17 DELIVERY
17.1 The Supplier shall use its reasonable endeavours to meet any date agreed for delivery. In any event time of delivery shall not be of the essence and the Supplier shall not be liable for any losses, costs, damages or expenses incurred by the Buyer or any third party arising directly or indirectly out of any failure to meet any estimated delivery date.
17.2 Delivery of the Products and/or Services shall be made electronically to the Buyer’s email address specified in the order.
17.3 Risk in the Products and/or Services shall pass to the Buyer upon delivery of the Products and/or Services.
17.4 The right to use the Products and/or Services shall not pass to the Buyer until payment of the price has been made in full.
17.5 Use of the Products and/or Services is for the personal use of the Buyer only.
18 HOW WE USE YOUR PERSONAL INFORMATION (DATA PROTECTION)
18.1 All personal information that the Supplier may collect (including, but not limited to, the Buyer’s name, address and telephone number) will be collected, used and held in accordance with the provisions of the General Data Protection Regulation (GDPR).
18.2 See our privacy policy and cookie policy for information on how we use your personal information. Links to the policies can be found at the footer of this page.
19 WAIVER
No waiver by the Supplier (whether express or implied) in enforcing any of its rights under this contract shall prejudice its rights to do so in the future.
20 CIRCUMSTANCES BEYOND OUR CONTROL
20.1 If there is failure to perform, or delay in performance of any of our obligations under these Terms due to Circumstances Beyond Our Control, we will not be liable for such failure.
20.2 Circumstances Beyond Our Control include any act or event beyond our reasonable control, including without limitation lock-outs, strikes, or other industrial action by third parties, riots, civil commotion, terrorist attack or threat of terrorist attack, invasion, war (whether declared or not) or threat or preparation for war, explosion, fire, flood, storm, subsidence, epidemic, pandemic, earthquake, or other natural disaster, or failure of private or public telecommunications networks.
20.3 If any Circumstances Beyond Our Control affects the performance of our obligations under these Terms:
20.4 you will be notified as soon as reasonably possible; and
20.5 the time for performance of our obligations will be extended and our obligations under these Terms will be suspended for the duration of the Circumstances Beyond Our Control. If the delivery date is affected by the Circumstances Beyond Our Control, we will reschedule the delivery date with you after the Circumstances Beyond Our Control are over.
20.6 If Circumstances Beyond Our Control occur and you do not wish us to provide the Products, you may cancel the contract in accordance with clause 12. We may cancel the contract if the Circumstances Beyond Our Control continues for more than two weeks in accordance with our cancellation rights in clause 12.
21 NOTICE
21.1 Any notice to us should be in writing and sent to us by e-mail, or by pre-paid post to Brand Financial Training Ltd at 1 Larkfield Grove, Chepstow NP16 5UF or
21.2 Any notice to you will be in writing by e-mail, by hand, or by pre-paid post to the address you provided us with on the Order.
22 SEVERANCE
If any term or provision of these Terms and Conditions is held invalid, illegal or unenforceable for any reason by any court of competent jurisdiction such provision shall be severed and the remainder of the provisions hereof shall continue in full force and effect as if these Terms and Conditions had been agreed with the invalid illegal or unenforceable provision eliminated.
23 CHANGES TO TERMS AND CONDITIONS
23.1 We reserve the right, at our discretion, to modify, add, or remove any or all of these terms and conditions at any time and each such change shall be effective immediately upon posting. This right shall not affect the existing Terms and Conditions accepted by the Buyer upon making a purchase. Please check these terms and conditions periodically for changes.
23.2 Your continued use of the Website and purchase of products on the Website following the posting of changes to these terms and conditions will mean you accept those changes. Please check the terms before every purchase.
23.3 If the revised terms apply to your order, we will notify you of the changes. If you intend to cancel the Contract with us upon such changes, you may cancel either in respect of all the affected Products and/or Services or just the Products and/or Services you are yet to receive. If you opt to cancel, you shall return (at our cost) relevant Products you have already received and we will refund the price you have paid, including any delivery charges.
24 MISCELLANEOUS
24.1 We may assign our rights and obligations under these Terms to any another person. If there is any such assignment of rights and obligation, we will inform you in writing or by email.
24.2 You cannot transfer your rights and obligations under these Terms to any another person without our written approval.
24.3 This contract is only between you and us. No other third person shall have any rights to enforce any terms.
24.4 Each paragraph of these Terms are separate and distinct from each other. If any court or relevant authority determines any of paragraphs of these Terms is unlawful, then such determination will not affect other paragraphs and all other remaining paragraphs will remain in effect and full force.
24.5 Our failure to insist that you perform any of your obligations under these Terms, or to enforce our rights against you, or delay in doing so, does not mean that our rights against you have been waived and does not mean that you need not comply with those obligations. Any waiver by us of your default will be only in writing, and it does not mean that we will waive any of your future defaults.
24.6 The law of England and Wales governs these Terms and contract between you and us. English and Welsh courts will have jurisdiction on any dispute that may arise out of this Terms or contract between you and us. However, you may bring proceedings in Northern Ireland if you are a resident of Northern Ireland, and you may bring proceedings in Scotland if you are a resident of Scotland.