Crafty Counsel

    Terms

    1. Terms of Website Use

    These terms of website use (together with the documents referred to under Other Applicable Terms) constitute a legally binding agreement between you and us and serve to explain the terms on which you may make use of our website https://craftycounsel.co.uk/ (our site). References herein to Crafty Counsel or us mean Crafty Counsel Limited, a company incorporated in England and Wales with registered number 10943053 and registered address of 483 Green Lanes, London, N13 4BS. Use of our site includes accessing, browsing, or registering to use our site. The information on our site is for personal, non-commercial use only. By clicking “accept” on our registration page, you are indicating that you have read and accepted these terms of website use and the documents referred to in them.

    If you subscribe to our site through a corporate or other group arrangement, the words “you” or “your” in these terms of website use policy may apply (with the exception of references to notices or other communications from us or to payment and renewal matters) to each Subscriber of your corporate or other group arrangement account.

    Please read these terms of website use carefully before you start to use our site, as these will apply to your use of our site. We recommend that you print a copy of this for future reference. By using our site, you confirm that you accept these terms of website use and that you agree to comply with them.

    If you do not agree to these terms of website use, you must not use our site.

    2. Other Applicable Terms

    These terms of website use refer to the following additional terms, which also apply to your use of our site:

    • Our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.

    3. Important Disclaimer

    Crafty Counsel is a publisher. The Site, the Site Content and the information therein does not include, nor shall it be construed as including, advice, guidance or recommendations to take, or not to take, any actions or decisions in relation to any matter, including in relation to legal advice or regulatory advice, or investments, the purchase or sale of any securities, shares or other assets of any kind. You acknowledge that information obtained through the Site or the Site Content is not tailored for you or any specific person and should never be used as a substitute for Legal, financial or other professional advice. You should not treat any opinions or views expressed on the Site or in the Site Content as a recommendation to take any particular course of action. Should you take any such action or decision based on information in the Site or the Site Content, you do so entirely at your own risk. Crafty Counsel, its affiliates and their respective representatives shall not be responsible or liable for the accuracy, usefulness or availability of any information transmitted or made available via the Site or the Site Content, and shall not be responsible or liable for any trading or investment decisions made based on such information. The views, thoughts, and opinions expressed by the individuals featured on the Site or in the Site Content are their own and do not reflect the views or opinions of Crafty Counsel.

    The information contained within the Site Content is from sources which Crafty Counsel believes to be accurate, including third party contributors. Crafty Counsel does not independently verify information provided by third party contributors and makes no warranty as to the completeness or accuracy of information obtained from such third parties, nor can it accept responsibility for errors of such third parties appearing on the Site or in the Site Content. 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 accurate, complete or up-to-date.

    The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

    4. Registration, Account, and Password

    Some features of our site are available to you only if you have registered as a member (a Member). Other features (notably, most of our video content) are available only if you are a paid subscriber, either via an individual or a corporate subscription (a Subscriber).

    If you are not a Member you may browse all areas of the Site or use the parts of the Services that are not limited to Members or Subscribers only.

    When you register as a Member, you will be asked to provide a username, password and/or other piece of information as part of our security procedures. You must treat such information as confidential. In particular, you are responsible for the privacy and safety of your password and you agree not to disclose it to a third party. By becoming a Member (i) you agree to immediately notify us of any unauthorised use of your password, (ii) you warrant that all information provided by you (whether at time of registration or afterwards) is accurate, true and complete at the time it is given; (iii) you consent to the use of electronic means to provide you with any notices given pursuant to these terms of website use, and (iv) you consent to the use of electronic records to store information related to our site or terms of website use.

    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 of website use.

    If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at hello@craftycounsel.co.uk

    Once you have registered as a Member, you will then have the option of becoming a Subscriber. Your subscription will be automatically renewed for a 12 month term at the expiry of the initial term, unless (a) you cancel your subscription prior to the automatic renewal taking place, or (b) you subscribe to our site through a corporate or other group arrangement whose terms differ.

    As a Subscriber, you must provide a valid payment method and other payment information at the time of purchase or a valid corporate code issued by us to your organisation. Please refer to Fees, Automatic Renewal and Termination below for further billing information.

    If you decide to cancel your subscription, your account will reset back to that of a Member once your 12 month subscription has ended; your account and password details will remain the same.

    5. Individual Subscribers - Fees, Automatic Renewal, and Termination

    This section applies to individual Subscribers. If you subscribe to our site through a corporate or other group arrangement, your fee arrangements will be set out in our agreed separate terms and conditions.

    The day that you purchase your 12 month subscription is the first day of your billing cycle. Your 12 month subscription will be automatically renewed and billing will occur annually on a recurring basis on the anniversary date of your initial subscription purchase. As a courtesy to you, we aim to notify you 15 days in advance of the automatic renewal date. If we fail to notify you in advance of the automatic renewal (or if you do not receive that notice for any reason, including a failure on our part) that failure does not affect the automatic renewal process. Our legal agreement with you will automatically renew and we will automatically take payment for the renewed term of the agreement.

    If you change your mind about your purchase of a Crafty Counsel subscription, and if you are an individual Subscriber, you will be entitled to cancel your subscription and obtain a full refund of your subscription fee if you notify us within 14 days of taking your subscription (whether the initial subscription date or renewal date).

    We reserve the right to adjust the price of subscriptions at any time. By purchasing a subscription you authorise us to charge the applicable fee amount at the time of purchase or activation (at our discretion) and annually thereafter. We reserve the right to change our billing format so that it is based on a set annual date rather than on the subscription renewal date, and in such event we will pro rate the subscription fee accordingly, and your continued subscription will constitute our authority to charge the applicable fee amount according to any new billing format.

    We use a third party payment provider to perform subscription payment functions on our behalf. In the event that we are informed by the third party payment company that your renewal fee has not been paid in full, you may be contacted to rectify the payment issue and be asked to provide an alternative method of payment. In the event of a default in payment for any reason, we reserve the right to cancel your subscription at any time thereafter or to continue your subscription until the payment default is resolved.

    You may cancel your subscription at any time by contacting us using the details below under the heading “Contact us”. Unless you request otherwise, your subscription will be cancelled with effect from the next annual renewal date. You will not be entitled to a refund of the annual subscription fee in the event that your subscription is terminated part way through the year.

    We reserve the right to cancel your subscription in the event of non-compliance with any of these terms of website use.

    To cancel your subscription, email us at hello@craftycounsel.co.uk. Your cancellation notice will be deemed effective on the next business day.

    6. Changes to these Terms

    We may modify any of these terms of website use at any time by amending this page and we may at any time amend any of our policies referred to in these terms under Other Applicable Terms. Such amended terms of website use and any amended policies shall govern our relationship. By continuing to access or use our site after such modification of these terms, you agree to be bound by the modified terms of website use. If any modified terms of website use or modified policies are not acceptable to you, your sole remedy is to cease using our site.

    Please check this page from time to time to take notice of any changes we made, as they are binding on you. This page was last updated on 1 October 2019.

    7. Changes to our Site

    We may update our site from time to time, and may change the content at any time. However, please note that any of the content on our site may be out of date at any given time, and we are under no obligation to update it.

    We do not guarantee that our site, or any content on it, will be free from errors or omissions.

    8. Accessing our Site

    We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason our site is unavailable at any time or for any period.

    You are responsible for making all arrangements necessary for you to have access to our site.

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

    9. Intellectual Property Rights

    We are the owner or the licensee of, or otherwise have permission to use, all intellectual property rights on our site and the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

    If any pages are permitted to be downloaded from our site, you agree to not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you agree 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.

    You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us.

    If you print off, copy or download any part of our site in breach of these terms of website use, 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.

    You must instruct all persons who access our site through your internet connection to comply with these rules.

    10. Limitation of our Liability

    To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our site or any content on it, whether express or implied. We will not be liable to any user (nor, in the case of a corporate subscription, the company that is party to that subscription) for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

    • use of, or inability to use, our site; or
    • use of or reliance on any content displayed on our site;
    • loss of profits, sales, business, or revenue;
    • business interruption;
    • loss of anticipated savings;
    • loss of business opportunity, goodwill or reputation; or
    • any indirect or consequential loss or damage.

    We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any content on it, or on any website linked to it.

    We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.

    The views expressed by other users on our site do not represent our views or values.

    11. Rights You License

    If we introduce the ability for users to upload or post content to the site, if and when you upload or post such content, you grant the following licenses to us:

    • to modify, electronically reproduce and distribute, and publicly perform and display the content on our site;
    • to reproduce and distribute through any media now known, or hereafter developed, excerpts of the content in advertisements for, and in marketing and promotional materials related to, our site.

    12. Viruses

    We do not guarantee that our site will be secure or free from bugs or viruses.

    You are responsible for configuring your information technology, computer programmes and platform in order to access our site. You should use your own virus protection software.

    You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which 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 may commit a criminal offence. We will report any such breach to 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.

    13. Linking to our Site

    You may link to our website pages, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

    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.

    Our site must not be framed on any other site.

    We reserve the right to withdraw linking permission without notice.

    If you wish to make any use of content on our site other than that set out above, please contact hello@craftycounsel.co.uk.

    These rules and privileges regarding linking to our site apply equally to each Subscriber of your corporate or other group arrangement account.

    14. Third Party Links and Resources in our Site

    Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only.

    We have no control over the contents of those sites or resources.

    15. General

    Applicable Law: These terms of website use, its subject matter and its formation, are governed by English law. You and we both agree to that the courts of England and Wales will have exclusive jurisdiction.

    Severability and Waiver: If any provision of these terms of website use is held to be invalid or unenforceable, the remaining provisions will continue to be of full force and effect. Our election not to enforce (immediately or otherwise) any right or provision of these terms of website use will not constitute a waiver of such right or provision.

    17. Contact Us

    To contact us, please email hello@craftycounsel.co.uk

    Thank you for visiting our site.

    ©Copyright 2019 Crafty Counsel Limited. All rights reserved. “Crafty Counsel” and “Crafty” are our registered trademarks and/or trademarks pending registration in jurisdictions around the world, including the United Kingdom and European Union.