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DISCLAIMER TERMS & CONDITIONS PRIVACY POLICY

EARNINGS DISCLAIMER

EVERY EFFORT HAS BEEN MADE TO ACCURATELY REPRESENT OUR PRODUCT S AND THEIR POTENTIAL. EVEN THOUGH THIS INDUSTRY IS ONE OF THE FEW WHERE ONE CAN WRITE THEIR OWN CHECK IN TERMS OF EARNINGS, THERE IS NO GUARANTEE THAT YOU WILL EARN ANY MONEY USING THE TECHNIQUES AND IDEAS IN OUR MATERIALS. EXAMPLES IN THESE MATERIALS ARE NOT TO BE INTERPRETED AS A PROMISE OR GUARANTEE OF EARNINGS. EARNING POTENTIAL IS ENTIRELY DEPENDENT ON THE PERSON USING OUR PRODUCT, IDEAS AND TECHNIQUES. WE DO NOT PURPORT THIS AS A “GET RICH SCHEME.”

ANY CLAIMS MADE OF ACTUAL EARNINGS OR EXAMPLES OF ACTUAL RESULTS CAN BE VERIFIED UPON REQUEST. YOUR LEVEL OF SUCCESS IN ATTAINING THE RESULTS CLAIMED IN OUR MATERIALS DEPENDS ON THE TIME YOU DEVOTE TO THE PROGRAM, IDEAS AND TECHNIQUES MENTIONED, YOUR FINANCES, KNOWLEDGE AND VARIOUS SKILLS. SINCE THESE FACTORS DIFFER ACCORDING TO INDIVIDUALS, WE CANNOT GUARANTEE YOUR SUCCESS OR INCOME LEVEL. NOR ARE WE RESPONSIBLE FOR ANY OF YOUR ACTIONS. ANY RESULTS GIVEN ARE OF SUCCESSFUL CLIENTS – NOTE THAT THE MAJORITY OF OUR CLIENTS WON’T ACHIEVE THE SAME SUCCESS AS THEY DON’T TAKE THE REQUIRED ACTION.

NOTE THAT WE CANNOT PREDICT HOW WELL YOU WILL IMPLEMENT OUR TRAINING / COACHING SO WE CANNOT PREDICT YOUR PARTICULAR RESULTS. THIS IS WHY WE CANNOT GUARANTEE SUCCESS IN OUR PROGRAMS.

MATERIALS IN OUR PRODUCT AND OUR WEBSITE MAY CONTAIN INFORMATION THAT INCLUDES OR IS BASED UPON FORWARD-LOOKING STATEMENTS WITHIN THE MEANING OF THE SECURITIES LITIGATION REFORM ACT OF 1995. FORWARD-LOOKING STATEMENTS GIVE OUR EXPECTATIONS OR FORECASTS OF FUTURE EVENTS. YOU CAN IDENTIFY THESE STATEMENTS BY THE FACT THAT THEY DO NOT RELATE STRICTLY TO HISTORICAL OR CURRENT FACTS. THEY USE WORDS SUCH AS “ANTICIPATE,” “ESTIMATE,” “EXPECT,” “PROJECT,” “INTEND,” “PLAN,” “BELIEVE,” AND OTHER WORDS AND TERMS OF SIMILAR MEANING IN CONNECTION WITH A DESCRIPTION OF POTENTIAL EARNINGS OR FINANCIAL PERFORMANCE.

ANY AND ALL FORWARD LOOKING STATEMENTS HERE OR ON ANY OF OUR SALES MATERIAL ARE INTENDED TO EXPRESS OUR OPINION OF EARNINGS POTENTIAL. MANY FACTORS WILL BE IMPORTANT IN DETERMINING YOUR ACTUAL RESULTS AND NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE RESULTS SIMILAR TO OURS OR ANYBODY ELSES, IN FACT NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE ANY RESULTS FROM OUR IDEAS AND TECHNIQUES IN OUR MATERIAL

WORKSHOPS, COURSES - TERMS AND CONDITIONS

The following terms and conditions apply to all companies and or persons or other entities (“you”) that are attending any workshop or courses (“Workshop”) organised by Kinga Papp (“we” or “us”). Please ensure you have read and understood the following:

1. Acceptance of terms and conditions

By completing the registration form for a particular workshop, you are agreeing to the terms and conditions set out below (“Terms”) and they will be incorporated into the contract between us (“Contract”). You will ensure that your employees, partners, agents, contractors, subcontractors and any other person attending the Workshop on your behalf shall comply with these Terms. The Contract is formed when we send you a booking confirmation

2. Payment

The fee for attending the Workshop (“Registration Fee”) will be as stated on the registration form for the relevant Workshop from time to time. Prices are exclusive of VAT except where expressly stated otherwise. All payments for the Registration Fee must be made in full at the time of completing the registration form and in any event prior to the date of the Workshop. If payment is not received within 7 days of your registration, your registration will be cancelled and the payment of any refund will be at our complete discretion. Payment will be made via our merchant account provider (and you consent to us passing your necessary details to the merchant account provider and to them processing necessary information about you) or directly to our bank account, as notified to you. We reserve the right to run price promotions as we think fit.

3. Refunds

All tickets for the Workshop shall be non-refundable except as set out in paragraphs 4 and 5 below. However, if you are unable to attend the Workshop for any reason you may email us at Info@kingapapp.com to provide us with the name of a substitute to attend the Workshop on your behalf and on receipt of this email we shall make such substitution and allow the substitute access to the Workshop.

Online course fee is refundable for 7 days after purchase. Group coaching package is refundable 3 days before the first group coaching session would start.

4. Cancellation

There may be circumstances in which we need to cancel the Workshop. In such circumstances, we will provide you with a full refund of the amount of the Registration Fee that you have paid to us and we will make every effort to provide you with such refund within 60 days of the date of cancellation.

5. Postponement or change to venue

There may be circumstances in which we need to postpone the Workshop or change the venue at which Workshop is to be held and if we do, we shall advise you of this as soon as we possibly can. If the postponement is for more than 6 months after the publicised date of the Workshop or the replacement venue is more than 50 miles away from the publicised venue, you may cancel your ticket by emailing us at info@kingapapp.com and we shall provide you with a full refund.

6. Liability and Disclaimer – important, you must read this

Our sole liability in relation to any cancellation, postponement or change of venue shall be limited to the price paid by you for such Workshop and we shall not be liable under any circumstances for any consequential losses.

In providing this workshop, no person is acting as your solicitor or providing you with legal advice. We are providing you with training and guidance.

7. Your obligations

If you act in any way which in our opinion is likely to cause any harm or nuisance to any person at the Workshop, you will be required to leave the Workshop and we shall not be liable to refund your Registration Fee or any other payment.

You must comply at all times with the health and safety policy of the venue. You must comply with all requests from us or the venue with regard to health and safety and failure to do so will result in you being asked to leave the workshop (in which case no refund will be provided). You may not bring any equipment or items of a hazardous or dangerous nature to the Workshop.

You shall not cause any damage to any part of the venue (including outside areas, and all inside walls, flooring, fixtures and fittings). You are solely liable for any damage caused by you, your employees, contractors, sub-contractors and agents to any such area of the venue and shall fully reimburse us in relation to any damage so caused.

You must keep your personal belongings with you at all times and we accept no liability for any damage to, loss of or theft of any of your belongings or other items brought to the Workshop by you.

8. Promotional materials and materials at the Workshop

You agree that some parts of the workshop will be documented by photos and videos that will be used for future promotional activity by the organizers, whereby no personal information will be released. You will not claim any rights and permission for materials where you are included. We are not liable for errors or omissions contained in such information.

Unless otherwise stated, the copyright for any such promotional materials and any materials used at the Workshop (including course notes, slides, brochures, articles and case studies) belongs to us and may not be reproduced in any medium without our prior written consent.

You may use such materials for your own health and wellness purposes only and may not reproduce, publish or deal with such materials in any way for any commercial use or share it with anyone freely.

We reserve the right to change the published programme (including the publicised speakers) or materials as we think fit.

9. Photography and filming

We may wish to photograph or film the Workshop and reserve the right to do so for the purposes of promoting future workshops or otherwise. You consent to us (or any other person attending the Workshop) photographing or filming you and any persons attending the Workshop with you. You may not photograph or video the Workshop without our prior consent.

10. Data protection

We will communicate with you using the contact details provided on the Registration Form for the purposes of the Workshop. You agree that we may send your personal data outside of the European Economic Area (for example to the providers of our CRM system). We shall be entitled to pass on all of your contact details to the workshop contractors.

11. Tickets

We shall not send you tickets for the workshop. We will have your name on the attendee list and if you have paid the Registration Fee you shall be provided with access to the Workshop.

12. Travel, accommodation and refreshments

You shall be responsible for making and paying for your own travel and accommodation arrangements to and from the Workshop. If you are late at the workshop or prevented from attending the Workshop due to travel delays or any other circumstances, we shall not be obliged to provide you with a refund or to wait to start the Workshop until you arrive. Light refreshments may or may not be provided, depending on the venue.

13. Disability, medical conditions and dietary requirements

If you have any disability or medical condition that requires us to make special arrangements for you or any special dietary requirements, please email us at info@kingapapp.com as soon as possible and in any workshop at least 2 weeks prior to the date of the Workshop.

14. Limitations of Liability

Whilst every reasonable precaution is taken by us to ensure security and safety at the workshop, we shall not in any way be liable for any loss or damage suffered by you whatsoever in relation to the Workshop, save that nothing in these Terms shall be deemed to limit the liability of any person for death or personal injury caused by negligence.

Nothing in these Terms shall limit or exclude our liability for death or personal injury caused by our negligence, any fraudulent misrepresentation or any other liability for which it is unlawful to exclude or limit liability.

Our total liability for any matter arising out of the Contract shall in all circumstances be limited to the price paid by you for the Workshop and we shall not in any circumstances be liable to you for any consequential loss whatsoever.

15. Governing law

These Terms shall be governed by English Law and you hereby submit to the exclusive jurisdiction of the English Courts.

For Courses In-person & Online:

TUITION TERMS AND CONDITIONS

Definitions and Interpretation

1 In these terms and conditions the following expression will have the following meanings:

“Tuition” means Tuition as described in the Course

“Tutor” means the person who provides Tuition for the Course

“Intellectual Property Rights” means

(a) any and all rights in any patents, trade marks, service marks, registered designs, applications (and rights to apply for any of those rights) trade, business and company names, internet domain names and e-mail addresses, unregistered trade marks and service marks, copyrights, Course materials, database rights, know-how, rights in designs and inventions;

(b) rights under licences, consents, orders, statutes or otherwise in relation to a right in paragraph (a);

(c) rights of the same or similar effect or nature as or to those in paragraphs (a) and (b) which now or in the future may subsist; and

(d) the right to sue for past infringements of any of the foregoing rights;

General

2.1 These Terms and Conditions contain the entire agreement between us and supersede any prior agreement between us relating to their subject matter.

2.2 These Terms and Conditions are for the delivery of the Course to a business and you warrant that you are not a consumer.

2.2 These Terms and Conditions will apply from the date hereof and will continue to apply in relation to any additional Courses we agree to supply to you.

2.3 No amendment to these Terms and Conditions will be effective unless evidenced in writing and signed by both of us

2.4 Nothing contained within these Terms and Conditions will constitute the relationship of employer and employee between You and the Company nor will it constitute any partnership or other legal arrangement between us not contemplated by these Terms and Conditions

3 Obligations of The Company

3.1 The Company will:

3.1.1 provide a Tutor capable of presenting the Course.

3.1.2 deliver the Course with reasonable skill and care

3.1.3 provide an alternative Tutor and will make alternative arrangements with you if for any reason the Tutor assigned to any Course is not available and the non-availability of a Tutor will not entitle you to take any action for breach of the agreement between us

3.4 You accept that the Company does not warrant that it will always be able to supply a Tutor to deal with or complete any Course within a specific period of time and that time is not of the essence in the delivery of the Course.

3.5 The Company has the right, at its sole discretion, to change the content of any of the Course, the dates upon which each part of the Course is provided and the Tutors.

4 Your Obligations

4.1 You must supply the Company with details of any pertinent information, special educational needs or behavioural considerations of the person to receive the Tuition before the Course has started.

4.2 You acknowledge and agree that:

4.2.1 The person undertaking the Course will attend and participate in all parts of that Course no matter how it is provided and will complete all and any assignments that are required to be completed as part of the Course; and

4.2.2 the Company cannot guarantee that any participant will achieve any specific result as a result of taking the Course

4.3 If the Company requires any input from you whilst delivering the Course you will provide the same in a reasonable and timely manner.

4.4 Any delay in the provision of the Course resulting from your failure or delay in complying with any of the provisions of this Clause 4 will not be the responsibility or fault of the Company.

4.5 If the Company has agreed, as part of the Course, to provide services using Facebook:

4.5.1 the Company may set up accounts in your name if necessary and provide you with the log-in details to enable you to log-in and manage any Facebook account it has set up and the issues associated with it.

4.5.2 You will ensure that all invoices relating to the Facebook account and all services accessed though it are paid on time and in full

4.5.3 The Company will accept no responsibility or liability for any costs, damages, claims, losses and /or expenses arising out of your failure to keep any Facebook account secure and you agree to indemnify the Company for any damages, costs, claims or other expenses arising following the opening of any Facebook account and for which the Company is not responsible.

4.5.4 You acknowledge that the Company has no influence over any factors beyond its control including but not by way of limitation: the costs associated with any campaign, the results it will produce, the siting of any advertisement and the effectiveness of such a campaign or the position of any web page in search results.

4.5.5 You acknowledge that the Company has no control over your access to Facebook and that only actions taken by the Company are the responsibility of the Company and further that the Company has no obligation to continue any Facebook group it may invite you to join longer than 8 weeks.

4.6 You warrant that you are not a consumer and that your subscription to any service we offer relates to your business.

Fees and Payment

5.1 The Fee will be the fee advised to you before we accept you on a Course

5.2 Once paid none of the Fees or any part of it is refundable

5.3 The Company may charge interest on any sum not paid within 5 working days of its due date at a rate 4% above the base rate from time to time of HSBC bank plc from the date of the invoice until the actual date of payment and as well before as after judgement.

Cancellation and Termination

6.1 If You wish to cancel or re-arrange any lesson associated with the Course You must give the Company at least 72 hours prior notice failing which the Company may charge an additional fee for the cancelled lesson.

6.2 Either party may give notice in writing to the other terminating the agreement between us with immediate effect if:

6.2.1 the other party commits any material breach of any of the terms of these Terms and Conditions and that breach (if capable of remedy) is not remedied within 5 Working Days after notice being given requiring it to be remedied;

6.2.2 the other party becomes bankrupt, insolvent or becomes the subject of a receiving or winding-up order, makes any composition with its creditors or has an administrative receiver appointed over all or part of its undertaking or assets, or either the Company ceases, or threatens to cease, to carry on business.

No refund will be given in these circumstances

Intellectual Property Rights

7.1 The Company will retain ownership of any and all Intellectual Property Rights that may subsist in anything produced by the Company in the course of providing the Course. Throughout the term of the agreement between us, the Company will be deemed automatically to grant a royalty-free, non-exclusive licence of any and all such rights to the Client to use the same in accordance with these Terms and Conditions.

7.2 The Company will assert all moral rights arising out of Chapter IV of the Copyright, Designs and Patents Act 1988.

Liability

8.1 If you have a complaint against the Tutor or against the Company you must inform the Company of that complaint in writing within 24 hours of the occurrence that gave rise to it.

8.2 Neither the Company any of its staff nor any Tutor will be liable to you for any loss, injury, damage, expense or delay incurred or suffered by you or the individual receiving the Course arising directly or indirectly from or in any way connected with the Course or with any failure by the Company to introduce or supply a Tutor and, in particular, but without limitation to the foregoing, any such loss, injury, damage, expense or delay arising from or in any way connected with:

8.2.1 failure of the Course to meet your requirements; and

8.2.2 any act or omission of a Tutor, whether wilful, negligent, fraudulent, dishonest, reckless or otherwise.

PROVIDED THAT nothing in this clause 7 will exclude or restrict the liability of The Company or the Tutor to you or any other person for death or personal injury resulting from negligence or for fraudulent misrepresentation or in any other circumstances where liability may not be so limited under any applicable law.

Disclaimer

9.1 You acknowledge and agree that neither the Company nor the Tutor is qualified to give legal, accountancy or any other professional advice and that any advice given is generic in nature and that you will at all times seek full independent professional advice before taking any action on any such advice tendered by the Company

9.2 The Company does not and cannot guarantee that you will receive any specific results from the Course or any action you take as a result of having taken the Course and you acknowledge and accept that any results you achieve are dependent upon your having completed the Course successfully and correctly applying the techniques and advice it provides in a way which is suitable for the business you operate and that the Company has no control of your use of the advice it offers.

9.3 The Company offers no guarantee that, by applying the methods outlined in the Course, you will achieve any increase in traffic to your website

10 Data Protection

10.1 Both you and the Company will comply with their respective obligations under the Data Protection Laws and The Company’ Data Protection Policy at all times.

10.2 The Company will procure that each of their Tutors will also comply with their respective obligations under Data Protection Laws and the Company’ Data Protection Policy at all times.

10.3 By entering into an agreement with us you consent on your own behalf and on behalf of the individual undertaking the Course to the use by the Company and the Tutor of all personal data you supply to the Company and required for the purpose of providing the Tuition.

10.4 For the purposes of these Terms and Conditions:

10.4.1 “Data Protection Laws” means the Data Protection Act 1998, as well as any applicable statutory or regulatory provisions and all European Directives and regulations in force from time to time relating to the protection and transfer of personal data; and

10.4.2 “Data Protection Policy” means any obligations relating to data protection and/or personal data which can be obtained direct from the Company or from its website.

Relationship of the Parties

Nothing in these Terms and Conditions nor in the agreement between us will constitute or be deemed to constitute a partnership, joint venture, agency or other fiduciary relationship between the parties other than the contractual relationship expressly provided for in these Terms and Conditions.

Course and Sub-Contracting

12.1 You may not assign, mortgage, charge or sub-licence or otherwise delegate any of your rights under these Terms and Conditions, or sub-contract or otherwise delegate any of your obligations without the written consent of the Company, such consent not to be unreasonably withheld.

12.2 The Company may perform any of the obligations undertaken by it through any other member of its group or through suitably qualified and skilled sub-contractors. Any act or omission of such other member or sub-contractor will, for the purposes of these Terms and Conditions, be deemed to be an act or omission of the Company.

Miscellaneous

13.1 No modification of or variation to these Terms and Conditions will be effective unless in writing and signed by or on behalf of each of the parties hereto.

13.2 If any provision of these Terms and Conditions is held by any competent authority to be invalid or unenforceable in whole or in part, the validity of the other provisions hereof and the remainder of the provision in question will not be affected thereby.

13.3 Any waiver of any breach of or default under any of the terms of these Terms and Conditions by the Company will not be deemed a waiver of any subsequent breach or default and will in no way affect the other of these Terms and Conditions.

13.4 The Company will be entitled to transfer or assign the benefit and/or burden of the agreement between us.

13.5 The expiration or termination of the agreement between us, howsoever arising, will not operate to affect such of the provisions of these Terms and Conditions as are expressed to operate after termination.

13.6 Any notice to be given by one party to the other hereunder will either:

13.6.1 be communicated verbally initially and confirmed in writing immediately

13.6.2 be communicated directly in writing and sent (either by post or electronic

means) to the address for each party notified by one party to the other from time to time

13.7 The agreement between us does not create any rights or benefits enforceable by any person not a party to it (within the meaning of the Contracts (Rights of Third Parties) Act 1999).

13.8 Neither party will have any liability under or be deemed to be in breach of these Terms and Conditions for any delays or failures in performance of the agreement between us which result from circumstances beyond the reasonable control of that party. The party affected by such circumstances will promptly notify the other party in writing whether such circumstances cause a delay or failure in performance and when they cease to do so. If such circumstances continue for a continuous period of more than 2 weeks, either party may terminate the agreement between us by notice in writing to the other party whereupon the agreement between us will forthwith terminate.

13.9 You confirm that the email address you supply to the Company will remain valid for communications during the currency of the agreement between us and agree to furnish the Company with an alternative address if that email address becomes invalid

14. Governing Law and Jurisdiction

14.1 These Terms and Conditions and the agreement between us and any dispute or claim arising out of or in connection with it will be governed by and construed in accordance with English law.

14.2 The courts of England and Wales will have exclusive jurisdiction to settle any dispute or claim arising out of these Terms and Conditions and the agreement between us.

1. Introduction

1.1 We are committed to safeguarding the privacy of our website visitors; in this policy we explain how we will treat your personal information.

1.2 [We will ask you to consent to our use of cookies in accordance with the terms of this policy when you first visit our website.] OR [By using our website and agreeing to this policy, you consent to our use of cookies in accordance with the terms of this policy.]

2. Credit

2.1 This document was created using a template from SEQ Legal (http://www.seqlegal.com).

3. Collecting personal information

3.1 We may collect, store and use the following kinds of personal information:

(a) [information about your computer and about your visits to and use of this website (including [your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation paths])];

(b) [information that you provide to us when registering with our website (including [your email address])];

(c) [information that you provide when completing your profile on our website (including [your name, profile pictures, gender, date of birth, relationship status, interests and hobbies, educational details and employment details])];

(d) [information that you provide to us for the purpose of subscribing to our email notifications and/or newsletters (including [your name and email address])];

(e) [information that you provide to us when using the services on our website, or that is generated in the course of the use of those services (including [the timing, frequency and pattern of service use])];

(f) [information relating to any purchases you make of our [goods] OR [services] OR [goods and/or services] or any other transactions that you enter into through our website (including [your name, address, telephone number, email address and card details])];

(g) [information that you post to our website for publication on the internet (including [your user name, your profile pictures and the content of your posts])];

(h) [information contained in or relating to any communication that you send to us or send through our website (including [the communication content and metadata associated with the communication])]; and

(i) [any other personal information that you choose to send to us].

[additional list items]

3.2 Before you disclose to us the personal information of another person, you must obtain that person's consent to both the disclosure and the processing of that personal information in accordance with this policy.

4. Using personal information

4.1 Personal information submitted to us through our website will be used for the purposes specified in this policy or on the relevant pages of the website.

4.2 We may use your personal information to:

(a) [administer our website and business];

(b) [personalise our website for you];

(d) [send you goods purchased through our website];

(e) [supply to you services purchased through our website];

(f) [send statements, invoices and payment reminders to you, and collect payments from you];

(g) [send you non-marketing commercial communications];

(h) [send you email notifications that you have specifically requested];

(i) [send you our email newsletter, if you have requested it (you can inform us at any time if you no longer require the newsletter)];

(j) [send you marketing communications relating to our business [or the businesses of carefully-selected third parties] which we think may be of interest to you, by post or, where you have specifically agreed to this, by email or similar technology (you can inform us at any time if you no longer require marketing communications)];

(k) [provide third parties with statistical information about our users (but those third parties will not be able to identify any individual user from that information)];

(l) [deal with enquiries and complaints made by or about you relating to our website];

(m) [keep our website secure and prevent fraud]; and

(n) [verify compliance with the terms and conditions governing the use of our website [(including monitoring private messages sent through our website private messaging service)]].

[additional list items]

4.3 If you submit personal information for publication on our website, we will publish and otherwise use that information in accordance with the licence you grant to us.

4.4 Your privacy settings can be used to limit the publication of your information on our website, and can be adjusted using privacy controls on the website.

4.5 We will not, without your express consent, supply your personal information to any third party for the purpose of their or any other third party's direct marketing.

4.6 All our website financial transactions are handled through our payment services provider, [PSP name]. You can review the provider's privacy policy at [URL]. We will share information with our payment services provider only to the extent necessary for the purposes of processing payments you make via our website, refunding such payments and dealing with complaints and queries relating to such payments and refunds.

5. Disclosing personal information

5.1 We may disclose your personal information to [any of our employees, officers, insurers, professional advisers, agents, suppliers or subcontractors] insofar as reasonably necessary for the purposes set out in this policy.

5.2 We may disclose your personal information to any member of our group of companies (this means our subsidiaries, our ultimate holding company and all its subsidiaries) insofar as reasonably necessary for the purposes set out in this policy.

5.3 We may disclose your personal information:

(a) to the extent that we are required to do so by law;

(b) in connection with any ongoing or prospective legal proceedings;

(c) in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk);

(d) [to the purchaser (or prospective purchaser) of any business or asset that we are (or are contemplating) selling]; and

(e) [to any person who we reasonably believe may apply to a court or other competent authority for disclosure of that personal information where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that personal information].

5.4 Except as provided in this policy, we will not provide your personal information to third parties.

6. International data transfers

6.1 Information that we collect may be stored and processed in and transferred between any of the countries in which we operate in order to enable us to use the information in accordance with this policy.

6.2 Information that we collect may be transferred to the following countries which do not have data protection laws equivalent to those in force in the European Economic Area: [the United States of America, Russia, Japan, China and India].

6.3 Personal information that you publish on our website or submit for publication on our website may be available, via the internet, around the world. We cannot prevent the use or misuse of such information by others.

6.4 You expressly agree to the transfers of personal information described in this Section 6.

7. Retaining personal information

7.1 This Section 7 sets out our data retention policies and procedure, which are designed to help ensure that we comply with our legal obligations in relation to the retention and deletion of personal information.

7.2 Personal information that we process for any purpose or purposes shall not be kept for longer than is necessary for that purpose or those purposes.

7.3 Without prejudice to Section 7.2, we will usually delete personal data falling within the categories set out below at the date/time set out below:

(a) [personal data type] will be deleted [date/time].

[additional list items]

7.4 Notwithstanding the other provisions of this Section 7, we will retain documents (including electronic documents) containing personal data:

(a) to the extent that we are required to do so by law;

(b) if we believe that the documents may be relevant to any ongoing or prospective legal proceedings; and

(c) in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk).

8. Security of personal information

8.1 We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information.

8.2 We will store all the personal information you provide on our secure (password- and firewall-protected) servers.

8.3 All electronic financial transactions entered into through our website will be protected by encryption technology.

8.4 You acknowledge that the transmission of information over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.

8.5 You are responsible for keeping the password you use for accessing our website confidential; we will not ask you for your password (except when you log in to our website).

9. Amendments

9.1 We may update this policy from time to time by publishing a new version on our website.

9.2 You should check this page occasionally to ensure you are happy with any changes to this policy.

9.3 We may notify you of changes to this policy [by email or through the private messaging system on our website].

10. Your rights

10.1 You may instruct us to provide you with any personal information we hold about you; provision of such information will be subject to:

(a) the payment of a fee (currently fixed at GBP 10); and

(b) the supply of appropriate evidence of your identity [(for this purpose, we will usually accept a photocopy of your passport certified by a solicitor or bank plus an original copy of a utility bill showing your current address)].

10.2 We may withhold personal information that you request to the extent permitted by law.

10.3 You may instruct us at any time not to process your personal information for marketing purposes.

10.4 In practice, you will usually either expressly agree in advance to our use of your personal information for marketing purposes, or we will provide you with an opportunity to opt out of the use of your personal information for marketing purposes.

11. Third party websites

11.1 Our website includes hyperlinks to, and details of, third party websites.

11.2 We have no control over, and are not responsible for, the privacy policies and practices of third parties.

12. Updating information

12.1 Please let us know if the personal information that we hold about you needs to be corrected or updated.

13. Cookies

13.1 Our website uses cookies.

13.2 A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server.

13.3 Cookies may be either "persistent" cookies or "session" cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.

13.4 Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from cookies.

13.5 We use [only session cookies] OR [only persistent cookies] OR [both session and persistent cookies] on our website.

13.6 The names of the cookies that we use on our website, and the purposes for which they are used, are set out below:

(a) we use [cookie name] to [recognise a computer when a user visits our website] OR [track users as they navigate the website] OR [enable the use of a shopping cart on the website] OR [improve the website's usability] OR [administer the website] OR [prevent fraud and improve the security of the website] OR [personalise the website for each user] OR [target advertisements which may be of particular interest to specific users] OR [validate authenticated users sessions] OR [facilitate the use of our website search engine] OR [[specify purpose]].

[additional list items]

13.7 Most browsers allow you to refuse to accept cookies; for example:

(a) in Internet Explorer (version 11) you can block cookies using the cookie handling override settings available by clicking "Tools", "Internet Options", "Privacy" and then "Advanced";

(b) in Firefox (version 47) you can block all cookies by clicking "Tools", "Options", "Privacy", selecting "Use custom settings for history" from the drop-down menu, and unticking "Accept cookies from sites"; and

(c) in Chrome (version 52), you can block all cookies by accessing the "Customise and control" menu, and clicking "Settings", "Show advanced settings" and "Content settings", and then selecting "Block sites from setting any data" under the "Cookies" heading.

13.8 Blocking all cookies will have a negative impact upon the usability of many websites.

13.9 If you block cookies, you will not be able to use all the features on our website.

13.10 You can delete cookies already stored on your computer; for example:

(a) in Internet Explorer (version 11), you must manually delete cookie files (you can find instructions for doing so at http://windows.microsoft.com/en-gb/internet-explorer/delete-manage-cookies#ie=ie-11);

(b) in Firefox (version 47), you can delete cookies by clicking "Tools", "Options" and "Privacy", then selecting "Use custom settings for history" from the drop-down menu, clicking "Show Cookies", and then clicking "Remove All Cookies"; and

(c) in Chrome (version 52), you can delete all cookies by accessing the "Customise and control" menu, and clicking "Settings", "Show advanced settings" and "Clear browsing data", and then selecting "Cookies and other site and plug-in data" before clicking "Clear browsing data".

13.11 Deleting cookies will have a negative impact on the usability of many websites.

14. Data protection registration

14.1 We are registered as a data controller with the UK Information Commissioner's Office.

14.2 Our data protection registration number is [number].

15. Our details

15.1 This website is owned and operated by [name].

15.2 We are registered in [England and Wales] under registration number [number], and our registered office is at [address].

15.3 Our principal place of business is at [address].

15.4 You can contact us:

(a) [by post, using the postal address [given above]];

(b) [using our website contact form];

(d) [by email, using [the email address published on our website from time to time]]

The in-between

When you are stuck between two worlds, the old is not yours anymore and the new is not yet here. Being courageous, facing our fears and doing it regardless of stumbling or falling. Stay calm to get insight and clarity on the way.