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 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 our content without written consent
- Upload or transmit harmful or malicious content
- Use the site in a way that infringes on others’ rights or restricts their access
We may remove access to any part of the Website or services at our discretion.
4. Intellectual property
All content on the Website (text, branding, programmes, videos, downloads, materials) is owned by Anna Payne Consulting and protected by intellectual property law.
When you purchase a course or download a resource, you receive a non-exclusive, non-transferable licence for personal or internal business use only. You may not reproduce, share, resell, or distribute materials to others.
5. Programmes, services, and digital products
We provide online courses, coaching, memberships, templates, and other services. All materials are for educational purposes and are not a substitute for professional, legal, or financial advice.
By purchasing, you acknowledge:
- Results vary depending on your effort, context, and actions
- We do not guarantee any specific financial or business outcome
- Testimonials or examples are illustrative only, not promises of results
6. Payment, refunds, and cancellation
All prices are in GBP and exclude VAT unless stated otherwise. Payments are processed via third parties (e.g. Stripe), and we do not store your payment details.
If you choose a payment plan, you are entering into a legally binding agreement to pay the full fee per the agreed schedule. A payment plan is not a subscription and cannot be cancelled early, regardless of your level of access or attendance.
By purchasing, you confirm that all payment plans represent a full and final financial commitment. The flexibility is about timing of payments, not the ability to exit early.
6.1 Missed or failed payments
If a payment fails, the system will automatically retry. You will be notified and asked to update your payment details promptly. If payment is not received within 7 days, access to course materials, calls, or community areas may be paused until your account is updated.
If non-payment continues, the full remaining balance becomes immediately due. We reserve the right to use external recovery agents or legal processes to recover unpaid amounts and any costs incurred. We may also refuse you access to future programmes or services.
6.2 Completion of payment plans
Access to lifetime materials, bonuses, or certification (where applicable) depends on all payments being made. If the payment plan is incomplete, we may withhold access, withdraw bonuses, or revoke certification until full payment is received.
6.3 Refunds and digital content
All programmes and courses are delivered digitally. Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, you may have a statutory 14-day cancellation right. However, by purchasing and accessing content (including logging in, streaming, downloading, or entering a portal), you expressly consent to immediate access and waive the 14-day right.
Once access is granted or materials delivered, no refunds or cancellations are permitted.
If you have not accessed or downloaded anything within 14 days, you may request a refund in writing to [email protected]. Refunds will not be granted after that period or once access has begun.
Refunds are not valid for change of mind, non-attendance, or subjective dissatisfaction.
6.4 Memberships and subscriptions
For rolling memberships (e.g. Connections & Growth, Sales Momentum Club), cancellation must be done via your account in the member portal, before your next billing date.
Cancellations by email, message, text, or verbal instruction are not valid and won’t be processed. Payments continue until cancellation is done correctly in your account.
Once cancelled, access ends immediately or at the end of your billing period. No partial or retrospective refunds are given.
Access to member areas, community calls, and resources will cease upon cancellation.
7. Community conduct
We strive for respectful, supportive environments in all programmes and communities. We reserve the right to remove access without refund if participants act disruptively, disrespectfully, or breach group confidentiality.
8. Service changes and availability
We may amend, update, or discontinue any programme or resource. If significant changes affect your access, we will give reasonable notice and offer equivalent value or substitute content.
We make reasonable efforts to ensure reliable access but cannot guarantee uninterrupted service (due to internet issues, third-party downtime, maintenance, etc.). We won’t be liable for outages beyond our control.
9. Force majeure
We’re not liable for failing obligations due to events beyond our control (illness, technical outages, platform issues, or governmental action).
10. Testimonials and earnings
Testimonials reflect past clients’ experiences, not guarantees. Examples of earnings or business growth are for illustration and do not guarantee your results.
11. Affiliate links and recommendations
From time to time, we share affiliate links to tools or services we use. We may earn a commission if you purchase through those links, at no extra cost to you. Always do your own due diligence before buying.
12. Limitation of liability
To the fullest extent permitted by law, we are not liable for direct, indirect, incidental, or consequential loss or damage arising from your use of our site, services, or decisions based on our materials. All materials are provided “as is.” You are responsible for your own actions and outcomes.
13. 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 protect your data under UK GDPR.
14. Communications and cancellations
All official communication (billing, cancellations, support) must be via [email protected] or through your member account. Messages via social media, text, or personal accounts are not valid for service requests or cancellation.
15. Jurisdiction
These terms are 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. Any disputes shall be subject to the exclusive jurisdiction of the courts of Scotland or England and Wales, as determined by Anna Payne Consulting.
Nothing in these terms affects your statutory rights under UK law, where applicable.
16. Changes to these terms
We may update these terms from time to time. Any material changes will be posted on this page. Continued use of the Website or our services after such updates constitutes acceptance of the revised terms.
17. Contact
If you have any questions about these terms, please contact:
📧 [email protected]