This website is owned and operated by Mercantile Securities Ltd.,
Registered Office: Cambridge Business Lounge, 52 Burleigh Street, Cambridge, UK, CB1 1DJ.
Registered in England: 05143437
VAT No 851 5684 08
Ann Hawkins, Work Smart Not Hard and Inspiring Entrepreneurs are trading names of Mercantile Securities Ltd.
TERMS OF BUSINESS
In these terms of sale, “we” means Mercantile Securities Ltd (trading as The Mercantile Group) (and “us” and “our” will be construed accordingly); and “you” means our customer or potential customer for products (and “your” will be construed accordingly).
3. The products
Our products are designed for you to use within your own business and are based on copyrighted materials. You are not permitted to copy, distribute, re-use, re-purpose, sell or use them for any commercial or non-commercial activities other than those stated in this programme without prior permission.
4. Price and payment
Prices for our goods and services are quoted on our website. We will verify prices as part of our sale procedures so that the correct price will be stated when we confirm your order. Payment must be made upon submission of the order. We may withhold the products and/or cancel the contract between us if the price is not received from you in full in cleared funds. The prices on the website do not include all value added taxes (where applicable). Payment for all products must be made by any method detailed on the website from time to time.
5. Your warranties
You warrant to us that:
(a) you are legally capable of entering into binding contracts, and you have full authority, power and capacity to agree to these terms of sale;
(b) the information provided in your order is accurate and complete;
(c) you will be able to accept delivery of the products;
(d) you are at least 18 years of age.
6. Statutory rights
Nothing in these terms of sale affects your statutory rights.
If you complete Lesson One and Lesson Two of this programme and decide you don’t want any more please email us at email@example.com to request cancellation of the programme and a refund of the amount you paid for the programme BEFORE Lesson Three is delivered to you. Lessons are delivered at seven day intervals. If Lesson Three is despatched before we get your request for cancellation you will not be entitled to a refund. We will usually refund any money received from you, including VAT, using the same method originally used by you to pay for your purchase. We will process the refund due to you as soon as possible and, in any event, within 30 days of the day we agree to the refund.
8. Limitations and exclusions of liability
Nothing in the terms of sale will: (a) limit or exclude the liability of a party for death or personal injury resulting from negligence; (b) limit or exclude the liability of a party for fraud or fraudulent misrepresentation by that party; (c) limit or exclude any liability of a party under Section 12, 13, 14 or 15 of the Sale of Goods Act 1979 or Part I of the Consumer Protection Act 1987; (d) limit any liability of a party in any way that is not permitted under applicable law; or (e) exclude any liability of a party that may not be excluded under applicable law. Any statutory rights which you have as a consumer, which cannot be excluded or limited, will not be affected by the terms of sale.
The limitations and exclusions of liability set out in this Section:
(a) are subject to the preceding paragraph; and
(b) govern all liabilities arising under the terms of sale or in relation to the subject matter of the terms of sale, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.
We will not be liable to you in respect of any losses arising out of any event or series of events beyond our reasonable control.
We will not be liable to you in respect of any business losses, such as loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill.
9. General terms
If any provision of these terms of sale is held invalid or unenforceable by a court of competent jurisdiction, the remaining provisions will remain in full force and effect, and such invalid or unenforceable provisions or portion thereof will be deemed omitted.
No waiver of any provision of these terms of sale, whether by conduct or otherwise, in any one or more instances, will be deemed to be, or be construed as, a further or continuing waiver of that provision or any other provision of these terms of sale.
You may not assign, charge, sub-contract or otherwise transfer any of your rights or obligations arising under these terms of sale. Any attempt by you to do so will be null and void. We may assign, charge, sub-contract or otherwise transfer any of our rights or obligations arising under these terms of sale, at any time – providing such action does not serve to reduce the guarantees benefiting you under these terms of sale.
Each contract under these terms of sale is made for the benefit of the parties to it and is not intended to benefit, or be enforceable by, any other person. The right of the parties to terminate, rescind, or agree any amendment, variation, waiver or settlement under such contracts is not subject to the consent of any person who is not a party to the relevant contract.
These terms of sale will be governed by and construed in accordance with English law, and the courts of England and Wales will have non-exclusive jurisdiction to adjudicate any dispute arising under or in relation to these terms of sale.
Mercantile Securities Ltd (trading as The Mercantile Group) (“We“) is committed to protecting and respecting your privacy.
We may collect and process the following data:
Information that you provide by filling in forms on our site worksmartnothard.co (“our site”). This includes information provided at the time of registering to use our site, subscribing to our service, posting material or requesting further services. We may also ask you for information when you report a problem with our site.
Financial information will be processed by PayPal and we will not hold any details of your credit cards, geographical address other personal data.
We will collect your email address and guarantee that we will not share this with any third party.
If you contact us, we may keep a record of that correspondence.
We may collect details of your visits to our site and the resources that you access.
IP addresses and cookies
We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration and to aggregate information for our own use. This is statistical data about our users’ browsing actions and patterns, and does not identify any individual.
For the same reason, we may obtain information about your general internet usage by using a cookie file. Cookies contain information that help us to improve our site and to deliver a better and more personalised service. They enable us:
o To estimate our audience size and usage pattern.
o To store information about your preferences, and so allow us to customise our site according to your individual interests.
o To speed up your searches.
o To recognise you when you return to our site.
Uses made of the information
We use information held about you in the following ways:
o To ensure that content from our site is presented in the most effective manner for you and for your computer.
o To provide you with information, products or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes.
o To carry out our obligations arising from any contracts entered into between you and us.
o To allow you to participate in interactive features of our service, when you choose to do so.
o To notify you about changes to our service.
You will always have the option to use the ‘unsubscribe’ link contained within any electronic communications.
Disclosure of your information
We may disclose your personal information to third parties:
o In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.
o If our business or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.
o If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our terms and conditions of supply and other agreements; or to protect the rights, property, or safety of our business, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.
1. Terms of website use
2. Accessing our site
Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our site without notice (see below). We will not be liable if for any reason our site is unavailable at any time or for any period.
From time to time, we may restrict access to some parts of our site, or our entire site, to users who have registered with us.
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, and that they comply with them.
3. Intellectual property rights
We are the owner of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
You may print off, and may download extracts, of any page(s) from our site for your personal reference and you may draw the attention of others within your organisation to material posted on our site.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must 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 material on our site must always be acknowledged.
You must not use any part of the materials on our site for commercial purposes without obtaining permission to do so from us.
4. Reliance on information posted
Commentary and other materials posted on our site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.
5. Our liability
The material displayed free of charge on our site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, and third parties connected to us hereby expressly exclude:
o All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
o Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it, including, without limitation any liability for:
o loss of income or revenue;
o loss of business;
o loss of profits or contracts;
o loss of anticipated savings;
o loss of data;
o loss of goodwill;
o wasted management or office time; and
o for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.
This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.
6. Information about you and your visits to our site
7. Transactions concluded through our site
If applicable, contracts for the supply of goods and/or services formed through our site or as a result of visits made by you are governed by our terms and conditions of business.
8. Viruses, hacking and other offences
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 would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the 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.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses 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 material posted on it, or on any website linked to it.
9. Linking to our site
You may link to our website, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but 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.
You must not establish a link from any website that is not owned by you.
Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page. We reserve the right to withdraw linking permission without notice.
If you wish to make any use of material on our site other than that set out above, please address your request to firstname.lastname@example.org
10. Links from 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, and accept no responsibility for them or for any loss or damage that may arise from your use of them.
11. Members’ Area
Your details: You must ensure that the details provided by you on registration or at any time are correct and complete. You must inform us immediately of any changes to the information that you provided when registering by updating your personal details in order that we can communicate with you effectively.
Password and security: When you register to use our Members’ Area you will be asked to create a password. In order to prevent fraud, you must keep this password confidential and must not disclose it or share it with anyone. If you know or suspect that someone else knows your password you should notify us by contacting us immediately.
If we have reason to believe that there is likely to be a breach of security or misuse of our resources, we may require you to change your password or we may suspend your account.
Prohibited Uses: You may not use the Members’ Area for any of the following purposes:
o disseminating any unlawful, harassing, libellous, abusive, threatening, harmful, vulgar, obscene, or otherwise objectionable material or otherwise breaching any laws;
o transmitting material that encourages conduct that constitutes a criminal offence, results in civil liability or otherwise breaches any applicable laws, regulations or code of practice;
o interfering with any other person’s use or enjoyment of the Company Site; or
o making, transmitting or storing electronic copies of materials protected by copyright without the permission of the owner.
Your responsibility: You will be responsible for our losses and costs resulting from your breach of this clause.
Our right to suspend or cancel your registration:
We may suspend or cancel your registration immediately at our reasonable discretion or if you breach any of your obligations under these Terms and Conditions.
You can cancel your registration at any time by informing us by email. If you do so, you must stop using our site.
The suspension or cancellation of your registration and your right to use our site shall not affect either party’s statutory rights or liabilities.
12. Jurisdiction and applicable law
14. Your concerns
If you have any concerns about material which appears on our site, please contact us