By purchasing an Online Training Course the following Terms and Conditions (the “Agreement”) are entered into by Troy Training Sparks Ltd (“the Company”, “we”, or “us”) and you (“Client” or “You”), and you agree to the following terms stated herein.  The Company and you may be referred to collectively as “Parties” in this Agreement.

1. APPLICABLE LAW

This Agreement and any dispute or claim arising from it shall be governed by and construed in accordance with the laws of England and Wales.

By purchasing or accessing any Training Course, both Parties agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising from this Agreement.

2. PROFESSIONAL BODY

Troy Training Sparks Ltd is regulated by the Institute of Chartered Accountants in England and Wales (ICAEW).

Information regarding the ICAEW Code of Ethics and regulatory framework can be found at:

www.icaew.com

Nothing within the Training Courses constitutes regulated accountancy, taxation, legal or financial advice unless expressly stated otherwise.

3. DATA PROTECTION

Troy Training Sparks Ltd processes personal data in accordance with:

• The UK General Data Protection Regulation (UK GDPR);
• The Data Protection Act 2018; and
• Any other applicable data protection legislation.

Our Privacy Notice forms part of these Terms and Conditions and explains:

• What personal information we collect;
• How we collect and use it;
• How long we retain it;
• The legal basis for processing;
• Your rights in relation to your personal data.

We may process personal data for purposes including:

• Providing Training Courses;
• Managing your account;
• Processing payments;
• Communicating with you regarding your purchase;
• Complying with legal, regulatory and professional obligations;
• Sending marketing communications where consent has been given or where otherwise permitted by law.

In order to comply with professional and regulatory obligations, certain records may be reviewed by regulators, professional bodies, insurers, professional advisers or appropriately authorised third parties where required.

4. BRIBERY ACT 2010

The Company maintains policies and procedures designed to comply with the Bribery Act 2010 and to prevent bribery and corruption.

5. PROFESSIONAL INDEMNITY INSURANCE

We are required by our professional body ICAEW to have professional indemnity insurance.

Details about the insurer and the territorial coverage are available upon reasonable request.

6. TRAINING COURSES

The Company agrees to provide the Training Courses as described at the time of purchase.

Training Courses may include:

• Online educational programmes;
• Video lessons;
• Downloadable resources;
• Templates;
• Checklists;
• Workbooks;
• Digital tools;
• Additional training materials.

The Training Courses are educational in nature and are designed to support implementation by the participant. You remain solely responsible for implementing any actions, recommendations or strategies presented.

Access is granted for the period stated on the sales page or purchase confirmation.

Unless otherwise specified:

• Access begins on the date of purchase;
• Access is not extended due to inactivity;
• Access periods run from the date access is first granted and not from the date you choose to begin studying.

The Company may occasionally provide additional bonus resources, events, training sessions or support materials. Such bonuses are provided at our discretion and do not form part of the core Training Course offering.

7. PARTICIPANTS

The Training Courses are intended only for individuals aged 18 years or over.

By purchasing a Training Course, you confirm that you are at least 18 years of age and legally capable of entering into a binding contract.

8. WEBSITE TERMS

The Company's Privacy Policy, Website Terms of Use and Disclaimer are incorporated into this Agreement by reference.

Where there is any conflict between these Terms and the Website Terms of Use, these Terms shall prevail.

9. FEES

The fee payable for a Training Course shall be the price displayed at the time of purchase.

Training Courses may be purchased:

• Via a single upfront payment; or
• Through a fixed monthly payment plan.

Where a payment plan is selected, you acknowledge and agree that:

• The payment plan represents a commitment to pay the full Training Course fee over the agreed payment period.
• The payment plan is not a monthly subscription that can be cancelled at any time.
• You remain liable for all payments due over the full agreed term regardless of usage, participation levels, completion or non-completion of the Training Course.

If a payment becomes overdue or a card payment is declined, the Company reserves the right to:

• Request an alternative payment method;
• Re-attempt collection of outstanding amounts;
• Suspend access to the Training Course;
• Restrict access to associated materials and resources;
• Withhold certificates of completion;
• Recover outstanding debts through appropriate legal means.

Suspension of access does not cancel your payment obligations.

All fees due under a payment plan remain payable in full for the agreed payment period.

Access will be reinstated once overdue amounts have been paid.

The Company reserves the right to amend prices for future purchases at any time.

10. METHODS OF PAYMENT

By providing payment details, you authorise the Company and its payment processing providers to charge the agreed fees using your chosen payment method.

If a payment plan is selected, you authorise recurring payments until all amounts owed under the payment plan have been collected.

You agree to:

• Keep payment information accurate and up to date;
• Notify us promptly of changes to payment details;
• Provide an alternative payment method if a payment fails.

Failure to do so may lead to suspension of access.

11. REFUNDS AND CANCELLATION RIGHTS

If you are purchasing as a consumer, you may have statutory cancellation rights under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

Where immediate access to digital course materials is provided following purchase, you expressly request immediate access and acknowledge that your statutory right to cancel may end once access to the digital content has begun.

Except where required by law:

• Course fees are non-refundable once access has been granted.
• No refunds will be provided for unused portions of Training Courses.
• No refunds will be provided due to lack of participation, change of circumstances or failure to complete the Training Course.

Nothing in these Terms and Conditions affects your statutory rights under the Consumer Rights Act 2015, including rights relating to digital content that is not as described, not fit for purpose or not of satisfactory quality.

12. INTELLECTUAL PROPERTY

All intellectual property rights in the Training Courses, course materials, software, resources, templates, presentations, recordings and related content remain the sole property of the Company or its licensors.

 You are not authorised to: -

• copy, modify, reproduce, re-publish, sub-licence, sell, upload, broadcast, post, transmit or distribute any of the Training Course/s Materials without prior written permission;
• record on video or audio tape, relay by videophone or other means the Online Training Course/s without prior written permission;
• use the Training Course/s Materials in the provision of any other course or training whether given by us or any third party trainer;
• remove any copyright or other notice of the Company on the Training Course/s Materials;
• modify, adapt, merge, translate, disassemble, decompile, reverse engineer (save to the extent permitted by law) any software forming part of the Online Training Course/s.

any part of the Training Courses without prior written permission.

You may not use any materials provided as part of another training programme, consultancy service, business offering or educational product.

You are granted a limited, non-exclusive, non-transferable licence to access and use the materials solely for your own personal or internal business development purposes.

Any actual or suspected infringement may result in immediate termination of access and legal action.

13. CONFIDENTIALITY AND ACCOUNT SECURITY

You are responsible for maintaining the confidentiality of your login details.

You agree not to:

• Share access credentials;
• Permit another person to access your account;
• Distribute content from the Training Course;
• Create multiple users from a single licence.

The Company reserves the right to investigate suspected breaches and to suspend access where misuse is identified.

14. SUSPENSION OF ACCESS

The Company reserves the right to suspend or terminate access to any Training Course(s), membership areas, digital resources or associated services where:

• Payment is overdue;
• These Terms and Conditions have been breached;
• Unauthorised sharing of content is suspected;
• Fraudulent or inappropriate use of the Training Course(s) is identified
•  There is misuse of the platform or course materials.

No refund shall be due where access is suspended or terminated for a breach of these Terms and Conditions.

Outstanding fees shall remain payable in accordance with the agreed payment terms.

15. LIABILTY

The Company will use reasonable skill and care in the preparation and delivery of Training Courses.

Except as required by law:

• The Company shall not be liable for any indirect or consequential loss.
• The Company shall not be liable for any loss of profit, business opportunity, goodwill, anticipated savings or revenue.
• The Company shall not be liable for business decisions made by participants based upon information contained within the Training Courses.

The Company's total liability arising out of or in connection with the Training Courses shall not exceed the amount paid by you for the relevant Training Course.

Nothing in these Terms excludes liability for:

• Death or personal injury caused by negligence;
• Fraud or fraudulent misrepresentation;
• Any matter that cannot lawfully be excluded under English law.

16. INDEMNITY

You agree to indemnify and hold harmless the Company against losses, liabilities, claims, damages, legal fees and costs arising from:

• Your breach of these Terms;
• Your unlawful use of the Training Courses;
• Your unauthorised disclosure or distribution of Training Course content.

17. SEVERABILITY

If any provision of this Agreement is found to be unlawful or unenforceable, the remainder of the Agreement shall remain in full force and effect.

18. DISCLAIMERS

The Training Courses provide education and information only.

Nothing within the Training Courses constitutes:

• Legal advice;
• Tax advice;
• Financial advice;
• Investment advice;
• Regulated professional advice.

Any actions taken following participation are entirely your own responsibility.

Results will vary between individuals and businesses.

The Company makes no guarantee that any participant will achieve any specific result.

19. MODIFICATION OF TERMS

The Company reserves the right to amend these Terms and Conditions from time to time.

Updated versions will be published on the Company's website.

Where material changes are made, existing users may be notified by email.

20. EARNINGS DISCLAIMER

The Company does not guarantee any level of:

• Income;
• Revenue;
• Profit;
• Business growth;
• Client acquisition;
• Financial performance.

Success depends upon numerous factors outside the Company's control, including market conditions, personal effort, business decisions, experience and implementation.

Any examples, illustrations or case studies provided are for educational purposes only and should not be interpreted as guarantees of future results.

21. FORCE MAJEURE

The Company shall not be liable for any delay or failure to perform its obligations where such delay or failure arises due to events beyond its reasonable control, including but not limited to:

• Natural disasters;
• Fire;
• Flood;
• Severe weather;
• Pandemic;
• Epidemic;
• Cyber attack;
• Power failure;
• Internet outage;
• Government action;
• Industrial dispute;
• Terrorism;
• Illness, incapacity or death of a trainer.

Where possible, the Company will take reasonable steps to minimise disruption and resume services as soon as practicable.