FAQs - SKILLBRO TEST

Jason Skill Studio Privacy Policy

Your privacy is very important to us. Accordingly, we have developed this policy in order for you to understand how we collect, use, communicate and make use of personal information. The following provides information on how JASON SKILL STUDIO collects and processes your personal data when you visit our website [to sign up, and purchase a product or service].

It is important that you read this privacy policy which contains detailed information about our data processing.

1. Important information and who we are

Painting with Skill is the controller and responsible for your personal data and this website.

We have appointed a data privacy manager. If you have any questions about this privacy notice or our data protection practices please contact the data privacy manager.

Contact Details

Name: Painting with Skill
Data privacy manager: Matthew Skill
Email address: studio@jasonskill.com
Postal Address;
- Sikehead
- Woodside Lane
- Ryton
- Tyne and Wear
- NE403ND
- United Kingdom
Telephone number: +44(0)7482470197

2. The data we collect about you

We may collect, use, store and transfer different kinds of personal data about you, as follows;

–
- Identity Data
- Contact Data.
- Financial Data
- Transaction Data.
- Technical Data.
- Profile Data.
- Usage Data.
- Marketing and Communications Data.

We explain these categories of data here.

We use different methods to collect data about you, which are explained here.

3. How we use your personal data

We will only use your personal data for the purposes for which we collected it, which include the following:

–
- To register you as a new customer.
- To process and deliver your order.
- To manage your relationship with us.
- To improve our website, products/services, marketing or customer relationships.
- To recommend products or services which may be of interest to you.

4. Further details

This privacy notice provides you with details of how we collect and process your personal data through your use of our site: https://www.studio.jasonskill.com

By providing us with your data, you warrant to us that you are over 13 years of age.

Jason Skill Studio are the data controller, and we are responsible for your personal data (referred to as “we”, “us” or “our” in this privacy notice).

It is very important that the information we hold about you is accurate and up to date.

Please let us know if at any time your personal information changes by emailing us at: studio@jasonskill.com

5. What Data we collect about you, for what purpose and on what grounds do we process it

Personal data means any information capable of identifying an individual. It does not include anonymised data.

We may process the following categories of personal data about you:

• Communication Data that includes any communication that you send to us whether that be through the contact form on our website, through email, text, social media messaging, social media posting or any other communication that you send us. We process this data for the purposes of communicating with you, for record keeping and for the establishment, pursuance or defence of legal claims. Our lawful ground for this processing is our legitimate interests which in this case are to reply to communications sent to us, to keep records and to establish, pursue or defend legal claims.

• Customer Data that includes data relating to any purchases of goods and/or services such as your name, title, billing address, delivery address, email address, phone number, contact details, purchase details and your card details. ( NB since we use PayPal as our payment portal, we don’t handle or retain card details, only your other billing info ) We process this data to supply the goods and/or services you have purchased and to keep records of such transactions. Our lawful ground for this processing is the performance of a contract between you and us and/or taking steps at your request to enter into such a contract.

• User Data that includes data about how you use our website and any online services together with any data that you post for publication on our website. We process this data to operate our website and ensure relevant content is provided to you, to ensure the security of our website, to maintain backups of our website and/or databases and to enable publication and administration of our website, other online services and business. Our lawful ground for this processing is our legitimate interests which in this case are to enable us to properly administer our website and our business.

• Technical Data that includes data about your use of our website and online services such as your IP address, your login data, details about your browser, length of visit to pages on our website, page views and navigation paths, details about the number of times you use our website, time zone settings and other technology on the devices you use to access our website. The source of this data is from our analytics tracking system. We process this data to analyse your use of our website and other online services, to administer and protect our business and website, to deliver relevant website content and advertisements to you and to understand the effectiveness of our advertising. Our lawful ground for this processing is our legitimate interests which in this case are to enable us to properly administer our website and our business and to grow our business and to decide our marketing strategy.

• Marketing Data that includes data about your preferences in receiving marketing from us and our third parties and your communication preferences. We process this data to enable you to partake in our promotions such as free give-aways, to deliver relevant website content and advertisements to you and measure or understand the effectiveness of this advertising. Our lawful ground for this processing is our legitimate interests which in this case are to study how customers use our products/services, to develop them, to grow our business and to inform our marketing decisions.

We may use Customer Data, User Data, Technical Data and Marketing Data to deliver relevant website content and advertisements to you and to measure or understand the effectiveness of the advertising we serve you. Our lawful ground for this processing is legitimate interests which is to grow our business. We may also use such data to send other marketing communications to you. Our lawful ground for this processing is either consent or legitimate interests (namely to grow our business).

• Sensitive Data We do not collect any Sensitive Data about you. Sensitive data refers to data that includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health and genetic and biometric data.

We do not collect any information about criminal convictions and offences.

Where we are required to collect personal data by law, or under the terms of the contract between us and you do not provide us with that data when requested, we may not be able to perform the contract (for example, to deliver goods or services to you). If you don’t provide us with the requested data, we may have to cancel a product or service you have ordered but if we do, we will notify you at the time.

We will only use your personal data for a purpose it was collected for or a reasonably compatible purpose if necessary. For more information on this please email us at studio@jasonskill.com In case we need to use your details for an unrelated new purpose we will let you know and explain the legal grounds for processing.

We may process your personal data without your knowledge or consent where this is required or permitted by law.

We do not carry out automated decision making or any type of automated profiling.

6. How we collect your Personal data

We may collect data about you by you providing the data directly to us (for example by filling in forms on our site or by sending us emails).

We may receive data from third parties such as analytics providers such as Google based outside the EU, such as search information providers such as Google based outside the EU.

7. Marketing Communications

Our lawful ground of processing your personal data to send you marketing communications is either your consent or our legitimate interests (namely to grow our business).

Under Privacy and Electronic Communications Regulations, we may send you marketing communications from us if (i) you made a purchase or asked for information from us about our goods or services or (ii) you agreed to receive marketing communications and in each case you have not opted out of receiving such communications since. However you can still opt out of receiving marketing emails from us at any time.

Please note we do not and never have shared our email list with third parties.

You can ask us to stop sending you marketing messages at any time by following the opt-out links at the bottom of any marketing message sent to you OR by emailing us at studio@jasonskill.com

If you opt out of receiving marketing communications this opt-out does not apply to personal data provided as a result of other transactions, such as purchases, warranty registrations etc.

8. Disclosures of your Personal Data

We may have to share your personal data with the parties set out below:

• Professional advisers including lawyers, bankers, auditors and insurers

• Service providers who provide IT and system administration services

We require all third parties to whom we transfer your data to respect the security of your personal data and to treat it in accordance with the law. We only allow such third parties to process your personal data for specified purposes and in accordance with our instructions.

9. International Transfers

Countries outside of the European Economic Area (EEA) do not always offer the same levels of protection to your personal data, so European law has prohibited transfers of personal data outside of the EEA unless the transfer meets certain criteria.

Many of our third parties service providers are based outside the European Economic Area (EEA) so their processing of your personal data will involve a transfer of data outside the EEA.

Whenever we transfer your personal data out of the EEA, we do our best to ensure a similar degree of security of data by ensuring at least one of the following safeguards is in place:

• We will only transfer your personal data to countries that the European Commission have approved as providing an adequate level of protection for personal data by; or

• Where we use certain service providers, we may use specific contracts or codes of conduct or certification mechanisms approved by the European Commission which give personal data the same protection it has in Europe; or

• If we use US-based providers that are part of EU-US Privacy Shield, we may transfer data to them, as they have equivalent safeguards in place.

If none of the above safeguards is available, we may request your explicit consent to the specific transfer. You will have the right to withdraw this consent at any time.

10. DATA SECURITY

We have put in place security measures to prevent your personal data from being accidentally lost, used, altered, disclosed, or accessed without authorisation. We also allow access to your personal data only to those employees and partners who have a business need to know such data. They will only process your personal data on our instructions and they must keep it confidential.

We have procedures in place to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach if we are legally required to.

11. DATA RETENTION

We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.

When deciding what the correct time is to keep the data for we look at its amount, nature and sensitivity, potential risk of harm from unauthorised use or disclosure, the processing purposes, if these can be achieved by other means and legal requirements.

For tax purposes the law requires us to keep basic information about our customers (including Contact, Identity, Financial and Transaction Data) for six years after they stop being customers.

In some circumstances we may anonymise your personal data for research or statistical purposes in which case we may use this information indefinitely without further notice to you.

12. YOUR LEGAL RIGHTS

Under certain circumstances, you have rights under data protection laws in relation to your personal data including the right to receive a copy of the personal data we hold about you and the right to make a complaint at any time to the Information Commissioner’s Office, the UK supervisory authority for data protection issues ( www.ico.org.uk )

Under data protection laws you have rights in relation to your personal data that include the right to request access, correction, erasure, restriction, transfer, to object to processing, to portability of data and (where the lawful ground of processing is consent) to withdraw consent.

You can see more about these rights at:

https://ico.org.uk/for-organisations/guide-to-the-general-data-protection-regulation-gdpr/individual-rights/

If you wish to exercise any of the rights set out above, please email us at studio@jasonskill.com

You will not have to pay a fee to access your personal data ( or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive or refuse to comply with your request in these circumstances.

We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.

We try to respond to all legitimate requests within one month. Occasionally it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you.

If you are not happy with any aspect of how we collect and use your data, you have the right to complain to the Information Commissioner’s Office (ICO), the UK supervisory authority for data protection issues (www.ico.org.uk). We should be grateful if you would contact us first if you do have a complaint so that we can try to resolve it for you at studio@jasonskill.com

13. Third-Party Links

This website may include links to third-party websites, plugins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy notice of every website you visit.

Terms & Conditions

Please read this carefully because it sets out the terms of a legally binding agreement between you and the Jason Skill Studio. These terms tell you who we are, how we will provide products to you, how you and we may change or end the contract, what to do if there is a problem and other important information.

OUR TERMS

1. THESE TERMS

1.1 These are the terms and conditions on which you may use www.studio.jasonskill.com (the “Website”) and the content/services available on them (the “Content”).

1.2 These terms apply to your use of the Website and all the Content irrespective of whether you are visiting and browsing the Website ( being a “Visitor”), registering with Jason Skill Studio ( a “User”) or viewing paid-for content by purchasing a subscription ( a” Subscriber”). By accessing the Website, you are agreeing to these terms and conditions. If you do not agree with terms and conditions you should not use the Website or any Content.

2. ABOUT US AND HOW TO CONTACT US

2.1 We are Painting with Skill – a sole trader established in England and Wales. Our address is; Sikehead, Woodside Lane, Ryton,Tyne and Wear,NE403ND, United Kingdom.

2.2 You can contact us by telephoning at +44(0)7482470197 or by writing to us at studio@jasonskill.com

2.3 If we have to contact you, we will do so by writing to you at the email address you provided to us in your registration.

2.4 When we use the words “writing” or “written” in these terms, this includes emails.

3. OUR CONTRACT WITH YOU

3.1 Our acceptance of your subscription will take place when we email you to accept it, at which point a contract will come into existence between you and us.

4. YOUR USE OF THE WEBSITE

4.1 By using this Website and the Content, you confirm that you have read, agree and are in compliance with these Terms and the Policies ( each as amended from time to time). Use of the Website and access to the Content by anyone under the age of 13 requires express consent of your legal guardian.

4.2 Your use of and access to this Website and the Content are subject to the following conditions (“Acceptable Use Conditions”), and you agree that failure to comply with any one of the Acceptable Use Conditions will constitute a breach of these Terms. The Acceptable Use Conditions are as follows:

4.2.1 You agree to use the Website and access the Content only for lawful purposes and your use of the Website and Content is in no way unlawful or fraudulent, and does not have the intention or effect of damaging us either reputationally or financially;

4.2.2 You agree not to use or access the Website or the Content for the purpose of harming or attempting to harm minors in any way;

4.2.3 You agree not to distribute all or any part of the Website or Content in any medium without our prior written consent, unless such distribution is offered through the functionality of the Website and permitted by these Terms including, without limitation, under section 7).

4.2.4 You agree not to alter or modify any part of the Website or the Content;

4.2.5 You agree not to knowingly transmit any data or send or submit any content that contains viruses, Trojan horses, worms, time-bombs, key-stroke logger, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware;

4.2.6 You agree not to use or access the Website or Content for any commercial uses or for the benefit or any third party, including but not limited to:

: The sale of access to the Content

: The solicitation of business in the course of trade or in connection with a commercial enterprise; and

: The solicitation of any Visitors or Users of the Website with respect to their content for commercial purposes;

4.2.7 You agree to use the Website and access the Content in a way which does not infringe the rights of third parties or restrict or prevent anyone else’s use and enjoyment of the Website and Content;

4.2.8 You agree not to ask for, collect or harvest any personal data of any Visitors or Users of the Website or Content;

4.2.9 You agree not to post, upload, email or otherwise transmit to or otherwise cause us to email, transmit or otherwise distribute chain letters, surveys or studies, call to action, junk mail, pyramid schemes, incentives ( monetary or click-based), spimming or spamming, or bulk communications of any kin, whether or not for commercial or non-commercial purposes;

4.2.10 You will not copy, reproduce, create derivative works of, distribute, transmit, broadcast, display, sell license, or otherwise exploit any content contained on the Website (including without limitation the Content) for any other purpose other than as permitted by these Terms without our prior written consent;

4.2.11 You agree not to use the Website or the Content and in any manner intended to damage, disable, overburden or impair any Jason Skill Studio server or the network(s) connected to any Jason Skill Studio server, or infringe any requirements, procedures, policies or regulations of any servers or networks connected to the Website;

4.2.12 You agree not to use any high volume, automated, or electronic means to access the Website or the Content (including without limitation robots, spiders or scripts);

4.2.13 You agree not to frame the Website or the Content, place pop-up windows over its pages, or otherwise affect the display of its pages;

4.2.14 You agree not to access or attempt to access any other Visitor or Users account or falsely state, impersonate, or otherwise misrepresent your identity, including but not limited to misrepresenting your affiliations with a person or entity, past or present;

4.2.15 You agree not to send, knowingly receive, submit download, use or re-use any material which does not comply with these Terms

4.2.16 You are responsible for using any tools and materials safely and as directed by the manufacturer(s). You must behave sensibly and follow any safety instructions so as not to hurt or injure yourself or others. The use of painting & drawing tools and materials is entirely at your own risk…

4.3 You acknowledge and agree that the form and nature of the Website and Content which we provide may change from time to time without prior notice to you.

4.4 You acknowledge and agree that we may stop ( permanently or temporarily) providing the Website and Content (or any part of the Content) to you if it is deemed that you are in breach of these Terms, at our sole discretion, without prior notice to you.

4.5 You agree that you are solely responsible for ( and that we have no responsibility to you or to any third party for) any breach of your obligation under the Terms and for consequences of that breach ( including, but not limited to any loss or damage which we or any third party may suffer).

5. PRIVACY POLICY AND REGISTRATION

5.1 All information received by us from your use of the Website will be used by Jason Skill Studio in accordance with our Privacy Policy. Please read this for details of how we may process your personal data.

5.2 Any Visitor can view the Website, but in order to participate fully in all activities on the Website and take part in the Content, you must register for a personal account on the Website (an “ID”) by providing a user name, an email address and a password. You agree that you will never divulge or share access or your access information to your ID with any third party for any reason.

5.3 In setting up your ID, you may be prompted or required to enter additional information, including date of birth, location and any other information that will help otherUsers get to know you and help us to tailor the services to suit you.

5.4 You undertake to us that all information provided by you in relation to your ID is and will continue to be accurate, current and complete at all times and that you will maintain and update your information to keep it accurate, current and complete.

5.5 Each registration is for a single user only. You are not allowed to share your IDor give access to the Content through your ID to anyone else. Jason Skill Studio may cancel or suspend your access to the Website if you share your ID without further obligation to you.

5.6 You are responsible for all use of the Website made by you or anyone else using your ID and for preventing unauthorised use of your ID. If you believe there has been any breach of security such as the disclosure, theft or unauthorised use of your ID or any payment information, you must notify Jason Skill Studio immediately by emailing us at studio@jasonskill.com

6. SUBSCRIPTION SERVICES

6.1 All Users are not required to purchase anything for certain limited use of the Website or access to certain limited Content. Unless you purchase a subscription with Jason Skill Studio, your use of the Website and access to the Content will be limited.

6.2 Jason Skill Studio reserves the right to vary the amount of content and types of service that it makes available to Subscribers.

6.3 Jason Skill Studio accept debit card, credit card and PayPal payments. We will try to process your subscription as promptly as possible. There may be a delay in the activation of your product while payment details are verified. By submitting your payment and other subscription details, you are making an offer to us to buy a subscription. Your offer will only be accepted by us and a contract formed when we have successfully verified your payment details and email address, at which point we will provide you with access to your subscription. We reserve the right to reject any offer in our sole discretion, for any or no reason.

6.4 The subscription price will be made clear to you on our sign-up pages or otherwise during the sign-up process and my vary from time to time. You agree to pay the fees at the rates notified to you at the time you purchase your subscription. For certain subscriptions you can take out either an annual or monthly ( or other frequency we offer ) subscription. Other subscription services may only require a one-off payment. Eligibility for any discount is ascertained at the time you subscribe and cannot be changed during the term of your subscription. We will always tell you in advance of any increase in the price of your subscription and offer you an opportunity to cancel it if you do not wish to pay the new price.

6.5 Each subscription is for a single user only. You are not allowed to share or give access to the subscription-only Content through your ID to anyone else. Jason Skill Studio may cancel or suspend your access to the Website if you share your such content with others without further obligation to you.

7. USER GENERATED CONTENT

7.1 The Website also includes forums, comments sections, blogs and other interactive features that allow interaction between users and users and Jason Skill Studio (the “Chat Channel”), and information posted to the Chat Channel by users. (“User Generated Content” or “UCG”)

7.2 If you wish to view or participate in the Chat Channel, you must comply with these terms.

7.3 You will retain ownership of the copyright in any of your UGC that you publish on the Website. You agree that if you post UGC to a Chat Channel then you are granting Jason Skill Studio a right ( but not an obligation) unlimited in time to publish, re-use, archive, modify, delete that UGC in whole or in part as we see fit, whether on the Website, without any requirement to pay you for this and with or without attribution to you. This means that you grant us a non-exclusive, perpetual, irrevocable, royalty-free licence to use any UGC you publish in whole or in part in any manner and for any purpose whatsoever and without further obligation to you. You also waive any moral rights that you may have in regard to the UGC.Jason Skill Studio will not publish, re-use, modify your UGC outside the Website without your express permission.

7.4 You are responsible for all the content of any of your UGC that you or we publish. You are financially responsible to us for any claim against us by any third party that your UGC is not in accordance with this clause. We reserve the rights to remove your UGC, temporary suspend or terminate your subscription without refund if you are in breach of this clause.

You agree that you will:

7.4.1 only publish UGC that is your original content and will not infringe the copyright or other rights of any third party when publishing UGC.

7.4.2 not post, link to or otherwise publish any UGC containing any form of advertising or promotion for goods and services or any spam or other form of unsolicited communication.

7.4.3 not post, link to or otherwise publish any UGC that is threatening, offensive, libellous, indecent or otherwise unlawful.

7.4.4 not post comments that are discriminatory in nature, for example, comments which make attacks on the grounds of race, religion, sex, gender, sexual orientation, disability or age.

7.4.5 respectfully challenge different points of view but not personally attack other commentators.

7.4.6 not disguise the origin of any UGC and not impersonate any person or entity or misrepresent any connection with any person or entity.

7.4.7 not post or otherwise publish any UGC unrelated to the Chat Channel or the Chat Channel’s topic.

7.4.8 not post or transmit any UGC that contains software viruses, files or code designed to interrupt, destroy or limit the functionality of the Website or any computer software or equipment.

7.4.9 not collect or store other users’ personal data.

7.4.10 not restrict or inhibit any other user from using the Chat Channel.

8. INTELLECTUAL PROPERTY RIGHTS

8.1 We are the owner of the all necessary intellectual property right in all aspects of the Website and the Content including but not limited to the technology, source code, all content, software, scripts, images, graphics, video and audio (the “Content IPR”). The Content IPR is protected to the fullest extent possible by copyright laws. All such rights are reserved. You agree that the Content IPR remain the property of us and that all updates and modifications to the Content IPR will vest in us. You also agree that you have no rights in or to the Content IPR other than the right to access to it in accordance with these terms.

8.2 It is our policy that any content included on the Website or within the Content that infringes, or is likely to infringe, the intellectual property rights of any third party will be removed from the Website as soon as possible after we are made aware of such infringement or potential infringement.

9. THIRD PARTY SITES AND SERVICES

9.1 The website may contain links to other Internet websites or online and mobile services provided by independent third parties, including websites of our advertisers and sponsors (what we call “Third Party Sites”), either directly or through frames.

9.2 It is your decision whether you purchase or use any third-party products or services made available on or via Third Party Sites. Our Privacy Policy does not apply to Third Party Sites.

9.3 The Website contains advertising and sponsorship. Jason Skill Studio is not responsible for any error or inaccuracy in advertising or sponsorship material.

10. YOUR LIABILITY TO US

10.1 You indemnify and keep us fully indemnified from and against all actions, claims, demands, costs, expenses, liabilities, loss, damages or other monetary relief brought, made or awarded against or incurred by us resulting (directly or indirectly) from:

10.1.1 you submitting any content to the Website or participating in the Chat Channels;

10.1.2 your access to or use of the Website or Content;

10.1.3 your breach of any of these Terms; and

10.1.4 any negligent act or omission, deliberate default or breach of statutory duty on your part.

10.2 Each indemnity in this section is separate and independent from the other obligations in these Terms. Each of these indemnities is to remain fully effective despite any indulgence granted from time to time and despite any judgment or order.

10.3 This section 10 survives the expiry of these Terms

11. OUR LIABILITY TO YOU

11.1 Nothing in these Terms affects any statutory rights that you are entitled to as a consumer.

11.2 The Website and the Content are provided to you “as is” and we make no warranty or representation to you with respect to them.

11.3 We exclude all representations, warranties, conditions and terms express or implied by statute, common law or otherwise to the fullest extent permitted by law. We accept no liability for any special, indirect, incidental, consequential or economic loss, or any other losses, howsoever caused arising out of or in connection with these Terms. This includes (without limitation):

:- any loss of profit (directly or indirectly);

:- any loss of goodwill; and:

:- any loss of opportunity.

11.4 We provide the Content on the Website in good faith but give no warranty or representation that the Content are accurate, complete that they will meet your requirements, nor that the Website does not infringe the rights of any third party. We accept no responsibility or liability for your use of Content on the Website and your use is entirely at your own risk. While we take reasonable precautions to prevent the existence of computer viruses and/or other malicious programs on the Website, we accept no liability for them.

11.5 Information transmitted via this Website will pass over public telecommunications networks. We make no representation or warranty that the operation of this Website will be timely, secure, uninterrupted or error-free and disclaim all liability in that respect to the greatest extent permitted by law.

11.6 We accept no responsibility for any loss or damage incurred by you as a result of:

11.6.1 any reliance placed by you on the completeness, accuracy or existence of any information or advertising, or as a result of any relationship or transaction between you and any advertiser or sponsor whose advertising appears on the Website or in relation to the Content;

11.6.2 any changes which we may make to the Website or Content, or for any temporary interruptions in the provision of the Website or Content;

11.6.3 the deletion of, corruption of, or failure to store, any Content and other communications data maintained or transmitted by or through your use of the Website;

11.6.4 your failure to provide us with accurate account information; or

11.6.5 your failure to keep your account details secure and confidential.

You are responsible for using any tools and materials safely and as directed. You must behave sensibly and follow any safety instructions so as not to hurt or injure yourself or others. The use of painting & drawing tools and materials is entirely at your own risk

11.7 We reserve the right to suspend your use of the Website and/or access to the Content at any time for operational, regulatory, legal or other reasons.

11.8 We may terminate your account/subscription or access/use of the Website with immediate effect:

11.8.1 if we reasonably believe you or any User you are connected with are in breach of any of these Terms;

11.8.2 in order to prevent any fraudulent, unlawful or abusive activity; or

11.8.3 if it is necessary to prevent or stop any harm or damage to us, other Users of the Website or the general public.

12. GOVERNING LAW

12.1 These Terms, your use and access to the Website, and all other policies issued by us whether referred to by us herein or not are governed by and construed in all respects in accordance with the laws of England and Wales.

12.2 Any or all disputes arising between you and us in connection with your access and use of the Website, including as to the validity of these terms or policy issued by us, will be subject to the exclusive jurisdiction of the courts of England and Wales. For any dispute between you and us, you agree that you will first attempt to resolve it with us informally. In the unlikely days of the dispute being notified in writing, we both agree to submit to the exclusive jurisdiction of the courts of England and Wales to resolve any such dispute.

13. CHANGES TO THE WEBSITE AND THESE TERMS

13.1 We may update or amend these Terms (as well as our Policies or and other guidance we issue) from time to time to comply with law or to meet our changing business requirements. When we update our Terms or Policies, we will take appropriate measures to inform you, consistent with the significance of the changes we make. Any updates or amendments will be posted on the Website.

13.2 For any operational, regulatory, legal or other reason, we reserve the right to modify, suspend or discontinue all of the Content with or without notice to you and we will not be liable to you or any third party for any such modifications, suspension or termination. By continuing to use the Website, you agree to be bound by the terms of these updates and amendments.

14. OTHER IMPORTANT TERMS

14.1 If any of these Terms are found to be illegal, invalid or unenforceable by any court of competent jurisdiction, the remainder of these Terms remain in full force and effect.

14.2 Only you and we are entitled to enforce these Terms. No third party is entitled to enforce any of these Terms, whether by virtue of the Contracts (Rights of Third Parties) Act 1999 (which is expressly excluded) or otherwise.

14.3 We may freely transfer or assign any part of our rights or delegate our obligations under these Terms. You are not entitled to transfer or assign, by operation of law or otherwise, any part of your rights or delegate your obligations under these Terms without our prior written consent.

14.4 These Terms, the Policies set out the entire agreement between you and us and replace any and all prior terms, conditions, warranties and/or representations to the fullest extent permitted by law. Any delay or failure by us to exercise any right we may have under these Terms does not constitute a waiver by us of that right.

Frequently Asked Questions

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Can i pay / do i have to pay via PayPal ?

Can i pay by Credit Card ?

Can i switch from Monthly to Annual Payments or vice versa ?

Where can i download documents ?