Last updated September 2024

We are Bottom Line Impact Ltd ('Company', 'we', 'us', or 'our'), a company registered in the United Kingdom at Sturt Cottage, 24 Sturt Road, Haslemere, Surrey GU27 3SD. Our company number is 03317265.

We operate the websites: bottomlineimpact.co.uk, bottomlineimpact.net, nonfinancialmanagers.com, and nonfinancialdirectors.com (the 'Sites'), as well as any other related products and services that refer or link to these legal terms (the 'Legal Terms') (collectively, the 'Services').

Bottom Line Impact is an online platform that markets, sells and delivers finance courses, calculation tools (collectively termed the ‘Financial Power Tools’ and ‘Financial Tools’) and other information and videos concerned with the subject of finance. The use of our Sites, Services and Financial Tools is provided for informational purposes. While we strive to maintain the high quality and accuracy of our Services, you should not construe such information or other material as legal tax, investment, financial or other advice.

These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an legal entity ('you'), and Bottom Line Impact Ltd, concerning your access to and use of the Services. You agree that by accessing the Services, you have read, understood, and agreed to be bound by all of these Legal Terms. If you are accepting this agreement on behalf of someone else (including a legal entity), you must have the authority to bind them to this agreement.

By accepting this agreement and using our Services you agree that we may collect and process your data in accordance with our “Privacy Policy”.

IF YOU DO NOT AGREE WITH ALL OF THESE LEGAL TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST DISCONTINUE USE IMMEDIATELY.

Supplemental terms and conditions or documents that may be posted on the Services from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Legal Terms from time to time. We will alert you about any changes by updating the 'Last updated' date of these Legal Terms, and you waive any right to receive specific notice of each such change. It is your responsibility to periodically review these Legal Terms to stay informed of updates. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Legal Terms by your continued use of the Services after the date such revised Legal Terms are posted.

The Services are intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Services.

We recommend that you print or store a digital copy of these Legal Terms for your records.

The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.

You are responsible for the quality and accuracy of any business and financial information you provide to us or allow us to access (collectively termed ‘Business Information’). You assume sole responsibility for results obtained from the use of the Services by you, and for conclusions drawn from such use.

The use of our Site, Services and Financial Tools is provided for informational purposes. While we strive to maintain the high quality and accuracy of our Services, you should not construe such information or other material as legal, tax, investment, financial or other advice.

Bottom Line Impact is an online platform that markets, sells and delivers finance courses, calculation tools (‘Financial Power Tools and ‘Financial Tools’) and other information and videos concerned with the subject of finance (collectively termed the ‘Services’). Business financial information (‘Business Information’) includes your financial and company data that you provide to us. This information includes but is not limited to Business Information that you: manually input, email to us, import and/or upload, and information on third-party websites and databases that you allow our Services to connect to. More information about how we store and process your Business Information is contained in our Privacy Policy.

The use of our Services including our Financial Power Tools is subject to the following specific terms:

(a) Where access to our Financial Power Tools is made available as a bonus associated with the purchase of one of our courses, this free access is limited to the trial period. Note, this only applies to certain courses (the ‘Participating Courses’).

(b) At the expiration of this free period, unless you choose to subscribe to gain ongoing access to these Services through our ‘opt-in’ email, your access may be withdrawn.

(c) We only save Business Information that you have requested us to save. You are responsible: for the accuracy, the lawful permission and/or license for the data which you manually enter, import and/or connect to for use with our Services.

(d) You are responsible for any Business Information that you manually input, import and/or upload, and information on third-party websites and databases that you allow our Services to connect to. You agree that by providing any Business Information to us for use with our Services that you have permission to do so.

(e) If you do not use our Services for an extended period of time, we may delete your data, financial profiles and templates. In addition we may delete your data, financial profiles and templates at the expiration of a trial period or active subscription. We do this to ensure that we do not hold any of your information for longer than necessary and to comply with any applicable laws and regulations.

(f) We may change the amount of data that you can store or otherwise make available to our Services. We will give you reasonable advance notice of any changes.

(g) We do not accept any liability arising from saving or deletion of your data, financial profiles and templates for use with our Services. You should always maintain back-up copies of your data.

We are the owner of all intellectual property rights of our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the 'Content'), as well as the trademarks, service marks, and logos contained therein (the 'Marks').

Our Content and Marks are protected by copyright and trademark laws (and various other intellectual property rights and unfair competition laws) and treaties in the United Kingdom, United States and around the world.

The Content and Marks are provided in or through the Services 'AS IS' for your internal business purpose only.

Subject to your compliance with these Legal Terms, including the 'PROHIBITED ACTIVITIES' section below, we grant you a non-exclusive, non-transferable, revocable licence to:

(a) access the Services; and

(b) download, stream, or print a copy of any portion of the Content to which you have properly gained access,

(c) use the ‘Financial Tools’ solely for your personal and/or business purposes; including you providing legitimate professional services to third-parties.

(d) Courses and training material are licensed for individual use and must not be shared.

(e) Except as set out in this section or elsewhere in our Legal Terms, no part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

If you wish to make any use of the Services, Content, or Marks other than as set out in this section or elsewhere in our Legal Terms, please address your request to:

info@bottomlineimpact.co.uk.

If we ever grant you the permission to post, reproduce, or publicly display any part of our Services or Content, you must identify us as the owners or licensors of the Services, Content, or Marks and ensure that any copyright or proprietary notice appears or is visible on posting, reproducing, or displaying our Content.

We reserve all rights not expressly granted to you in and to the Services, Content, and Marks.

Any breach of these Intellectual Property Rights will constitute a material breach of our Legal Terms and your right to use our Services may be terminated.

Please review this section and the “PROHIBITED ACTIVITIES” section carefully prior to using our Services to understand the

(a) rights you give us, and

(b) obligations you have when you post or upload any content through the Services.

Submissions: By directly sending us any question, comment, suggestion, idea, feedback, or other information about the Services ('Submissions'), you agree to assign to us all intellectual property rights in such Submission. You agree that we shall own this Submission and be entitled to its unrestricted use and dissemination for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you.

By sending us Submissions through any part of the Services you:

confirm that you have read and agree with our “PROHIBITED ACTIVITIES” and will not post, send, publish, upload, import or transmit through the Services any Submission that is illegal, harassing, hateful, harmful, defamatory, obscene, bullying, abusive, discriminatory, threatening to any person or group, sexually explicit, false, inaccurate, deceitful, or misleading; to the extent permissible by applicable law, waive any and all moral rights to any such Submission.

You warrant that any such Submission are original to you or that you have the necessary rights and licences to submit such Submissions and that you have full authority to grant us the above-mentioned rights in relation to your Submissions; and warrant and represent that your Submissions do not constitute confidential information.

You are solely responsible for your Submissions and you expressly agree to reimburse us for any and all losses that we may suffer because of your breach of:

(a) this section,

(b) any third party's intellectual property rights, or

(c) applicable law.

We treat any Personal and Business Information that you provide or give us permission to access for use with our Services, including our Financial Tools as confidential. You retain full ownership of all of your Personal and Business Information and or other proprietary rights associated with your Business Information. Our use of your data is set out in our “Privacy Policy”.

By using the Services, you represent and warrant that:

(a) all registration information you submit will be true, accurate, current, and complete;

(b) you will maintain the accuracy of such information and promptly update such registration information as necessary;

(c) you have the legal capacity and you agree to comply with these Legal Terms;

(d) you are not a minor in the jurisdiction in which you reside;

(e) you will not access the Services through automated or non-human means, whether through a bot, script or otherwise;

(f) you will not use the Services for any illegal or unauthorised purpose; and

(g) your use of the Services will not violate any applicable law or regulation.

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services (or any portion thereof).

You may be required to register to use the Services. You agree to keep your password confidential and will be responsible for all use of your account and password. We reserve the right to request you to register with an alternative username/email address if, in our sole discretion, such username/email address is inappropriate, obscene, otherwise objectionable, or for other legitimate business purposes.

We use Stripe (stripe.com) as our third-party payment processing provider (‘Payment Processing Provider’). Stripe accepts multiple forms of payment including but not limited to:

- Visa Credit/Debit Card
- Mastercard Credit/Debit Card
- American Express
- PayPal
- Bank Transfer

When purchasing any of our Services through our Payment Processing Provider you may be required to accept their ‘Terms of Service’ for the processing of your payment. The Payment Provider’s Consumer Terms of Service and Privacy Policy are available on stripe.com:

Stripe Consumer Terms of Service: https://stripe.com/legal/consumer

Stripe Privacy Policy: https://stripe.com/privacy

You agree to provide current, complete, and accurate purchase and account information for all purchases made on our Sites. You further agree to promptly update account and payment information, including email address, payment method, and payment card expiration date, so that we can complete your transactions and contact you as needed. VAT (UK Value Added Tax) tax may be added to the price of purchases as required by us. We may change prices at any time. Depending on your location payments shall be in UK pounds sterling (GBP), US Dollars (USD) or Euros (EUR) as deemed most appropriate by us.

You agree to pay all charges at the prices then in effect for your purchases and any applicable shipping fees, and you authorise us to charge your chosen payment provider for any such amounts upon placing your order. We reserve the right to correct any errors or mistakes in pricing, even if we have already requested or received payment.

We reserve the right to refuse any order placed through our Sites. We may, in our sole discretion, limit or cancel quantities purchased per person, per household, per business, or per order. These restrictions may include orders placed by or under the same customer account, the same payment method, and/or orders that use the same billing or shipping address. We reserve the right to limit or prohibit orders that, in our sole judgement, appear to be placed by dealers, resellers, or distributors.

We are committed to providing high-quality online courses and Services. However, we understand that there may be circumstances where you need to request a refund. This section outlines the conditions under which refunds will be granted.

Refunds will be considered under the following conditions:

(a) Course Access – Applicable online courses may be refunded when a multi-module course is purchased and when the customer does not wish to proceed past the first module (‘First Module Refund Policy’). A First Module Refund Policy offer will be stated for applicable courses.

(b) Time Frame – Refund requests must be made within fourteen (14) days of purchase, or for First Module Refund Policy offers within fourteen (14) days of completing the first module. Services and content that you have used or downloaded will not be eligible for a refund.

(c) Technical Issues – If you experience technical issues that prevent you from accessing the course and we are unable to resolve them.

Refunds will not be granted in the following situations:

(a) Completed Courses – If you have completed the course or accessed more than the first module of a multi-module course with a First Module Refund Policy offer.

(b) Change of Mind – If you simply change your mind after purchasing the course.

(c) Discounted Courses – Courses purchased at a discounted rate or during a sale are non-refundable.

To request a refund, please follow these steps:

Email our support team at info@bottomlineimpact.co.uk with your order number and the reason for the refund request. Our team will review your request and respond within fourteen (14) business days. If approved, the refund will be processed to your original payment method within fourteen (14) days. If you have any questions about our refund policy, please contact us at info@bottomlineimpact.co.uk.

Subscription will continue and automatically renew unless cancelled. You consent to our charging your payment method on a recurring basis without requiring your prior approval for each recurring charge, until such time as you cancel the applicable order. If we are unable to charge your payment method or a request for payment is declined we may suspend your subscription; after we receive payment, access to your subscription will be reinstated.

Applicable Services and courses may be offered with an instalment payment option. For example 2-pay and 3-pay options where your payment for Services will be spread over two or three instalments respectively.

You consent to our charging your payment method on a recurring basis for the agreed instalment plan term without requiring your prior approval for each recurring charge. If we are unable to charge your payment method or a request for payment is declined, we may suspend your access to the applicable Services; after we receive payment your access will be reinstated.

We may offer a limited free trial to new users who register with the Services. The account will not be charged and the subscription will be suspended until upgraded to a paid version at the end of the free trial.

You can cancel your subscription at any time by logging into your account. Your cancellation will take effect at the end of the current paid term. If you have any questions or are unsatisfied with our Services, please email us at info@bottomlineimpact.co.uk.

We may, from time to time, make changes to the subscription fee and will communicate any price changes to you in accordance with applicable law.

You may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial endeavours except those that are specifically endorsed or approved by us.

As a user of the Services, you agree not to:

(a) Systematically retrieve data or other content from the Services to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.

(b) Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.

(c) Circumvent, disable, or otherwise interfere with security-related features of the Services, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Services and/or the Content contained therein.

(d) Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Services.

(e) Use any information obtained from the Services in order to harass, abuse, or harm another person.

(f) Make improper use of our support services or submit false reports of abuse or misconduct.

(g) Use the Services in a manner inconsistent with any applicable laws or regulations.

(h) Engage in unauthorised framing of or linking to the Services.

(i) Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party’s uninterrupted use and enjoyment of the Services or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Services.

(j) Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.

(k) Delete the copyright or other proprietary rights notice from any Content.

(l) Attempt to impersonate another user or person or use the username of another user.

(m) Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats ('gifs'), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as 'spyware' or 'passive collection mechanisms' or 'pcms').

(n) Interfere with, disrupt, or create an undue burden on the Services or the networks or services connected to the Services.

(o) Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Services to you.

(p) Attempt to bypass any measures of the Services designed to prevent or restrict access to the Services, or any portion of the Services.

(q) Copy or adapt the Services' software, including but not limited to Flash, PHP, HTML, JavaScript, or other code.

(r) Decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Services.

(s) Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Services, or use or launch any unauthorised script or other software.

(t) Use a buying agent or purchasing agent to make purchases on the Services.

(u) Make any unauthorised use of the Services, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretences.

(v) Use the Services as part of any effort to compete with us or otherwise use the Services and/or the Content for any endeavour or commercial enterprise not specifically endorsed or approved by us.

(w) Use the Services to advertise or offer to sell goods and services.

The Services do not offer users to submit or post content. We may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or on the Services, including but not limited to text, writings, video, audio, photographs, graphics, comments, suggestions, or personal information or other material (collectively, 'Contributions'). Contributions may be viewable by other users of the Services and through third-party websites. As such, any Contributions you transmit may be treated in accordance with the Services' Privacy Policy. When you create or make available any Contributions, you thereby represent and warrant that:

The creation, distribution, transmission, public display, or performance, and the accessing, downloading, or copying of your Contributions do not and will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark, trade secret, or moral rights of any third party.

You are the creator and owner of or have the necessary licences, rights, consents, releases, and permissions to use and to authorise us, the Services, and other users of the Services to use your Contributions in any manner contemplated by the Services and these Legal Terms.

You have the written consent, release, and/or permission of each and every identifiable individual person in your Contributions to use the name or likeness of each and every such identifiable individual person to enable inclusion and use of your Contributions in any manner contemplated by the Services and these Legal Terms.

You agree to:

(a) Your Contributions are not false, inaccurate, or misleading.

(b) Your Contributions are not unsolicited or unauthorised advertising, promotional materials, pyramid schemes, chain letters, spam, mass mailings, or other forms of solicitation.

(c) Your Contributions are not obscene, lewd, lascivious, filthy, violent, harassing, libellous, slanderous, or otherwise objectionable (as determined by us).

(d) Your Contributions do not ridicule, mock, disparage, intimidate, or abuse anyone.

(e) Your Contributions are not used to harass or threaten (in the legal sense of those terms) any other person and to promote violence against a specific person or class of people.

(f) Your Contributions do not violate any applicable law, regulation, or rule.

(g) Your Contributions do not violate the privacy or publicity rights of any third party.

(h) Your Contributions do not violate any applicable law concerning child pornography, or otherwise intended to protect the health or well-being of minors.

(i) Your Contributions do not include any offensive comments that are connected to race, national origin, gender, sexual preference, or physical handicap.

(j) Your Contributions do not otherwise violate, or link to material that violates, any provision of these Legal Terms, or any applicable law or regulation.

(k) Any use of the Services in violation of the foregoing violates these Legal Terms and may result in, among other things, termination or suspension of your rights to use the Services.

You agree that we may access, store, process, and use any information and personal data that you provide following the terms of our “Privacy Policy” and your choices (including settings).

By submitting suggestions or other feedback regarding the Services, you agree that we can use and share such feedback for any purpose without compensation to you.

We do not assert any ownership over your Contributions. We are not liable for any statements or representations in your Contributions provided by you in any area on the Services. You are solely responsible for your Contributions to the Services and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your Contributions.

The Services may contain (or you may be sent via the Site) links to other websites ('Third-Party Websites') as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties ('Third-Party Content'). Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Services or any Third-Party Content posted on, available through, or installed from the Services, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third-Party Websites or the Third-Party Content. Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites or any Third-Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Services and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware these Legal Terms no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from the Services or relating to any applications you use or install from the Services. Any purchases you make through Third-Party Websites will be through other websites and from other companies, and we take no responsibility whatsoever in relation to such purchases which are exclusively between you and the applicable third party. You agree and acknowledge that we do not endorse the products or services offered on Third-Party Websites and you shall hold us blameless from any harm caused by your purchase of such products or services. Additionally, you shall hold us blameless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Content or any contact with Third-Party Websites.

We reserve the right, but not the obligation, to:

(a) monitor the Services for violations of these Legal Terms;

(b) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Legal Terms, including without limitation, reporting such users to law enforcement authorities;

(c) in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof;

(d) in our sole discretion and without limitation, notice, or liability, to remove from the Services or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and

(e) otherwise manage the Services in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services.

We care about data privacy and security. Please review our "Privacy Policy":

nonfinancialmanagers.com/privacy-policy

By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Legal Terms. Please be advised the Services are hosted in the United Kingdom. If you access the Services from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in the United Kingdom, then through your continued use of the Services, you are transferring your data to the United Kingdom, and you expressly consent to have your data transferred to and processed in the United Kingdom.

These Legal Terms shall remain in full force and effect while you use the Services. WITHOUT LIMITING ANY OTHER PROVISION OF THESE LEGAL TERMS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SERVICES (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE LEGAL TERMS OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SERVICES OR DELETE YOUR ACCOUNT AND ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION.
If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.

We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Services. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Services.
We cannot guarantee the Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Services, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Services at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Services during any downtime or discontinuance of the Services. Nothing in these Legal Terms will be construed to obligate us to maintain and support the Services or to supply any corrections, updates, or releases in connection therewith.

These Legal Terms are governed by and interpreted following the laws of the United Kingdom, and the use of the United Nations Convention of Contracts for the International Sales of Goods is expressly excluded. If your habitual residence is in the EU, and you are a consumer, you additionally possess the protection provided to you by obligatory provisions of the law in your country of residence. Bottom Line Impact Ltd and yourself both agree to submit to the jurisdiction of the courts of England and Wales.

We hope we never have a dispute, but if we do, you and Bottom Line Impact Ltd agree to try for sixty (60) days to resolve it informally. If you would like to bring this subject to our attention, please contact us at the address in the “CONTACT US” clause.

There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.

Although we aim to deliver the highest standards of service, there may be occasions when our service or advice fails to meet our clients expectations. And as a compliant and ethical firm, dedicated to continually improving our service.

We will do everything reasonably possible to make sure that the websites (‘Sites’) and Services which contain online training and business information are free from viruses and malware. However, we cannot guarantee this. We recommend that you use your own virus-protection software. We cannot guarantee that the Website(s) will be compatible with your browser or computer set-up, or that your access to the Website(s) will not be interrupted (this may be beyond our control). From time to time we may temporarily stop providing access to the Website, for maintenance, repairs or other reasons. If possible, we will try to make sure this happens outside normal business hours.

THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SERVICES' CONTENT OR THE CONTENT OF ANY WEBSITES OR MOBILE APPLICATIONS LINKED TO THE SERVICES AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SERVICES, (3) ANY UNAUTHORISED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICES, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SERVICES BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICES. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICES, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGEMENT AND EXERCISE CAUTION WHERE APPROPRIATE.

We will not be liable whether in tort (including for negligence or breach of statutory duty), contract, misrepresentation, restitution or otherwise for:

(a) any loss of profits, loss of business, lost working time, depletion of goodwill, and/or similar losses or loss or corruption of data or information, or pure economic loss; or

(b) any special, indirect, incidental or consequential loss, costs, damages, charges or expenses however arising under this agreement including without limitation fines or penalties levied by any relevant authority or claims from third parties; and

(c) our total aggregate liability in contract (including in respect of the “INDEMNIFICATION”), tort (including negligence or breach of statutory duty), misrepresentation, or otherwise, arising in connection with the performance or contemplated performance of this agreement will be limited to: 100% of the value of the fees you paid for the licence to use the Services, or the value of the fees you paid in the last twelve (12) months for the licence to use the Services where you have a subscription agreement with us.

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable legal fees and expenses, made by any third party due to or arising out of:

(a) use of the Services;

(b) breach of these Legal Terms;

(c) any breach of your representations and warranties set forth in these Legal Terms;

(d) your violation of the rights of a third party, including but not limited to intellectual property rights; or

(e) any overt harmful act toward any other user of the Services with whom you connected via the Services.

Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defence and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defence of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.

We will maintain certain data that you transmit to the Services for the purpose of managing the performance of the Services, as well as data relating to your use of the Services. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Services. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.

Visiting our Sites and Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Services, satisfy any legal requirement that such communication be in writing.

YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SERVICES.

You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.

These Legal Terms and any policies or operating rules posted by us on the Services or in respect to the Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Legal Terms shall not operate as a waiver of such right or provision. These Legal Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Legal Terms is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Legal Terms and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Legal Terms or use of the Services. You agree that these Legal Terms will not be construed against us by virtue of having drafted them. You hereby waive any and all defences you may have based on the electronic form of these Legal Terms and the lack of signing by the parties hereto to execute these Legal Terms.

In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at:

info@bottomlineimpact.co.uk