Terms of Service

Section 01

Account Registration and Responsibilities

1.1 Account Creation

Where required, you agree to:

• Provide accurate, complete, and current information
• Maintain the confidentiality of your login credentials
• Accept full responsibility for all activity under your account

We reserve the right to suspend or terminate accounts where information is inaccurate, misleading, or used improperly.

1.2 Age Requirement

You must be at least 18 years old to use our services. By using our services, you confirm that you meet this requirement.

Section 02

Services and Scope

2.1 Nature of Services

Client Capital provides:

• Educational programs and training
• Business consultancy and strategic guidance
• Access to digital resources, tools, and communities
• Introductions to third-party providers (where applicable)

2.2 Digital Content – Statutory Quality Standards

Where we supply digital content, we warrant that it will be of satisfactory quality, fit for the purpose for which it is supplied, and as described.

These standards are implied by the Consumer Rights Act 2015 and cannot be excluded. Where digital content does not meet these standards, you may be entitled to a repair, replacement, or price reduction under that Act. Nothing in these Terms limits or excludes these statutory rights.

2.3 No Financial Advice / Non-Regulated Activity

Any financial-related information is for informational purposes only and should not be relied upon as professional advice. You are solely responsible for any financial decisions made, conducting your own due diligence, and seeking independent professional advice where appropriate.

2.4 Third-Party Introductions

Where we introduce you to third-party providers:

• We do not control or guarantee their services
• We are not responsible for their actions, outcomes, or agreements
• Any relationship is strictly between you and the third party

Section 03

Your Right to Cancel

If you are a consumer purchasing our services online, you have the right to cancel your contract within 14 calendar days without giving any reason (the "Cooling-Off Period"), under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

3.1 When the Cooling-Off Period Begins

The 14-day Cooling-Off Period begins on the day the contract is concluded — the day your purchase is confirmed.

3.2 Waiver of Cooling-Off Period for Digital Content

Where our services constitute digital content, by completing your purchase you acknowledge that you have requested performance begin immediately, and that once download or streaming has commenced, your right to cancel will be lost.

If you do not consent to immediate commencement, you may cancel within 14 days without charge under Clause 3.3 below.

3.3 How to Cancel

To cancel, inform us by a clear statement before the end of the Cooling-Off Period:

Email: [email protected]

You may use the model cancellation form at the end of these Terms but are not required to do so.

3.4 Effects of Cancellation

If you cancel within the Cooling-Off Period and have not consented to immediate commencement, we will reimburse all payments received within 14 days of your cancellation request, using the same payment method. No fee will be charged.

Section 04

Refund Policy

4.1 Eligibility (Outside Cooling-Off Period)

Outside the statutory Cooling-Off Period, refunds may be granted at our discretion within 14 days of purchase, provided:

• You have not accessed or completed more than 20% of the programme
• The request is submitted within the required timeframe

4.2 Exclusions

Refunds will not be granted where:

• The 14-day period from purchase has expired
• Usage exceeds 20%
• You breach these Terms

4.3 Process

Requests must be submitted to [email protected] and must include your full name, order reference, and reason for request.

4.4 Processing

Approved refunds will be processed within 3–5 business days and issued via the original payment method.

This Refund Policy does not affect your statutory rights, including your right to cancel under Clause 3 or your rights under the Consumer Rights Act 2015.

Section 05

Licence and Use Restrictions

All content is provided under a limited, non-exclusive, non-transferable licence for your personal use only. You may not:

• Copy, reproduce, or distribute materials
• Share login access with any other person
• Resell or repurpose content
• Use materials to create competing services

Unauthorised use may result in immediate termination of your access and may give rise to a claim for damages.

Section 06

User Conduct

You agree not to:

• Violate any applicable laws or regulations
• Infringe any intellectual property rights
• Misuse or exploit our services
• Engage in fraudulent or misleading activity

Section 07

Community Standards

Where access to a community is provided, you agree to:

• Act respectfully and professionally at all times
• Maintain confidentiality of other members' information
• Avoid harassment, spam, or promotional abuse

We reserve the right to remove content or revoke community access at our discretion, subject to giving you reasonable notice where practicable.

Section 08

Payments and Billing

8.1 Payment Terms

By purchasing, you:

• Confirm you are authorised to use the payment method provided
• Agree to pay all fees in full
• Accept responsibility for any applicable taxes or charges

Payments are processed via third-party providers (e.g. Stripe). We do not store your full card details.

Section 09

Intellectual Property

All content, materials, and branding are owned by DTZG Consulting Ltd (Company Number: 15213778), trading as Client Capital. You are granted no ownership rights.

9.1 User-Submitted Content

By submitting content (e.g. testimonials, community posts), you grant us a worldwide, royalty-free, perpetual licence to use, reproduce, and distribute that content in connection with our services. You retain ownership of your submitted content.

Section 10

Disclaimer of Warranties

Subject to the statutory quality standards set out in Clause 2.2 and your statutory rights as a consumer, our services are provided on an "as available" basis. We make no representations or warranties beyond those required by law.

10.1 No Earnings or Results Guarantee

Section 11

Limitation of Liability

To the fullest extent permitted by law, DTZG Consulting Ltd shall not be liable for:

• Indirect or consequential losses
• Loss of profit, revenue, or business opportunity
• Decisions made based on the content of our services

Our total liability to you shall not exceed the total amount paid by you to us in the 12 months preceding the event giving rise to the claim.

Nothing in these Terms limits or excludes our liability for: (a) death or personal injury caused by our negligence; (b) fraud or fraudulent misrepresentation; (c) any liability which cannot be excluded by law, including under the Consumer Rights Act 2015.

Section 12

Indemnity

You agree to indemnify and hold harmless DTZG Consulting Ltd from any third-party claims, losses, or expenses (including reasonable legal fees) arising directly from:

• Your misuse of our services
• Your breach of these Terms
• Your violation of applicable laws or third-party rights

This indemnity does not apply to the extent that any claim arises from our own negligence or breach.

Section 13

Complaints and Alternative Dispute Resolution

13.1 Complaints Process

If you have a complaint, please contact us in the first instance at: [email protected]

We aim to acknowledge complaints within 5 business days and to resolve them within 28 days. Where we cannot resolve a complaint to your satisfaction, we will write to you explaining our final position.

13.2 Alternative Dispute Resolution (ADR)

If we are unable to resolve your complaint through our internal process, you may refer the matter to an approved ADR provider. Details of approved schemes are available from the Chartered Trading Standards Institute at tradingstandards.uk.

We are not obliged to participate in ADR but will consider any request on a case-by-case basis.

You also have the right to use the European Commission's Online Dispute Resolution platform at ec.europa.eu/consumers/odr.

Section 14

Termination

We may suspend or terminate your access where:

• You breach these Terms
• Misuse of the platform occurs
• We reasonably determine there is a risk to the business or other users

Where termination is not caused by your breach, we will give you reasonable notice and will consider any applicable refund on a pro-rata basis.

Section 15

Force Majeure

We are not liable for any failure or delay in performance caused by events beyond our reasonable control, including technical failures, acts of God, government restrictions, pandemics, or third-party outages. We will notify you as soon as reasonably practicable and will use reasonable endeavours to resume performance.

Section 16

Data Protection and Privacy

We process personal data in accordance with our Privacy Policy and in compliance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

DTZG Consulting Ltd is registered with the Information Commissioner's Office (ICO). You may verify our registration at ico.org.uk.

You may request access to, correction of, or deletion of your personal data by contacting: [email protected]

Section 17

Changes to These Terms

We may update these Terms from time to time. For material changes, we will provide at least 14 days' notice by email before the changes take effect. Your continued use of our services after the notice period constitutes acceptance of the updated Terms. If you do not accept the updated Terms, you may terminate your agreement with us before the changes take effect.

Section 18

Governing Law and Jurisdiction

These Terms are governed by the laws of England and Wales. Any disputes arising from or connected with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales, save that nothing in this clause prevents you from bringing proceedings in the courts of the country in which you are domiciled if required by law.

Appendix

Model Cancellation Form

Complete and return this form only if you wish to withdraw from the contract.