TERMS AND CONDITIONS
Last updated: June 2019
Please read these Terms and Conditions (“Terms”) carefully before using https://themoneypanel.co.uk (the “Site”) operated by Catherine Morgan (“us”, “we”, or “our”, “me”, “I”).
Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Site or Service.
By accessing or using the Site or Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.
All content on the website is owned exclusively by us, and may not be copied, reproduced, or shared in a way which suggests it belongs to anyone other than us. Quotes may be extracted from content on this site in the event that explicit permission is sought from us, and adequate credit is displayed.
Links To Other Web Sites
Our Service may contain links to third-party web sites or services that are not owned or controlled by us.
Catherine Morgan has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree I shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.
FCA & Affiliates
Catherine Morgan/The Money Circle may receive financial compensation from a merchant if a reader chooses to purchase goods/services via links on this website. You are in no way obligated to make any purchases and there is no additional cost to the reader by using these links. I am always honest in my opinions and will only recommend products or services that I have either used myself, or that I believe could be of benefit to readers. The Money Circle is not regulated by The Financial Conduct Authority (FCA).
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
Purchase of digital products and services
The below Terms and Conditions of Sale (terms of sale) set out the terms applicable to the sale of this digital product. By confirming your acceptance to these terms of sale and completing your purchase, you understand that you are entering into a legally binding agreement with Catherine Morgan/The Money Circle, a company registered in England and Wales, with company registration number 10267198.
These terms of sale (together with any relevant documents referred to in them) set out the terms on which we supply any of the following products via any of our sites.
- Digital downloads of audio products to your computer or mobile device
- Digital downloads of video products to your computer or mobile device
- Digital downloads of supporting materials (including booklets and worksheets) to your computer or mobile device
After you have read these terms of sale, you will be asked to confirm that you have read, understood and accept our terms of sale. You will not be able to purchase this or any other anything digital products through our site unless confirmation is given. Any terms that you seek to impose in respect of your purchase of digital products through this site will not form part of any contract between us. Please read these terms of sale carefully before ordering any digital products or services, including the Membership, from our site.
By placing an order for digital products, courses, or services through our site, you warrant that you are legally capable of entering into binding contracts, that you are at least 18 years old and that you are purchasing our digital products for your private, non-commercial use only. You further warrant that you will not copy, rent, hire, record, edit, clip, exchange, lend, allow for the public performance, broadcasting, downloading or sharing of files or of access details, with anybody else other than may be allowed under the terms of any licence that is granted to you as a part of the sale.
You are responsible for ensuring that you do not lose, destroy, or damage any digital product you purchase through this site.
You are responsible for ensuring that any hardware you use to download and/or access these digital products function correctly with this site. You acknowledge and agree that the provision of all these requirements is your responsibility and is at your own cost. We are not obliged to ensure that our products are compatible with every manufacturer of mobile handsets.
Placing an order
After placing an order for any digital products, courses, or services via our site, you will receive an on-screen message and e-mail from us acknowledging receipt and setting out the details of your order.
The contract for the purchase of any digital products, courses, or services will only be formed when you have agreed to these terms of sale, we have received payment in full (or your first payment for monthly membership subscriptions) for the digital product, course, or service you are purchasing and we make the digital product available for download or access. We reserve the right, in our sole discretion to reject any order we receive.
All digital products featured on our site are subject to availability. We reserve the right to change or remove a digital product or other content on the site at any time without notice or liability to you.
Digital products will normally be available to download immediately upon purchase. There may be occasions when they are not available and we make no guarantee that any digital product ordered will be made available immediately (for example, if the site is taken down for maintenance or there is another technical issue). In such cases, we will use our best endeavours to give you access to your downloadable digital products as soon as possible following your purchase.
Where we are unable to provide you with any digital products that you have purchased, you agree that we can offer you either alternative goods to a similar value (upon your agreement that the alternative goods are suitable) or a complete refund. We will not be liable for our inability to fulfil a particular order from you.
Price and Payment
The price of any digital product will be as quoted on this site at the current time and will be shown inclusive of any VAT. We reserve the right to make certain digital products available only as part of a different purchase, for example, part of a Service package.
Prices for digital products are liable to change at any time, but changes will not affect orders in respect of which we have already taken payment and made the download available.
Please note that some network/service providers may charge you an additional amount for downloading digital products to a mobile handset. We recommend that you contact your network/service provider to understand the nature and extent of any additional charges before downloading to a mobile device. Note that overseas roaming charges may also apply. We will not be held liable for any such charges.
By providing the details of a credit or debit card or payment account to be debited, you confirm that you are authorised to purchase the digital products and that you have the permission of or are the holder of the credit or debit card, PayPal or other account being used to pay for the transaction. All card payments and cardholder details may be subject to validation checks carried out by us and/or the card issuer. If any validation checks are required, we will not be held liable for any delays or non-delivery nor are we obliged to.
In respect of validation checks and authorisation carried out by the card issuer, if the issuer of your card refuses to authorise payment we will not accept your order and we will not be liable for any delay or non-delivery or any bank charges applied to you. We are not obliged to inform you of the reason for the refusal.
Intellectual Property Rights
We are the owner or licensee of all intellectual property rights in the site and the digital products you purchase, including any databases that hold relevant information about the site and its products.
All of the digital products that are available for sale on our site are owned or controlled by us. Upon payment of the price for any of these digital products, we grant you a non-exclusive, non-transferable licence to use the digital products for your own personal, non-commercial use.
You shall not redistribute, transmit, assign, sell, commercially exploit, broadcast, modify, adapt, edit, sub-licence, rent, share, lend, or transfer any digital products that you purchase through this site.
We do not guarantee the accuracy of the content of our digital products, and you are responsible for the way you use its content.
We shall not limit or exclude our liability for:
- death or personal injury;
- any financial loss incurred;
- fraud or fraudulent misrepresentation; or
- any act, omission or matter, liability for which may not be excluded or limited under any Applicable Law.
We shall not be liable to you for any indirect, special or consequential loss or damage, including:
- loss of profit;
- loss of savings; or
- loss of contract.
Although we try to ensure our digital products work seamlessly and without errors, we do not warrant that your use of the digital products will be uninterrupted. We are not responsible for any loss or damage you may suffer resulting from any interruptions or although we will do our utmost to rectify any issues you encounter as soon as possible.
Any duty of care owed to you by us is owed to you alone and no duty of care is owed to any third party and we do not assume any responsibility to any third party in respect of the performance of our duties to you.
Events outside of our control
We will not be liable for any failure or delay to perform any of our obligations under a contract for a digital product that is caused by events outside our reasonable control.
If you have any questions about these Terms, please contact us here.