Terms&Conditions

We are Poynton Ryan Ltd trading as Cogito Wealth, a company registered in England and Wales under company number: 08632043. Our registered office is at: 2 Manor Farm Court Old Wolverton Road, Old Wolverton, Milton Keynes, Buckinghamshire, England, MK12 5NN. Our VAT number is: 299 0841 57 34.

How to contact us

You can contact us by sending an email to learn@cogito-wealth.co.uk or calling us on 07738 278545.

These terms
1. These terms apply to any purchases you make on our website. Please read these terms carefully before you place any orders on our site, as they set out important information about your and our rights and obligations. Please note that you must agree to these terms before you place your order.
2. For the purposes of these terms, you are a ‘consumer’ if you are buying from our site as an individual for purposes wholly or mainly outside of your trade, business, craft or profession. You are a ‘business customer’ if you are buying from our site for purposes relating to your trade, business, craft or profession. Some terms only apply to your order if you are a consumer and other terms only apply to your order if you are a business customer, so please make sure you read these terms carefully.
3. Any reference to ‘we’, ‘us’ or ‘our’ in these terms is to Cogito Wealth, and any reference to ‘you’ or ‘your’ is to the person placing an order on our site.
4. You must be at least 18 years old and a resident of the UK to place an order on our site. If you are a business customer placing an order on behalf of a business, you confirm that you have authority to place such order for and on behalf of that business.
5. We may make changes to these terms at any time. However, the terms which apply to your order will be those in force at the time you submitted your order to us.
6. Please print out or save a copy of these terms and any emails from us for your records, as we will not save or file a copy for you. These terms are only available in English.
Orders
1. Please check your order carefully and correct any errors before you submit it to us. It is your responsibility to provide the correct information for any order, including but not limited to the correct legal spelling of all names, email addresses, business names with correct registered and trading addresses, and contact telephone or mobile numbers.
2. After you place your order, we will send you an acknowledgment email to let you know that we have received your order. This does not mean that your order has been accepted by us. Your order is an offer to buy goods, services, or digital content from us on these terms. Any further communication between us and you about any aspect of your potential order, including but not limited to discussing any bespoke goods, services and digital content does not mean your order has been accepted by us.
3. Acceptance of your order by us takes place when we send you an order confirmation email, at which point a legally binding contract is formed between you and us on these terms.
4. If we do not accept your order, for example because we are unable to take payment, what you’ve ordered is unavailable, you are under 18 or there has been a mistake regarding the pricing or description of the goods, services, or digital content, we will email you using the details you provided when you placed your order. We have the right to reject any order for any reason.
5. We also reserve the right to deny the supply of goods, services, or digital content, including any entry to a course or event, if any personal or business name, physical or email address or contact number is incorrect.
6. All payment and renewal terms for any single or multiple order for goods, services and digital content, including membership programs which contains the prospect of an automatic renewal will be clearly written and available on our website https://www.cogito-wealth.co.uk/shop.
Availability
1. All orders are subject to availability.
2. We cannot guarantee that any goods, services, or digital content will be available at any given time. We also cannot guarantee that access to services or digital content will be uninterrupted, error free or secure. For example, access to digital content may be temporarily unavailable while we carry out maintenance or for other technical reasons.
3. In certain circumstances beyond our control, for example where there has been a change in law, we may need to stop supplying certain goods, services, or digital content. If this happens and it affects your order, we will notify you by email, cancel your order and:
  1. in respect of any affected services, provide you with a refund of any advance payments made by you for any affected services that have not yet been provided; and
  2. in respect of any affected goods or digital content, provide you with a full refund.
Making changes to your order

6.1 If you would like to make any changes to your order after you have submitted it, please contact us as soon as possible and we will let you know if it is possible to change your order. This does not mean that are obliged to change your order and it is your responsibility to ensure that the information you provide for the order is correct.

6.2 We reserve the right to make any minor or technical adjustments or changes as required by law to your order.

Descriptions
1. Descriptions of our goods, services and digital content are set out on our site. Please read the descriptions carefully.
2. Any pictures and images provided on the site, including of packaging, are for illustration purposes only. Your goods and their packaging may vary slightly from those pictures or images.
3. We cannot guarantee that the colours displayed on your device will match exactly the appearance of your goods. The colours of the goods displayed on our site may vary depending on what device you are using and your settings.
Technical requirements for digital content
1. To download and use the digital content, your device needs to have the necessary IT capability to download, and view excel documents, google sheets, PDF documents and view videos with also the ability to access any communication apps such as Microsoft Teams, Zoom and others which we will inform you about if and when required.
2. You will need internet access to download the digital content and you are responsible for any charges you may incur in connection with your download.
3. We are not liable to you if you are unable to download the digital content due to a poor internet connection, because your device does not meet the minimum technical requirements, or for any other reason outside of our reasonable control.
Delivery of goods
1. We will deliver any of your goods to the address specified by you when you placed your order.
2. If no one is available to take delivery, we will follow the delivery instructions you provided to us (e.g., leaving it in a specified safe location or delivering it to a neighbour) and email you to let you know where we have left your package. If we are unable to follow your delivery instructions, we will notify you by email, cancel your order and refund you the price of the goods, but not the delivery charge.
3. Please examine the goods as soon as reasonably possible after delivery and notify us of any fault or damage as soon as reasonably possible.
4. Once your order has been delivered to your address or in accordance with the delivery instructions you provided to us, the risk in the goods passes to you and the goods are classed as having been ‘delivered’. This means that you are responsible for the goods, and we are not liable to you if the goods are stolen or damaged after they have been delivered to you. This does not affect your legal rights if the goods are faulty or misdescribed. Ownership of the goods passes to you once you have paid for them in full.
Delivery dates and costs
1. For information on any relevant delivery options and costs, go to www.cogito-wealth.co.uk. We do not deliver to any address outside of the UK.
2. Your goods will be delivered on the selected delivery date or within the delivery period specified, depending on the delivery option you chose when you placed your order. We will deliver your order within 30 days of the order confirmation email unless otherwise agreed between you and us.
3. Any delivery dates stated during the order process, or in your order acknowledgment or order confirmation emails, are estimates, unless we have agreed a specific delivery date with you.
4. We will do all that we reasonably can to deliver your order within the delivery period or on the delivery date agreed with you. If your delivery is delayed, we will email you to let you know as soon as reasonably possible. However, we are not liable to you for any losses you incur if delivery is delayed because of circumstances beyond our reasonable control for example, severe weather, accidents, or unpredictable traffic delays.
Providing services
1. We will provide the services, whether online or in person, at the times and on the dates selected by you or within the period agreed with you during the order process.
2. For services provided over a period of time, any completion dates stated during the order process, or in your order acknowledgment or order confirmation emails, are estimates.
3. The services, if delivered in person, will be provided at the location specified by you and agreed by us when you placed your order.
4. Certain services are only available online. Where this is the case, it is specified on our site. Online services will be provided www.cogito-wealth.co.uk.
5. We will do all that we reasonably can to provide the services at the times and dates or within the period agreed with you. If there might be a delay before we can start or restart the services, we will email you to let you know as soon as reasonably possible. However, we are not liable to you for any losses you incur because of any delay caused by circumstances beyond our reasonable control, for example but not limited to electricity outages (affecting any digital service or digital platform provider), severe weather, accidents, or unpredictable traffic delays.
6. Where a delay is caused by circumstances beyond our control, we will usually try to start or restart the services as soon as the issue causing the delay has been resolved. If the services are delayed by more than 5 working days, we will email you to let you know and offer you the option to either continue waiting until the issue has been resolved, if this is possible, or to cancel your order and get a refund of any advance payments made by you for any services that have not yet been provided.
7. We are not liable to you for any losses you incur where the services are delayed or cannot be performed because you fail to attend any training session because of your own neglect or personal actions or fail to provide us with adequate instructions or information to allow us to perform the services.
8. We are entirely within our right to ask you to leave a course, or forbid re-entry to the same or future course, and cancel any service or membership should your behaviour or conduct be immoral, criminal, threatening, offensive, problematic, disorderly, or unprofessional in any capacity towards us or other individuals, whether on the premises or outside of the premises at any event’s location and at any other event at any time during the supply of our services to you.
Delivery of digital content
1. The digital content you purchase can be downloaded by clicking on the download link in your order confirmation email or by logging into your membership account or in any other acceptable way provided by us for you to access the digital content. Please note that, if you are a consumer, you lose your right to cancel your order once you start to download or access the digital content. See clause 17 below for more information on your cancellation rights.
2. Any purchased digital content will be available to download or to be accessed and for use only to the extent that you have paid and continue to pay all monies owed to us under any purchase between you and us.
3. If you do not own the device you use to download or access the digital content, you must obtain permission from the owner to download or access the digital content onto their device.
4. If you are having trouble downloading or accessing the digital content, please email us at learn@cogito-wealth.co.uk.
5. Instructions on how to use the digital content will either be set out on our website, or in any email to you or in our membership area in respect to any purchased digital content.
Permission to use the digital content
1. We give you a licence to download and use the digital content provided you strictly follow all the rules in these terms. The licence starts when you download the digital content.
2. If you are a consumer, the licence is for your personal and domestic use only. You must not use the digital content for commercial, business or resale purposes.
3. If you are a business customer, the licence is for your internal business purposes only. You must not use the digital content for any resale purposes.
4. You do not, and will not, own the digital content or any of its contents but you may use it as set out in these terms. You are not allowed to pretend that the digital content is your own or make it available to other to stream, or download, or use. It is also strictly forbidden to use any technological devise to record or attempt to record, or duplicate, any audio or visual part of any event or course.
5. You must not conceal, change, or remove any markings which show who owns the digital content, such as copyright (©), registered trade mark (®) or unregistered trademark (™) markings, or try to circumvent any digital rights management or technical protection measures put in place to prevent you form using the digital content in a way that you are not allowed to.
6. If you do not comply with this clause 13, we have the right to end our contract with you immediately by sending an email to the address you provided when you placed your order.
7. If we end our contract with you in accordance with clause 13.6:
  1. we may seek to recover reasonable compensation from you according to law to cover losses resulting directly from your breach of this clause 13;
  2. you must immediately stop using the digital content;
  3. we may remotely block your access to the digital content;
  4. you must delete or remove the digital content from any devices; and
  5. we may delete or suspend access to your account.
Use restrictions
1. If you are a consumer, any goods, services, or digital content are provided to you for your domestic and personal use only. You must not use our goods, services, or digital content for commercial, business or resale purposes.
2. If you are a business customer, any goods, services, or digital content are provided to you for your internal business purposes only. You must not use our goods or digital content for resale purposes, and any services you purchase must be for the purposes of your named business only and not for or on behalf of any third party.
3. Your use of any digital content is also subject to clause 13 above.
Prices
1. Prices for our goods, services and digital content are set out on our site. Prices for bespoke goods, services and digital content that are not mentioned on our website will be agreed only when we and you have discussed and approved all requirements and specifications in detail. All prices are in pounds sterling (£) (GBP) and include VAT at the applicable rate but exclude delivery charges and any other disbursements or expenses which are required for any bespoke goods, services, and digital content. For information on delivery options and costs, go to www.cogito-wealth.co.uk.
2. Prices for our goods, services, and digital content, as well as delivery charges, may change at any time. Except as set out in clause 15.3 below, such changes will not affect existing orders.
3. If there has been an error on the site regarding the pricing of any of our goods, services, or digital content and this affects your order, we will try to contact you using the contact details you provided when you placed your order. We will give you the option to re-confirm your order at the correct price or to cancel your order. If we are unable to contact you, we will treat the order as cancelled and notify you by email.
Payment
1. We accept the majority of debit and credit cards. All credit card and debit card payments need to be authorised by the relevant card issuer.
2. All payments, whether paid in full, or by any agreed payment plan, or by direct debit instalments will be offered subject to the goods or digital content or services you buy from us with each payment option provided under the description section on our website and subsequently confirmed in any confirmation email by us to you. We will take payment from your card before we send you your order confirmation email.
3. If we are unable to take payment from your card, we will try to contact you using the contact details you provided when you placed your order. If we are unable to contact you, we will cancel your order and notify you by email.
4. If your payment is not received by us when due, we may charge interest on any balance outstanding at the rate of 4% percentage points per year above The Bank of England’s base rate. Interest will be charged from the date any outstanding balance becomes due up to and including the date all outstanding sums have been paid in full by you.
Consumer cancellation rights

This clause 17 only applies to you if you are a consumer.

Except in the circumstances listed in clause 17.2, you have the right to change your mind and cancel your order as follows:
1. in respect of orders for goods, you have 14 days from the delivery date to cancel your order; and
2. in respect of orders for services or digital content, you have 14 days from the date of your order confirmation email to cancel your order.
You do not have the right to cancel orders for perishable, bespoke or personalised goods. You also lose your right to cancel in the following circumstances:
1. if you remove or break a protective or any seal attached to any goods;
2. if you requested for us to start providing the services during the 14-day cancellation period and the services are fully performed during this period; or
3. once you start to download the digital content or from the date you access the digital content.
We will not provide any services during the 14-day cancellation period unless you request for us to do so when you place your order. We are under no obligation to accept your request.
There are certain goods, services and digital content that are able to be accessed immediately once an order is confirmed by us. The 14-day cancellation period will be waived by you when you make an order under this clause. Those services and digital content that provides immediate access by us to you are clearly labelled on our website.
To cancel your order, please email us at learn@cogito-wealth.co.uk or call us on 07738 278545. To help us process your cancellation more quickly, please have your order number ready or include it in the email you send to us or in any internal system we use which you may have access to.

Returning goods if you cancel your order

This clause 18 only applies to you if you are a consumer.

If you cancel an order for goods and you have already received your order, you must return the goods to us within 14 days of telling us that you want to cancel your order. The deadline is met if you send the goods back to us before the 14-day period has expired.
We strongly recommend that you get proof of postage. We may withhold the refund until we have received the goods back from you or until you have provided us with evidence of a receipt, with tracking number that shows have sent the goods back (whichever is earlier).
Goods must be returned to us in a new and unused condition and, to the extent possible, in their original packaging. You are responsible for the goods while they are in your possession.
Unless the goods are faulty or misdescribed, you are responsible for the cost of returning the goods to us. The address to return goods is to Cogito Wealth at The Herefords, Unit 6, Strixton Manor Business Centre, Strixton, Wellingborough, NN29 7PA.

Refunds if you cancel your order

This clause 19 only applies to you if you are a consumer.

If you exercise your right to cancel under clause 17, we will provide you with a refund as soon as possible.
If you cancel an order for goods and have already received goods, we will issue the refund no later than 14 days after the day we receive the goods back from you or, if earlier, you provide us with evidence that you have sent the goods back. Otherwise, we will issue the refund no later than 14 days after the day on which you told us that you want to cancel.
Your refund will be subject to the following deductions:
1. our delivery option will always be the cost of a standard delivery and a refund will be based on that amount only;
2. if you handled the goods in a way beyond what might reasonably be permitted in a shop and this resulted in a loss in value of the goods, we may make a deduction from the refund for such loss in value; and
3. if services have been provided during the 14-day cancellation period at your request, we will make deductions from any refund due to you for the services we provided up to the time that you told us that you want to cancel.
We will issue your refund to the same payment method you used when you placed your order.
If the right to cancel does not apply because of one of the circumstances listed in clause 17.2, you will not be entitled to a refund unless the goods, services or digital content are faulty. See clause 20 below.

Faulty goods, services or digital content—consumers

This clause 20 only applies to you if you are a consumer.

Any goods or digital content that we provide to you must be as described, fit for purpose and of satisfactory quality. Any services that we provide to you must be provided with reasonable care and skill.
We are under a legal duty to supply goods, services and digital content that are in conformity with our contract with you.
During the expected lifespan of any goods that you have purchased from us, you are entitled to an immediate refund if your goods are faulty, and if the goods cannot be repaired or replaced, then you are entitled to a full refund in most cases within six months.
If a service is not carried out with reasonable care and skill, you can ask us to repeat the service or to fix it or get some money back if we cannot fix it.
If your digital content is faulty, you are entitled to a repair or a replacement. If the fault cannot be fixed, or if it has not been fixed within a reasonable time and without significant inconvenience to you, you can get some, or all, of your money back.
If you can show that a fault in the digital content has damaged your device and we have not used reasonable care and skill, you may be entitled to a repair or compensation.
Should you require to cancel any ‘1-2-1’ session (and/or any other bespoke services by us to you) for any reason that isn’t caused by our actions, errors or faults, you will not be entitled to any refund or replacement session. If we do provide a refund, or a partial refund, or another replacement date for the ‘1-2-1’ sessions (and/or any other bespoke services), it will always be at our discretion and in any event, any decision by us to you will be subject to availability and will not hinder any element of our business and our ability to provide any of our services to others.
This is a summary of some of your key rights. They are in addition to your cancellation rights set out in clause 17 above. For more detailed information on your rights, visit the Citizens Advice website at www.citizensadvice.org.uk or call 0808 223 1133.
If there is a problem with any goods, services, or digital content you have purchased from us, please contact us as soon as possible.

Faulty goods, services or digital content—business customers

This clause 21 only applies to you if you are a business customer.

Any goods you purchase will from the date of delivery for a period of 5 calendar days (as described in clause 9.4) conform in all material respects to their descriptions on the site, be free from material defects in design, material, and workmanship; and be of satisfactory quality within the meaning of the Sale of Goods Act 1979.
Any services you purchase will be performed with reasonable care and skill within the meaning of section 13 of the Sale of Goods and Services Act 1982 and be free from material defects at the time the services are completed.
Any digital content you purchase will operate materially in accordance with its description on the site from the date the digital content is first made available for download.
Subject to you complying with your obligations under clause 21.5, we will in each case at our option and our discretion:
1. repair, or replace any goods that do not comply with clause 21.1;
2. remedy or re-perform any services that do not comply with clause 21.2; or
3. correct the errors in or replace any digital content that does not comply with clause 21.3.
If there is a breach of clause 21.1, clause 21.2 or clause 21.3, you must:
1. notify us by email to learn@cogito-wealth.co.uk within the relevant period as follows:
  1. in respect of a breach of clause 21.1, within 5 calendar days;
  2. in respect of a breach of clause 21.2, within 5 calendar days from the date that the services are completed; or
  3. in respect of a breach of clause 21.3, immediately from when you have access to such digital content and in any event no later than 2 calendar days.
2. provide us with sufficient information as to the nature and extent of the defects, including to enable us to reproduce the errors or investigate the defect;
3. give us a reasonable opportunity to examine the defective goods or otherwise investigate the defect; and
4. return the defective goods to us at your expense.
Clause 21.4 sets out your sole and exclusive remedy for any breach of clauses 21.1 to 21.3 (inclusive).
We give no warranties and make no representations in relation to the goods, services or digital content, and all the conditions implied by sections 13–15 of the Sale of Goods Act 1979 and sections 12–16 of the Supply of Goods and Services Act 1982, and any implied terms relating to the ability to achieve a particular result, whether express or implied by statute, common law or otherwise are excluded to the extent permitted by law.
Should you require to cancel any ‘1-2-1’ session (and/or any other bespoke services by us to you) for any reason that isn’t caused by our actions, errors or faults, you will not be entitled to any refund or replacement session. If we do provide a refund, or a partial refund, or another replacement date for the ‘1-2-1’ sessions (and/or any other bespoke services), it will always be at our discretion and in any event, any decision by us to you will be subject to availability and will not hinder any element of our business and our ability to provide any of our services to others.

Events beyond our control

We are not liable to you if we fail to comply with these terms because of circumstances beyond our reasonable control.

Our liability to consumers

This clause 23 only applies to you if you are a consumer.

If we breach these terms or are negligent, we are liable to you for foreseeable loss or damage that you suffer as a result. By ‘foreseeable’ we mean that, at the time the contract was made, it was either clear that such loss or damage would occur, or you and we both knew that it might reasonably occur, because of something we did or failed to do.
We are not liable to you for any loss or damage that was not foreseeable, any loss or damage not caused by our breach or negligence, or any business loss or damage.
Nothing in these terms excludes or limits our liability for any death or personal injury caused by our negligence, liability for fraud or fraudulent misrepresentation, or any other liability that the law does not allow us to exclude or limit.

Our liability to business customers

This clause 24 only applies to you if you are a business customer.

Subject to the below, our liability under or in connection with these terms, regardless of whether such liability arises in tort, contract or in any other way and whether or not caused by negligence or misrepresentation, will not exceed the total amount of the order itself.
We will not be liable to you under or in connection with these terms, regardless of whether such liability arises in tort, contract or in any other way and whether or not caused by negligence or misrepresentation, for:
1. consequential, indirect or special losses; or
2. any of the following (whether direct or indirect):
  1. loss of profit;
  2. loss or corruption of data;
  3. loss or corruption of software or systems;
  4. loss or damage to equipment;
  5. loss of use;
  6. loss of opportunity;
  7. loss of savings, discount or rebate (whether actual or anticipated); or
  8. harm to reputation or loss of goodwill.
Nothing in these terms will limit or exclude our liability for:
1. death or personal injury caused by negligence;
2. fraud or fraudulent misrepresentation; or
3. any other losses which cannot be excluded or limited by law.

Your information

Any personal information that you provide to us will be dealt with in line with our Privacy Policy available here https://www.cogito-wealth.co.uk/privacy, which explains what information we collect and hold about you, and how we collect, store, use and share such information.

No third party rights

No one other than us or you has any right to enforce any of these terms.

Complaints
1. If you are unhappy with us or the goods, services, or digital content we have provided to you, please contact us at learn@cogito-wealth.co.uk. You can also find our ‘Complaints’ procedure on our website and by clicking on this link: https://www.cogito-wealth.co.uk/complaints.
2. If you are a consumer and your complaint cannot be resolved or you are unhappy with the outcome, you may want to contact Citizens Advice by going to https://www.citizensadvice.org.uk/ to find the name of ADR provider (if possible) and submit your complaint to that provider. ADR is a process for resolving disputes that does not involve going to court. If you do not wish to use ADR, or are unhappy with the outcome of ADR, you can still bring court proceedings.
Governing law and jurisdiction
1. If you are a consumer, the laws of England and Wales apply to these terms, although if you are resident elsewhere you will retain the benefit of any mandatory protections given to you by the laws of that country. Any disputes will be subject to the non-exclusive jurisdiction of the courts of England and Wales. This means that you can choose whether to bring a claim in the courts of England and Wales or in the courts of another part of the UK in which you live.
2. If you are a business customer, these terms and any dispute or claim arising out of, or in connection with, the terms, their subject matter or formation, including non-contractual disputes or claims, will be governed by, and construed in accordance with, the laws of England and Wales. You and us both irrevocably agree that the courts of England and Wales will have exclusive jurisdiction to settle any dispute or claim arising out of, or in connection with, these terms, their subject matter or formation, including non-contractual disputes or claims.
General terms
1. You are not allowed to transfer your rights under these terms to anyone without our prior written consent. We may transfer our rights under these terms to another business without your consent, but we will notify you of the transfer and make sure that your rights are not adversely affected as a result.
2. If any provision of these terms (or part of any provision) is or becomes illegal, invalid, or unenforceable, the legality, validity, and enforceability of any other provision of these terms will not be affected.
3. If you breach these terms and we take no action, we will still be entitled to use our rights and remedies in any other situation where you breach these terms.
4. If you are a business customer, any variation to these terms will not be binding unless expressly agreed in writing between you and us.
5. If you are a business customer, you, and we both agree that these terms constitute the entire agreement between you and us in relation to your order. You acknowledge that you have not entered into these terms in reliance on any representation or warranty that is not expressly set out in these terms and that you will have no claim for innocent or negligent misrepresentation on the basis of any statement in these terms.
6. Our products, services or digital content in no way is or deems to be an official or unofficial provider of financial, property, mortgage, accounting, or tax advice and as a result, any information provided through our goods or products, services or digital content is for information purposes only.
7. We are not liable for any action, decision, investment, or project undertaken by you, whether as consumer or business customer, and whether during or after being exposed or subject to any of our products, services, or digital content, which in any event is always given on an information only basis.
8. Our website may provide links to third parties and their websites. This is neither an endorsement of a third party’s own terms and conditions, or of their goods, products and services, nor is any third party’s term and conditions relevant or connected to in any manner to our own online consumer and business terms.
9. It is strictly forbidden to use, copy, falsely represent, imitate, duplicate, replicate, or sell onwards to another party, individual or entity any goods, services or digital content provided by us. This extends to the strict prohibition of using such technologies that would allow for any of the above to take place.
10. It is your sole responsibility to attend any course on time and bring along all relevant materials and information as provided, directed, or required by us once the provision of goods, services and digital content has been ordered and paid for.
11. It is at our absolute discretion to create, devise, plan or enter into an agreement with you for any bespoke goods, services or digital content and once the price has been agreed, the payment for the price (plus any applicable VAT) of any bespoke contract is to be fully paid by you.
12. Any goods, services and digital content provided by us may contain our intellectual property rights and will remain in the property in our name or if different, the party who owns it or the third party who licences it to that party at any time. For the avoidance of doubt, intellectual property rights means copyright, rights related to copyright such as moral rights and performers rights, patents, rights in inventions, rights in confidential information, know-how, trade secrets, trade marks, geographical indications, service marks, trade names, design rights, right in get-up, database rights, databases, the right to sue for infringement, unfair competition and passing off, and all similar rights of whatever nature wherever in the world arising, and in each case:
  1. whether registered or not;
  2. including any applications to protect or register such rights;
  3. including all renewals and extensions of such rights or applications;
  4. whether vested, contingent or future; and
  5. wherever existing.

Terms & Conditions

15 Prices

16 Payment

17 Consumer cancellation rights

18 Returning goods if you cancel your order

19 Refunds if you cancel your order

20 Faulty goods, services or digital content—consumers

21 Faulty goods, services or digital content—business customers

22 Events beyond our control

23 Our liability to consumers

24 Our liability to business customers

25 Your information

26 No third party right

27 Complaints

28 Governing law and jurisdiction

29 General terms