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Terms & Conditions

Terms & Conditions

  1. THESE TERMS
    1. What these terms cover. xUnlocked is a comprehensive, on-demand library of professionally produced video tutorials delivered by finance industry practitioner experts. These are the terms and conditions on which we supply services and digital content to you.
    2. Why you should read them. Please read these terms carefully before you submit your order to us. These terms tell you who we are, how we will provide products to you, how you and we may change or end the contract, what to do if there is a problem and other important information. If you think that there is a mistake in these terms or require any changes please contact us to discuss
  2. INFORMATION ABOUT US AND HOW TO CONTACT US
    1. Who we are. We are xUnlocked Limited a company registered in England and Wales. Our company registration number is 11004242 and our registered office is at C/O Mutu Accountancy Ltd, 7 Chelsea Road, Bath, BA1 3DU.
    2. How to contact us. You can contact us by writing to us at C/O Mutu Accountancy Ltd, 7 Chelsea Road, Bath, BA1 3DU.
    3. How we may contact you.If we have to contact you we will do so by telephone or by writing to you at the email address or postal address you provided to us in your order.
    4. "Writing" includes emails. When we use the words “writing” or “written” in these terms, this includes emails.
  3. OUR CONTRACT WITH YOU
    1. How we will accept your subscription. Our acceptance of your subscription will take place when we email you to confirm, at which point a contract will come into existence between you and us.
  4. UPDATES
    1. Updates to digital content. We may update digital content at any time, provided that a material proportion of our digital content shall always match the general description of it that we provided to you before you bought it.
  5. ACCESS TO OUR CONTENT
    1. Our right to amend or withdraw access. We reserve the right to amend or withdraw access to this website if you’re in breach of this agreement or temporarily in order to carry out scheduled maintenance.
    2. Registered users. Some parts of the website are restricted toregistered users. If you are a registered user you must treat any securityinformation (such as but not limited to username and password) as confidential and you should not disclose them.
  6. YOUR RIGHTS TO END THE CONTRACT
    1. Ending the contract because of breach or suspension. You may end this agreement immediately if
      1. we have suspended supply of the services for more than ten days; or
      2. you have a legal right to end the contract because of something we have done in breach of law.
    2. Ending the contract without restriction. If you have selected our monthly subscription you can cancel your paid subscription with 30 days’ notice. If you cancel after 30 days you are entitled to a pro-rated refund. If you have selected our annual subscription you can cancel by providing written notice to us 30 days before the end of twelve months.
  7. OUR RIGHTS TO END THE CONTRACT
    1. We may end the contract if you break it. We may end the contract for a product at any time by writing to you if you do not make any payment to us when it is due and you still do not make payment within thirty days of us reminding you that payment is due.
    2. We may withdraw the product. We may write to you to let you know that we are going to stop providing the product. We will let you know at least sixty days in advance of our stopping the supply of the product and will refund any sums you have paid in advance for products which will not be provided.
  8. NO FINANCIAL ADVICE, NO GUARANTEES OF ACCURACY OR SUITABILITY
    1. Information purposes only. Our content has been prepared solely for informational and educational purposes, and isnotan offer to buy or sell or a solicitation of an offer to buy or sell any security, product, service orinvestment. The opinions expressed in our content donotconstituteinvestment adviceand independentadviceshould be sought where appropriate.
    2. No liability for actions taken as result of viewing content. We do not accept any liability for any loss or damage which is incurred from you acting or not acting as a result of viewing our digital content. You acknowledge thatyou use the information we provide at your own risk
    3. No guarantee of suitability The information we publish has been obtained from expert practitioners. Reasonable care has been taken to ensure the information is accurate and complete, however due to the nature of the service we cannot provide a warranty or guarantee as to the accuracy, completeness or suitability of the information we providefor any particular purpose. You acknowledge that such information may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the extent permitted by law.
  9. PRICE AND PAYMENT
    1. Where to find the price for the product. The price of the product (which excludes VAT) will be the price indicated on the order pages when you placed your order.
    2. We will pass on changes in the rate of VAT. If the rate of VAT changes between your order date and the date we supply the product, we will adjust the rate of VAT that you pay, unless you have already paid for the product in full before the change in the rate of VAT takes effect.
    3. What happens if we got the price wrong. It is always possible that, despite our best efforts, some of the products we sell may be incorrectly priced. We will normally check prices before accepting your order so that, where the product’s correct price at your order date is less than our stated price at your order date, we will charge the lower amount. If the product’s correct price at your order date is higher than the price stated to you, we will contact you for your instructions before we accept your order.
    4. When you must pay and how you must pay. You must pay for our services monthly or annually (as applicable) in advance.
    5. We can charge interest if you pay late. If you do not make any payment to us by the due date we may charge interest to you on the overdue amount at the rate of 3% a year above the base lending rate of Lloyds Bank plc from time to time. This interest shall accrue on a daily basis from the due date until the date of actual payment of the overdue amount, whether before or after judgment. You must pay us interest together with any overdue amount.
    6. What to do if you think an invoice is wrong. If you think an invoice is wrong please contact us promptly to let us know. You will not have to pay any interest until the dispute is resolved. Once the dispute is resolved we will charge you interest on correctly invoiced sums from the original due date.
  10. HOW WE MAY USE YOUR PERSONAL INFORMATION
    1. How we may use your personal information. We will only use your personal information as set out in our PRIVACY POLICY.
  11. OTHER IMPORTANT TERMS
    1. We may transfer this agreement to someone else. We may transfer our rights and obligations under these terms to another organisation. We will contact you to let you know if we plan to do this. If you are unhappy with the transfer you may contact us to end the contract within thirty days of us telling you about it and we will refund you any payments you have made in advance for products not provided.
    2. You need our consent to transfer your rights to someone else (except that you can always transfer our guarantee). You may only transfer your rights or your obligations under these terms to another person if we agree to this in writing.
    3. Nobody else has any rights under this contract (except someone you pass your guarantee on to). This contract is between you and us. No other person shall have any rights to enforce any of its terms except as set out in this agreement. We may amend these terms from time to time and will post updates in the same location.
    4. End Users. If you are a company, you may provide access to individuals within your organisation (“End Users”) strictly in accordance with the terms set out in any order forms agreed between us from time to time. You will ensure your End Users comply with these terms and will be responsible for acts and omissions of End Users as if they were acts and omissions of you.
    5. If a court finds part of this contract illegal, the rest will continue in force. Each of the paragraphs of these terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.
    6. Even if we delay in enforcing this contract, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under these terms, or if we delay in taking steps against you in respect of your breaking this contract, that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date. For example, if you miss a payment and we do not chase you but we continue to provide the products, we can still require you to make the payment at a later date.
    7. Which laws apply to this contract and where you may bring legal proceedings. These terms are governed by English law and you can bring legal proceedings in respect of the products in the English courts.