Terms of Service

TERMS & CONDITIONS

THATAHMEDKHAN LIMITED

Company Registration Number: 16696032

Registered Address: 11 Whitney Drive, Stevenage, SG1 4BE, Hertfordshire

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1. DEFINITIONS

When the following words with capital letters are used in these Terms, this is what they will mean:

1.1 Booking: Your booking for a Mentoring Programme, Coaching Session, Course, or Seminar.

1.2 Consumer: An individual purchasing products or services from us wholly or mainly for personal use (not for business purposes).

1.3 Business Customer: Any person or entity purchasing products or services from us for business, trade, craft or professional purposes.

1.4 Deposit: The initial payment of £500 (or such other amount as we communicate to you at the time of booking) required to secure your Booking.

1.5 Digital Content: Our online courses, videos, guides, templates, recordings, social media content, YouTube videos, and other digital materials provided through our website, platforms, or any other medium.

1.6 Excluded Services: Any services, products, investments, or opportunities offered to you by third parties (including but not limited to builders, solicitors, mortgage brokers, accountants, surveyors, estate agents, property sourcers, financial advisors, insurance brokers, contractors, tradespeople, or any other service providers we may mention or recommend) which are NOT provided directly by us and do NOT form part of our contract with you.

1.7 Force Majeure Event: Any circumstance beyond our reasonable control including acts of God, pandemic, epidemic, fire, flood, earthquake, terrorist attack, war, civil unrest, strikes, industrial action, failure of utility services, government restrictions or lockdowns, or any other event beyond our reasonable control.

1.8 Intellectual Property Rights: All copyright, trademarks, design rights, database rights, confidential information, know-how and all other intellectual property rights (whether registered or unregistered) including all applications and rights to apply for registration.

1.9 Mentoring Programme/Coaching Session/Course/Seminar: Any one-to-one mentoring, one-to-one coaching, group coaching, course, seminar, workshop, training session, or other educational service we provide, whether delivered in person, online, via telephone, or in recorded format.

1.10 Products: All goods, services, and Digital Content that we offer including coaching sessions, mentoring programmes, courses, memberships, templates, guides, and access to online platforms or communities.

1.11 Success Guarantee: The specific guarantee offered on certain Mentoring Programmes (where explicitly stated at the time of purchase) as detailed in clause 22 of these Terms.

1.12 Terms: These terms and conditions.

1.13 Unlimited Mentoring Programme: The specific mentoring programme (where explicitly offered and purchased) that continues until completion of your first property deal, as detailed in clause 23 of these Terms.

1.14 We/Us/Our: thatahmedkhan Limited

1.15 Website: www.ahmed-khan.com and any associated websites, social media channels, YouTube channels, or platforms operated by us.

1.16 You/Your: The person or entity placing a Booking or Order with us.

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2. INFORMATION ABOUT US AND HOW TO CONTACT US

2.1 Who we are. We are thatahmedkhan Limited, a private limited company registered in England and Wales under company number 16696032. Our registered office is at 11 Whitney Drive, Stevenage, SG1 4BE.

2.2 We are NOT FCA regulated. We are not authorised or regulated by the Financial Conduct Authority (FCA) or any other financial regulatory body. We do NOT provide financial advice, investment advice, tax advice, legal advice or any other regulated professional services. All content, information, and opinions we provide are for general educational purposes only and represent our personal experiences and opinions based on our own property investing journey.

2.3 How to contact us. You can contact us by:

2.4 How we may contact you. If we need to contact you, we will do so by telephone or email using the contact details you provided when making your Booking or Order.

2.5 "Writing" includes emails. When we use "writing" or "written" in these Terms, this includes emails and other electronic communications.

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3. THESE TERMS

3.1 What these Terms cover. These Terms govern the sale and delivery of all Products, Mentoring Programmes, Coaching Sessions, Courses and Seminars we provide to you. These Terms also apply to all content we provide through any medium including our website, social media channels (including but not limited to YouTube, Instagram, Facebook, Twitter, TikTok, LinkedIn), emails, newsletters, and any other communications.

3.2 Why you should read them. Please read these Terms carefully before placing an Order or Booking, or before engaging with our content. These Terms explain:

  • Who we are and what we do (and don't do)
  • How we will provide Products and deliver Mentoring Programmes
  • Your legal rights and our legal rights
  • How to change or cancel a Booking
  • Our refund policy
  • What to do if there is a problem
  • Important limitations on our liability
  • The specific terms of our Success Guarantee and Unlimited Mentoring Programme (where applicable)

3.3 Consumer or Business Customer. You will have different rights depending on whether you are a Consumer or Business Customer (see definitions in clause 1.2 and 1.3). Provisions specific to Consumers are marked in bold, and those specific to Business Customers are marked in italics.

3.4 If you are a Business Customer this is our entire agreement. If you are a Business Customer, these Terms constitute the entire agreement between us. You acknowledge that you have not relied on any statement, promise, representation, assurance or warranty made by us which is not set out in these Terms.

3.5 Agreement to these Terms. By placing an Order or Booking with us, consuming our content (including watching our videos, reading our social media posts, or accessing our website), or engaging with us in any way, you confirm that you accept these Terms and our Disclaimer and agree to comply with them.

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4. OUR CONTRACT WITH YOU

4.1 How we will accept your Order or Booking. Our acceptance of your Order or Booking will take place when:

  • 4.1.1 We email you to confirm acceptance, at which point a contract comes into existence; or
  • 4.1.2 We confirm your Booking verbally (in person or by telephone) and send written confirmation; or
  • 4.1.3 You pay the Deposit, at which point a contract comes into existence.

4.2 If we cannot accept your Order or Booking. If we cannot accept your Order or Booking, we will inform you in writing and will not charge you. This might be because:

  • We have reached capacity
  • There is an error in pricing or description
  • We have unexpected limits on our resources
  • We determine that we cannot provide the service you require

4.3 Your Booking reference number. We will assign a booking reference number and notify you of this when we accept your Booking. Please quote this reference when contacting us.

4.4 We operate primarily in the UK. Our Website is for the promotion of our Products and services primarily in the UK, though we may accept customers from overseas.

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5. IMPORTANT DISCLAIMERS

5.1 NOT FINANCIAL OR PROFESSIONAL ADVICE.

THIS IS CRITICALLY IMPORTANT - PLEASE READ CAREFULLY:

5.1.1 We do NOT provide financial advice, investment advice, tax advice, legal advice, accounting advice, mortgage advice or any other form of regulated professional advice.

5.1.2 We are NOT qualified, authorised or regulated to provide such advice.

5.1.3 All information, content, opinions, strategies, techniques, and recommendations we provide (whether in Mentoring Programmes, Coaching Sessions, Courses, Seminars, Digital Content, social media posts, YouTube videos, website content, emails, or any other medium) represent ONLY our personal opinions, experiences, and views based on our own property investing journey.

5.1.4 Our content is for general educational and entertainment purposes only.

5.1.5 Nothing we say or provide constitutes a recommendation that you should make any particular investment, purchase any property, or take any specific action.

5.1.6 We do NOT guarantee or warrant any results, outcomes, profits, or success from following any information, strategies or techniques we discuss.

5.2 YOUR RESPONSIBILITY FOR YOUR OWN DECISIONS.

5.2.1 You are solely and exclusively responsible for your own investment decisions, property purchases, financial decisions, and business decisions.

5.2.2 You must conduct your own thorough due diligence before making any property investment or financial decision.

5.2.3 You must obtain independent professional advice from appropriately qualified and regulated advisors before making any investment decision, including but not limited to:

  • Independent Financial Advisors (FCA regulated)
  • Solicitors and conveyancers
  • Accountants
  • Tax advisors
  • Mortgage brokers (FCA regulated)
  • Surveyors
  • Structural engineers
  • Any other relevant professionals

5.2.4 You must verify all information independently and must not rely solely on information we provide.

5.3 PROPERTY INVESTMENT RISKS.

5.3.1 Property investment carries significant financial risks. Property values can go down as well as up. You may lose money. You may lose your entire investment. You may lose more than your investment if you use borrowed money.

5.3.2 Past performance (whether ours or anyone else's) is not indicative of future results.

5.3.3 Any financial figures, results, case studies or examples we mention are illustrative only and should never be taken as typical, expected, or guaranteed outcomes.

5.3.4 Your results will depend entirely on your own circumstances, efforts, market conditions, timing, capital, skills, experience, risk tolerance, and numerous other factors beyond our control.

5.3.5 Property investment involves significant risks including but not limited to: market value fluctuations, interest rate changes, inability to find tenants or buyers, problem tenants, void periods, maintenance costs, unexpected repairs, legal compliance costs, changes in tax rules, changes in mortgage regulations, changes in planning regulations, changes in building regulations, economic recession, and total loss of investment.

5.4 CHANGES IN LAW AND REGULATIONS.

5.4.1 Property law, planning regulations, building regulations, tax rules, mortgage regulations, landlord licensing requirements, energy efficiency requirements (EPC), and all other relevant laws and regulations change frequently and without notice.

5.4.2 Information we provide may become outdated, inaccurate, incomplete, or superseded due to changes in law, regulations, market conditions, or other factors.

5.4.3 We do NOT guarantee that any information we provide is current, complete, or accurate at the time you receive it or at any future time.

5.4.4 It is YOUR responsibility to verify that all information remains current and to ensure you comply with all current laws and regulations.

5.4.5 We shall have NO liability whatsoever for any losses, damages, penalties, fines, or consequences you suffer as a result of:

  • Changes in laws or regulations
  • Your reliance on outdated information
  • Your failure to verify current legal or regulatory requirements
  • Your failure to comply with applicable laws or regulations
  • Changes in planning rules, building regulations, tax rules, or any other regulations
  • Any other circumstances beyond our control

5.5 NO WARRANTIES OR GUARANTEES (EXCEPT WHERE SUCCESS GUARANTEE EXPLICITLY APPLIES).

5.5.1 Except where you have purchased a Mentoring Programme that explicitly includes our Success Guarantee (as detailed in clause 22), we provide our Mentoring Programmes, Coaching Sessions, Products and all content on an "as is" basis.

5.5.2 Except as explicitly stated in our Success Guarantee (where applicable), we make NO warranties or guarantees of any kind (express or implied) regarding:

  • Results, profits, or financial outcomes
  • Finding profitable property deals
  • Successfully completing property transactions
  • The accuracy, completeness or currency of any information
  • The suitability of any strategy or technique for your circumstances
  • The availability or performance of any market or investment opportunity
  • Any other matter whatsoever

5.6 OPINIONS OF MENTORS AND CONSULTANTS.

5.6.1 Any opinions, views, strategies, or recommendations expressed by us, our mentors, consultants, guest speakers or any other individuals involved in delivering our services are entirely personal opinions.

5.6.2 Such opinions do not constitute advice.

5.6.3 We are not responsible for ensuring the accuracy or currency of any opinions, statements, or recommendations made.

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6. EXCLUDED SERVICES AND THIRD-PARTY RECOMMENDATIONS

6.1 Service Provider Recommendations.

6.1.1 From time to time, we may mention, refer to, recommend, or provide a list of third-party service providers such as:

  • Builders, contractors and tradespeople
  • Solicitors and conveyancers
  • Mortgage brokers
  • Accountants and tax advisors
  • Surveyors and valuers
  • Estate agents
  • Property sourcers and deal packagers
  • Lettings agents
  • Insurance brokers
  • Financial advisors
  • Architects and planning consultants
  • Project managers
  • Any other property-related service providers

6.1.2 Any such mentions or recommendations are provided as a courtesy only and for your convenience.

6.2 NO LIABILITY FOR THIRD-PARTY SERVICES.

6.2.1 We do NOT:

  • Guarantee the quality, competence, reliability, suitability, or honesty of any third-party service provider
  • Verify qualifications, registrations, licenses, insurance coverage, or credentials of any service provider
  • Monitor the ongoing performance of any service provider
  • Conduct background checks or due diligence on service providers
  • Accept any liability for any work performed, advice given, or services provided by any third party
  • Accept any responsibility for any losses, damages, costs, delays, defects, negligence, fraud, or expenses arising from your use of any third-party service

6.2.2 Any contract you enter into with a third-party service provider is entirely between you and that service provider - NOT between you and us.

6.2.3 We are NOT a party to any such contract and have NO obligations or liability under any such contract.

6.3 YOUR RESPONSIBILITY FOR DUE DILIGENCE.

6.3.1 You MUST conduct your own thorough due diligence on any third-party service provider before engaging them, including:

  • Verifying qualifications and credentials
  • Checking registration with appropriate professional bodies (e.g., Law Society, RICS, FCA)
  • Confirming adequate professional indemnity insurance coverage
  • Confirming public liability insurance (for contractors/builders)
  • Obtaining and checking multiple references
  • Comparing quotes from multiple providers
  • Reading online reviews and checking for complaints
  • Verifying current licenses, registrations and authorisations
  • Checking Companies House for company status (if applicable)
  • Obtaining written contracts and terms before work begins

6.3.2 You engage any third-party service provider entirely at your own risk.

6.4 Commissions and Referral Fees.

6.4.1 We may receive commission, referral fees, or other financial benefits from some (but not all) third-party service providers we mention or recommend.

6.4.2 The existence of any such financial arrangement does not affect the independence of your decision-making and you should not interpret any mention as an endorsement or guarantee of quality, competence, or suitability.

6.4.3 You should always conduct your own due diligence regardless of whether we receive any financial benefit from a service provider.

6.5 Release and Waiver.

6.5.1 By placing a Booking or Order with us, or by engaging with our content in any way, you forever and irrevocably waive, release and discharge us (and our directors, officers, employees, agents, contractors, and affiliates) from any and all claims, demands, damages, losses, liabilities, costs, and expenses of any kind arising from or connected with:

  • Your use of any Excluded Services or third-party service providers
  • Any work performed or advice given by any third party
  • Any dispute between you and any third-party service provider
  • Any negligence, breach of contract, fraud, misrepresentation, or wrongdoing by any third party
  • Any defective work, delays, or failures by any third party
  • Any losses arising from your engagement with any third party we have mentioned or recommended

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7. YOUR RIGHTS TO MAKE CHANGES

7.1 Changes to Product Orders. Please contact us immediately if you need to change an Order. We will do our best to accommodate changes but this may not always be possible.

7.2 Rescheduling Coaching Sessions. You may reschedule any Coaching Session or Mentoring Programme session by giving us at least 24 hours' notice before the scheduled time.

7.3 We will try to accommodate changes. We will do all that we reasonably can to accommodate any requested change, but this may not always be possible. For example:

  • Our diary may be fully booked
  • We may not yet have availability for your requested dates
  • The specific programme may no longer be available

7.4 No administration fee for rescheduling. We do not charge an administration fee for rescheduling, provided you give us at least 24 hours' notice.

7.5 Late cancellations or no-shows. If you:

  • Cancel with less than 24 hours' notice; or
  • Fail to attend a scheduled session without prior notice (no-show)

Then that session will be deemed to have taken place and you will NOT be entitled to a rescheduled session or any refund. This is because we have reserved time specifically for you and have lost the opportunity to work with other clients during that time.

7.6 Time limit for using sessions. Unless we agree otherwise in writing, any sessions or Mentoring Programmes must be completed within 12 months of the booking date, after which any unused sessions will expire and you will NOT be entitled to any refund.

7.7 Exception for Unlimited Mentoring Programme. Clause 7.6 does not apply if you have purchased the Unlimited Mentoring Programme, which is governed by the specific terms in clause 23.

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8. OUR RIGHTS TO MAKE CHANGES

8.1 Minor changes. We may make changes to Products, Mentoring Programmes, Coaching Sessions, Courses or Seminars at any time:

  • 8.1.1 To reflect changes in relevant laws and regulations;
  • 8.1.2 To vary the location, venue, format (in-person, online, or telephone), or content;
  • 8.1.3 To improve or update the content or delivery methods;

We will give you notice of such changes as soon as reasonably practicable. If you are a Consumer, you may exercise your right to cancel pursuant to clause 10 if you are not satisfied with the changes.

8.2 Updates to Digital Content. We may update Digital Content from time to time, provided the Digital Content continues to match the general description provided before you purchased it.

8.3 Changes to these Terms. We may update these Terms from time to time. Any changes will apply to Bookings and Orders placed after the date of the change. We will notify you of significant changes by email or by posting a notice on our Website.

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9. PROVIDING THE PRODUCTS AND MENTORING PROGRAMMES

9.1 Delivery costs. There are no separate delivery costs for our Coaching Sessions or Mentoring Programmes. Any delivery costs for physical Products (if applicable) will be communicated to you before you complete your Order.

9.2 When we will provide Products and Mentoring Programmes:

9.2.1 Coaching Sessions and Mentoring Programmes. We will deliver these on the date(s) and time(s) specified in your Booking unless the date is changed in accordance with these Terms.

9.2.2 Digital Content. We will make Digital Content available for download or access as soon as practicable after accepting your Order, usually immediately or within 24 hours.

9.3 Delays outside our control. We will make every effort to deliver Products and Mentoring Programmes as scheduled. However, we will not be liable for any delays caused by Force Majeure Events (see definition in clause 1.7). If our delivery is delayed by a Force Majeure Event:

  • We will contact you as soon as reasonably possible
  • We will take reasonable steps to minimise the delay and reschedule sessions
  • Consumers may contact us to cancel and receive a refund if there is substantial delay (more than 30 days)

9.4 Recording of Sessions.

9.4.1 Coaching Sessions and Mentoring Programme sessions may be recorded by us for quality assurance, training purposes, or to provide you with recordings of the sessions.

9.4.2 By booking a session, you consent to such recording.

9.4.3 We may use excerpts from recordings (with your identifying information removed or blurred) for marketing, training, or educational purposes.

9.4.4 If you do not consent to recording for marketing purposes, you must inform us in writing before the session begins.

9.5 Your recording of sessions. You may record sessions for your own personal use only. You must NOT:

  • Share recordings with any third party
  • Upload recordings to any website or social media platform
  • Use recordings for any commercial purpose
  • Distribute recordings in any way

9.6 If you do not attend. If you fail to attend a scheduled session without giving us at least 24 hours' notice, clause 7.5 will apply and that session will be deemed to have taken place.

9.7 Information we need from you. We may need certain information from you to provide Products or Mentoring Programmes (for example, your property investment goals, current financial position, or access to online platforms). If you do not provide this information when requested:

  • We may not be able to provide the services effectively
  • We may end the contract and clause 12.2 will apply
  • We will not be responsible for delays caused by your failure to provide information

9.8 Reasons we may suspend or cancel sessions. We may need to cancel or reschedule sessions:

  • Due to illness
  • Due to personal emergencies
  • Due to Force Majeure Events
  • Due to technical problems
  • To make updates or improvements
  • To reflect changes in laws or regulations

9.9 Your rights if we cancel sessions.

  • We will reschedule to a mutually convenient date
  • If we cannot reschedule within a reasonable time, Consumers are entitled to a refund for cancelled sessions

9.10 Suspension for non-payment. If you do not pay when required and still do not pay within 7 days of us reminding you:

  • We may suspend or refuse to provide further Coaching Sessions or Mentoring Programme sessions
  • We may charge interest on overdue payments (see clause 17.9)
  • We will NOT provide refunds for any sessions you miss during suspension

9.11 Our Intellectual Property Rights.

9.11.1 All Intellectual Property Rights in all materials we provide (including but not limited to coaching materials, handouts, slides, videos, recordings, templates, guides, social media content, YouTube videos, website content, and Digital Content) are owned by us or licensed to us.

9.11.2 You are NOT authorised to:

  • Copy, reproduce, or duplicate any materials (except for your own personal use)
  • Share, distribute, or sell any materials to third parties
  • Upload materials to file-sharing sites, torrent sites, or social media (except where we explicitly permit sharing)
  • Use materials for any commercial purpose
  • Remove copyright notices or attribution
  • Create derivative works based on our materials

9.11.3 You are granted a personal, non-exclusive, non-transferable license to use materials solely for your own personal property investment education.

9.11.4 Any breach of this clause may result in immediate termination of your access, legal action, and a claim for damages.

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10. YOUR RIGHTS TO END THE CONTRACT

10.1 When you can end the contract. Your rights depend on what you bought, whether there is anything wrong with it, and when you decide to end the contract:

10.1.1 If Products or Mentoring Programmes are faulty or not provided with reasonable care and skill: Consumers - see clause 15. Business Customers - see clause 16.

10.1.2 If you want to end because of something we've done: See clause 10.2.

10.1.3 If you're a Consumer who has changed your mind: See clause 10.3. You may get a refund if within the 14-day cooling-off period, subject to deductions.

10.1.4 In all other cases: See clause 10.7.

10.2 Ending because of something we've done. If you are ending the contract for one of the following reasons, the contract will end immediately and if you are a Consumer you will be entitled to a refund for any sessions not yet provided:

  • We have told you about a change under clause 8.1 which you do not agree to
  • We have told you about an error in price or description and you do not wish to proceed
  • There is substantial delay (more than 30 days) due to Force Majeure Events
  • We have done something seriously wrong that gives you a legal right to end the contract

If you are a Business Customer, you will only be entitled to a refund where we are in material breach of contract.

10.3 Consumer Right to Change Your Mind (14-Day Cooling-Off Period).

IF YOU ARE A CONSUMER, you have a legal right under the Consumer Contracts Regulations 2013 to change your mind within 14 days for most purchases made online or by telephone.

10.4 When Consumers do NOT have the right to change their mind:

10.4.1 Digital Content - after you have started to download, stream or access it (unless we did not provide it immediately and you have not yet accessed it)

10.4.2 Mentoring Programmes, Coaching Sessions, Courses or Seminars - once the first session has commenced, even if the 14-day period is still running

10.4.3 Sealed audio/video recordings or sealed software - once unsealed

10.5 How long do Consumers have to change their mind?

10.5.1 Mentoring Programmes, Coaching Sessions, Courses, Seminars: You have 14 days after we email confirmation of your Booking. However, once the first session has commenced, you cannot change your mind even if within 14 days. If you cancel after the first session has commenced, you must pay us for sessions provided up until the time you tell us you have changed your mind.

10.5.2 Digital Content: You have 14 days after we email confirmation, OR until you start downloading/accessing, whichever is earlier. If we provided immediate access and you agreed to this, you have no right to change your mind.

10.6 How to exercise your Consumer right to change your mind: Follow the cancellation procedure in clause 11.

10.7 Cancelling where we are not at fault and you are not a Consumer with cooling-off rights.

10.7.1 If we are not at fault and:

  • You are NOT a Consumer with cooling-off rights under clause 10.3, OR
  • You are a Consumer but outside the 14-day cooling-off period, OR
  • You have already started the Mentoring Programme/accessed Digital Content

THEN you will NOT be entitled to any refund of your Deposit or any other amounts paid.

10.8 NO REFUNDS AFTER 14 DAYS (EXCEPT WHERE SUCCESS GUARANTEE APPLIES).

10.8.1 Subject to your legal rights as a Consumer under clauses 10.3-10.6, and subject to clauses 15 and 16 regarding faulty services, and subject to the Success Guarantee (where applicable - see clause 22):

THERE ARE NO REFUNDS AFTER 14 DAYS FROM YOUR PURCHASE DATE FOR ANY REASON, INCLUDING BUT NOT LIMITED TO:

  • Change of mind
  • Change in personal circumstances
  • Change in financial circumstances
  • Dissatisfaction with content or coaching
  • Failure to attend sessions
  • Failure to achieve desired results
  • Not finding profitable property deals
  • Inability to secure property finance
  • Changes in property market conditions
  • Changes in laws, regulations, planning rules, tax rules, or mortgage regulations
  • Any other reason whatsoever

10.8.2 Where the Success Guarantee applies (clause 22), your remedy is the continuation of coaching as specified in the Success Guarantee terms, NOT a refund.

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11. HOW TO END THE CONTRACT WITH US

11.1 Tell us you want to end the contract. To end the contract:

11.1.1 Phone: 01438 900025

11.1.2 Email: contact@ahmed-khan.com

11.1.3 Post: Complete the cancellation form below and send to: thatahmedkhan Limited, 11 Whitney Drive, Stevenage, SG1 4BE

Please provide: your name, address, Order/Booking details, phone number and email address.

CANCELLATION FORM

To: thatahmedkhan Limited, 11 Whitney Drive, Stevenage, SG1 4BE

I/We* hereby give notice that I/We* cancel my/our* contract for:

[Description of Product/Service]:

Ordered on / received on*:

Name:

Address:

Postcode:

Email:

Phone:

Signature (if sent on paper):

Date:

  • Delete as appropriate

11.2 How we refund you. Where you are entitled to a refund under these Terms, we will refund by the same payment method you used, subject to deductions described below.

11.3 Deductions from refunds for Consumers exercising cooling-off rights:

11.3.1 For Mentoring Programmes or Coaching Sessions that have partially commenced, we may deduct a proportionate amount for sessions already provided. The deduction will be calculated as: (Number of sessions provided ÷ Total number of sessions purchased) × Total price paid.

11.3.2 For Digital Content that you have accessed, we may reduce your refund to reflect the value you have received.

11.4 When refunds will be made:

11.4.1 Within 14 days of you telling us you're cancelling or us confirming you're entitled to a refund, whichever is later.

11.4.2 We will process the refund to the original payment method used.

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12. OUR RIGHTS TO END THE CONTRACT

12.1 We may end the contract if you break it. We may end the contract immediately by writing to you if:

12.1.1 You do not pay when due and still do not pay within 7 days of us reminding you;

12.1.2 You do not provide information we need within a reasonable time;

12.1.3 You breach any material term of these Terms;

12.1.4 You engage in abusive, threatening, harassing, or inappropriate behavior toward us or our staff;

12.1.5 You share, distribute, or commercially exploit our proprietary materials in breach of clause 9.11;

12.1.6 You make false or fraudulent representations about your circumstances, financial position, or intentions;

12.1.7 Where you have purchased the Unlimited Mentoring Programme, you fail to comply with the requirements in clause 23.

12.2 Compensation if you break the contract. If we end the contract under clause 12.1:

  • We will refund money paid for sessions not yet provided
  • BUT we may deduct reasonable compensation for our costs, including the value of sessions already provided, administration costs, and lost opportunity to sell your place to someone else
  • The minimum deduction will be the Deposit of £500
  • We may also charge interest on overdue payments

12.3 We may withdraw Products or services. We may stop providing certain Products or Mentoring Programmes permanently. We will give you at least 14 days' notice and will refund any advance payments for services not yet provided.

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13. FAILURE TO ATTEND

13.1 No refund for non-attendance. If you fail to attend all or part of any Mentoring Programme, Coaching Session, Course or Seminar for ANY reason (including but not limited to illness, transport problems, personal emergencies, change of mind, work commitments, or any other reason), and you have not given us at least 24 hours' notice to reschedule, we will NOT provide any refund of your Deposit or any other amounts paid.

13.2 Reasons for no refund. This is because:

  • We have reserved time specifically for you
  • We have lost the opportunity to work with other clients during that time
  • We have already incurred costs in preparing for the session
  • Your place could have been sold to another customer

13.3 Sessions count as used. If you fail to attend without giving 24 hours' notice, that session will count as one of your purchased sessions and will be deemed to have taken place.

13.4 No reduction for partial attendance. If you book a multi-session programme and fail to attend some sessions (without giving 24 hours' notice), the price will NOT be reduced and NO refund will be provided for missed sessions.

13.5 Fair and reasonable. You acknowledge that this clause is fair and reasonable and does not work harshly on you, particularly given that you can reschedule with 24 hours' notice without any fee.

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14. IF THERE IS A PROBLEM

14.1 How to tell us. If you have questions or complaints, contact us:

14.2 We will try to resolve complaints. We will acknowledge your complaint within 2 working days and will do our best to resolve it as quickly as possible.

14.3 Summary of Consumer legal rights. If you are a Consumer, we are under a legal duty to supply services that conform with this contract. See the box below for a summary of your key legal rights under the Consumer Rights Act 2015. Nothing in these Terms affects your legal rights.

SUMMARY OF CONSUMER LEGAL RIGHTS

Services (e.g. Mentoring Programmes and Coaching Sessions):

  • Must be carried out with reasonable care and skill
  • Can ask us to repeat or fix if not carried out with reasonable care and skill
  • Can get some money back if we can't fix it
  • If no price agreed upfront: Must be reasonable
  • If no time agreed upfront: Must be within reasonable time

Digital Content:

  • Must be as described, fit for purpose, and of satisfactory quality
  • If faulty: Entitled to repair or replacement
  • If can't be fixed: Some or all money back
  • If damages your device: May be entitled to repair or compensation

For detailed information: www.citizensadvice.org.uk or call 0345 404 0506

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15. CONSUMER RIGHTS FOR DEFECTIVE SERVICES

15.1 Our duty to provide services with reasonable care and skill. If you are a Consumer, we are required by law to provide our Mentoring Programmes and Coaching Sessions with reasonable care and skill.

15.2 What "reasonable care and skill" means. This means we will:

  • Conduct sessions in a professional manner
  • Provide coaching based on our genuine experience and knowledge
  • Make reasonable efforts to deliver sessions as scheduled
  • Treat you with respect and professionalism

15.3 What "reasonable care and skill" does NOT mean. It does NOT mean that:

  • We guarantee any results or outcomes
  • We guarantee you will find profitable property deals
  • We guarantee you will make money
  • Information provided will always be current or accurate
  • Any strategies we discuss will work in your specific circumstances
  • We will be aware of all changes in laws or regulations at all times

15.4 Your remedy if services are defective. If you believe we have not provided services with reasonable care and skill:

  • Contact us within a reasonable time (ideally within 14 days)
  • Explain what the problem is
  • We will investigate and if we agree there was a failure, we will either:
    • Re-provide the relevant session(s) at no additional cost; or
    • Provide a partial refund proportionate to the deficiency

15.5 Your Consumer Rights Act 2015 rights. Your statutory rights under the Consumer Rights Act 2015 are not affected by these Terms. For more information, see clause 14.3.

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16. BUSINESS CUSTOMER RIGHTS FOR DEFECTIVE SERVICES

16.1 Standard of services for Business Customers. If you are a Business Customer, we will provide services with reasonable care and skill, subject to the same limitations and disclaimers set out in clause 5.

16.2 Your remedy. If services are not provided with reasonable care and skill, and you notify us in writing within 14 days, we will (at our option) either re-provide the relevant session(s) or provide a proportionate refund.

16.3 Exclusion of other warranties. Except as provided in this clause 16, all warranties, conditions and terms (whether express or implied by statute, common law or otherwise) are excluded to the fullest extent permitted by law.

16.4 No liability for outcomes. We have no liability whatsoever for your investment outcomes, results, or any losses you suffer from your property investments.

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17. PRICE AND PAYMENT

17.1 Where to find prices. Contact us or check our Website for current prices. Prices may change at any time but will not affect confirmed Orders or Bookings. VAT will be added where applicable if the company at that time is VAT registered.

17.2 VAT changes. If the VAT rate changes between your Order date and delivery/performance date, we will adjust the VAT you pay (unless you've already paid in full before the VAT change).

17.3 Deposit. Before confirming your Booking, you must pay the Deposit of £500 (or such other amount as communicated to you). We cannot accept a Booking without receiving the Deposit. The Deposit is non-refundable except as provided in these Terms and covers our administration costs and the opportunity cost of reserving your place.

17.4 When balance is due. The full balance must be paid:

  • 17.4.1 At the time of booking; or
  • 17.4.2 By a date we agree with you (which will be communicated at the time of booking); or
  • 17.4.3 Before the first session (whichever we agree with you)

17.5 Price errors. Despite our best efforts, prices may occasionally be incorrect. We will normally check before accepting your Order. If the correct price is:

  • Lower than stated: We'll charge the lower price
  • Higher than stated: We'll contact you for instructions before accepting

If we accept an Order where a pricing error is obvious and unmistakeable and you could reasonably have recognised it as an error, we may end the contract, refund all payments, and require return of any Products.

17.6 Payment methods. We accept payment by all major debit and credit cards including Visa, Mastercard, and American Express.

17.7 Set-off (Business Customers only). If you are a Business Customer, you must pay all amounts due in full without any set-off, counterclaim, deduction or withholding (except tax deductions required by law).

17.8 Successful payment required. Your Booking is not confirmed until payment has been successfully processed. We are not responsible for any delays caused by payment processing failures or declined cards.

17.9 Interest on late payment. If you do not pay when due, we may charge interest at 4% per year above Barclays Bank PLC base lending rate from time to time. Interest accrues daily from the due date until actual payment (before or after judgment). You must pay interest together with the overdue amount.

17.10 Disputed invoices. If you think an invoice is wrong, contact us promptly. We will not charge interest while the dispute is genuinely being investigated and resolved in good faith. Once resolved, we will charge interest on correctly invoiced sums from the original due date.

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