Terms of Service

TERMS & CONDITIONS

SKYLINECREATE LIMITED

Company Registration Number: 11707796

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

VAT Number: 489505544

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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: Skylinecreate Limited (Company Number 11707796).

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 Skylinecreate Limited, a private limited company registered in England and Wales under company number 11707796. Our registered office is at 11 Whitney Drive, Stevenage, SG1 4BE. Our VAT number is 489505544.

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: Skylinecreate Limited, 11 Whitney Drive, Stevenage, SG1 4BE

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

CANCELLATION FORM

To: Skylinecreate 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. All prices include VAT at the current rate.

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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18. OUR RESPONSIBILITY FOR LOSS OR DAMAGE (CONSUMERS)

18.1 We are responsible for foreseeable loss and damage. If we fail to comply with these Terms, we are responsible for loss or damage that is a foreseeable result of our breach or failure to use reasonable care and skill. Loss is foreseeable if it was obvious it would happen or if we both knew it might happen at the time of contract.

18.2 We do not exclude or limit liability where unlawful. We do not exclude or limit liability for:

  • Death or personal injury caused by our negligence
  • Fraud or fraudulent misrepresentation
  • Breach of your legal rights under Consumer Rights Act 2015
  • Any other liability that cannot be excluded or limited by law

18.3 We are not liable for business losses. We supply Mentoring Programmes and Coaching Sessions for your personal property investment education only. If you use them for commercial, business or resale purposes, we have NO liability for loss of profit, loss of business, business interruption, or loss of business opportunity.

18.4 Liability cap. Subject to clauses 18.2 and 5 (Important Disclaimers), our total liability to you under these Terms shall not exceed the amount you paid for the relevant Mentoring Programme, Coaching Session, Course or Seminar that gave rise to the claim.

18.5 We are not liable for:

  • Your investment decisions or outcomes
  • Any losses from property investments
  • Losses from property deals that don't proceed or fall through
  • Problems with properties you purchase
  • Bad tenants or void periods
  • Maintenance issues or unexpected costs
  • Inability to secure mortgage finance
  • Inability to refinance or sell properties
  • Changes in property values or market conditions
  • Changes in laws, regulations, planning rules, building regulations, EPC requirements, or tax rules
  • Your failure to obtain professional advice from solicitors, surveyors, accountants, or other professionals
  • Your failure to conduct due diligence on properties, areas, or opportunities
  • Your reliance on information that is or becomes inaccurate or outdated
  • Acts or omissions of third-party service providers (builders, solicitors, mortgage brokers, etc.)
  • Delays or failures by third parties
  • Any circumstances described in clause 5 (Important Disclaimers)
  • Any other losses arising from your property investment activities

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19. OUR RESPONSIBILITY FOR LOSS OR DAMAGE (BUSINESS CUSTOMERS)

19.1 Liability we cannot exclude. Nothing in these Terms excludes or limits our liability for:

19.1.1 Death or personal injury caused by our negligence;

19.1.2 Fraud or fraudulent misrepresentation;

19.1.3 Any other liability that cannot be excluded or limited by law.

19.2 Exclusion of implied terms. Except as expressly stated in clause 16.1, all terms implied by statute or common law are excluded to the fullest extent permitted by law.

19.3 Limitation of liability. Subject to clause 19.1 and clause 5 (Important Disclaimers):

19.3.1 We shall NOT be liable (whether in contract, tort including negligence, breach of statutory duty or otherwise) for any loss of profit, loss of business, loss of revenue, loss of anticipated savings, loss of opportunity, loss arising from failed property deals, inability to secure finance, property market changes, or any indirect or consequential loss;

19.3.2 Our total liability for all other losses shall be limited to the total amount paid by you for the relevant Mentoring Programme, Coaching Session, Course or Seminar that gave rise to the claim.

**19.4 We are not liable for:**All matters listed in clause 18.5 apply equally to Business Customers.

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20. FORCE MAJEURE

20.1 No liability for Force Majeure. We will not be liable for any failure to perform or delay in performing our obligations if caused by a Force Majeure Event (see definition in clause 1.7).

20.2 Effect of Force Majeure. If a Force Majeure Event affects our obligations:

  • We will contact you as soon as reasonably possible
  • Our obligations will be suspended for the duration of the Force Majeure Event
  • We will reschedule Coaching Sessions and Mentoring Programme sessions as soon as reasonably possible after the event ends

20.3 Your right to cancel. If you are a Consumer, you may cancel if a Force Majeure Event continues for longer than 30 days and you no longer wish to proceed. See clause 10 for your cancellation rights.

20.4 Recent Force Majeure Events. For clarity, events such as the COVID-19 pandemic, government-imposed lockdowns, and restrictions on in-person meetings constitute Force Majeure Events. During such events, we may need to convert in-person sessions to online sessions, and you agree to accept online delivery as a reasonable alternative.

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21. HOW WE USE YOUR PERSONAL INFORMATION

21.1 How we use your information. We will use your personal information to:

  • Process your Order or Booking
  • Process payment
  • Deliver Mentoring Programmes and Coaching Sessions
  • Communicate with you about your booking and sessions
  • Send you information about similar products and services (if you consented) - you can unsubscribe at any time
  • Improve our services

21.2 Data protection. We process personal data in accordance with our Privacy Policy available at https://www.ahmed-khan.com/privacy. Please read our Privacy Policy for full details of how we collect, use, store and protect your personal data in accordance with UK GDPR and the Data Protection Act 2018.

21.3 Recording of sessions. As stated in clause 9.4, sessions may be recorded. Recordings are stored securely and used in accordance with our Privacy Policy.

21.4 Legal requirements. We will only share your personal information with third parties where required or permitted by law.

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22. SUCCESS GUARANTEE (WHERE EXPLICITLY OFFERED)

22.1 Application of Success Guarantee. This clause 22 ONLY applies if:

  • We explicitly offered you a Success Guarantee at the time you purchased your Mentoring Programme; AND
  • The Success Guarantee was confirmed in writing in your booking confirmation email; AND
  • You purchased a Mentoring Programme that specifically includes the Success Guarantee

If the Success Guarantee does not apply to your purchase, this entire clause 22 does not apply to you.

22.2 Terms of the Success Guarantee. Where the Success Guarantee applies:

IF you attend all scheduled coaching sessions, complete every action step we assign to you, and still haven't secured a profitable property deal within 6 months from the date of your first session, THEN we will continue working with you at no additional charge until you secure a profitable deal.

22.3 Conditions for Success Guarantee eligibility. The Success Guarantee is strictly conditional on ALL of the following:

22.3.1 You attend 100% of all scheduled coaching sessions. Missing even one session will void the Success Guarantee unless the missed session was due to our cancellation.

22.3.2 You give us at least 24 hours' notice if you need to reschedule any session.

22.3.3 You complete EVERY action step, task, and assignment we set for you within the timeframes specified.

22.3.4 You provide evidence of completion of action steps when requested (e.g., proof of property viewings, proof of offers made, copies of correspondence, etc.).

22.3.5 You actively search for property investment opportunities throughout the 6-month period.

22.3.6 You view a minimum of 5 potential investment properties per month and provide evidence of viewings.

22.3.7 You make a minimum of 2 genuine offers to purchase investment properties per month and provide evidence of offers.

22.3.8 You have sufficient capital available or access to mortgage finance to complete a property purchase (we cannot be held responsible if you cannot secure finance or if you do not have capital available).

22.3.9 You respond to our communications within 48 hours.

22.3.10 You do not engage in any behavior that would entitle us to terminate the contract under clause 12.1.

22.3.11 You have followed all guidance and advice we provided during the coaching sessions.

22.4 What the Success Guarantee does NOT cover:

22.4.1 The Success Guarantee does NOT mean we guarantee you will make a profit. "Profitable deal" means a property investment opportunity that, based on reasonable analysis at the time, appears likely to be profitable (e.g., BMV deal, refurbishment opportunity with good potential uplift, property with strong rental yield, etc.). It does NOT mean the deal will definitely make money or that you will definitely proceed with it.

22.4.2 The Success Guarantee does NOT cover situations where:

  • You cannot secure mortgage finance or funding
  • You decide not to proceed with deals we identify as potentially profitable
  • Market conditions change after identifying a deal
  • Deals fall through due to circumstances beyond our control (e.g., seller pulls out, survey reveals major issues, mortgage declined, etc.)
  • You do not meet any of the conditions in clause 22.3

22.4.3 The Success Guarantee does NOT cover any losses, costs, or expenses you incur.

22.5 How the Success Guarantee works after 6 months.

22.5.1 If you meet ALL the conditions in clause 22.3 and have not secured a profitable deal within 6 months, you must notify us in writing within 14 days after the 6-month period ends.

22.5.2 You must provide evidence that you have met all the conditions, including:

  • Proof of property viewings (minimum 5 per month for 6 months = 30 total)
  • Proof of offers made (minimum 2 per month for 6 months = 12 total)
  • Proof of completion of all action steps we assigned

22.5.3 We will review your evidence within 14 days and determine (at our sole discretion acting reasonably) whether you have met the conditions.

22.5.4 If we determine you have met the conditions, we will continue to provide coaching sessions at no additional charge on the following basis:

  • Sessions will be scheduled at mutually convenient times
  • Sessions will continue until you secure a profitable deal (as defined in clause 22.4.1)
  • You must continue to meet the ongoing requirements (viewing properties, making offers, completing action steps)
  • There is no time limit on the extended coaching period
  • No additional charges will be made for our coaching time

22.5.5 If we determine you have NOT met the conditions, the Success Guarantee will not apply and we will notify you of this with reasons.

22.6 Success Guarantee is instead of a refund. Where the Success Guarantee applies, your remedy is the continuation of free coaching as specified above. You are NOT entitled to any refund under the Success Guarantee. The Success Guarantee is offered instead of a refund, not in addition to a refund.

22.7 Consumer statutory rights unaffected. Your statutory rights as a Consumer under the Consumer Rights Act 2015 are not affected by this Success Guarantee. The Success Guarantee is in addition to (not instead of) your statutory rights.

22.8 Discretion and good faith. We will exercise our discretion under this clause 22 reasonably and in good faith. However, our determination of whether you have met the conditions is final, and you acknowledge that assessing compliance with subjective requirements (such as "completing action steps" and "actively searching") involves an element of judgment.

22.9 Termination of Success Guarantee. We may terminate the Success Guarantee and cease providing further free coaching if:

  • You fail to meet the ongoing requirements (viewing properties, making offers, attending sessions)
  • You engage in behavior that would entitle us to terminate under clause 12.1
  • It becomes clear that you are not genuinely seeking to purchase a property investment
  • You have sufficient capital/finance available but repeatedly reject potentially profitable deals without reasonable justification

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23. UNLIMITED MENTORING PROGRAMME (WHERE EXPLICITLY OFFERED)

23.1 Application of Unlimited Mentoring Programme. This clause 23 ONLY applies if:

  • We explicitly offered you the Unlimited Mentoring Programme at the time of purchase; AND
  • The Unlimited Mentoring Programme was confirmed in writing in your booking confirmation email; AND
  • You specifically purchased the Unlimited Mentoring Programme

If you did not purchase the Unlimited Mentoring Programme, this entire clause 23 does not apply to you.

23.2 What the Unlimited Mentoring Programme covers.

23.2.1 The Unlimited Mentoring Programme provides ongoing coaching and mentoring until you complete your first property deal with our guidance and support.

23.2.2 "Complete your first property deal" means:

(a) For Buy-Refurbish-Refinance (BRR) strategies:

  • You purchase a property
  • You complete the refurbishment works
  • You successfully refinance the property
  • The Programme ends on the date the refinance completes

(b) For Buy-and-Flip strategies:

  • You purchase a property
  • You complete any necessary works
  • You sell the property
  • The Programme ends on the date of completion of the sale

(c) For Buy-and-Hold strategies:

  • You purchase a property
  • If you decide NOT to refinance or sell the property within 12 months of purchase, the Programme will end 12 months after the purchase completes
  • Alternatively, you may request to pause the Programme until you decide to refinance or sell, at which point the Programme will resume and continue until refinance/sale completes

23.3 Scope of the Unlimited Mentoring Programme.

23.3.1 Once you have purchased a property (your "First Property"), all remaining coaching and mentoring sessions will focus exclusively on that First Property.

23.3.2 The Programme does NOT cover:

  • Other property projects or deals (only the First Property)
  • Multiple simultaneous projects
  • Properties purchased without our prior guidance as part of the Programme
  • Properties you already owned before purchasing the Programme

23.3.3 "Unlimited" refers to time (not number of properties). The Programme continues until the First Property is completed as defined in clause 23.2.2, regardless of how long that takes.

23.4 Session frequency and scheduling.

23.4.1 Sessions will be scheduled at mutually convenient times, taking into account both our availability and yours.

23.4.2 Typical frequency is one session every 1-4 weeks, depending on the stage of your project and what tasks need to be completed.

23.4.3 You cannot demand daily or excessive session frequency. We will agree on a reasonable schedule based on what is required for your project.

23.4.4 You must give us at least 24 hours' notice to reschedule sessions (as per clause 7.2).

23.5 Your obligations under the Unlimited Mentoring Programme.

23.5.1 You must:

  • Attend all scheduled sessions
  • Complete action steps and tasks we assign within reasonable timeframes
  • Keep us updated on progress with your First Property
  • Respond to our communications within 48 hours
  • Provide evidence of progress when requested
  • Act on the guidance we provide
  • Make genuine efforts to progress your First Property

23.5.2 If you fail to meet these obligations, we may:

  • Pause the Programme until you catch up with outstanding tasks
  • Reduce session frequency
  • Terminate the Programme in accordance with clause 12.1

23.6 Programme pauses.

23.6.1 You may request to pause the Programme if:

  • You are awaiting mortgage approval or other finance (maximum pause: 3 months)
  • You are awaiting planning permission (maximum pause: 6 months)
  • You are awaiting completion of purchase (maximum pause: 3 months)
  • You have bought and are holding the property and not planning to refinance or sell in the foreseeable future (pause until you decide to refinance/sell)
  • You have significant personal circumstances requiring a pause (e.g., serious illness, bereavement) (maximum pause: 6 months)

23.6.2 You must request pauses in writing and we must agree to them.

23.6.3 We may pause the Programme if you:

  • Fail to respond to communications for 30 days
  • Fail to complete assigned action steps for 60 days
  • Fail to make progress on your First Property for 90 days without reasonable explanation

23.6.4 Either party may request to resume a paused Programme by giving 7 days' written notice.

23.7 Programme termination.

23.7.1 The Programme automatically terminates when:

  • Your First Property is completed as defined in clause 23.2.2
  • OR 12 months after purchase of a buy-and-hold property (unless paused/resumed for refinance or sale)
  • OR we terminate under clause 12.1

23.7.2 We may terminate the Programme if:

  • You breach any material term of these Terms
  • You engage in behavior described in clause 12.1
  • It becomes clear you are not genuinely pursuing the First Property
  • You exceed 3 pauses totaling more than 12 months
  • You fail to engage with the Programme for more than 6 months without reasonable explanation
  • You purchase other properties during the Programme without our agreement (as the Programme is focused on the First Property only)

23.8 What happens when the Programme ends.

23.8.1 Once the Programme ends (either by completion or termination):

  • No further coaching sessions are included
  • No refund is provided (as you received the agreed coaching until completion of the First Property or until termination for breach)
  • You may purchase additional coaching if you wish to continue

23.8.2 If the Programme is terminated due to your breach of these Terms:

  • No refund will be provided
  • We may deduct reasonable costs as per clause 12.2

23.9 No guarantees of outcomes.

23.9.1 The Unlimited Mentoring Programme guarantees unlimited time until completion of your First Property (subject to your compliance with these Terms).

23.9.2 It does NOT guarantee:

  • That your First Property will be profitable
  • That you will successfully complete a refinance
  • That you will successfully sell the property
  • That you will find a property to purchase
  • That you will secure mortgage finance
  • Any specific financial outcomes
  • That deals won't fall through
  • That you won't encounter problems

23.9.3 All disclaimers in clause 5 apply fully to the Unlimited Mentoring Programme.

23.10 Pricing and refunds.

23.10.1 The Unlimited Mentoring Programme is charged at a one-time fixed fee (as agreed at the time of purchase).

23.10.2 No refunds are provided after 14 days (subject to your Consumer Rights as per clause 10).

23.10.3 The Programme represents potentially significant value if your First Property takes a long time to complete, but you acknowledge that:

  • We are committing to support you until completion regardless of duration
  • The price reflects this open-ended commitment
  • You cannot claim a refund if your project completes quickly

23.11 Consumer statutory rights unaffected. Your statutory rights as a Consumer under the Consumer Rights Act 2015 are not affected by the Unlimited Mentoring Programme terms. These special terms are in addition to (not instead of) your statutory rights.

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24. OTHER IMPORTANT TERMS

24.1 Transfer of our rights. We may transfer our rights and obligations under these Terms to another organization. We will notify you in writing if this happens. Your rights under these Terms will not be affected.

24.2 Transfer of your rights. You may only transfer your rights or obligations under these Terms to another person if we agree in writing. Coaching and mentoring is personal to you and cannot be transferred to someone else.

24.3 No third-party rights. This contract is between you and us. No other person has any right to enforce any term of this contract under the Contracts (Rights of Third Parties) Act 1999.

24.4 Severability. Each paragraph of these Terms operates separately. If any court or authority decides that any paragraph is unlawful or unenforceable, the remaining paragraphs will remain in full force and effect.

24.5 Waiver. If we fail to insist that you perform any obligation, or if we delay enforcing our rights, this does not mean we have waived our rights. We can still require performance and enforce our rights later. Any waiver must be in writing and signed by us.

24.6 Entire agreement (Business Customers). If you are a Business Customer, these Terms (together with our Disclaimer) constitute the entire agreement and supersede all previous agreements, representations, and understandings between us.

24.7 Complaints and Alternative Dispute Resolution. We are committed to resolving complaints fairly and quickly. If you have a complaint:

  • First, contact us using the details in clause 14.1
  • We will acknowledge within 2 working days
  • We will investigate and respond within 14 days
  • If you are not satisfied with our response, you may escalate to a senior member of our team
  • If still unresolved, Consumers may use an Alternative Dispute Resolution (ADR) provider - we will provide details if requested

24.8 Governing law and jurisdiction (Consumers). If you are a Consumer:

These Terms are governed by English law. You can bring legal proceedings in the English courts. If you live in Scotland, you can bring proceedings in either Scottish or English courts. If you live in Northern Ireland, you can bring proceedings in either Northern Irish or English courts.

24.9 Governing law and jurisdiction (Business Customers). If you are a Business Customer:

These Terms and any disputes arising from them (including non-contractual disputes) are governed by English law. The English courts have exclusive jurisdiction.

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DISCLAIMER

GENERAL DISCLAIMER

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READ THIS CAREFULLY - THIS DISCLAIMER IS LEGALLY BINDING AND APPLIES TO ALL CONTENT WE PROVIDE IN ANY FORMAT

By using our website, social media channels, watching our videos, reading our posts, purchasing our products or services, or engaging with us in any way, you agree to this Disclaimer.

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1. NOT PROFESSIONAL ADVICE

1.1 The information provided throughout our website (www.ahmed-khan.com), social media channels (including YouTube, Instagram, Facebook, Twitter, TikTok, LinkedIn, and any other platforms), services, products, mentoring programmes, coaching sessions, courses, seminars, emails, newsletters, and any other content or communications (collectively "Our Content") is NOT and can NEVER be intended as:

  • Financial advice
  • Investment advice
  • Tax advice
  • Legal advice
  • Accounting advice
  • Mortgage advice
  • Planning advice
  • Architectural advice
  • Surveying advice
  • Or any other form of regulated professional advice

1.2 We are NOT qualified, authorised, licensed or regulated to provide any such professional advice.

1.3 We are NOT authorised or regulated by the Financial Conduct Authority (FCA), the Solicitors Regulation Authority (SRA), the Royal Institution of Chartered Surveyors (RICS), or any other financial, legal, or professional regulatory body.

1.4 We do NOT hold ourselves out as having any professional qualifications in finance, law, accounting, tax, surveying, architecture, planning, or any related field.

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2. GENERAL INFORMATION AND PERSONAL OPINIONS ONLY

2.1 All information provided is:

  • General information about property investing in the UK only
  • Our personal opinions based on our own experiences
  • Based on our own property investing journey (including our successes and failures)
  • For educational and entertainment purposes only
  • NOT tailored to your specific circumstances
  • NOT a substitute for professional advice

2.2 All comments, opinions, strategies, techniques, recommendations, tips, guidance, and suggestions are of a general nature only and represent our personal views.

2.3 Any information provided does NOT and cannot take into account:

  • Your particular financial situation
  • Your investment objectives
  • Your risk tolerance
  • Your property investment experience or needs
  • Your personal circumstances
  • Your tax position
  • Your mortgage eligibility
  • Your capital available
  • Your local area or market
  • Any other factors specific to you

2.4 We have NO knowledge of your personal circumstances, financial situation, or suitability for property investment, and therefore CANNOT and DO NOT provide advice specific to you.

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3. PROPERTY INVESTMENT RISKS

3.1 PROPERTY INVESTMENT IS HIGH RISK. Property investments and property prices can and do go down as well as up. Property is a risky method of investment that is not suitable for everyone.

3.2 YOU MAY LOSE MONEY. You may lose money. You may lose your entire investment. You may lose more than your initial investment if you borrow money to invest (e.g., through mortgages or bridging loans).

3.3 NO GUARANTEES. There are absolutely no guarantees in property investment. Past performance (ours or anyone else's) is NOT indicative of future results. What worked for us or others in the past may not work for you now or in the future.

3.4 Property investment involves significant risks including but not limited to:

  • Market value fluctuations and property price crashes
  • Interest rate increases making mortgages unaffordable
  • Inability to find tenants (void periods)
  • Problem tenants, rent arrears, and eviction costs
  • Rental prices decreasing
  • Properties not achieving expected rental yields
  • Maintenance and repair costs (often unexpected and substantial)
  • Legal and regulatory compliance costs
  • Licensing requirements and costs
  • Changes in tax rules (e.g., Section 24, Capital Gains Tax, Stamp Duty)
  • Changes in mortgage regulations (e.g., stress testing, affordability criteria)
  • Changes in planning rules and permitted development rights
  • Changes in building regulations
  • Energy Performance Certificate (EPC) requirements and upgrade costs
  • Selective licensing requirements
  • HMO licensing requirements and costs
  • Fire safety regulations and costs
  • Damp, subsidence, and structural issues
  • Japanese knotweed and other environmental issues
  • Surveys revealing major problems
  • Deals falling through
  • Refurbishment costs exceeding budget
  • Refurbishment projects overrunning on time
  • Planning permission being refused
  • Building control issues
  • Bad builders and contractors
  • Disputes with neighbors
  • Inability to refinance properties
  • Inability to sell properties
  • Properties taking years to sell
  • Being unable to secure mortgage finance
  • Bridging loans becoming unaffordable
  • Economic recession
  • Housing market crashes
  • Total loss of investment
  • Bankruptcy

3.5 This is not an exhaustive list. Many other risks exist.

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4. NO GUARANTEES OR WARRANTIES

4.1 ABSOLUTELY NO GUARANTEES. We make absolutely NO guarantees, warranties or promises (express or implied) about ANYTHING, including but not limited to:

  • Results, profits, income, or financial outcomes
  • Finding property deals
  • Finding profitable property deals
  • Securing "Below Market Value" (BMV) deals
  • Property value increases
  • Rental income or yields
  • Capital appreciation
  • Successfully completing property purchases
  • Successfully refinancing properties
  • Successfully selling properties
  • Deals not falling through
  • The success of any investment or strategy
  • The accuracy, completeness, or currency of any information
  • The suitability of any strategy for your circumstances
  • The availability of mortgage finance
  • Your ability to secure mortgage finance
  • Interest rates remaining affordable
  • Property market conditions
  • Anything else whatsoever

4.2 NO TYPICAL RESULTS. Any financial figures, results, case studies, testimonials, or examples we mention (including our own results or the results of people we have coached) are:

  • Illustrative examples only
  • NOT typical or average results
  • NOT representative of what most people achieve
  • NOT guarantees of future performance
  • NOT predictions of what you will achieve
  • Possibly exceptional or unusual outcomes
  • Subject to different market conditions than you may face
  • Achieved in different time periods with different circumstances

4.3 MOST PEOPLE GET NO RESULTS. The reality is that most people who consume property investment education content do not take action and implement that education, do not purchase properties, and do not achieve any results.

4.4 YOUR RESULTS DEPEND ON YOU. Your results (if any) will depend entirely on numerous factors including but not limited to:

  • Your skills, experience, and knowledge
  • Your effort, dedication, and persistence
  • Your ability to take action
  • Your ability to overcome obstacles and setbacks
  • Your capital and credit available
  • Your mortgage eligibility
  • Your risk tolerance
  • Your local market conditions
  • Timing and luck
  • Economic conditions
  • Interest rates
  • Property market conditions
  • Government policies and regulations
  • Your ability to find deals
  • Your negotiation skills
  • Your ability to manage properties, projects, and tenants
  • Your decision-making
  • Countless other factors beyond our control

4.5 WE CANNOT PREDICT YOUR RESULTS. We have no way of knowing whether you will achieve any results, positive or negative. Your outcome is entirely up to you and depends on factors we cannot control or predict.

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5. YOUR RESPONSIBILITY

5.1 YOU ARE SOLELY RESPONSIBLE. You alone are solely, completely, and exclusively responsible for:

  • Your own investment decisions
  • Your own property purchases
  • Your own financial decisions
  • All consequences of your decisions and actions
  • Conducting your own thorough due diligence on every property, area, strategy, and opportunity
  • Obtaining independent professional advice

5.2 YOU MUST GET PROFESSIONAL ADVICE. You MUST obtain independent specialist advice before making ANY property investment decision from appropriately qualified and regulated advisors including:

  • Independent Financial Advisors (IFA) - FCA authorised - for overall financial planning and investment suitability
  • Solicitors - SRA regulated - for property purchases, contracts, legal matters
  • Conveyancers - for property transaction legal work
  • Accountants - for tax implications, business structure, accounts
  • Tax specialists - for tax planning, Capital Gains Tax, Inheritance Tax, Income Tax
  • Mortgage brokers - FCA authorised - for mortgage advice and arrangement
  • Surveyors - RICS qualified - for property valuations, structural surveys, building surveys
  • Structural engineers - for structural issues, calculations, and remedial works
  • Architects - ARB registered - for design, planning applications
  • Planning consultants - for planning permission advice
  • Building inspectors/Building Control - for building regulations compliance
  • Damp specialists - for damp surveys and remedial work
  • Asbestos surveyors - for asbestos surveys
  • Environmental consultants - for contaminated land, Japanese knotweed, etc.
  • Insurance brokers - for landlord insurance, building insurance, public liability
  • Lettings agents - for rental valuations, tenant finding, lettings management
  • Estate agents - for sale valuations and property sales
  • Any other relevant professionals for your specific circumstances

5.3 VERIFY PROFESSIONAL CREDENTIALS. You MUST make your own enquiries into:

  • The selection of professional advisors
  • Their qualifications and credentials
  • Their current registrations with professional bodies (e.g., FCA, SRA, RICS, ARB)
  • Their fields of specialism and experience
  • Their professional indemnity insurance
  • Their reputation and reviews
  • Whether they are appropriate for your specific needs

5.4 VERIFY ALL INFORMATION INDEPENDENTLY. You MUST verify all information independently and must NOT rely solely on Our Content. This includes but is not limited to:

  • Property values and comparables
  • Rental values and yields
  • Area research and demographics
  • Crime statistics
  • School catchment areas
  • Planning history and applications
  • Building regulations history
  • Flood risk
  • Contaminated land
  • Environmental issues
  • Title and ownership
  • Boundaries and land registry
  • Restrictive covenants
  • Rights of way
  • Easements
  • Listed building status
  • Conservation area restrictions
  • Article 4 directions
  • Permitted development rights
  • Local authority licensing requirements (HMO, Selective)
  • Council tax banding
  • Energy Performance Certificate (EPC) rating
  • Service charges and ground rent (for leasehold)
  • Lease length and terms (for leasehold)
  • Freeholder identity (for leasehold)
  • Any other relevant information

5.5 DO YOUR OWN DUE DILIGENCE. You must conduct thorough due diligence on:

  • Every property before making an offer or purchasing
  • Every area before investing
  • Every strategy before implementing
  • Every service provider before engaging (including those we mention)
  • Every deal before proceeding
  • Every piece of information before relying on it

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6. CHANGES IN LAW AND REGULATIONS

6.1 LAWS CHANGE FREQUENTLY. Property law, planning regulations, building regulations, tax law, mortgage regulations, landlord licensing, energy efficiency requirements, fire safety regulations, and all other relevant laws and regulations change FREQUENTLY and WITHOUT NOTICE.

6.2 INFORMATION MAY BE OUTDATED. Information we provide may be or become:

  • Outdated (even within weeks or months of us providing it)
  • Inaccurate (due to changes we're unaware of)
  • Incomplete (due to new requirements we're unaware of)
  • Superseded by new laws or regulations
  • No longer applicable in your area (due to local authority variations)
  • Wrong (despite our best efforts)

6.3 EXAMPLES OF RECENT CHANGES (non-exhaustive):

  • Section 24 tax changes affecting mortgage interest relief
  • Changes to Capital Gains Tax rates and allowances
  • Changes to Stamp Duty Land Tax rates and thresholds
  • Selective licensing schemes introduced in many areas
  • Additional HMO licensing requirements
  • Minimum EPC requirements (E rating minimum, moving to C)
  • Electrical safety requirements (5-year testing)
  • Smoke and carbon monoxide alarm requirements
  • Right to Rent checks
  • Tenant Fees Act
  • Renters Reform Bill (ongoing changes)
  • Changes to permitted development rights
  • Changes to planning rules for change of use
  • Fire safety regulations post-Grenfell
  • Building Safety Act
  • Changes to mortgage affordability stress testing
  • Many other changes

6.4 YOU MUST VERIFY CURRENT REQUIREMENTS. It is YOUR responsibility to:

  • Verify that all information remains current before relying on it
  • Check current laws and regulations before taking any action
  • Ensure you comply with all applicable laws and regulations
  • Stay up to date with changes in laws and regulations
  • Consult professionals about current requirements

6.5 WE CANNOT KEEP UP WITH ALL CHANGES. We cannot possibly be aware of all changes in laws, regulations, and requirements at all times. Even if information was accurate when we provided it, it may have changed by the time you receive it or act on it.

6.6 ZERO LIABILITY FOR LEGAL/REGULATORY CHANGES. We shall have ABSOLUTELY NO liability whatsoever for any losses, damages, penalties, fines, prosecution, or consequences you suffer as a result of:

  • Changes in laws or regulations that we were unaware of
  • 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 that affect your property or project
  • Changes in building regulations that affect your property or project
  • Changes in tax rules that affect your financial position
  • Changes in mortgage regulations that affect your ability to borrow
  • New licensing requirements that affect your property or plans
  • New energy efficiency requirements that require costly upgrades
  • Any other legal or regulatory changes of any kind

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7. THIRD-PARTY SERVICE PROVIDERS

7.1 WE MAY MENTION SERVICE PROVIDERS. From time to time, we may mention, refer to, recommend, suggest, or provide lists of third-party service providers such as:

  • Builders, contractors, and tradespeople (plumbers, electricians, plasterers, etc.)
  • Solicitors and conveyancers
  • Mortgage brokers
  • Accountants and tax advisors
  • Surveyors (RICS and non-RICS)
  • Valuers
  • Estate agents
  • Lettings agents
  • Property sourcers, deal packagers, and property finders
  • Insurance brokers
  • Financial advisors
  • Architects
  • Planning consultants
  • Project managers
  • Property investment companies
  • Property training companies
  • Software providers and tools
  • Any other property-related service providers

7.2 MENTIONS ARE COURTESY ONLY. Any such mentions, recommendations, or references are:

  • Provided as a courtesy only
  • For your convenience
  • Based on our personal experience or the experience of others
  • NOT endorsements or guarantees of any kind
  • NOT verification of quality, competence, honesty, or suitability
  • NOT recommendations that you should use them
  • Subject to change (providers may have been good in the past but deteriorated)
  • Based on limited information (we don't know everything about them)

7.3 SOME PROVIDERS PAY US COMMISSION. We may receive commission, referral fees, affiliate payments, or other financial benefits from some (but not all) third-party service providers we mention or recommend.

7.4 COMMISSION DOES NOT MEAN ENDORSEMENT. The existence of any financial arrangement:

  • Does NOT mean we guarantee their quality
  • Does NOT mean we have verified their credentials
  • Does NOT mean they are the best provider for your needs
  • Does NOT mean you should use them
  • Does NOT affect your responsibility to do your own due diligence
  • Should NOT be interpreted as an endorsement

You should compare multiple providers and make your own independent decision.

7.5 WE DO NOT GUARANTEE ANYTHING ABOUT THIRD PARTIES. We do NOT and CANNOT:

  • Guarantee the quality, competence, reliability, suitability, honesty, or integrity of any third-party service provider
  • Verify or check qualifications, registrations, licenses, insurance coverage, or credentials
  • Monitor the ongoing performance of any service provider
  • Conduct background checks, credit checks, or criminal record checks
  • Check references or reviews comprehensively
  • Ensure they are appropriately qualified for your specific needs
  • Ensure they have adequate insurance
  • Ensure they will perform work to a satisfactory standard
  • Ensure they will not overcharge you
  • Ensure they will not cause you losses
  • Accept any liability for their work, advice, or services
  • Accept any responsibility for their acts or omissions
  • Accept any liability for any losses, damages, costs, delays, defects, negligence, fraud, breach of contract, or expenses arising from your use of any third-party service provider

7.6 YOUR CONTRACT IS WITH THEM, NOT US. Any contract you enter into with a third-party service provider is entirely between you and that service provider - NOT between you and us. We are NOT a party to any such contract and have NO obligations or liability under it.

7.7 YOU MUST DO DUE DILIGENCE ON ALL SERVICE PROVIDERS. You MUST conduct your own thorough due diligence on any third-party service provider before engaging them. See clause 5.3 for what this includes.

7.8 ENGAGE THEM AT YOUR OWN RISK. You engage any third-party service provider entirely at your own risk. If they:

  • Do poor quality work
  • Overcharge you
  • Delay your project
  • Cause you losses
  • Breach their contract
  • Act negligently
  • Commit fraud
  • Disappear
  • Go out of business
  • Cause any other problems

Then that is NOT our responsibility and we have ZERO liability to you.

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8. NO EARNINGS GUARANTEES

8.1 NO "GET RICH QUICK" SCHEMES. We do NOT believe in or promote "get rich quick" schemes. Property investment requires:

  • Hard work
  • Dedication
  • Persistence
  • Skills development
  • Significant time
  • Significant capital
  • Taking risks
  • Overcoming obstacles and setbacks
  • Learning from failures
  • Continuous effort

8.2 WE SHARE OUR EXPERIENCE ONLY. We offer only our own knowledge and experience in property investing, including:

  • Strategies that have worked for us
  • Mistakes we have made
  • Problems we have encountered
  • Lessons we have learned
  • Our personal opinions and views

8.3 ZERO GUARANTEES. We do NOT and CANNOT give you ANY guarantees, warranties, or promises (express or implied) about:

  • Getting any results
  • Earning any money or income
  • Making any profits
  • Finding any property deals
  • Finding profitable property deals
  • Finding BMV properties
  • Securing mortgage finance
  • Successfully completing property purchases
  • Successfully completing refurbishments
  • Successfully refinancing properties
  • Successfully selling properties
  • Achieving rental yields
  • Achieving capital growth
  • Covering mortgage costs with rental income
  • Being able to "recycle" capital through refinancing
  • Any success or positive outcome of any kind

8.4 NO PROMISES. Nothing on our website, in our services or products, in our content, in our social media posts, in our videos, or in any other medium constitutes any promise, guarantee, or warranty of:

  • Success
  • Results
  • Income
  • Profits
  • Future earnings
  • Finding profitable property deals
  • Any specific outcome
  • Anything else

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9. TESTIMONIALS AND CASE STUDIES

9.1 TESTIMONIALS ARE REAL BUT NOT TYPICAL. Any testimonials, reviews, success stories, or case studies we provide:

  • Are from real individuals about their own genuine personal experiences
  • Reflect their individual results only
  • Are NOT "typical" or "average" results
  • Are NOT representative of what most people achieve
  • Are NOT expected results
  • Are NOT guaranteed results
  • Are NOT what you are likely to achieve
  • May be exceptional or unusual outcomes
  • May have been achieved in different market conditions
  • May have been achieved by people with different skills, experience, capital, or circumstances than you
  • Cannot and should NOT be taken as any indication of what you will achieve

9.2 MOST PEOPLE GET NO RESULTS. Results vary significantly between individuals. Many people who consume property education content:

  • Never take any action
  • Never purchase a property
  • Never achieve any results
  • Lose money if they do invest
  • Achieve results far below those shown in testimonials

9.3 YOUR RESULTS ARE YOUR RESPONSIBILITY. Your results (if any) will depend entirely on countless factors including those listed in clause 4.4 above, and are entirely your own responsibility.

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10. YOUR DECISIONS AND ACTIONS

10.1 YOU ARE SOLELY RESPONSIBLE. You alone are 100% responsible and accountable for:

  • Your decisions
  • Your actions
  • Your results
  • Your outcomes
  • All consequences (positive or negative)

10.2 PROPERTY INVESTMENT IS HIGH RISK. There is ALWAYS significant risk in:

  • Property investing
  • Trying something new
  • Investing money (especially borrowed money)
  • Starting a property business
  • Taking on debt (mortgages, bridging loans)
  • Taking on refurbishment projects
  • Becoming a landlord

10.3 COMPLETE RELEASE FROM ALL LIABILITY. By using our website, consuming our content, joining our services or products, or engaging with us in any way, you agree that you will NOT hold us liable for ANY of your decisions, actions, or results.

You release us from ALL liability for ANY losses, damages, costs, expenses, or consequences of ANY kind (whether direct, indirect, punitive, incidental, special, consequential, or any other type) at any time and under any circumstances, including but not limited to:

  • Investment losses
  • Property losses
  • Lost deposits
  • Lost money due to deals falling through
  • Losses due to problem tenants
  • Losses due to void periods
  • Losses due to bad builders or contractors
  • Losses due to refurbishment projects going wrong
  • Losses due to structural problems
  • Losses due to planning permission being refused
  • Losses due to inability to refinance
  • Losses due to inability to sell
  • Losses due to property market crashes
  • Losses due to interest rate rises
  • Losses due to changes in laws or regulations
  • Losses due to your reliance on outdated or inaccurate information
  • Losses due to your failure to get professional advice
  • Losses due to your failure to do due diligence
  • Losses due to third-party service providers
  • Losses due to mortgage brokers, solicitors, builders, or any other professionals
  • Lost time
  • Lost opportunities
  • Stress and anxiety
  • Bankruptcy
  • Repossession
  • Any other losses or damages of any kind

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11. LIMITATION OF LIABILITY

11.1 MAXIMUM LIABILITY. Subject to clause 11.2 below and to the fullest extent permitted by law:

Our total aggregate liability to you for all claims arising from or related to our services, products, content, or anything else shall NOT exceed the amount you paid to us (if anything).

11.2 NO LIABILITY FOR CONSEQUENTIAL LOSSES. We shall NOT be liable for any:

  • Indirect losses
  • Consequential losses
  • Special losses
  • Punitive losses
  • Exemplary damages
  • Loss of profit
  • Loss of income
  • Loss of business
  • Loss of opportunity
  • Loss of anticipated savings
  • Loss of goodwill
  • Any other type of loss beyond direct losses

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12. EXCLUSIONS TO DISCLAIMER

12.1 LIABILITY WE CANNOT EXCLUDE. Nothing in this Disclaimer excludes or limits our liability for:

  • Death or personal injury caused by our negligence
  • Fraud or fraudulent misrepresentation by us
  • Any other liability that cannot be excluded or limited by UK law

12.2 CONSUMER STATUTORY RIGHTS. If you are a consumer (as defined in our Terms & Conditions), your statutory rights under the Consumer Rights Act 2015 are not affected by this Disclaimer.

However, this Disclaimer does not affect those statutory rights - it clarifies the limits of our responsibility and your responsibility, particularly regarding:

  • Information provided (which is opinion, not advice)
  • Investment outcomes (which we do not guarantee)
  • Your responsibility to get professional advice
  • Your responsibility to do due diligence
  • Our lack of liability for your investment decisions and outcomes

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13. SEVERABILITY

13.1 If any provision of this Disclaimer is found to be unenforceable, invalid, or contrary to law, that provision shall be limited or eliminated to the minimum extent necessary so that the remainder of this Disclaimer shall remain in full force and effect and enforceable.

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14. NO ADVICE RELATIONSHIP

14.1 NO ADVISORY RELATIONSHIP. Nothing in our interactions with you creates any advisory relationship, fiduciary relationship, partnership, joint venture, or any other special relationship between us.

14.2 NO RELIANCE. You acknowledge that:

  • You are not relying on us to provide advice
  • You are not relying on us to have up-to-date or accurate information
  • You understand we are sharing personal opinions and experiences only
  • You will obtain independent professional advice before making any investment decisions
  • You will verify all information independently
  • You will conduct your own due diligence
  • You are making your own independent decisions

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15. SOCIAL MEDIA AND FREE CONTENT

15.1 THIS DISCLAIMER APPLIES TO ALL CONTENT. This Disclaimer applies to ALL content we provide in ANY medium, including:

  • Our website (www.ahmed-khan.com)
  • YouTube videos
  • Instagram posts and stories
  • Facebook posts
  • TikTok videos
  • Twitter/X posts
  • LinkedIn posts and articles
  • Emails and newsletters
  • Podcasts or audio content
  • Live streams
  • Webinars
  • Free downloads or guides
  • Blog posts
  • Any other content in any other medium

15.2 FREE CONTENT HAS SAME DISCLAIMERS. Even though some content is provided free of charge, all the same disclaimers, limitations, and exclusions apply. You consume all content at your own risk.

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16. ACKNOWLEDGMENT AND ACCEPTANCE

16.1 YOU ACKNOWLEDGE AND AGREE. By:

  • Using our website (www.ahmed-khan.com)
  • Viewing, watching, or consuming our content on any platform (YouTube, Instagram, Facebook, TikTok, LinkedIn, Twitter, etc.)
  • Reading our social media posts
  • Watching our videos
  • Reading our emails or newsletters
  • Purchasing any products or services from us
  • Attending any mentoring programme, coaching session, course, or seminar
  • Engaging with our content in any way whatsoever

You acknowledge that you have read, understood, fully agree to, and accept this Disclaimer and our Terms & Conditions, and you agree to be legally bound by them.

16.2 IF YOU DO NOT AGREE. If you do not agree with this Disclaimer or our Terms & Conditions, you must immediately:

  • Stop using our website
  • Stop consuming our content on all platforms
  • Stop engaging with us in any way
  • Not purchase any products or services from us

16.3 CONTINUED USE MEANS ACCEPTANCE. Your continued use of our website, consumption of our content, or engagement with us in any way after this Disclaimer has been posted constitutes your acceptance of this Disclaimer.

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17. CHANGES TO THIS DISCLAIMER

17.1 WE MAY UPDATE THIS DISCLAIMER. We may update, amend, or change this Disclaimer at any time without notice. Changes will be effective immediately upon posting on our website.

17.2 YOUR RESPONSIBILITY TO CHECK. It is your responsibility to check this Disclaimer periodically for changes. Your continued use of our website or consumption of our content after changes are posted constitutes your acceptance of the updated Disclaimer.

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18. GOVERNING LAW

18.1 This Disclaimer is governed by English law.

18.2 For Consumers: You can bring legal proceedings in the English courts, or if you live in Scotland or Northern Ireland, in your local courts.

18.3 For Business Customers: The English courts have exclusive jurisdiction.

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19. CONTACT US

If you have any questions about this Disclaimer (though please note we cannot provide legal advice about this Disclaimer), you can contact us at:

Skylinecreate Limited11 Whitney DriveStevenageSG1 4BE

Email: contact@ahmed-khan.comPhone: 01438 900025

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20. FINAL STATEMENT

PROPERTY INVESTMENT IS HIGH RISK. YOU MAY LOSE MONEY. PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS. WE MAKE NO GUARANTEES. GET PROFESSIONAL ADVICE. DO YOUR OWN DUE DILIGENCE. YOU ARE SOLELY RESPONSIBLE FOR YOUR OWN DECISIONS AND OUTCOMES.

Skylinecreate Limited

Company Number: 11707796

11Whitney Drive, Stevenage, SG1 4BE

VAT Number: 489505544

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END OF TERMS & CONDITIONS AND DISCLAIMER

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