These terms and conditions govern your use of our website, annapayne.online (‘the Website’), and any services, programmes, resources, or content provided by Anna Payne Consulting (‘we’, ‘us’, or ‘our’). By accessing this Website or purchasing from us, you agree to be bound by these terms. If you do not accept these terms, you should not use the Website.
1. Who we are
Anna Payne Consulting is a business based in Scotland, UK. We work with clients across the UK and internationally.
2. Eligibility
You must be at least 18 years old to use this Website or access our services.
3. Use of the Website
You agree to use this Website lawfully and not to:
- Republish, reproduce, distribute, or exploit any of our content without written consent
- Upload or transmit harmful or malicious content
- Use our site in any way that infringes on the rights of others or limits their ability to use it
We reserve the right to remove access to any part of the Website or our services at our discretion.
4. Intellectual property
All content on the Website (including text, branding, programmes, videos, downloads, and materials) is owned by Anna Payne Consulting and is protected by copyright and intellectual property law.
When you purchase a course or download a resource, you are granted a non-exclusive, non-transferable licence for personal or internal business use only. You may not reproduce, share, or resell our materials.
5. Programmes, services, and digital products
We offer online courses, coaching, templates, memberships, and other services via this Website. All materials are provided for educational and informational purposes only and are not a substitute for professional advice.
By purchasing any of our services or digital products, you acknowledge and agree:
- That results will vary based on your own effort, action, and context
- That we do not guarantee any specific financial or business outcome
- That prior results do not indicate future performance
6. Payment, refunds, and cancellation
All prices are listed in GBP and exclude VAT. VAT will be added at checkout where applicable. Payments are taken via third-party providers such as Stripe or Apple Pay. We do not store your payment details.
Due to the nature of digital products, no refunds are offered once the material has been accessed or downloaded.
This is in line with the Consumer Contracts Regulations (Digital Content Exemption). By purchasing, you agree to waive your 14-day cancellation rights.
For memberships, you may cancel your subscription via your account before your next billing date to avoid further charges. No partial refunds are given.
7. Testimonials and earnings
Testimonials shared on this Website represent the genuine experiences of past clients. However, these are not a guarantee of your personal results. We may also share examples of earnings or business growth for illustrative purposes only. These do not guarantee similar results for you.
8. Affiliate links and recommendations
From time to time, we may share affiliate links to tools, services, or products we personally use or believe in. This means we may earn a commission if you make a purchase through our link, at no extra cost to you. We only promote things we believe are genuinely helpful, but please do your own due diligence before purchasing.
9. Limitation of liability
To the maximum extent permitted by law, we are not liable for any direct, indirect, incidental, or consequential loss or damage arising from your use of our Website, resources, or services.
All materials are provided ‘as is’ for general information. You are responsible for your own decisions and actions.
10. Data protection and privacy
Your use of this Website is also governed by our Privacy Policy and Cookie Policy, which explain how we collect and use your personal data in accordance with UK GDPR.
11. Jurisdiction
These terms shall be governed by and construed in accordance with the laws of Scotland and/or England and Wales, depending on the location of the customer or legal process. Disputes arising shall be subject to the exclusive jurisdiction of the courts of Scotland or England and Wales. The location shall be set by the company.
12. Changes to these terms
We may update these terms from time to time. We will notify users of any material changes. Your continued use of the Website indicates acceptance of any updated terms.
13. Contact
If you have any questions about these terms, please contact us by email at:
📧 [email protected]