1. ABOUT THESE TERMS & CONDITIONS

1.1 What these terms cover.

These are the terms which apply to your use of our Live to Thrive site at http://live-to-thrive.com (our site), including the terms which apply if we provide any of our services to you (including our life coaching program sessions).

1.2 Why you should read them.

Please read these terms carefully before you begin using our site, and before you submit any order to us. These terms tell you who we are, the rules for using our site, how we will provide services to you, how you and we may change or end any contract in relation to our services, what to do if there is a problem and other important information.

1.3 Your acceptance of these terms.

By using our site, or by ordering any of our services, you confirm that you accept these terms and that you agree to comply with them. If you do not agree to these terms, you must not use our site. We recommend that you print a copy of these terms for future reference. Please note that these terms may be amended or updated from time to time (see clause 6.1 below). You may also be asked to confirm your acceptance of these terms in writing when ordering services from us, either via email or by ticking an acceptance box or similar.

1.4 There are other terms that may apply to you.

These terms refer to the following additional terms, which also apply to your use of our site:
(a) Our Privacy Policy . See further under How we will use your personal information below.
(b) Our Cookie Policy which sets out information about the cookies on our site.
(c) Our Acceptable Use Policy. See further under Uploading content to our site below .

1.5 Our site and services are only for users in the UK.

Our site is directed to people residing in the United Kingdom. We do not represent that content available on or through our site, or our services, are appropriate for or available in other locations.

1.6 You must be at least 18 years old to use our site and services.

Our site and services are intended for people who are at least 18 years old. You must be at least this age to use our site or order any of our services, and we will verify your age and identity prior to providing any of our services to you.

2. INFORMATION ABOUT US AND HOW TO CONTACT US

2.1 Who we are.

We are Live to Thrive Limited, a company registered in England and Wales. Our company registration number is 14999055 and our registered office is at 46 Wawne Road, Sutton-On-Hull, Hull, North Humberside, United Kingdom, HU7 4FD.

2.2 How to contact us.

You can contact us by telephoning us on +9715 85634115 or by writing to us at solitaire@live-to-thrive.com or to 46 Wawne Road, Sutton-On-Hull, Hull, United Kingdom, HU7 4FD.

2.3 How we may contact you.

If we have to contact you we will do so by telephone using the contact number you provided to us, or by writing to you at the email address or postal address you provided to us.

2.4 Where to find information about our services.

You can find everything you need to know about our services, including our life coaching programs, on our site before you order. We also confirm the key information to you in writing before or after you order, either by email or in your online account.

2.5 "Writing" includes emails.

When we use the words "writing" or "written" in these terms, this includes emails.

3. ABOUT THE SERVICES WE OFFER & IMPORTANT LIMITATIONS

3.1 Live to Thrive life coaching programs.

You are able to access (and where they are chargeable, purchase) life coaching programs via our site, including those dealing with eating disorders, self-worth, relationship recovery and narcissistic abuse recovery, full details of which are described on our site. These will comprise of one or more conversation sessions between you and our coach undertaken via remote meeting (either by telephone, Zoom, WhatsApp, instant messenger or other method which we specify or agree with you) and/or coaching advice provided via email. Further details of the coaching program and the sessions you are purchasing will be provided to you at the time of your order.

3.2 Medical Warning.

The content provided on our site and as part of our services is intended as a self-help tool for educational purposes, and it is not intended to amount to psychological or medical advice on which you should rely – we are not medical professionals and do not offer medical advice. It is also not intended to be financial, legal, religious or spiritual advice. Where appropriate you should seek relevant professional or specialist advice (including advice from your GP or from an accredited medical professional for psychological or medical advice) before taking, or refraining from, any action on the basis of our services or the content on our site. Our services are not designed to take into account your own particular physical or psychological medical conditions, and we do not assume responsibility for these by providing life coaching services to you.

You accept that you must be psychologically well enough to participate in our life coaching services. You are strongly advised to seek appropriate medical advice if you have any pre-existing medical or health-related condition (psychological or physical) which could be affected by our life coaching services, and you should not use our services if you have any medical condition which could be triggered (or made worse).

3.3 Accuracy & disclosures.

You must take care to ensure the accuracy of any information which you provide to us, and to fully disclose to us details of any relevant matters or factors (not limited to specific health issues or conditions referred to in clause 3.2) which you are currently experiencing, and any medications, herbs, or supplements you are currently taking, prior to the start of using our services.

3.4 Your personal responsibility and risk.

You acknowledge that you are participating voluntarily whenever using our site or any of our services, and that you are personally responsible for your choices, actions and results, now and in the future. You accept full responsibility and risks for the consequences of your use, or non-use, of any advice or information provided to you in your own particular circumstances, and you agree to use your own judgment and due diligence before implementing any idea, suggestion or recommendation to your life, family or business.

3.5 No guaranteed outcome or results.

Whilst we aim to accurately represent the benefits and potential of our life coaching programs and other sessions, outcomes and results differ for each individual, and we do not offer any guarantee of effectiveness or success in your case. Each individual’s results depend on his or her unique background, dedication, desire, motivation, actions, and numerous other factors. Through participating in our programs we aim to support and assist you in reaching your own goals, but outcomes and results depend primarily on your own effort, motivation, commitment and follow-through. Any case testimonials and examples used on our site may be exceptional and not necessarily reflect an average individual, and are not intended to represent or guarantee that you or anyone else will achieve the same or similar results.

3.6 Our site may not be accurate, complete or up to date.

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is completely accurate, complete or up to date. Information provided may inadvertently contain inaccuracies or typographical errors.

4. ORDER PROCESS AND OUR CONTRACT WITH YOU

4.1 How to place your order.

If you wish to order any our services, including our life coaching programs, via this site, please follow the steps described on the site where they are described. You can also order via the telephone - contact us .

4.2 How we will accept your order.

Our acceptance of your order (whether your order is placed via our site or by telephone) will take place when we email you to accept it, at which point a contract will come into existence between you and us.

4.3 If we cannot accept your order.

If we are unable to accept your order, we will inform you of this and will not charge you. Sometimes we reject orders, for example, because a reference we have obtained is unsatisfactory, because we can't verify your age (where the services are age-restricted), because you are located outside the UK, or because the services were mispriced by us. When this happens, we let you know as soon as possible and refund any sums you have already paid for that order.

4.4 Your order number.

We will assign an order number to your order and tell you what it is when we accept your order. It will help us if you can tell us the order number whenever you contact us about your order.

4.5 We charge you when we accept your order.

However, for some services we take payment at regular intervals, as explained to you during the order process.

4.6 UK services only.

Our site is solely for services to be provided in the UK.

5. YOUR RIGHTS TO MAKE CHANGES

5.1 Changes to any services.

If you wish to make a change to the services you have ordered, please contact us. We will let you know if the change is possible. If it is possible we will let you know about any changes to the price of the services, the timing of when they are provided to you, or anything else which would be necessary as a result of your requested change and ask you to confirm whether you wish to go ahead with the change.

6. OUR RIGHTS TO MAKE CHANGES, SUSPEND OR WITHDRAW SERVICES

6.1 Changes to these terms.

We amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time.

6.2 Changes to our site.

We may update and change our site from time to time to reflect changes to our services and content to suit our customers' needs. We will try to give you reasonable notice of any major changes, but we reserve the right to make other changes or updates at any time without notice to you.

6.3 Changes to any services.

We may change any of our services:
(a) to reflect changes in relevant laws and regulatory requirements, where applicable; and
(b) to implement minor technical or therapeutic adjustments and improvements.

6.4 We can suspend any of our services.

We may do this to:
(a) deal with technical problems or make minor technical or therapeutic changes;
(b) update the services to reflect changes in relevant laws and regulatory requirements; or
(c) make changes to any of the services.

6.5 Your rights if we suspend services.

We will contact you in advance to tell you we're suspending any of our services, unless the problem is urgent or an emergency. If we suspend the services we are providing to you, you don't pay for it while its suspended. If we suspend services, or tell you we're going to suspend services, for more than 4 weeks, you can contact us to end the contract and we'll refund any sums you've paid in advance for services you won't receive.

6.6 We may also suspend our services if you do not pay.

If you do not pay us for the services when you are supposed to (see clause 10.4) and you still do not make payment within 7 days of us reminding you that payment is due, we may suspend our services to you until you have paid us the outstanding amounts. We will contact you to tell you we are suspending any services. We will not suspend the services where you dispute the unpaid invoice (see clause 10.6). We will not charge you for services during the period for which they are suspended. As well as suspending the services we can also charge you interest on your overdue payments (see clause 10.5).

6.7 We can withdraw services.

We can stop providing any services as provided in clause 9.3 below.

7. PROVIDING OUR SERVICES

7.1 When we will provide services.

During the order process we will let you know when we will provide the services to you. We will provide them to you as far as reasonably practicable in line with the schedule which we notify to you, and in any event (unless we agree otherwise with you) provision of our services (such as life coaching programs sessions) will start within 30 days after the day on which we accept your order. If you have ordered a life coaching program which comprises a specific number of sessions, we will arrange for you to attend those sessions until either the coaching program plan has been fulfilled or expires (if applicable), or you end the contract as described in clause 8, or we end the contract by written notice to you as described in clause 9.

7.2 We are not responsible for delays outside our control.

If any of our services is delayed by an event outside our control, then we will contact you as soon as possible to let you know and do what we can to reduce the delay. As long as we do this, we won't compensate you for the delay, but if there is a risk of substantial delay you may contact us to end the contract and receive a refund for any services you have paid for in advance, but not received, less reasonable costs we have already incurred.

7.3 What will happen if you do not give required information to us, or if you don’t do preparatory work agreed with us.

We may need certain information from you so that we can provide our services to you, such as your name, date of birth, contact details and pre-existing medical conditions, and we will need you to provide (usually via email, WhatsApp or instant messenger) suitable identity documentation for verification before providing any services to you. Further information required may also be stated in the description of the services on our site. We will contact you to ask for this information. If you do not give us this information within a reasonable time of us asking for it, or if you give us incomplete or incorrect information, we may either end the contract (and clause 9.2 will apply) or make an additional charge of a reasonable sum to compensate us for any extra work that is required as a result. We will not be responsible for providing services late or not providing any part of them if this is caused by you not giving us the information we need within a reasonable time of us asking for it. We may also charge you additional sums if you don't do preparatory work to prepare for the services, as specified by us.

7.4 Attending, cancelling or rescheduling life coaching sessions.

You must give us at least 24 hours’ advance notice (preferably via email ) to either reschedule or cancel a life coaching session which has been scheduled/booked. If you fail to give us this amount of advance notice, or if you fail to attend a life coaching session at the scheduled time, you will forfeit your right to receive this session and you will still be charged for this session. You should also aim to attend your scheduled life coaching sessions at the designated start time, as you won’t be able to extend sessions beyond the allotted session end time (or be entitled to additional coaching time) if you are late. We will give you at least 24 hours’ advance notice to either reschedule or cancel a life coaching session which has been scheduled/booked, except in cases of emergency when we will give you as much advance notice as reasonably possible and contact you to reschedule the session(s) affected.

8. YOUR RIGHTS TO END THE CONTRACT

8.1 When you can end your contract with us.

Your rights when you end the contract will depend on what services you have ordered, whether there is anything wrong with the services, how we are performing when you decide to end the contract, and whether you are a consumer:
(a) If you want to end the contract because of something we have done or have told you we are going to do, see clause 8.2;
(b) If you are a consumer and have just changed your mind, see clause 8.3.

8.2 Ending the contract because of something we have done or are going to do.

If you are ending a contract for a reason set out at (a) to (d) below, the contract will end immediately and we will refund you in full for any services which have not been provided and you may also be entitled to compensation. The reasons are:
(a) we have told you about an error in the price or description of the services you have ordered and you do not wish to proceed;
(b) there is a risk that providing our services may be significantly delayed because of events outside our control;
(c) we have suspended our services for technical reasons, or notify you we are going to suspend them for technical reasons, in each case for a period of more than 4 weeks; or
(d) we have broken any other important part of these terms which govern our contract.

8.3 Your legal right to change your mind.

For our services bought online or over the telephone, if you are a consumer you have 14 days after the date we confirm your order to change your mind about a purchase, but you lose the right to cancel any services when they’ve been provided to you, and you must pay for any services provided up the time you cancel. 8.4 Cancelling an ongoing contract. We tell you when and how you can end an on-going contract with us (for example, for a rolling program involving a number of sessions over a period of time) during the order process, and we confirm this information to you in writing after we've accepted your order. If you have any questions, please contact us .

8.5 How to end the contract with us (including if you are a consumer who has changed your mind).

To end the contract with us, please let us know by doing one of the following:
(a) Phone or email. Call us or email us using our contact details provided above. Please provide your name, details of the order and, where available, your phone number and email address.
(b) By post. Print off and complete the cancellation form in Schedule 1 to these terms and post it to us at the address on the form. Or simply write to us at that address, including details of what you ordered, when you ordered it and your name and address.
We refund you as soon as possible and within 14 days of you telling us you've changed your mind. We refund you by the method you used for payment. We don't charge a fee for the refund.

8.6 You have rights if there is something wrong with our service.

If you think there is something wrong with your service, you must contact us . Your legal rights are summarised below. These are subject to certain exceptions. For detailed information please visit the Citizens Advice website citizensadvice.org.uk .

Summary of your key legal rights

If your product is services, for example a life coaching program, the Consumer Rights Act 2015 says:
· You can ask us to repeat or fix a service if it's not carried out with reasonable care and skill, or get some money back if we can't fix it.
· If a price hasn't been agreed upfront, what you're asked to pay must be reasonable.
· If a time hasn't been agreed upfront, it must be carried out within a reasonable time.

9. OUR RIGHTS TO END THE CONTRACT

9.1 We may end the contract if you break it.

We may end our contract for services with you at any time by writing to you if:
(a) you do not make any payment to us when it is due and you still do not make payment within 7 days of us reminding you that payment is due;
(b) you do not, within a reasonable time of us asking for it, provide us with information that is necessary for us to provide the services to you;
(c) you are (in our opinion) abusive to any of our life coaches or staff, or we consider that you have or may have committed a criminal offence;
(d) despite our reasonable efforts, we are unable to contact you;
(e) you repeatedly fail to attend scheduled life coaching sessions, or you repeatedly cancel or reschedule life coaching sessions without giving us the required 24 hours’ advance notice (as specified in clause 7.4), or you do not in any other way allow us to provide our services to you; or
(f) you have broken any other important part of these terms which govern our contract.

9.2 You must compensate us if you break the contract.

If we end the contract in the situations set out in clause 9.1 we will refund any money you have paid in advance for services we have not provided, but we may deduct or charge you reasonable compensation for the net costs we will incur as a result of your breaking the contract. This will include charging you for life coaching sessions which you did not receive in the circumstances described in clause 7.4.

9.3 We may withdraw any of our services.

We may write to you to let you know that we are going to stop providing any services. We will let you know at least 7 days in advance of stopping the services and will refund any sums you have paid in advance for any services which will not be provided.

10. PRICE AND PAYMENT

10.1 Where to find the price for our services.

The price of the services (which includes VAT) will be the price indicated on the order pages when you placed your order, or if you order over the telephone it will be the price we specify to you at that time. We use our best efforts to ensure that the price of the services advised to you is correct. However please see clause 10.3 for what happens if we discover an error in the price of the services you order.

10.2 We will pass on changes in the rate of VAT.

If the rate of VAT changes between your order date and the date we provide the service, we will adjust the rate of VAT that you pay, unless you have already paid for the services in full before the change in the rate of VAT takes effect.

10.3 What happens if we got the price wrong.

It is always possible that, despite our best efforts, some of the services we sell may be incorrectly priced. We will normally check prices before accepting your order so that, where the service'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 service'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.

10.4 When you must pay and how you must pay.

We accept payment with most debit and credit cards. See our Payment page. Unless we agree with you otherwise, you must pay for any services ordered before we provide them to you.

10.5 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 Barclays 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.

10.6 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.

11. OUR RESPONSIBILITY FOR LOSS OR DAMAGE SUFFERED BY YOU

11.1 We are responsible to you for foreseeable loss and damage caused by us.

If we fail to comply with these terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breaking this contract or our failing to use reasonable care and skill, but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made, both we and you knew it might happen, for example, if you discussed it with us during the order process.

11.2 We do not exclude or limit in any way our liability to you where it would be unlawful to do so.

This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors; for fraud or fraudulent misrepresentation; for breach of your legal rights in relation to the services.

11.3 We are not liable for business losses.

We will not be liable to you in respect of any business losses, such as loss of profits, lost income, lost revenue, loss of use, loss of anticipated savings, business contracts, goodwill or commercial opportunities.

11.4 We are not responsible for the following (and you must hold us harmless against these happening).

We will not be liable to you in respect of any of the following, and you agree to hold us harmless in the event of:
(a) your own actions, decisions and choices made as a result of receiving our services or using our site; or
(b) any medical or psychological conditions you may have being triggered or made worse as a result of receiving our services or using our site; or
(c) our services not meeting your expectations.

12. HOW WE MAY USE YOUR PERSONAL INFORMATION

We will only use any personal data you give us as set out in our Privacy Policy .

13. OWNERSHIP OF INTELLECTUAL PROPERTY

13.1 Reservation of ownership.

We will own the copyright and other intellectual property rights in any documents, slides and other materials which we use in the course of providing our services. You will not take ownership of these materials (or the intellectual property rights in them), and your rights to use them are limited to your own personal use for the life coaching program which we provide to you. You must not use them with any other person or for any other purpose unless we agree this with you in writing. You will continue to own the copyright and other intellectual property rights in any documents and other materials which you create (except as described in clause 13.2).

13.2 Ownership of rights in recordings.

If any recordings (video, audio, or otherwise) are made of a life coaching session or other meeting between you and us, whether these are made by you or by us, we will become the sole owner of all and any copyright and other intellectual property rights in such recordings. You agree to transfer any and all such rights to us which you may have upon request, and you must not in any circumstances publish, share, transfer, upload or broadcast such recordings without our prior written permission.

13.3 Live to Thrive is our brand.

"Live to Thrive” is our brand and trade mark. You are not permitted to use this (or any of our other brands or trade marks) without our approval, except for display on any materials you are using as permitted under “How you may use material on our site ”.

14. TERMS RELATING TO OUR SITE

14.1 We may suspend or withdraw our site.

Our site is made available free of charge. We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. The site may become temporarily unavailable due to technical issues beyond our reasonable control. We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons. We will try to give you reasonable notice of any planned suspension or withdrawal.

14.2 Your responsibility for other users.

You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms and other applicable terms and conditions, and that they comply with them.

14.3 You must keep your account details safe.

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms. If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us .

14.4 How you may use material on our site.

(a) Reservation of intellectual property rights. We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
(b) Permitted use of our site. You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.
(c) No commercial use. You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.
(d) If you breach these terms. If you print off, copy or download any part of our site in breach of these terms, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

14.5 We are not responsible for websites we link to.

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them. We have no control over the contents of those sites or resources.

14.6 User-generated content is not approved by us.

This site may include information and materials uploaded by other users of the site, including to bulletin boards and chat rooms. This information and these materials have not been verified or approved by us. The views expressed by other users on our site do not represent our views or values.

14.7 Uploading content to our site.

(a) Content standards. Whenever you make use of a feature that allows you to upload content to our site, or to make contact with other users of our site, you must comply with the content standards set out in our Acceptable Use Policy. You warrant that any such contribution does comply with those standards, and you will be liable to us and indemnify us for any breach of that warranty. This means you will be responsible for any loss or damage we suffer as a result of your breach of warranty.
(b) Use of your content. Any content you upload to our site will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, but you are required to grant us a limited licence to use, store and copy that content and to distribute and make it available to third parties.
(c) Violations & your identity. We reserve the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our site constitutes a violation of their intellectual property rights, or of their right to privacy.
(d) Removal of your content. We have the right to remove any posting you make on our site if, in our opinion, your post does not comply with the content standards set out in our Acceptable Use Policy.
(e) Back-ups. You are solely responsible for securing and backing up your content.

14.8 How to complain about content uploaded by other users.

If you wish to complain about content uploaded by other users, please notify us .

14.9 We are not responsible for viruses and you must not introduce them.

(a) Viruses & protection. We do not guarantee that our site will be secure or free from bugs or viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software.
(b) Disclaimer for system or data loss/damage or outages. We will not be responsible for any damage to your computer system or loss of any data that results from the download of any content, materials, information, or software from our site.
(c) Restricted activities. You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

14.10 Rules about linking to our site.

(a) You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.
(b) You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
(c) You must not establish a link to our site in any website that is not owned by you.
(d) Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.
(e) We reserve the right to withdraw linking permission without notice. (f) If you wish to link to or make any use of content on our site other than that set out above, please contact us.

15. OTHER IMPORTANT TERMS

15.1 Our relationship with you.

Our relationship with you when providing our services is as an independent contractor, and neither you nor any of our coaches is your employee, worker, agent or partner. We are available for the provision of services during scheduled life coaching sessions for the prescribed duration of those sessions only, and unless otherwise agreed in writing we do not provide any ancillary or additional support services to you outside of these sessions.

15.2 We may transfer our contract with you, so that a different organisation is responsible for providing services to you.

We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract. If you're unhappy with the transfer you can contact us to end the contract within 4 weeks of us telling you about it and we will refund you any payments you've made in advance for services not provided.

15.3 You need our consent to transfer your rights to someone else.

You may only transfer your rights or your obligations under these terms to another person if we agree to this in writing.

15.4 Nobody else has any rights under this contract.

This contract is between you and us. No other person shall have any rights to enforce any of its terms. Neither of us will need to get the agreement of any other person in order to end the contract or make any changes to these terms.

15.5 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.

15.6 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 services, we can still require you to make the payment at a later date.

15.7 Which laws apply to this contract and where you may go to court.

These terms are governed by English law and wherever you live you can bring claims against us in the English courts. If you live in Wales, Scotland or Northern Ireland, you can also bring claims against us in the courts of the country you live in. We can claim against you in the courts of the country you live in.

Schedule 1 Model Cancellation Form for consumer customers

(Complete and return this form only if you wish to withdraw from the contract)
To [TRADER'S NAME, ADDRESS, TELEPHONE NUMBER AND, WHERE AVAILABLE, FAX NUMBER AND E-MAIL ADDRESS TO BE INSERTED BY THE TRADER]
I/We [*] hereby give notice that I/We [*] cancel my/our [*] contract of sale of the following goods [*]/for the supply of the following service [*],
Ordered on [*]/received on [*],
Name of consumer(s),
Address of consumer(s),
Signature of consumer(s) (only if this form is notified on paper), Date
[*] Delete as appropriate