Legal

Terms of Use

Last updated: 20 October 2026

PLEASE READ THESE TERMS CAREFULLY BEFORE USING THE WEBSITE OR PURCHASING ANY PRODUCT OR SERVICE.

These Terms of Use (the “Terms”) form a legally binding agreement between you and Chapter Spire (the “Provider”, “we”, “us” or “our”). They govern your access to and use of https://www.chapterspire.com and your purchase and use of our ebooks, digital courses, software and related products and services.

By accessing the Website, creating an Account, placing an Order or using any Product or Service, you agree to these Terms. If you do not agree, do not use the Website or purchase any Product or Service.

In particular, please note: Products are licensed and not sold (clause 3); resale, sharing and AI-training uses are prohibited (clauses 5 and 7); refunds are governed by clause 11 and Schedule 1, and are subject to conditions for Courses and are not available for Coaching Services; the Products are educational and no results are guaranteed (clause 20); and our liability is limited as set out in clause 26, without affecting rights that cannot be excluded by law.

1. Acceptance, eligibility and capacity

1.1 Acceptance. You accept these Terms by accessing or browsing the Website, creating an Account, placing an Order, or downloading, accessing or using any Product or Service. If you do not accept them, you must not do any of those things. Your continued use of the Website after we publish a change under clause 33 is also acceptance of the changed Terms.

1.2 Age and capacity. The Website, the Products and the Services are intended for people who are eighteen (18) years of age or over, or who have reached the age of majority where they live if that age is higher. By accepting these Terms you confirm that you meet this requirement and that you have the legal capacity to enter into a binding contract. If you do not, you must not use the Website or place an Order.

1.3 Products designed for children. Where a Product is designed for children, it is sold to a parent or legal guardian, who must create the Account and make the purchase. We do not offer Accounts to children and we collect only the minimum Personal Data needed to deliver the Product. The parent or legal guardian is responsible for the child’s use of the Product and accepts these Terms on the child’s behalf.

1.4 Acting for a business. If you accept these Terms on behalf of a company or other organisation, you confirm that you have authority to bind it, and “you” then includes that organisation. If you do not have that authority, you must not accept these Terms or place an Order on its behalf.

1.5 Product-specific terms and licence files. Some Products, licence files or checkout pages carry their own terms, such as access periods, device limits or software requirements. Those terms apply together with these Terms. As clause 3.6 explains, if a Product Page differs from these Terms, the Product Page prevails for that Product, but it never reduces a right that you have under Applicable Law.

1.6 Documents forming part of the agreement. These Terms, the Product Page and the Order confirmation for the Product that you buy, and our Privacy Policy at https://www.chapterspire.com/privacy-policy/ together form the agreement between you and us about your use of the Website, the Products and the Services. No other policy, rule or document forms part of that agreement unless we tell you so in writing.

1.7 Keeping a copy. We recommend that you save or print a copy of these Terms each time that you place an Order. The Terms in force on the Purchase Date apply to that Order, subject to clause 33.

2. Definitions and interpretation

2.1 Definitions. In these Terms, the following words have the meanings given below, and each is written with an initial capital letter wherever it is used in that sense.

Account means the personal account that you create or that we create for you to access the Website, a Product or a Service, together with its login details and the entitlements attached to it.

Affiliate Partner means a person who takes part in a referral or affiliate programme that we operate and who is approved by us to refer customers to the Website in return for a commission.

Applicable Law means every law, regulation, binding code, order and mandatory requirement of a court or public authority that applies to a party, a Product, a Service or an activity under these Terms, as amended from time to time, including mandatory consumer-protection law and data protection law.

Coaching Services means one-to-one or small-session coaching, mentoring, consulting, reviews, feedback sessions and similar personal guidance that we provide for a fee, whether in person, by telephone, by video or in writing.

Content means all text, images, graphics, audio, video, recordings, worksheets, templates, workbooks, checklists, code, data, designs, layouts, trade marks, logos and other material that appears on the Website or is contained in, or delivered with, a Product or a Service.

Course means an online course, programme, workshop series or structured set of lessons, whether recorded, live or released in stages, that we make available as a Product.

Ebook means a digital book, guide, report, workbook or similar written publication that we make available as a Product in an electronic format.

Event means a webinar, workshop, live class, masterclass, question-and-answer session or other scheduled session, online or in person, that we host or run, whether free or paid.

Intellectual Property Rights means copyright, trade marks, service marks, trade names, domain names, database rights, design rights, rights in software and source code, rights in know-how and confidential information, and all other intellectual property rights of any kind, whether registered or unregistered, anywhere in the world, together with all applications, renewals and extensions of them.

Order means a request by you, made through the Website or any other channel that we make available, to buy or obtain a Product or a Service, together with the Order confirmation that we send or display.

Payment Processor means a third-party provider that processes payments for Orders and that acts as the merchant of record for them.

Personal Data means any information that relates to an identified or identifiable individual, and includes “personal information” and any equivalent term used in Applicable Law, as further described in our Privacy Policy.

Product means an Ebook, a Course or Software, and any bundle, template, resource or other digital item that we make available for download, streaming or access, whether paid or free.

Product Page means the page on the Website, the checkout page, the Order confirmation or any other written description in which we set out the details, price, conditions and any product-specific terms of a particular Product or Service.

Purchase Date means the date on which your Order is confirmed and payment for it is accepted by the Payment Processor, or, for a free Product, the date on which you obtain it.

Refund Period has the meaning given in clause 11.1.

Service means Coaching Services and Events, and any other service that we provide to you under these Terms other than a Product.

Software means any application, plug-in, tool, template with embedded functionality, script, extension, web-based tool or other computer program that we make available as a Product, including any update that we provide, any related documentation and any feature that uses artificial intelligence.

Subscription means an arrangement under which you pay a recurring fee at a stated interval for continued access to a Product or a Service.

Support Email means [email protected].

Third-Party Platform means any website, application, marketplace, learning platform, hosting service, video service, email service, social media service or other service that is not operated by us, including any platform through which a Product or a Service may be delivered or accessed.

Website means https://www.chapterspire.com, its subdomains and related pages.

2.2 Interpretation. In these Terms, unless the context requires otherwise:

(a) the word “including” and similar words mean “including without limitation”, so that examples never limit the general words that precede them;

(b) headings are included for convenience only and do not affect the meaning of any clause;

(c) a reference to a law or regulation includes that law or regulation as amended, extended or re-enacted from time to time, and any instrument made under it;

(d) words in the singular include the plural and the reverse;

(e) “written” and “in writing” include email;

(f) a period expressed in days means calendar days, unless business days are stated; and

(g) a reference to a clause or a Schedule is to a clause of, or a Schedule to, these Terms.

3. Products and nature of the transaction

3.1 The Products are digital goods. They are delivered electronically and no physical item is supplied unless expressly stated on the Order page.

3.2 Products are licensed, not sold. Save for the limited licence granted in clause 4, the Provider and its licensors retain all right, title and interest, including all Intellectual Property Rights, in and to the Products. Your purchase does not transfer ownership of any Product, Content or Intellectual Property Rights to you.

3.3 We make reasonable efforts to describe the Products accurately. Descriptions, outlines, screenshots, previews and sample pages are illustrative, and the final Product may differ in non-material respects. The description of a Product on the Order page forms part of your Order.

3.4 Products may comprise a single item or a bundle of items. Where a bundle is purchased, each item in the bundle is a Product for the purposes of these Terms and clause 11.4 applies to refunds.

3.5 We may decline or cancel any Order, or withdraw any Product from sale, at any time before delivery, in which case we will refund any amount paid for the affected Order.

3.6 Product Pages. Details that vary by Product, such as the access period, the number of devices or users, the behaviour and requirements of Software, any watermarking or licence-key controls, whether a Subscription or trial applies, the terms of any commercial licence, any different Refund Period or claims period, and any other product-specific condition, are stated on the relevant Product Page. The Product Page forms part of your Order and, if it differs from these Terms, the Product Page prevails for that Product. Nothing on a Product Page reduces any right that you have under Applicable Law.

4. Licence grants

4.1 Grant of licence. Subject to these Terms and to payment of any price due, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable and revocable licence to access and use each Product for your own lawful, personal and non-commercial education or use. The licence lasts for the access period stated on the Product Page or, if none is stated, for as long as we make the Product available, subject to clause 10. You must not use a Product in any way that these Terms do not expressly permit.

4.2 Ebooks. For an Ebook, the licence allows you to view and read it on your own devices, to make one backup copy for your own use, and to print copies for your own personal reference. You must keep any copyright notice, watermark or identifier that appears in the Ebook. A backup copy or a printed copy is subject to the same restrictions as the original and must not be shared with any other person.

4.3 Courses. For a Course, the licence allows you to stream or otherwise access the lessons through the delivery method that we provide, and to download any materials that we make available for download, for your own personal study. Access to a Course is for you alone, and the licence does not extend to recording, copying or redistributing lessons, live sessions or materials.

4.4 Software. For Software, the licence allows you to install and use the Software on the number of devices stated on the Product Page, in object-code form only, and only for the purposes that the Product Page and any documentation describe. You receive no right to the source code, and you must comply with any technical requirement, activation process or licence-key control that the Product Page sets out.

4.5 Updates and upgrades. A licence includes updates, upgrades and new versions only where the Product Page says that it does. Where we provide an update, correction or upgrade, it forms part of the Product and is licensed on these Terms unless we state different terms when we provide it. We are not obliged to provide a future version of any Product.

4.6 Commercial use. The licence does not permit commercial use, resale, use for the benefit of a business or client, or use by a team. Where we offer a commercial, team or reseller licence, it is available only on the terms set out in clause 16 and on the relevant Product Page, and only if we confirm it in writing or at checkout.

4.7 Rights reserved. All rights that these Terms do not expressly grant to you are reserved by us and our licensors. Nothing in these Terms gives you, by implication, estoppel or otherwise, any licence or right under our Intellectual Property Rights, other than the limited licence in this clause 4.

4.8 End of the licence. Your licence ends automatically when the access period ends, when we terminate or suspend your access under clause 29, or when a refund is issued for the Product. When the licence ends, you must stop using the Product and delete every copy in your possession or control, including backup copies and printed copies that you can reasonably destroy.

5. Restrictions and acceptable use

5.1 Prohibited conduct. You must not, and you must not permit or help any other person to:

(a) copy, reproduce, redistribute, resell, rent, lend, lease, sublicense, publish, broadcast or otherwise share any Product or any part of a Product, whether for payment or free of charge;

(b) share, sell, publish or disclose your login details, a download link or a licence key, or use those of another person;

(d) remove, alter or obscure any watermark, copyright notice, identifier, digital rights management feature or licence control;

(e) circumvent, or attempt to circumvent, any access limit, device limit, expiry date, download limit or other technical protection;

(f) reverse engineer, decompile, disassemble or try to obtain the source code of any Software, except to the extent that Applicable Law permits despite this restriction;

(g) modify, adapt, translate, repackage or create a derivative work from any Product or Content;

(h) use any Product or Content to create, market or support a product or service that competes with ours;

(i) record, screen-capture, copy or transcribe any live lesson, video lesson or Event, for the purpose of distributing it or any part of it to others;

(j) use bots, scrapers, crawlers or other automated means to access the Website or any Product, or to extract Content, as clause 7 also provides;

(k) upload, transmit or introduce any virus, malicious code or other harmful material;

(l) interfere with, overload or disrupt the Website, our servers or networks, or attempt to gain unauthorised access to any part of them or to another person’s Account;

(m) use the Website unlawfully, or to harass, abuse, threaten, defame or harm any person;

(n) impersonate any person or entity, or misrepresent your identity;

(o) misrepresent the results that anyone obtained, or misrepresent your affiliation with us or suggest that we endorse you, your business or any product of yours;

(p) abuse our refund process or make a payment dispute or chargeback in bad faith, as clause 11.11 also provides; or

(q) encourage, assist or enable any other person to do any of the things listed above.

5.2 Consequences. If we reasonably believe that you have breached this clause 5, we may, without notice and without liability to you, suspend or end your access to the Website, your Account and any Product, remove or disable the material concerned, refuse to issue a refund, and take any legal step that is open to us, including a claim for damages and an application for an injunction. We will act in a way that is proportionate to the breach. Ending access under this clause does not entitle you to a refund.

5.3 Watermarking and tracking. Where we use watermarking, unique identifiers, licence-key checks, download logs or similar technical measures, we may use them to detect unauthorised sharing, to identify the Account from which a Product was shared and to enforce these Terms. You agree that we may do so, and that we may rely on the records that those measures produce as evidence of use. Any Personal Data that these measures involve is handled as our Privacy Policy describes.

5.4 Lawful exceptions. Nothing in this clause 5 prevents you from doing anything that Applicable Law allows you to do despite a contractual restriction, such as a permitted act under copyright law. Where a right of that kind applies, you must exercise it only to the extent that the law permits.

6. Intellectual property and ownership

6.1 Our ownership. All Intellectual Property Rights in the Website, the Products, the Services, our brand names, our logos and the Content belong to us or to our licensors. We and our licensors reserve all of those rights, and nothing in these Terms transfers any of them to you.

6.2 No transfer on purchase. As clause 3.2 states, a Product is licensed and not sold. Paying for a Product gives you the limited licence described in clause 4 and nothing more, and it does not give you ownership of the Product, the Content or any Intellectual Property Rights in them.

6.3 Trade marks. The names “Chapter Spire” and our logos, taglines, product names and other marks are ours. You must not use, copy, register or imitate any of them, or any confusingly similar mark or domain name, without our prior written permission, and you must stop using a mark if we ask you to do so in writing.

6.4 Your own material. You keep ownership of the material that you create and submit, such as assignments, reviews and comments. You grant us the licence over that material that clause 19 describes, and you confirm that you have the right to grant it. You are responsible for the content of what you submit.

6.5 Feedback. If you give us feedback, suggestions or ideas about the Website, a Product or a Service, you grant us a free, perpetual, irrevocable, worldwide and transferable licence to use them for any purpose without payment or credit to you. We are not required to act on any feedback, and you will not be entitled to any compensation for it.

6.6 Statutory exceptions. Nothing in this clause 6 limits any right of fair dealing, fair use or any other statutory exception to copyright or to another Intellectual Property Right where Applicable Law gives you a right that cannot be excluded by agreement. You must exercise any such right only to the extent that the law allows.

6.7 Reporting infringement. If you believe that any material on the Website infringes your Intellectual Property Rights, or if you become aware that someone is infringing ours, you should follow the procedure in clause 24. We will deal with notices that follow that procedure in good faith.

7. AI training, scraping and data-mining prohibition

7.1 You shall not use any Product, Content or Software, or any part of them, to train, fine-tune, validate, test, benchmark or otherwise develop or improve any artificial intelligence, machine learning or large language model, or to create any dataset, embedding, vector index, retrieval corpus or knowledge base.

7.2 You shall not use any automated means, including scraping, crawling, text and data mining, or any similar technique, to extract Content from the Website or any Product. To the fullest extent permitted by Applicable Law, we expressly reserve all rights in respect of text and data mining and any exception or limitation relating to it.

7.3 You shall not upload, paste or submit any Product, in whole or in substantial part, to any third-party artificial intelligence service that retains, trains on, or makes that material available to others. Nothing in this clause prevents you from using a private, personal tool to assist your own study of Content you have properly licensed, provided that the tool does not retain it, train on it or disclose it to any other person.

7.4 Any use of the Content for the purposes described in this clause requires our prior written permission, which we may withhold at our discretion.

8. Accounts, security and access limits

8.1 Accurate details. When you register an Account or place an Order, you must give accurate, current and complete details, and you must keep them up to date. We may rely on the details that you give us, and we are not responsible for a failure of delivery or communication that results from inaccurate details.

8.2 Your credentials. You are responsible for keeping your login details confidential and for choosing a password that others cannot easily guess. You are responsible for all activity that takes place under your Account, whether or not you authorised it, unless you have notified us under clause 8.3 and the activity took place after we had a reasonable opportunity to act on your notice.

8.3 Unauthorised use. You must notify us at the Support Email without delay if you become aware of any unauthorised use of your Account, any loss or theft of your login details, or any other breach of security. We will take reasonable steps to help you secure your Account, but we cannot do so until you tell us.

8.4 One person for each Account. Each Account is for one individual only, and it must not be shared, transferred or used by anyone other than the person for whom it was created. If you need access for more than one person, you must obtain the right type of licence under clause 16, where we offer one.

8.5 Access limits. Each Product Page may set limits on access, such as the number of devices, the number of simultaneous sessions, the number of downloads or the amount of streaming that is permitted. You must stay within those limits, and we may apply technical controls to enforce them.

8.6 Monitoring and verification. We may monitor Accounts for signs of sharing or misuse, using the measures described in clause 5.3. If we see activity that appears suspicious, we may suspend the Account, ask you to verify your identity or your Order details, and keep the Account suspended until we are satisfied that it is being used properly. We will tell you why we have suspended the Account unless the law prevents us from doing so.

8.7 Closing your Account. You may ask us to close your Account at any time by emailing the Support Email from the address that is registered to the Account. We will close it within a reasonable time after we have verified the request, and your access to the Products linked to it will then end.

8.8 Closure and refunds. Closing your Account does not by itself entitle you to a refund. A refund is available only where clause 11 and Schedule 1 allow it, or where Applicable Law requires it.

9. Orders, pricing, payments and taxes

9.1 An Order is an offer. When you place an Order, you make an offer to buy the Product or Service, and we are not obliged to accept it. A contract between you and us for that Order is formed only when we send you an Order confirmation or give you access to the Product or Service, whichever happens first. Receiving an automatic acknowledgement that we have received your Order does not form a contract.

9.2 Declining and cancelling Orders. We may decline or cancel an Order, as clause 3.5 provides, for example where a Product is unavailable, where a price was shown incorrectly, where we suspect fraud or misuse, or where the Order does not meet the conditions on the Product Page. If we cancel an Order after you have paid, we will refund the amount that you paid for it.

9.3 Prices and currency. Prices are shown at checkout in the currency shown at checkout. We may change prices at any time, but a change does not affect an Order that has already been confirmed. Prices shown on the Website may not include taxes, and any applicable taxes are shown before you complete your payment.

9.4 Payment Processor. Payments for Orders are handled by the Payment Processor, which acts as the merchant of record for them. The Payment Processor’s own terms and policies govern payment, the collection of tax, the issue of invoices and receipts, and payment disputes, and you agree to them when you pay. We do not control how the Payment Processor operates, and we are not responsible for its acts or omissions, except where Applicable Law provides otherwise.

9.5 Card details. We do not store your full payment card details. The Payment Processor collects and processes them, and you must provide them accurately and only if you are authorised to use the payment method that you choose.

9.6 Taxes. Where the law requires value added tax, goods and services tax, sales tax or a similar tax to be charged on an Order, the Payment Processor calculates and collects it and the amount is shown at checkout. You are responsible for any other tax, duty or charge that applies to you because of your Order, including any that arises in your own country.

9.7 Promotional codes. A promotional or discount code may be used only once, is not transferable and has no cash value. It cannot be combined with another offer unless we say that it can, and it cannot be applied to an Order after that Order has been completed. We may withdraw or change a promotional code at any time, and we may cancel an Order that uses a code in breach of its conditions.

9.8 Pricing errors. If a Product or Service is advertised at an incorrect price because of an obvious error, we may correct the error. We will then give you the choice to proceed with your Order at the correct price or to cancel it, and if you cancel, we will refund any amount that you have paid for it.

9.9 Payment disputes and chargebacks. If you have a concern about a charge, you agree to contact us at the Support Email first, so that we can try to resolve it quickly. While a chargeback or payment dispute is open, we may suspend your access to the Product or Service concerned. The dispute rules of the Payment Processor and of your card issuer apply to the dispute, and we may give them any information that they reasonably request about your Order and your use of the Product or Service.

9.10 Failed payments. If a payment fails, is reversed or is not completed, we may suspend or end your access to the Product or Service concerned until the payment is made in full. We may also cancel the Order. We will tell you if this happens, and you remain responsible for any amount that is due.

10. Delivery, access, formats, accessibility, updates and discontinuation

10.1 Electronic delivery. We deliver Products electronically, by a download link, by access to your Account or by a licence key. Delivery usually takes place immediately after your payment is accepted, or within a reasonable time afterwards. Delivery is complete when we send the link or key or make the Product available in your Account, whether or not you then download or use it.

10.2 What you need. You must have a compatible device, the software needed to open or run the Product, and a working internet connection. You are responsible for the cost of your own connection and equipment. We are not responsible for a failure to access a Product that results from your device, software or connection.

10.3 Formats and technical requirements. The formats in which a Product is supplied, and the technical requirements for using it, are stated on the Product Page. You should read them before you place an Order. We make no promise that a Product will work with every device, operating system or application, unless the Product Page says that it will.

10.4 Expiry of links and access. A download link, a licence key or a period of access may expire as the Product Page states. If a link has expired or does not work, you may email the Support Email and we will, where the Product Page allows, send a replacement link. You must not use an expired or replaced link.

10.5 Access period. Your access to a Product lasts for the access period that the Product Page states. If the Product Page states no access period, access continues for as long as we make the Product available, subject to this clause 10 and to clause 29. When the access period ends, your licence ends under clause 4.8.

10.6 Changes to Products. We may update, correct, restructure, improve or withdraw Content and features of a Product from time to time, for example to correct an error, to reflect a change in the law or in a platform, or to improve the Product. Where we withdraw a material part of a paid Product, we will give you reasonable notice where it is practicable to do so.

10.7 Discontinuation. If we discontinue a Product during the access period that you have paid for, we may offer you a replacement Product of reasonably equivalent value, or a refund of the part of the price that relates to the period of access that you have lost, as Applicable Law requires. Nothing in this clause limits your statutory rights.

10.8 Accessibility. We aim to make our Products as accessible as is reasonably practicable. If you have difficulty using a Product because of a disability or a similar need, you may contact the Support Email to request an accessible format. We will consider every request in good faith, and we will tell you what we are able to provide.

10.9 Downtime and maintenance. We may suspend the Website, a Product or a Service from time to time for maintenance, for security reasons or for causes outside our control. We do not guarantee that access will be uninterrupted or free of error, and we are not liable for a short interruption of that kind, although we will try to restore access within a reasonable time.

10.10 Your own copy. Where a Product may be downloaded, you are responsible for downloading it within the time allowed and for keeping your own copy safely. We may not be able to provide a replacement after the access period has ended, so you should download and save any file that you are entitled to keep before it ends.

11. Refund policy

11.1 Refund Period. The refund period is thirty (30) days from the Purchase Date (the “Refund Period”), unless the relevant Product Page states a different period. Refunds are available only on the terms of this clause 11 and Schedule 1.

11.2 Ebooks, Software and other Products (other than Courses). You may request a full refund of the price paid for an Ebook, Software or other Product (other than a Course) at any time within the Refund Period, for any reason and without conditions.

11.3 Courses: proof of effort. You may request a full refund of the price paid for a Course within the Refund Period, subject to the following conditions, each of which must be satisfied:

(a) you have gone through all of the Course material, as evidenced by the progress records of the delivery platform or by your own records;

(b) you have made a genuine effort to apply the Course material, including by completing the exercises, assignments and action steps that the Course requires; and

(c) you submit with your refund request reasonable proof of the matters in (a) and (b), as described in Schedule 1, including documents, links, screenshots, recordings, statistics or other evidence of the work you carried out.

A refund request that does not satisfy these conditions is not valid. Reasons that do not qualify for a refund include, without limitation, a lack of time to complete the Course, a change of mind, a change in financial circumstances, and a failure to implement the Course material. The requirements of Schedule 1 apply to every Course refund request.

11.4 Bundles. Where a bundle includes both Courses and other Products, the refund conditions in clause 11.2 and 11.3 apply to each component. If you do not qualify for a refund of a Course component, we may, at our option, refund the apportioned price of the remaining components. Access to every component for which a refund is issued ends on payment of the refund.

11.5 Subscriptions. The first payment for a Subscription is refundable within the Refund Period on the terms of clause 11.2 or 11.3, as applicable to the subject matter of the Subscription. Renewal payments are not refundable, unless Applicable Law requires otherwise or we state otherwise at the time of renewal. You must cancel a Subscription in accordance with clause 12 to prevent further renewals.

11.6 Instalment plans. If you purchased by instalments, a refund granted under this clause 11 is limited to the instalments actually paid, and future instalments are cancelled on the date the refund is issued.

11.7 Coaching and Consulting Services. Fees for Coaching Services are non-refundable once booked and paid, except where Applicable Law requires otherwise or where we cancel a session and cannot reschedule it to a time agreed with you, in which case we will refund the fee for the undelivered session.

11.8 How to request a refund; processing. To request a refund, email [email protected] within the Refund Period quoting your Order number and the email address used to purchase and, for a Course, attaching the proof required by Schedule 1. We will confirm receipt within two (2) business days and notify you of our decision within ten (10) business days of receiving a complete request. Approved refunds are paid to the original payment method. The time that it takes for funds to reach you depends on the Payment Processor and your bank.

11.9 Effect of a refund. When a refund is issued: (a) your licence to the refunded Product ends immediately; (b) you must stop using the Product and delete all copies in your possession or control; (c) we may revoke your access, including by deactivating any licence key, download link or Account entitlement; and (d) any commission paid to an Affiliate Partner in respect of the sale may be recovered under clause 15.4.

11.10 Statutory rights; exceptions to conditions. This clause 11 is in addition to, and does not limit, any right you may have under Applicable Law, including any statutory right to cancel a contract for digital content or to a remedy for a Product that is faulty, not as described or not delivered. The conditions in clause 11.3 and Schedule 1 do not apply, and a refund will be provided, where (a) the Product was not delivered; (b) the Product is materially different from its description; (c) a technical fault prevented you from using the Product and we were unable to remedy it within fourteen (14) days of being notified; (d) you were charged more than once for the same Order; or (e) a refund is required by Applicable Law.

11.11 Abuse of this policy. We may decline a refund request, and may suspend or close an Account, if we reasonably determine that you are abusing this clause 11, including by repeatedly purchasing and seeking refunds of Products, by obtaining and retaining Content and then claiming a refund, or by providing false or misleading proof.

11.12 Payment Processor. Refunds are issued through the Payment Processor. Where the Payment Processor’s own refund or dispute rules, or Applicable Law, require a refund or a different procedure, those rules apply to the extent that they require it. We do not control the Payment Processor’s processing times.

12. Subscriptions and instalment plans

12.1 Application. Where we offer a Subscription or an instalment plan, this clause 12 applies to it in addition to the rest of these Terms. The Product Page states which of these options is available for a particular Product or Service, and it prevails over this clause if the two differ, as clause 3.6 provides.

12.2 Billing cycle, price and renewal date. The billing cycle, the price of each payment and the date of each renewal are stated at checkout or on the Product Page before you pay. By completing the Order, you confirm that you have read and accepted those details. We will not charge you for a cycle that you were not told about at the time of your Order.

12.3 Automatic renewal. A Subscription renews automatically at the end of each billing cycle until you cancel it. You authorise us, through the Payment Processor, to charge the payment method that you gave at checkout for each renewal, in the amount that was stated when you subscribed or as changed under clause 12.5. You remain responsible for keeping that payment method valid.

12.4 Cancellation. You may cancel a Subscription at any time through your Account settings, where that option is shown, or by emailing [email protected]. Cancellation takes effect at the end of the billing cycle that you have already paid for, and you keep access until then. You must cancel before the renewal date to avoid the next charge, and the refund rules in clause 11.5 apply to payments already made.

12.5 Price changes. We may change the price of a Subscription. We will give you at least thirty (30) days’ notice before the renewal at which the new price first applies. If you do not agree to the new price, you may cancel under clause 12.4 before that renewal, and if you do not cancel, the new price applies from that renewal.

12.6 Failed payments. If a renewal payment fails, the Payment Processor or we may try the payment again, and we may ask you to update your payment details. We may suspend your access to the Product or Service until the payment is made, and we may end the Subscription if the payment remains unpaid after a reasonable time. We will tell you if we do so.

12.7 Instalment plans. If you choose to pay for a Product or Service by instalments, you agree to pay every instalment on its due date. We may suspend your access if an instalment is not paid, and we may restore it when the overdue amount is paid. Refunds on an instalment plan follow clauses 11.5 and 11.6, and a refund does not end your duty to pay any instalment that fell due before the refund was issued, except as those clauses provide.

12.8 Renewal reminders. Where Applicable Law requires us to send you a reminder before a renewal or to give you a particular way of cancelling, we will do so, and that requirement applies in place of any term of this clause 12 that is less favourable to you.

13. Free trials and free resources

13.1 Application. Where we offer a free trial or a free resource, this clause 13 applies to it in addition to the rest of these Terms. The licence in clause 4, the restrictions in clauses 5 and 7, the intellectual property terms in clause 6 and the disclaimers in clauses 20 and 25 all continue to apply to free material in the same way as to paid material.

13.2 Length and limits. The length of a trial, and any limit on the features, the Content or the number of uses that it includes, are stated on the Product Page. When the trial ends, your access ends unless you have chosen to continue on a paid basis.

13.3 Conversion to a paid plan. A trial converts to a paid Subscription or Order only if we told you clearly at sign-up that it would, and you agreed. We will not charge you at the end of a trial unless you accepted that term, and if you did accept it, you may cancel before the trial ends by following clause 12.4 to avoid being charged.

13.4 One trial for each person. You may take one trial of a given Product or Service. We may refuse or end a trial if we reasonably believe that you have already used one, including through another Account, another email address or a different payment method.

13.5 Ending a trial or free resource. We may change, suspend or end a trial or a free resource at any time. We will not be liable to you for doing so, because you do not pay for it.

13.6 “As is” basis and no refund. Free resources are provided “as is” and “as available”, without any warranty of any kind, to the extent that Applicable Law permits. Because no price is paid for a free item, we have no obligation to refund anything in respect of it.

13.7 Information collected at sign-up. When you sign up for a trial or a free resource, we collect the details that the sign-up form asks for. We handle that Personal Data as our Privacy Policy describes, and we send marketing messages only as that policy and Applicable Law allow.

14. Coaching and consulting services

14.1 Application. Where we offer Coaching Services, the terms in this clause 14 apply to them in addition to the rest of these Terms. Clause 20 also applies, because Coaching Services are educational and are not a regulated or professional service.

14.2 Nature of the services. Coaching Services are personalised to you and are delivered by video, by voice or by message, at times that we agree with you. We will use reasonable skill and care in providing them. The Product Page or the booking page describes the number, the length and the format of the sessions that you have bought.

14.3 Booking and rescheduling. You may book a session through the method that we provide. You may reschedule a session if you give us at least twenty-four (24) hours’ notice before the time that was agreed. We will try to offer you a new time, but we cannot promise that a particular time will be available.

14.4 Cancellation and no-shows. If you cancel a session with less than twenty-four (24) hours’ notice, or if you do not attend a session at the agreed time, the session is treated as delivered and you forfeit it. We may wait for fifteen (15) minutes for you to join, and if you have not joined by then, we may end the session. Nothing in this clause removes your rights under clause 11.7 where we cancel a session.

14.5 Fees are non-refundable. Fees for Coaching Services are non-refundable once they are booked and paid, as clause 11.7 provides. The only exceptions are those that clause 11.7 sets out, which are a refund that Applicable Law requires and a refund of the fee for a session that we cancel and cannot reschedule to a time agreed with you.

14.6 No professional relationship. Coaching Services do not create a lawyer–client, doctor–patient, therapist–client, adviser–client or other professional relationship, and they are not legal, medical, financial, therapeutic or other regulated advice. You should take advice from a suitably qualified professional where you need it, as clause 20.2 explains.

14.7 No guaranteed outcomes. We do not guarantee any outcome from Coaching Services. Progress depends on your own effort, circumstances and decisions, as clause 20.3 explains, and we are not responsible if you do not reach a goal that you set.

14.8 Your decisions. You are solely responsible for the decisions that you make and the actions that you take, whether or not they follow from a coaching session. You must decide for yourself whether any suggestion is suitable for you.

14.9 Confidentiality. We will keep confidential what you share with us during Coaching Services, and we will not disclose it to anyone else. We may disclose it where the law requires us to do so, where a court or a public authority orders us to do so, or where it is needed to protect a person from serious harm. We will disclose only what is reasonably necessary in those cases.

14.10 Recording. You must not record a session, in audio or in video, without our written permission. We may record a session for quality purposes or for our records, but only if we tell you before it begins, and we will handle any recording as our Privacy Policy describes.

14.11 Session materials. Any worksheet, template, document or recording that we give you in connection with Coaching Services is Content. We license it to you for your own personal use on the terms of clause 4, and you must not share it with any other person.

14.12 Conduct. You must behave respectfully towards us and any other person who takes part in a session. We may end a session or the engagement at once, without a refund, if you are abusive, threatening, discriminatory or otherwise act in a way that makes it unreasonable for us to continue.

14.13 Age. You must be eighteen (18) years of age or over to book Coaching Services, as clause 1.2 requires. We may ask you to confirm your age, and we may cancel a booking if we have reason to think that you are younger.

14.14 Technology failures. If a technical fault on our side prevents a session from taking place, we will offer you a new session at a time that suits us both, or, if we cannot agree on one, we will refund the fee for the undelivered session, as clause 11.7 provides. We are not responsible for a failure that results from your own connection, equipment or software.

14.15 No exclusivity or employment. Coaching Services do not make you our employee, agent or partner, and they do not give either of us an exclusive right to the other’s time or services. We may provide similar services to other people, and you are free to take similar services from others.

15. Affiliate and referral programme

15.1 Eligibility and approval. Where we offer an affiliate or referral programme, this clause 15 applies to every Affiliate Partner in addition to the rest of these Terms. You must be eighteen (18) years of age or over to take part. We may accept or reject any application at our discretion, and an Affiliate Partner acts as an independent contractor and not as our employee, agent, partner or joint venturer.

15.2 Links and tracking. We attribute a referral to you through a tracking link or a similar technical means, such as a cookie. Unless the programme page says otherwise, attribution is on a last-click basis, so that the sale is attributed to the last tracked link that the customer used. The attribution window is the period stated on the programme page, and a sale that takes place after it ends is not attributed to you.

15.3 Commission. The commission rate and the payment schedule are stated on the programme page or in the affiliate dashboard. We pay commission by the method that we specify, and we may require you to give us payment details and any tax document that we reasonably ask for. You are responsible for all taxes that apply to the commission that you receive.

15.4 Refunds and chargebacks. Commission is not payable on a sale that is refunded or that is the subject of a chargeback. If we have already paid commission on a sale that is later refunded or charged back, we may deduct the amount from your future commission or recover it from you, and you must repay it on request.

15.5 Prohibited promotion. You must not promote the Website, the Products or the Services by any of the following means:

(a) sending unsolicited email or messages, or any other form of spam;

(b) making a statement that is false or misleading, or a claim about a Product or Service that we have not approved;

(d) bidding on our trade marks or brand names, or on close variants of them, in paid search or advertising;

(e) referring yourself, or a person or business that you control, to obtain commission;

(f) posting links on coupon, deal or voucher sites, unless we have approved that in writing;

(g) cookie stuffing, forced clicks, hidden links or any other technique that creates an attribution that the customer did not choose; or

(h) directing promotion at children.

15.6 Disclosure. You must disclose clearly and conspicuously that you receive a commission, wherever the law requires it, and in the place where a customer will see it before clicking your link. Examples of the rules that may apply include the endorsement guidance of the United States Federal Trade Commission and the advertising codes that apply in the United Kingdom, and you must also comply with the rules of any other country where you promote. This list is illustrative and is not complete.

15.7 Compliance with law. You must comply with all Applicable Law when you take part in the programme, including privacy, data protection, consumer protection and anti-spam law. You must not process Personal Data in connection with the programme except as the law allows.

15.8 Marketing assets and intellectual property. We may give you approved logos, text and images for promotion. We grant you a limited, non-exclusive, non-transferable and revocable licence to use them solely to promote the Website, the Products and the Services as clause 15 permits. You must not alter them, and the licence ends when your participation ends.

15.9 Term and termination. Either you or we may end your participation at any time by notice in writing. We will pay valid commission that was earned up to the date of termination, subject to clause 15.4, unless we terminated your participation because you breached these Terms or this clause 15, in which case we may withhold unpaid commission to the extent that Applicable Law allows.

15.10 No authority. You have no authority to bind us or to make any statement, promise or warranty on our behalf. You must not suggest that you are an employee or representative of ours.

15.11 Changes to the programme. We may change, suspend or end the programme, and we may change the commission rate, the attribution window or the payment schedule for future sales, by giving you notice. A change does not affect commission that you have already earned.

15.12 Liability and indemnity. We are not liable for any loss of commission or income that results from a technical fault, a tracking failure or the ending of the programme, to the extent that Applicable Law allows. You will indemnify us against any loss, claim or cost that arises from your breach of this clause 15 or of Applicable Law in connection with the programme.

16. Commercial, team and reseller licences

16.1 Application. Where we offer commercial, team or reseller licences, this clause 16 applies only to the type of licence shown on the relevant Product Page, in addition to the rest of these Terms. A licence of this kind exists only if we confirm it in writing or at checkout, and it does not extend to any other Product.

16.2 Scope. The scope of the licence, such as the number of users, the number of entities or the number of seats, is stated on the Product Page. Unless the Product Page expressly grants a right of resale, the licence allows internal business use only. You must not use the Product outside that scope.

16.3 No sublicensing outside the scope. You must not sublicense, share or make a Product available to any person who is outside the scope of your licence. A person who is within the scope, such as a named seat holder, may use it only for the purposes of the licensee’s business.

16.4 Reseller and white-label rights. A right to resell a Product, or to present it under another name, exists only if the Product Page says so, and it is subject to the conditions that the Product Page sets out. Where no such conditions are stated, no right of that kind is granted.

16.5 Your personnel. The licensee must make sure that every person who uses the Product under the licence knows these Terms and complies with them. The licensee is responsible for any breach by its personnel as if it were its own.

16.6 Audit. On reasonable notice, we may ask for information and records that show that the licensee is complying with the licence. The licensee must co-operate with the request. If the check shows use outside the scope, the licensee must pay for the extra use at our then-current price, without limiting any other right that we have.

16.7 No transfer. The licence is not transferable to any other person, including a successor or an affiliate of the licensee, unless we have agreed in writing to the transfer before it takes place.

16.8 Fees and renewal. The fees and any renewal terms are stated on the Product Page. If a licence renews, clause 12 applies to the renewal.

16.9 Business users. A licensee who acquires a Product for a business purpose acts in the course of its business, and it cannot claim any right that Applicable Law gives only to consumers.

16.10 Breach and indemnity. If a licensee breaches this clause 16, we may end the licence, and clause 29 applies. The licensee will indemnify us against any loss, claim or cost that arises from use of a Product outside the scope of the licence.

17. Webinars and events

17.1 Application. Where we offer webinars, live sessions or Events, this clause 17 applies to them in addition to the rest of these Terms. The details of each Event are stated on the event page, which forms part of your registration.

17.2 Registration and access. You register through the event page, which states how you will join, such as by a link, a code or an address. You must not share your access details with any other person, and you may be refused entry or removed if you do so.

17.3 Time zones. Event times are shown in the time zone that the event page states. You are responsible for converting that time to your own time zone, and we are not liable if you join late because you did not do so.

17.4 Changes and cancellation. We may reschedule an Event, change a speaker or cancel it. We will tell registered attendees if we do so. Where a paid Event is cancelled and is not rescheduled to a date on which you can attend, we will refund the fee that you paid for it.

17.5 Recording by attendees. You must not record, screen-capture or transcribe an Event, or any part of it, without our written permission, as clause 5.1(i) also provides.

17.6 Recording by us. We may record an Event and use the recording for the purposes that the event page and our Privacy Policy describe. If you speak or appear on camera during an Event, you consent to appear in the recording, unless you tell us before the session begins that you do not consent.

17.7 Replays. We provide a replay of an Event only if the event page says that we will. If we do, the replay is Content and is licensed to you on the terms of clause 4.

17.8 Educational purpose. The content of an Event is educational. It is not advice, and clause 20 applies to it.

17.9 Conduct. You must behave respectfully towards the presenters and other attendees. We may remove you from an Event, without a refund, if you are abusive, disruptive or in breach of these Terms.

17.10 Refunds for paid Events. Refunds for a paid Event follow the event page. If the event page states no refund terms, the fee for an Event is non-refundable once the Event has taken place, and clause 17.4 still applies if we cancel it. Nothing in this clause limits any right that you have under Applicable Law.

17.11 Privacy. We handle the Personal Data that you give us when you register for an Event as our Privacy Policy describes.

18. Software-specific terms, including AI features

18.1 Licence, not sale. Software is licensed and not sold, as clause 3.2 provides. It is licensed in object-code form, and any limit on the number of devices or users is stated on the Product Page. You must not use the Software on more devices or by more people than the licence allows.

18.2 System requirements and third-party components. You are responsible for installing the Software and for making sure that your system meets the requirements that the Product Page states. Software may contain third-party components, including open-source components. Those components remain under their own licences, and those licences prevail over these Terms for those components only.

18.3 Updates, patches and support. We provide updates, patches and support only as the Product Page states. We may stop providing them for a version of the Software after giving reasonable notice, and we are not obliged to maintain an old version indefinitely.

18.4 Activation, licence keys and checks. The Software may need a licence key or an activation process, and it may check from time to time that your licence is valid. We may use technical measures to prevent tampering with those controls, and you must not try to bypass them. Where the Software can work offline, the period for which it can do so without a check is as the Product Page states.

18.5 No reverse engineering. You must not reverse engineer, decompile or disassemble the Software, as clause 5.1(f) provides, except to the extent that Applicable Law permits that despite this restriction. Where the law gives you that right, you must first ask us for the information that you need, and we may impose reasonable conditions on providing it.

18.6 Backups and your environment. You are responsible for keeping backups of your own data and files. We are not responsible for any loss, damage or corruption that results from your own computer, network, other software or system settings, or from your failure to keep a backup.

18.7 Beta and preview features. We may offer some features as a beta, a preview or an experiment. They are provided “as is”, they may change or be removed without notice, and they may contain errors. You use them at your own risk, and we may end your access to them at any time.

18.8 Data processed through the Software. Any data that you put into the Software, such as your own files and information, stays yours. We process it only as our Privacy Policy states. You are responsible for having the right to use that data, for example because you own it or have the permission of the people it concerns.

18.9 AI features. Where we offer features that use artificial intelligence, the following terms apply:

(a) AI output may be inaccurate, incomplete or out of date, and it may be similar to the output that other users receive;

(b) you must review any output before you rely on it, and you are responsible for what you do with it;

(d) you must not put unlawful material into an AI feature, and you must not put in the Personal Data of another person unless you have a lawful basis to do so;

(e) we may use third-party AI providers to provide these features, as clause 21 explains;

(f) we do not use your private inputs to train general-purpose models unless you agree to it; and

(g) as between you and us, you own the output to the extent of our rights in it, subject to the terms of the third-party provider and to any right of others in it.

18.10 Acceptable use of the Software. You must not use the Software for any unlawful, harmful or infringing purpose, or to attack, monitor, track or harm any person or system. Clause 5 also applies to your use of the Software.

18.11 Warranty disclaimer. The Software is provided subject to the disclaimer of warranties in clause 25, which applies to it to the fullest extent that Applicable Law allows.

18.12 Termination and removal. When your licence ends, you must stop using the Software and remove it from every device that you control, as clause 4.8 provides. We may disable the Software remotely, where it is technically possible, if your licence has ended or if you have breached these Terms.

18.13 Open-source notices. The documentation for the Software, or a notice within it, identifies the open-source components that it contains and the licences that apply to them. If you ask us at the Support Email, we will tell you where to find those notices. Nothing in these Terms limits any right that you have under an open-source licence.

19. Reviews, comments and testimonials

19.1 Submitting reviews and comments. The Website may allow you to submit a review, a comment or a testimonial about a Product, a Service or the Website. You are not obliged to do so. This clause 19 is the only clause of these Terms that deals with content that you submit to the Website in this way.

19.2 Your responsibility. You are responsible for everything that you submit. By submitting it, you confirm that you have the right to do so, that it is truthful and based on your own experience, and that it is not unlawful, defamatory, infringing, hateful, obscene or misleading. You must not include in it any Personal Data of another person, or any confidential information.

19.3 Licence to us. You keep ownership of what you submit. You grant us a worldwide, non-exclusive, royalty-free licence, for as long as the material is displayed on the Website or in our marketing, to display it, to reproduce it and to edit it for formatting, length or clarity without changing its meaning. If you want us to use your name with your content, we will do so only with your permission, which you may withdraw by writing to us.

19.4 No endorsement. The opinions that people express in reviews, comments and testimonials are theirs alone. We do not endorse them, we do not verify them, and we are not responsible for them. A review is not a statement by us about a Product or a Service, and nobody may treat it as an indication of the result that they will achieve.

19.5 Moderation. We may review, edit, refuse to publish or remove any review, comment or testimonial at any time and for any reason, including where it breaches these Terms, where it is off-topic or where we have received a complaint about it. We have no duty to monitor submissions, and we are not liable if we do not remove material that you consider objectionable.

19.6 No payment for reviews. We do not pay for a review, and we do not make a benefit, a discount or a refund depend on the content of a review. You must not offer or accept payment for a review of our Products or Services, and you must not submit a review of a Product that you have not used.

19.7 Incentives and disclosure. Where we offer an incentive for a review, for example the chance to enter a prize draw, we will say so, and we will require the reviewer to disclose it as Applicable Law requires. The incentive will never depend on the review being favourable.

19.8 Problems with a Product. If your review relates to a problem with a Product or a Service, such as a fault, a missing file or a billing issue, we would prefer to put it right. Please contact us at the Support Email so that we can help you, before or in addition to posting a review.

19.9 Requests to remove content. If you wish to remove a review, a comment or a testimonial that you have submitted, or if you believe that material about you on the Website should be removed, email the Support Email with enough detail for us to find it. We will deal with your request within a reasonable time and in line with Applicable Law.

20. Educational content and results disclaimer

20.1 Educational purpose. The Products and Services are provided for general educational and informational purposes only. They reflect the knowledge and experience of their authors at the time of creation and may become out of date.

20.2 No professional advice. Nothing in the Website, the Products or the Services constitutes, or should be relied on as, legal, financial, investment, trading, tax, accounting, medical, health, psychological, engineering, security or other professional advice, or as a recommendation to take or avoid any action. We are not a registered or authorised adviser, broker, planner or regulated professional in any jurisdiction, unless we expressly state otherwise in writing. You should consult an appropriately qualified professional before making decisions that affect your finances, health, legal position, business or safety.

20.3 No guarantee of results. We make no representation, warranty or guarantee that you will achieve any particular outcome, result, income, profit, saving, growth, grade, qualification, employment, skill level or success by using any Product or Service. Any examples, case studies, figures, earnings statements or testimonials are provided for illustration, are not typical or guaranteed, and do not represent what you should expect. Results depend on many factors, including your background, effort, skill, investment, circumstances, market conditions and factors beyond our control.

20.4 Your decisions and risk. You are solely responsible for your decisions and actions, and you assume all risk arising from your use of any Product or Service. Any activity that involves financial, business, health or personal risk may result in loss, including the loss of your whole investment.

20.5 Accuracy. We make reasonable efforts to ensure that Content is accurate, but we do not warrant its accuracy, completeness, currency or suitability. Laws, regulations, platforms, prices and technologies change.

20.6 Forward-looking statements. Any statements about future performance, trends or outcomes are opinions and predictions only and are not guarantees.

20.7 AI-assisted content. Content and Software may be created or assisted by artificial intelligence tools. We review materials with reasonable care, but AI-assisted content may contain errors. You are responsible for verifying any information on which you rely.

21. Third-party platforms, links and payment processors

21.1 Reliance on Third-Party Platforms. The Website and the Products may link to, or rely on, Third-Party Platforms, such as services for hosting, video, the delivery of learning materials, payments, email, analytics and artificial intelligence providers. We choose them with reasonable care, but we do not control them.

21.2 Their terms apply. When you use a Third-Party Platform, its own terms of use and privacy policy apply to your use of it, in addition to these Terms. You are responsible for reading and accepting them, and you should do so before you use that platform. If its terms conflict with these Terms, its terms govern your use of that platform and these Terms govern everything else.

21.3 No responsibility for third parties. We are not responsible for the content, the availability, the security or the practices of any Third-Party Platform, or for any loss that you suffer through using one, except to the extent that Applicable Law makes us responsible. A failure of a Third-Party Platform does not by itself mean that we have breached these Terms.

21.4 Links. A link from the Website to another website or service is provided for your convenience. It does not mean that we endorse that website or service, its owner or what it offers, and we have not reviewed everything that it contains.

21.5 Payment Processor. The terms of the Payment Processor govern the payments that you make, as clause 9 explains. Where you pay through the Payment Processor, you must follow its rules for the payment, and clause 11.12 applies to refunds that are issued through it.

21.6 Changes to a platform. If a Third-Party Platform changes its service, or ends it, we may move the Product or Service to another platform. We will take reasonable steps to keep your access to the Product during its access period, and we will tell you if you need to take any step to keep that access.

21.7 Names used for identification. The names, logos and trade marks of Third-Party Platforms that appear on the Website or in a Product belong to their owners. We use them only to identify the services concerned, and their use does not mean that we are affiliated with, sponsored by or approved by their owners.

22. Communications, notices and electronic consent

22.1 Consent to electronic communications. You agree that we may communicate with you electronically, by email, by a message on the Website or in your Account, or by another electronic means. You agree that any notice, disclosure, agreement or other communication that we send you electronically satisfies a legal requirement that it be in writing.

22.2 Service messages. We will send you messages that are necessary for your Orders and your Account, such as Order confirmations, receipts, delivery and access details, security alerts and notices of changes to these Terms or to a Product. These are service messages and not marketing, and you cannot opt out of them while you have an Account.

22.3 Marketing messages. We send marketing emails only where Applicable Law permits and, where it requires consent, only with your consent. Every marketing email contains a way to unsubscribe, and we will stop sending marketing messages to you promptly after you do so. Unsubscribing from marketing does not stop service messages.

22.4 Notices to you. We may give you a notice by sending it to the email address that is registered to your Account or that you gave when you placed your Order. We treat the notice as received by you when we send it, whether or not you read it, unless we receive a message that the email could not be delivered.

22.5 Notices to us. Any notice that you give us under these Terms must be sent in writing to the Support Email. It takes effect when we receive it. Where these Terms say that you must notify us within a period, the period runs until the notice reaches us.

22.6 Keeping your details current. You must keep your email address and other contact details up to date, so that you receive our messages. We are not responsible if you miss a message because the address that we hold for you is wrong, out of date or blocked by your own filters.

23. Privacy and data protection

23.1 The Privacy Policy. Our Privacy Policy at https://www.chapterspire.com/privacy-policy/ explains how we collect, use, share and protect Personal Data. It forms part of these Terms by reference, and you agree that we may handle Personal Data as the Privacy Policy describes.

23.2 Your statutory rights. Nothing in these Terms limits any right that you have under Applicable Law about your Personal Data, including any right of access, correction, deletion, objection or complaint. The Privacy Policy explains how you can exercise those rights.

23.3 Personal Data of others. You must not give us, or put into a Product or a Service, the Personal Data of another person unless you have the authority or a lawful basis to do so. If you do, you are responsible for complying with the law that applies to that Personal Data, and you must tell us if you believe that someone’s Personal Data has been shared without a lawful basis.

23.4 Cookies. The Website uses cookies and similar technologies, and the Privacy Policy explains what they are, why we use them and how you can manage them. By using the Website, you accept the use of cookies as the Privacy Policy and Applicable Law allow.

24. Intellectual property complaints and takedown

24.1 How to report. If you believe that material on the Website infringes your Intellectual Property Rights, you may send a notice to the Support Email. We will review every notice that follows this clause 24 and will respond within a reasonable time.

24.2 What the notice must contain. A notice must include:

(a) your name and contact details, and, if you act for the owner of the right, the owner’s name and your authority to act;

(b) a description of the work that you say has been infringed, with enough detail for us to identify it;

(d) a statement that you believe in good faith that the use of the material is not authorised by the owner, its agent or the law;

(e) a statement that the information in the notice is accurate and that you are the owner of the right or are authorised to act for the owner; and

(f) your physical or electronic signature.

24.3 Action on a notice. If a notice is complete, we may remove or disable access to the material while we consider it, and we will tell the person who submitted the material, where we can. We may refuse to act on a notice that is incomplete or that does not appear to be genuine.

24.4 Counter-notice. If your material was removed and you believe that the removal was a mistake or that you are authorised to use the material, you may send us a counter-notice at the Support Email. It must identify the material and where it appeared before it was removed, explain why you believe that the removal was wrong, and include your contact details and your signature. We may restore the material, or we may leave it removed, depending on what the person who sent the first notice says and on Applicable Law.

24.5 Repeat infringers. We may suspend or end the Account of a person who repeatedly infringes the Intellectual Property Rights of others, and we may do so without a refund.

24.6 False notices. A person who knowingly gives us a false or misleading notice, or a false or misleading counter-notice, may be liable for the loss that it causes, including our reasonable costs, to the extent that Applicable Law provides.

24.7 No statutory status. We do not claim to be a service provider that is entitled to the protection of any particular statute, unless that statute applies to us. Nothing in this clause 24 limits any right or remedy that we or any other person has under Applicable Law.

25. Disclaimer of warranties

25.1 “As is” and “as available”. To the extent that Applicable Law permits, the Website, the Products and the Services are provided “as is” and “as available”, without any warranty or condition of any kind, whether express, implied or statutory. We do not promise that they will meet your requirements.

25.2 Warranties that are excluded. To the extent that Applicable Law permits, we disclaim all implied warranties and conditions, including any warranty of merchantability, of fitness for a particular purpose, of non-infringement and of accuracy. We do not warrant that the Website, any Product or any Service will be uninterrupted, timely, secure or free from error.

25.3 Software. We do not warrant that Software is free from bugs, errors or harmful code, or that it will work with your devices or other software. You are responsible for keeping your own backups and for using suitable protection on your own devices.

25.4 No guarantee of results. We give no guarantee of any result or outcome, as clause 20.3 explains. Any reference to a result in the Website or in a Product is for illustration only and is not a warranty.

25.5 Statutory rights preserved. Nothing in this clause 25 affects any statutory guarantee or right that you have as a consumer and that cannot be excluded, as clause 26.3 provides.

26. Limitation of liability

26.1 Excluded losses. Subject to clause 26.3, to the fullest extent permitted by Applicable Law, the Provider and its owners, directors, officers, employees, contractors, affiliates, licensors and agents shall not be liable to you, whether in contract, tort (including negligence), breach of statutory duty, misrepresentation, restitution or otherwise, for any indirect, incidental, special, consequential, exemplary or punitive loss or damage, or for any of the following, whether direct or indirect: (a) loss of profit, revenue, income, savings, business, opportunity, anticipated benefit or contracts; (b) trading, investment or financial loss; (c) loss, corruption or unavailability of data; (d) loss of goodwill or reputation; (e) wasted expenditure; (f) professional fees or the cost of substitute products; or (g) loss arising from your reliance on any Content or on the results of any Product, in each case even if we were advised of the possibility of such loss.

26.2 Cap on liability. Subject to clause 26.3, to the fullest extent permitted by Applicable Law, the total aggregate liability of the Provider to you arising out of or in connection with these Terms, the Products or the Services shall not exceed the greater of (a) the total amount that you actually paid to us for the Product or Service giving rise to the claim in the twelve (12) months before the event giving rise to liability, and (b) one hundred (100) United States dollars or the equivalent in the currency in which you paid.

26.3 Liability that cannot be limited. Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under Applicable Law, including liability for (a) death or personal injury caused by negligence; (b) fraud or fraudulent misrepresentation; (c) wilful misconduct or gross negligence, where the law does not permit its exclusion; or (d) breach of any right that you have as a consumer under mandatory consumer-protection law, including any right to a Product that is as described, of satisfactory quality, fit for purpose and supplied with the right to use it.

26.4 Sole remedy. Subject to clauses 11 and 26.3, your sole and exclusive remedy for dissatisfaction with the Website, any Product or any Service is to stop using it and, where eligible, to claim a refund under clause 11.

26.5 Time limit on claims. To the maximum extent permitted by Applicable Law, any claim arising out of or related to these Terms, the Products or the Services must be commenced within one (1) year (or any different period stated on the relevant Product Page) after the claim arose. Any claim not commenced within that period is permanently barred.

26.6 Allocation of risk. You acknowledge that the prices of the Products reflect the allocation of risk in this clause 26, and that the limitations in it are a fundamental basis of the bargain between you and us.

26.7 Business users. If you are acquiring Products for business purposes, you agree that this clause 26 is reasonable. If you are a consumer, nothing in this clause affects your statutory rights.

27. Indemnification

27.1 Your indemnity. You will indemnify us, and hold us harmless, against any claim, loss, liability, damage and reasonable cost, including reasonable legal fees, that arises from your breach of these Terms, your violation of Applicable Law or of the rights of a third party, or the content that you submit. This duty applies whether the claim is made against us directly or against any of our owners, officers, employees, contractors or licensors.

27.2 Notice and defence. Where it is practicable, we will tell you promptly about a claim that is covered by this clause 27, and we will allow you to take control of its defence, if you do so at your own cost and do not settle it in a way that imposes an obligation on us without our written consent. We may take part in the defence with our own advisers, at our own cost.

27.3 Business users and consumers. This clause 27 applies in full to a person who uses the Website or a Product for a business purpose. It applies to a consumer only to the extent that Applicable Law permits, and nothing in it removes a right that a consumer has under mandatory law.

28. Export controls, sanctions and prohibited jurisdictions

28.1 Your confirmation. By using the Website or placing an Order, you confirm that you are not named on any sanctions list or restricted-party list that applies to us or to the Payment Processor, and that you are not located in, or ordinarily resident in, a country or region that is subject to comprehensive sanctions or an embargo under the laws that apply to us or to the Payment Processor.

28.2 Lawful use. You must not use, export, re-export, transfer or make available any Product, or any part of it, in breach of any export-control or sanctions law that applies. You are responsible for finding out which laws apply to you, and for complying with them.

28.3 Our right to refuse or end service. We may refuse to provide a Product or a Service, cancel an Order, or suspend or end your access, if we reasonably believe that doing so is needed to comply with a law, a sanction or the rules of the Payment Processor. Where we cancel an Order for that reason and are permitted to do so, we will refund what you paid for it, after any deduction that the law requires.

29. Suspension and termination

29.1 Our right to suspend or terminate. We may suspend or end your access to the Website, your Account or any Product or Service if you breach these Terms, if you fail to pay an amount that is due, if we suspect that you are sharing a Product or committing fraud, if the law requires us to do so, or if it is necessary to protect the Website, our other customers or us.

29.2 Notice and remedy. Where it is practicable and lawful, we will give you notice of the reason before we act and a reasonable chance to remedy the problem. We need not do so where the breach is serious, where it cannot be remedied, where delay would cause harm, or where the law prevents it.

29.3 Your right to stop. You may stop using the Website and the Products at any time. You may also close your Account under clause 8.7. Stopping does not end any amount that you already owe, and it does not entitle you to a refund except as clause 11 provides.

29.4 Effect of termination. When your access ends, your licence under clause 4 ends, we may remove your access to every Product linked to your Account, and you must delete or destroy every copy of the Products that you hold, as clause 4.8 provides. We may keep Account data for the periods that the Privacy Policy states.

29.5 Refunds on termination. If we end your access because of your breach, we owe you no refund. In every other case, a refund is due only as clause 11 and Applicable Law provide.

29.6 Termination without cause. If we end your access during a paid access period for a reason other than your breach, non-payment, suspected sharing, fraud, a legal requirement or the protection of the Website, we will refund the unused part of the fee that you paid for that period.

29.7 Survival. Clauses that by their nature are intended to continue after these Terms or your access ends will continue. They include clauses 5, 6, 7, 20, 25, 26, 27 and 31, the restrictions on use, the accrued rights and remedies of each of us and any obligation to pay money that arose before the end of your access.

30. Force majeure

30.1 Events beyond control. We are not liable for a delay in performing, or a failure to perform, any obligation under these Terms where it is caused by an event that is beyond our reasonable control. Those events include natural disaster, war, terrorism, epidemic, an act of government, a failure of power or of the internet, an outage of a Third-Party Platform and a cyber attack that takes place despite our reasonable measures.

30.2 Resumption. If an event of that kind affects us, we will take reasonable steps to limit its effect and to resume performance as soon as it is practicable to do so. We will tell you about a significant delay where we can.

30.3 Payment and statutory rights. An event of that kind does not remove your duty to pay for a Product that has already been delivered to you. This clause does not limit any right that you have under Applicable Law, including a right to a refund where we cannot deliver what you ordered.

31. Governing law and disputes

31.1 Governing law. These Terms, and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with them or their subject matter or formation, are governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to its conflict-of-laws principles.

31.2 Informal resolution. Before commencing any formal proceedings, you agree to send us written notice of the dispute, describing it in reasonable detail, to [email protected], and to negotiate with us in good faith for at least thirty (30) days from our receipt of the notice. Nothing in this clause prevents either party from seeking urgent injunctive or equitable relief.

31.3 Courts. Subject to clauses 31.2 and 31.4, the courts of competent jurisdiction in Nigeria have exclusive jurisdiction to settle any dispute that arises out of or in connection with these Terms, and each party irrevocably submits to that jurisdiction and waives any objection to venue or to an inconvenient forum.

31.4 Consumers. If you are a consumer, nothing in these Terms deprives you of the protection of any mandatory provision of the law of the country in which you reside, and you may bring proceedings in the courts of your country of residence where Applicable Law gives you that right.

31.5 Intellectual property enforcement. Notwithstanding this clause 31, we may seek relief to protect our Intellectual Property Rights in any court of competent jurisdiction.

32. General provisions

32.1 Entire agreement. These Terms, together with the Product Pages and the Privacy Policy, are the entire agreement between you and us about their subject matter. They replace any earlier understanding or statement about it. You confirm that you have not relied on any statement that is not set out in them, but nothing in this clause excludes liability for fraud.

32.2 Severability. If a court or authority decides that any part of these Terms is invalid or unenforceable, that part will be limited or removed to the minimum extent needed, and the rest of the Terms will continue in full force.

32.3 No waiver. If we do not enforce a right or a provision of these Terms, or delay in doing so, that is not a waiver of it. A waiver is effective only if we give it in writing, and a waiver on one occasion is not a waiver on any other.

32.4 Assignment. We may assign or transfer our rights and obligations under these Terms to another person, for example in a sale of our business, and we will tell you if that happens and it affects you. You may not assign or transfer your rights or obligations without our written consent, and any attempt to do so is void.

32.5 No partnership or agency. Nothing in these Terms makes you and us partners, joint venturers, employer and employee, or principal and agent, and neither of us may bind the other.

32.6 Third-party rights. A person who is not a party to these Terms has no right to enforce any of them, except that an Affiliate Partner may rely on clause 15 as it applies to that person.

32.7 Headings and interpretation. Headings are for convenience and do not affect the meaning of these Terms. Clause 2.2 explains how these Terms are to be read.

32.8 Language. These Terms are written in English. If we provide a translation, the English version prevails if the two differ, to the extent that Applicable Law permits.

32.9 Electronic signature. Your agreement to these Terms by clicking a button, ticking a box, placing an Order or using the Website is a valid electronic signature, and it has the same effect as a handwritten signature.

32.10 Survival. Clause 29.7 explains which clauses survive the end of these Terms or of your access.

32.11 Consumer rights. Nothing in these Terms affects any right that you have as a consumer under Applicable Law and that cannot be excluded or limited by agreement.

33. Changes to these Terms

33.1 Our right to update. We may update these Terms from time to time, for example to reflect a change in the law, in a Product or Service, or in how we operate. We will post the updated Terms on the Website with a new “Last updated” date at the top.

33.2 Notice of material changes. If a change is material, we will give you reasonable notice before it takes effect, by email or by a notice on the Website. Where Applicable Law or fairness requires it, the notice will be at least thirty (30) days.

33.3 No retroactive effect. A change does not apply to an Order that you placed before the change took effect. The Terms in force on the Purchase Date continue to govern that Order, unless the change is needed to comply with the law or is more favourable to you.

33.4 Acceptance by continued use. If you continue to use the Website, your Account or a Product after the change takes effect, you accept the updated Terms.

33.5 If you disagree. If you do not agree with a change, you may stop using the Website and the Products before it takes effect, and you may close your Account under clause 8.7.

34. Contact

34.1 For questions, refund requests, privacy requests, legal notices, copyright complaints or any other matter relating to these Terms, contact us at [email protected].

34.2 Our Website is https://www.chapterspire.com. We give no postal address and no telephone number, so please write to us by email and include your Order number and the email address used to buy, where your message concerns an Order.

34.3 These Terms were last updated on 20 October 2026.

Schedule 1: Course refund: proof of effort requirements

S1.1 Purpose. This Schedule sets out what you must provide to be eligible for a refund of a Course under clause 11.3. It exists because the Courses are designed to deliver results only when the material is fully studied and genuinely applied.

S1.2 Completion of the material. You must show that you have gone through all of the Course material, meaning every module, lesson, video, reading and assignment that is part of the Course as delivered to you, by providing at least one of the following: (a) the progress or completion report from the delivery platform; (b) screenshots of your Account showing that each lesson is marked complete; or (c) another record that we reasonably accept.

S1.3 Evidence of effort to apply the material. You must show that you made a genuine effort to apply enough of the material, by providing evidence of the work that you carried out in connection with the Course, which must include the exercises, assignments and action steps that the Course requires. Acceptable evidence may include, as appropriate to the subject of the Course:

(a) completed worksheets, workbooks, templates, plans and assignments;

(b) links to, or screenshots of, work that you produced, published, built, launched or practised;

(d) records, statistics, analytics or logs showing activity and results;

(e) communications, posts or messages showing that you carried out the steps taught; and

(f) records of your participation in live calls, assignments or support interactions that the Course includes.

The following table gives examples of acceptable evidence. It is a guide and not a closed list.

If the Course teaches	Examples of acceptable evidence of effort	Examples of acceptable evidence of completion
A practical or technical skill (for example building, coding, design, editing)	Files, code, designs or projects you produced; screenshots of work in progress; links to published work	Platform progress report showing all lessons complete
A business, marketing or sales skill	Plans, campaigns, pages, outreach messages, or analytics you created or ran; records of activity	Platform progress report or screenshots of completed modules
A creative skill (for example writing, art, music, photography)	Drafts, sketches, recordings, portfolios or exercises you completed	Platform progress report
A language, academic or exam-preparation subject	Completed exercises, practice tests, notes, scores and study logs	Platform progress report and completed quizzes
A health, fitness or personal development habit	Logs, journals, trackers or photographs showing that you followed the programme for the period it recommends	Platform progress report
Any other subject	Worksheets, assignments, notes or other records showing that you applied the steps taught	Platform progress report

S1.4 Written statement. You must include a short written statement, of not less than 200 words, describing what you completed, how you applied it, what happened, and why you are not satisfied with the Course.

S1.5 Order details. You must include your Order number, your name and the email address used to purchase.

S1.6 Where to send it. Send your request and proof to [email protected] within the Refund Period, in a format that we can open, and for large files, by link.

S1.7 What does not qualify. A request will not be valid where (a) it does not include the proof required by this Schedule; (b) it shows little or no effort, or does not show that you implemented most of the Course material; or (c) the stated reason is that you did not have time, changed your mind, found the Course unsuited to a purpose that is not described in it, or needed the money for another purpose.

S1.8 Our review. We will review each complete request in good faith, on the same standard for every purchaser, and notify you of the outcome within the period stated in clause 11.8. We may ask for additional information or clarification, and we may verify records with the delivery platform.

S1.9 Opportunity to supplement. If you submit a request within the Refund Period and we notify you that the proof is incomplete, you may supplement it within seven (7) days of our notice, even if that period ends after the Refund Period.

S1.10 Courses released in stages. Where a Course is released in stages, such as weekly modules or scheduled live sessions, the Refund Period for that Course runs until thirty (30) days after the final module is released to you, and the completion requirement applies to the material released as at the date of your request.

S1.11 Fairness. We offer refunds on this basis because we are confident in the methods that we teach and want each student to give them a fair chance, which is fair to all students. Nothing in this Schedule limits clause 11.10.

S1.12 Accessibility and exceptional circumstances. If a disability, illness, bereavement or other exceptional circumstance prevented you from meeting these requirements, please tell us in your request. We will consider it in good faith, and nothing in this Schedule limits any right that you have under Applicable Law.