Terms Of Use

Terms and Conditions

1.Introduction

1.1.Know Your Figures is the trading name and website owned and operated by Know Your Figures Ltd ("we", "us", or "our").
1.2.By accessing or using knowyourfigures.co.uk (the "Site") and any associated services, you agree to be bound by these terms of use ("Terms") together with our Privacy & Cookie Policy. These documents affect your legal rights and obligations, so please read them carefully. If you do not agree with them, do not use the Site. For any questions, please contact us at sarah@knowyourfigures.co.uk.
1.3.We reserve the right to update these Terms from time to time. You will be notified of any material changes if you're a registered user; otherwise, the updated Terms will apply as soon as they are posted. You are responsible for reviewing the Terms regularly.
1.4.Our services are aimed at individuals and businesses interested in developing their financial literacy, business insight, and related skills. As such, these services are offered to professionals and entrepreneurs, not consumers. Consumer cancellation rights do not apply.

2.Definitions
2.1.In these Terms:
2.2.Our Content: All content on the Site, including text, images, video, data, and software, but excluding User Content.
2.3.User Content: Content submitted by you or other users of the Site, including forum posts, uploaded files, or shared materials.
2.4.User, you: Any individual using the Site.
2.5.Site: knowyourfigures.co.uk and any subdomains or services under our control.
2.6.Words in the singular include the plural and vice versa. Headings are for convenience only. References to legislation include any amendments or replacements.

3.Registering and Use of the Site
3.1.You may need to register for full access. To do so, you must:
3.1.1.be 18 years or older,
3.1.2.be legally capable of entering into contracts,
3.1.3.have no criminal convictions (excluding minor motoring offences), 3.1.4.be legally entitled to work in the UK (if applicable), 3.1.5.and provide accurate, current information.
3.2.We reserve the right to request proof of any of the above.
3.3.You are responsible for keeping your login details confidential. Contact us immediately at sarah@knowyourfigures.co.uk if you believe your account has been compromised.
3.4.You agree not to:
3.4.1.Gain unauthorised access to our systems,
3.4.2.Harvest user data without permission,
3.4.3.Spam or misuse the Site,
3.4.4.Copy or reverse-engineer the Site or its content.

4.Our Content
4.1.All rights in Our Content are owned or licensed by us. You may view and download content for personal use, but you may not copy, reproduce, share or commercialise any of it without our written permission.
4.2.We may remove or change any content at our discretion and without notice.
4.3.External links or shared resources are provided in good faith. We are not responsible for content on third-party sites.

5.Membership Terms and Conditions
5.1.Application of Terms and Conditions
5.1.1.These terms and conditions (“Terms”) apply to She Knows Money (“Membership”) operated by Know Your Figures Ltd (“we” or “us”). By applying to be a member of our Membership, you agree to the following Terms and that these prevail over any inconsistent terms or conditions contained, or referred to, elsewhere or as implied by law, trade custom, practice or course of dealing.
5.1.2.These Terms should be read in conjunction with our Website Terms of Use, Privacy Policy and Acceptable Use Policy (all of which can be found on our website www.knowyourfigures.co.uk (“site”)).
5.1.3.Any content posted or submitted by you to our site [or to our Facebook Group] in the course of your Membership is subject at all times to the Acceptable Use Policy.
5.1.4.Where you are a corporate entity, “you” as used in these Terms shall be deemed to include your officers and employees and you shall procure that such officers and employees fully comply with these Terms.
5.1.5.The agreement is between us and you, the person or entity registering to be a member (“you”) and which is subject to these Terms (“Contract”), shall come into effect upon us emailing you to confirm our acceptance of your registration form for the membership and shall continue until terminated in accordance with these Terms.

6. Online Purchase Process
6.1.Add the membership to the cart and proceed to the checkout and make payment as directed.
6.2.Payments are processed by Stripe.
6.3.We will send you an email acknowledging your order and confirming whether we have accepted your application.

7.Membership Access and Duration
7.1.Access to the Membership will be made available immediately following confirmation of acceptance, subject to receipt of payment.
7.2.The Membership will continue on a rolling basis (e.g., monthly or annually) depending on the option you selected at the time of purchase, unless cancelled in accordance with these Terms.
7.3.You are responsible for ensuring that your contact and payment information remains up to date.

8.Membership Access and Duration
8.1.Access to the Membership will be made available immediately following confirmation of acceptance, subject to receipt of payment.
8.2.The Membership will continue on a rolling basis (e.g., monthly or annually) depending on the option you selected at the time of purchase, unless cancelled in accordance with these Terms.
8.3.You are responsible for ensuring that your contact and payment information remains up to date.

9.Membership Fees and Payment
9.1.The fees for the Membership are set out on the Site and may be updated from time to time. You will be notified in advance of any increase to your subscription fee.
9.2.Payment is taken in advance and is non-refundable except as stated in these Terms or as required by law.
9.3.If any payment is not made on time, we may suspend or terminate your access to the Membership.

10.Cancellation and Termination
10.1.You may cancel your Membership at any time by notifying us in writing via email to sarah@knowyourfigures.co.uk. Your access will continue until the end of the paid period, after which it will be revoked.
10.2.We reserve the right to terminate your Membership at any time if you breach these Terms, fail to pay, or if we discontinue the Membership. In such cases, no refund will be issued unless required by law.
10.3.Upon termination or cancellation, you will lose access to all content and resources available through the Membership.

11.Intellectual Property and Use
11.1.All content provided through the Membership is owned or licensed by us and is for your individual use only.
11.2.You may not share, reproduce, distribute, or exploit the content without our prior written consent.
11.3.Any content you submit during the Membership remains yours, but you grant us a non-exclusive, royalty-free license to use, reproduce, and display such content in connection with the operation of the Membership.

12.Liability and Disclaimers
12.1.While we aim to ensure that all content provided through the Membership is accurate and helpful, it is for general information purposes only and should not be relied upon as financial or professional advice.
12.2.We are not liable for any indirect or consequential loss arising from your use of the Membership or inability to access content.
12.3.Our total liability to you shall not exceed the total amount paid by you for the Membership in the 12 months prior to the claim.

13.General
13.1.We may transfer our rights and obligations under these Terms to another organisation without notice.
13.2.If any part of these Terms is found to be unlawful, the remainder shall continue in full force and effect.
13.3.These Terms are governed by English law and the courts of England and Wales shall have exclusive jurisdiction over any disputes arising in connection with them. By accessing this website hosted in Zenler.com, you are agreeing to be bound by these web site Terms and Conditions, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.