Terms and Conditions

These terms and conditions govern your use of our website, www.annapayne.online (‘the Website’), and any services, programmes, digital products, or resources 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]

Additional policies

(The following form part of these Terms & Conditions and apply to all purchases made through Anna Payne Consulting.)

Refund and cancellation policy

We want you to feel confident in your purchase, so please read this policy carefully before buying.

Digital courses and programmes

All digital courses, trainings, and programmes (including Confident Selling, Design for Freedom, and similar offers) are delivered electronically.

Under the Consumer Contracts Regulations 2013, you may have a statutory 14-day right to cancel digital purchases. However, by purchasing and accessing the materials immediately (including logging into Kajabi, attending a live session, or downloading content), you expressly agree to waive your 14-day cancellation right.

Once access is granted, no refunds or cancellations are permitted.

If you have purchased but not yet accessed or downloaded any materials within 14 days, you may request a refund in writing at [email protected]. Refund requests will not be accepted after this period or once access has been used.

Refunds are not offered for:

Change of mind or personal circumstances
Non-attendance at live sessions
Perceived value or satisfaction

Payment plans

If you select a payment plan, you are entering into a legally binding agreement to pay the full programme fee in accordance with the agreed schedule. A payment plan is not a subscription and cannot be cancelled early, regardless of participation level, attendance, or access to materials.

By choosing a payment plan, you understand that it is offered to provide flexibility in how you pay — not as a ‘cancel any time’ arrangement — and that the full balance remains payable once your purchase is confirmed.

Access to course materials, bonuses, or certification (where applicable) is conditional upon all payments being completed. If a payment fails or remains unpaid after reasonable reminders, access to the course portal, community, and resources may be paused until your account is brought up to date.

Continued non-payment will result in the full remaining balance becoming immediately due, and we reserve the right to engage external recovery services or take legal action to recover unpaid amounts, along with any associated fees or costs incurred.

Failure to complete payment may also result in withdrawal of access to lifetime resources, removal from future course rounds, or revocation of certification until payment is made in full.

Memberships and subscriptions

For rolling memberships such as Connections & Growth or Sales Momentum Club, you may cancel your membership only by logging into your account and selecting ‘Cancel’ before your next billing date.

Cancellations made by email, message, or verbally are not valid and will not be processed. Payments will continue until you have cancelled through your member area.

Once cancelled, access will end immediately or at the end of your paid billing cycle.
No partial or retrospective refunds will be provided.

Access to member areas, community calls, and resources will end immediately upon cancellation or at the end of your billing cycle.

How to request support

For any account or billing queries, please email [email protected].
Messages sent via social media, text, or personal accounts are not monitored for cancellations or support requests.

Membership cancellation policy

This policy applies to Connections & Growth and Sales Momentum Club.

Memberships renew automatically each billing period (monthly or annually) until cancelled. You can cancel any time by logging into your member account.

Please note:

You must cancel before your next billing date to avoid further payments.
Cancellations made by email, text, or message are not valid.
Once cancelled, access to member areas, community calls, and resources will end immediately or at the end of your billing period.
We do not offer partial or retrospective refunds.

By maintaining your membership, you confirm your understanding and acceptance of this policy.