STANDARD TERMS & CONDITIONS FOR SUPPLY OF 
                          SERVICES & DIGITAL CONTENT FOR LOW COST E-LEARNING LIMITED
These are the Terms and Conditions on which We  supply Courses (as defined below) to You, whether these are Services (as  defined below) or Digital Content (as defined below) and as listed on our  Website, www.lowcoste-learning.co.uk (“the Website”). Please read these Terms  and Conditions carefully before placing any Order (as defined below) with Us.  You should understand that by ordering any of our Courses, You agree to be  bound by these Terms and Conditions. You should print a copy of these Terms and  Conditions for future reference. These Terms and Conditions are incorporated  into the Contract between Us for the provision of the Courses. Please  understand that if You refuse to accept these Terms and Conditions, You will  not be able to Order any Courses, including Services or Digital Content from  Us.
                          1. Definitions 
                          In this document the following words shall have the  following meanings:
                          “Consumer” means an individual acting for purposes that are  wholly or mainly outside that individual’s trade, business, craft or  profession;
                          “Contract” means these Terms and Conditions together with the  terms of any applicable Service Specification;
                          “Courses” means courses supplied by Us, together with  relevant Course Materials (where applicable) as more particularly described on  the Website;
                          “Course Materials” means the supporting materials and documentation  supplied with the Courses (where applicable);
                          “Digital Content” means any e-learning resources provided to You by  Us;
                          “Intellectual Property  Rights”  means patents, rights to Inventions,  copyright and related rights, trade-marks, trade names and domain names, rights  in get-up, rights in goodwill or to sue for passing off, rights in designs,  rights in computer software, database rights, rights in confidential  information (including know-how and trade secrets) and any other intellectual  property rights, in each case whether registered or unregistered and including  all applications (or rights to apply) for, and renewals or extensions of, such  rights and all similar or equivalent rights or forms of protection which may  now or in the future subsist in any part of the world;
                          “Licences” means Your right to access a digital e-learning  course for a period of 12 months having previously paid for it or entered into  a binding subscription to pay.
                          “Order” means Your Order for the Products;
                          “Products” means the Courses, including any Services or  Digital Content.
                          “Services”  mean the Services to be provided by Us to You  in connection with the Courses, as more particularly described on the Website;
                          “Service Specification”  means a statement of work or Order  confirmation or other similar document describing the Services or Digital  Content to be provided by Us;
                          “We / Our / Us”  means Low Cost E-Learning Limited, a company  registered in England and Wales under company number 10372858 of Spectrum  House, Gatwick, RH6 0LG. 
                          “You / Your”  means the organisation or person, who  purchases Services from Us.
                          2. INFORMATION ABOUT US 
                          2.1.We operate the Website, www.lowcoste-learning.co.uk.
                          3. GENERAL 
                          3.1.These Terms and Conditions shall  apply to all Contracts for the supply of Courses, including any applicable Licences,  Services or Digital Content, by Us to You.
                          3.2.Before the commencement of the  Courses, We will submit to You a Service Specification and/or description of  the Courses (as appropriate) which shall specify the Courses, Course Materials  (where applicable), Digital Content and/or Services to be performed or supplied  and the price payable. You shall notify Us immediately if You do not agree with  the contents of the Service Specification or description of the Courses. All  Service Specifications or Course descriptions are subject to these Terms and  Conditions.
                          3.3.Subject to clause 10, We shall use  reasonable endeavours to complete the Services, provide the Digital Content or  deliver the Courses within estimated time frames, but time shall not be of the  essence in the performance of any Services and/or delivery of the Courses/ Digital  Content.
                          3.4.We may, in addition to our own  employees, engage sub-Contractors to provide all or part of the  Courses/Services being provided to You and such engagement shall not relieve Us  of our obligations under the Contract.
                          4. YOUR STATUS 
                          4.1.By placing an Order with Us by any  means (including by email, telephone, letter, fax or via Our Website), You  warrant that:
                          4.1.1.You are legally capable of entering  into binding Contracts;
                          4.1.2.You are at least 18 years old.
                          5. HOW THE CONTRACT IS FORMED 
                          5.1.Placing an Order with Us. After placing an Order with Us by any means  (including by email, telephone, letter, fax or via Our Website), You will  receive an e-mail from Us acknowledging that We have received Your Order.  Please note that this does not mean that Your Order has been accepted.
                          5.2.Confirming the Order. Your Order constitutes an offer to Us to  provide the Courses/Services/Digital Content. All Orders are subject to  acceptance by Us and We will send to You a Service Specification, together with  the prices payable for those Courses/ Services/Digital Content together with a  set of these Terms and Conditions. If We are unable to accept the Order We will  inform the You of this and will not process the Order.
                          5.3.Acceptance of the Order by Us. The Contract between Us and You will only be  formed when We send to You the Service Specification or the description of the  Courses, together with the prices and the Terms and Conditions. If You do not  agree with the contents of the Service Specification or written description of  the Courses, You shall notify Us immediately (and in any event within two (2)  days of the date of the Service Specification or description of the Courses) by  any means (including by email, telephone, letter, fax or via Our Website). We  will correct any errors in the Service Specification and/or description of the  Courses and will email the amended Service Specification and/or description of  the Courses to You to confirm agreement with its contents and these Terms and  Conditions will become binding on You and Us.
                          6. CANCELLATION CHARGES 
                          6.1.Short Courses. 
                          6.1.1.Once We receive confirmation from You  that You wish to proceed with the Order as per Our Service Specification and/or  Course description, You shall be liable for the whole fee unless You provide Us  with written notification of cancellation.
                          6.1.2.Where You cancel a short Course in  writing, You will become liable for the following:-
                          6.1.2.1.21 days or more written notice - 25%  of total cost of the Course;
                          6.1.2.2.15 - 20 days written notice - 50% of  total cost of the Course;
                          6.1.2.3.8 - 14 days written notice - 75% of  total cost of the Course; or
                          6.1.2.4.   -   Less  than 7 days written notice -100% of total cost of the Course.
                          6.2.Transferring a Short Course (on site at Your  premises). Should You need to transfer a  confirmed booking for a short Course (on site at Your premises) to another date  with more than 7 days written notice there will be no charge. If You provide 7  days or less written notice You will be charged for the total cost of the  Course. Any subsequent date changes for the same booking will be chargeable in  full irrespective of notice given.
                          6.3.Transferring a Short Course (open/scheduled  courses at public venues). 
                          6.3.1.Subject to clause 6.4.2, should You  need to transfer a confirmed booking for a short Course (open/scheduled courses  at public venues) to another Course, the following charges will apply dependent  on notice given:-
                          6.3.1.1.28 days or more written notice - no  charge;
                          6.3.1.2.11-27 days written notice - 25% of  total cost of the Course; or
                          6.3.1.3.10 days or less written notice - 50%  of total cost of the Course.
                          The above charges only relate to the first  transfer. Subsequent date changes for the same booking will be chargeable in  full irrespective of notice given.
                          6.4.2If you are a Business and You cancel  a short Course at a public venue and the date of that short Course falls within  14 days after the date of booking, then no refund shall be permitted.
                          6.4.Distance Learning Courses. 
                          6.4.1.Once We receive confirmation from You  that You wish to proceed with the Order as per Our Service Specification and/or  Course description, You shall be liable for the whole fee unless You provide Us  with written notification of cancellation in accordance with clause 16.1.
                          6.4.2.Where you cancel a distance learning  Course in accordance with clause 16.1 You will become liable for the following:
                          6.4.2.1.28 days or more written notice - 25%  of total cost of the Course;
                          6.4.2.2.11-27 days written notice - 50% of  total cost of the Course;
                          6.4.2.3.10 days or less written notice - 100%  of total cost of the Course.
                          6.4.3Single unit Courses must be completed  within 6 Weeks and multiple-unit Courses must be completed within 6 months. You  need to return the assignments in accordance with the timescale written on  their introductory letter. Late submissions may result in an additional  administration fee and or/cancellation of the Course.
                          6.5.E-Learning (Digital Content). 
                          6.5.1.Subject to clause 15.4.2, in the  event that a Consumer purchases Digital Content and seeks to cancel within 14  working days (commencing the day after purchase) and seek a refund then they  may only do so provided that the media has not been downloaded, accessed or  streamed.
                          6.5.2.In the event that You have  downloaded, accessed or streamed the Digital Content within the 14 working day  cooling off period (see clause 15.4.2), You can no longer obtain a refund for  that Digital Content.
                          6.6.All Courses. 
                          6.6.1.No refund will be made for  non-attendance on a Course.
                          6.6.2.In the event of a cancellation of a  Course by Us, We will use reasonable endeavours to inform You as soon as  possible of the cancellation, where it is practicable to do so. All Course  prices paid will be reimbursed in full, but We are not obliged to reimburse any  other costs which have been incurred by You.
                          6.7.Failure to notify the cancellation of the  booking. Cancellation or transfer must be made  known to Us before the date of the Course. If You do not attend a Course  without giving prior notice to Us, the full Course fee remains payable.
                          7. OUR RIGHTS TO END THE CONTRACT 
                          7.1.We may end the Contract for a Product at any  time by writing to You if: 
                          7.1.1.You do not make any payment to Us  when it is due and You still do not make payment within 7 days of Us reminding  You that payment is due or
                          7.1.2.You do not, within a reasonable time  of Us asking for it, provide Us with information that is necessary for Us to  provide the Products or
                          7.1.3.You do not, allow Us access to Your  premises to provide the Courses.
                          7.2.You must compensate Us if You break the  Contract. If We end the Contract in the  situations set out in clause 7.1 We will refund any money You have paid in  advance for Products We have not provided but We may deduct or charge You  reasonable compensation for the net costs We will incur as a result of You  breaking the Contract.
                          8. ALTERATIONS TO THE SERVICE  SPECIFICATION 
                          8.1.Mutual alterations to the Service  Specification. The parties may mutually agree  to alter the scope of the Services as set out on the Service Specification. The  alterations agreed between the parties shall be agreed in writing and set out  in a new Service Specification.
                          8.2.Alterations to the Service Specification  requested by You. You may make a request to Us to  alter the scope of the Services as set out in the Service Specification by  giving 21 days written notice to Us prior to the date that the Services are to  be performed by Us. On receipt of the written request from You, We shall,  within 5 working days or such other period as may be agreed between the  parties, advise You in writing of any changes to the price payable by You as a  result of the alterations.
                          8.3.Alterations to the Service Specification  requested by Us. We may propose alterations to  the scope of the Services as set out in the Service Specification by giving 21  days written notice to You prior to the date that the Services are to be  performed by Us. You shall, within 5 working days of receipt of such notice, or  such other period as may be agreed between the parties, advise Us in writing as  to whether or not You wish to proceed with the Contract on the basis of the  alterations.
                          8.4.Amended Service Specifications. Should You wish to proceed with the Contract  on the basis of the alterations as set out in clause 8.2 or 8.3, We shall  generate a new Service Specification to reflect the alterations as agreed by  You and send the new Service Specification to You and We shall perform the  Services in accordance with the new Service Specification.
                          9. PROVIDING THE PRODUCTS 
                          9.1.Delivery costs. The costs of delivery will be as displayed in  the Royal Mail first class tariff from time to time.
                          9.2.If the Products are one-off Services (course  booking). We will provide the Service and  book the Course on the date We accept Your Order.
                          9.3.If the Product is a one-off purchase of  Digital Content. We will make the Digital  Content available for download by You as soon as We accept Your Order.
                          9.4.We are not responsible for delays outside  our control. If our supply of the Products  is delayed by an event outside our control then We will contact You as soon as  possible to let You know and We will take steps to minimise the effect of the  delay. Provided We do this We will not be liable for delays caused by the  event, but if there is a risk of substantial delay You may contact Us to end  the Contract and receive a refund for any Products You have paid for but not  received.
                          9.5.If You do not allow Us access to provide the  Services. If You do not allow Us access  to Your premises to provide the Courses as arranged (and You do not have a good  reason for this) We may charge You additional costs incurred by Us as a result.  If, despite our reasonable efforts, We are unable to contact You or re-arrange  access to Your property We may end the Contract and clause 7.2 will apply.
                          9.6.What will happen if You do not give required  information to Us. We may need certain information  from You so that We can supply the Products to You, for example, an address for  delivery. If so, this will have been stated in the description of the Products  on our Website. We will contact You to ask for this information. If You do not  give Us this information within a reasonable time of Us asking for it, or if  You give Us incomplete or incorrect information, We may either end the Contract  (and clause 7.2 will apply) or make an additional charge of a reasonable sum to  compensate Us for any extra work that is required as a result. We will not be  responsible for supplying the Products late or not supplying any part of them  if this is caused by You not giving Us the information We need within a  reasonable time of Us asking for it.
                          9.7.Reasons We may suspend the supply of  Products to You. We may have to suspend the  supply of a Product to:
                          9.7.1.deal with technical problems or make  minor technical changes;
                          9.7.2.update the Product to reflect changes  in relevant laws and regulatory requirements;
                          9.7.3.make changes to the Service  Specification as requested by You or notified by Us to You (see clause10).
                          9.8.Your rights if We suspend the supply of  Products. We will contact You in advance  to tell You We will be suspending supply of the Products, unless the problem is  urgent or an emergency. If We have to suspend the Product for longer than 30  days We will adjust the price so that You do not pay for Products while they  are suspended. You may contact Us to end the Contract for a Product if We  suspend it, or tell You We are going to suspend it, in each case for a period  of more than 30 days and We will refund any sums You have paid in advance for  the Product in respect of the period after You end the Contract.
                          9.9.We may also suspend supply of the Products  if You do not pay. If You do not pay Us for the  Products when You are supposed to (see clause 10.3) and You still do not make  payment within 7 days of Us reminding You that payment is due, We may suspend  supply of the Products until You have paid Us the 6 outstanding amounts. We  will contact You to tell You We are suspending supply of the Products. We will  not suspend the Products where You dispute the unpaid invoice (see clause  10.6). We will not charge You for the Products during the period for which they  are suspended. As Well as suspending the Products We can also charge You  interest on Your overdue payments (see clause 10.4.3).
                          10. PRICE AND PAYMENT 
                          10.1.Where to find the price for the Product. The price of the Product (which includes VAT)  will be the price indicated on the Service Specification and/or description of  the Course. We take reasonable care to ensure that the price of Product advised  to You is correct. However please see clause 10.3 for what happens if We  discover an error in the price of the Product You Order.
                          10.2.We will pass on changes in the rate of VAT. If the rate of VAT changes between the date  of Your Order and the date We supply the Product, We will adjust the rate of  VAT that You pay, unless You have already paid for the Product in full before  the change in the rate of VAT takes effect.
                          10.3.What happens if We got the price wrong. It is always possible that, despite our best  efforts, some of the Products We sell may be incorrectly priced. We will  normally check prices before accepting Your Order so that, where the Product’s  correct price at the date of Your Order is less than our stated price at Your  Order date, We will charge the lower amount. If the Product’s correct price at  the date of Your Order is higher than the price stated in our price list, We  will contact You for Your instructions before We accept Your Order. If We accept  and process Your Order where a pricing error is obvious and unmistakeable and  could reasonably have been recognised by You as a mispricing, We may end the  Contract, refund You any sums You have paid and require the return of any Products  provided to You.
                          10.4.When You must pay and how You must pay. When You must pay depends on what Product You  are buying:
                          10.4.1.For Digital Content, You  must pay for the Digital Content before You download them. If You are buying an  annual subscription to access Licences you may opt to pay by monthly Direct  Debit (as described on your invoice). Under this option the full price is  equally split between 12 monthly Direct Debit payments. In the event that You  fall into arrears with Direct Debit payments then the full balance becomes  immediately due and payable.
                          10.4.2.For Services/Courses, We  will invoice You for the price of the Services/Courses once We have completed  our obligation to arrange the Services/Courses. You must pay each invoice  within 7 calendar days after the date of the invoice.
                          10.5.We can charge interest if You pay late. If You do not make any payment to Us by the  due date We may charge interest to You on the overdue amount at the rate of 8%  a year above the base lending rate of the Bank of England from time to time.  This interest shall accrue on a daily basis from the due date until the date of  actual payment of the overdue amount, whether before or after judgment. You must  pay Us interest together with any overdue amount.
                          10.6.What to do if You think an invoice is  wrong. If You think an invoice is  wrong please contact Us promptly to let Us know and We will not charge You  interest until We have resolved the issue.
                          CLAUSES 11 TO 14 ONLY APPLY IF THE  CUSTOMER IS CONTRACTING AS A BUSINESS. 
                          11. SUPPLY OF SERVICES 
                          11.1.We shall provide the Services to You  in accordance with the Order in all material respects.
                          11.2.We shall use reasonable endeavours to  meet any performance dates for the Services specified in the Order, but any  such dates shall be estimates only and time shall not be of the essence for the  performance of the Services.
                          11.3.We shall have the right to make any  changes to the Services which are necessary to comply with any applicable law  or safety requirement, or which do not materially affect the nature or quality  of the Services, and We shall notify You in any such event.
                          11.4.We warrants to You that the Services  will be provided using reasonable care and skill.
                          12. TERMINATION AND SUSPENSION 
                          12.1.If You become subject to any of the  events listed in clause 12.2, We may terminate the Contract with immediate  effect by giving written notice to You.
                          12.2.For the purposes of clause 12.1, the  relevant events are:
                          12.2.1.You suspend, or threaten to suspend,  payment of Your debts, or are unable to pay Your debts as they fall due or  admit an inability to pay Your debts, or (being a company or limited liability  partnership) are deemed unable to pay Your debts within the meaning of section  123 of the Insolvency Act 1986, or (being an individual) are deemed either  unable to pay Your debts or as having no reasonable prospect of so doing, in  either case, within the meaning of section 268 of the Insolvency Act 1986, or  (being a partnership) has any partner to whom any of the foregoing apply;
                          12.2.2.You commence negotiations with all or  any class of Your creditors with a view to rescheduling any of Your debts, or  makes a proposal for or enter into any compromise or arrangement with Your  creditors;
                          12.2.3.(being a company) a petition is  filed, a notice is given, a resolution is passed, or an order is made, for or  in connection with the winding up of Your company, other than for the sole  purpose of a scheme for a solvent amalgamation of Your company with one or more  other companies or the solvent reconstruction of Your company;
                          12.2.4.(being a company) an application is  made to court, or an order is made, for the appointment of an administrator or  if a notice of intention to appoint an administrator is given or if an  administrator is appointed over Your company;
                          12.2.5.(being a company) the holder of a  qualifying floating charge over Your assets has become entitled to appoint or  has appointed an administrative receiver;
                          13.2.6.a person becomes entitled to appoint  a receiver over Your assets or a receiver is appointed over Your assets;
                          12.2.7.(being an individual) You are the  subject of a bankruptcy petition or order;
                          12.2.8.a creditor or encumbrancer of the  Your company attaches or takes possession of, or a distress, execution,  sequestration or other such process is levied or enforced on or sued against,  the whole or any part of its assets and such attachment or process is not discharged  within 14 days;
                          12.2.9.any event occurs, or proceeding is  taken, with respect to You in any jurisdiction to which it is subject that has  an effect equivalent or similar to any of the events mentioned in clause 13.2.1  to clause 13.2.6 (inclusive);
                          12.2.10.You suspend, threatens to suspend,  cease or threaten to cease to carry on all or a substantial part of its  business;
                          12.2.11.Your financial position deteriorates  to such an extent that in Our opinion Your capability to adequately fulfil Your  obligations under the Contract has been placed in jeopardy; and
                          12.2.12.(being an individual) You die or, by  reason of illness or incapacity (whether mental or physical), is incapable of  managing Your own affairs or become a patient under any mental health legislation.
                          12.3.Without limiting our other rights or  remedies, We may terminate the Contract with immediate effect by giving written  notice to the Customer if the Customer fails to pay any amount due under this  Contract on the due date for payment.
                          12.4.Notwithstanding clause 9.15, without  limiting Our other rights or remedies, We may suspend provision of the Products  under the Contract or any other contract between You and Us if You become  subject to any of the events listed in clause 13.2.1 to clause 13.2.12, or We  reasonably believe that You are about to become subject to any of them, or if  You fail to pay any amount due under this Contract on the due date for payment.
                          12.5.On termination of the Contract for  any reason You shall immediately pay to Us all of Our outstanding unpaid  invoices and interest.
                          12.6.You shall return all of the Course  Materials and any Products which have not been fully paid for. If You fail to  do so, then We may enter Your premises and take possession of them. Until they  have been returned, You shall be solely responsible for their safe keeping and  will not use them for any purpose not connected with this Contract.
                          12.7.Termination of the Contract, however  arising, shall not affect any of the parties’ rights, remedies, obligations and  liabilities that have accrued as at termination.
                          12.8.Clauses which expressly or by  implication survive termination of the Contract shall continue in full force  and effect.
                          12.9. If you have purchased Licences  from Us, these shall be sold in values of 12 months each. Unless you notify us  in writing that you wish to cancel, these Licences shall be automatically  renewed for another 12 months and so on and so forth. Termination of the first  year’s annual Licence can be done at any time in writing but no refund will be  due and You must still pay the full amount due less any part payments already  made. Termination of annual Licences (from the second year onwards) must be  given in writing not less than 3 months before the end of the 12 month period  (which commences on the date of invoice). For the avoidance of doubt, if You  wish to cancel a subsequent 12 month Licence, You must notify Us in writing by  month 9 of that 12 month period that You do not intend to continue into subsequent  years. 
                          13. LIMITATION OF LIABILITY 
                          13.1.Nothing in these Conditions shall  limit or exclude Our liability for:
                          13.1.1.death or personal injury caused by  its negligence, or the negligence of its employees, agents or subcontractors  (as applicable);
                          13.1.2.fraud or fraudulent  misrepresentation;
                          13.1.3.breach of the terms implied by  section 2 of the Supply of Goods and Services Act 1982 (title and quiet  possession);
                          13.1.4.breach of the terms implied by  section 12 of the Sale of Goods Act 1979 (title and quiet possession); or
                          13.1.5.defective products under the Consumer  Protection Act 1987.
                          13.2.Subject to clause 14.1.1:
                          13.2.1.We shall under no circumstances  whatever be liable to You, whether in contract, tort (including negligence),  breach of statutory duty, or otherwise, for any loss of profit, or any indirect  or consequential loss arising under or in connection with the Contract; and
                          13.2.2.Our total liability to You in respect  of all other losses arising under or in connection with the Contract, whether  in contract, tort (including negligence), breach of statutory duty, or  otherwise, shall in no circumstances exceed the price of the Products.
                          13.3.The terms implied by sections 13 to  15 of the Sale of Goods Act 1979 and the terms implied by sections 3 to 5 of  the Supply of Goods and Services Act 1982 are, to the fullest extent permitted  by law, excluded from the Contract.
                          14. CERTIFICATES
                                      Course  Certificates remain Your property (once paid for) and do not belong to the  course attendee. 
                          CLAUSES 15 TO 18 ONLY APPLY IF THE  CUSTOMER IS CONTRACTING AS A CONSUMER. 
                          15. YOUR RIGHTS TO END THE CONTRACT 
                          15.1.Ending the Contract because of something We  have done or are going to do. If You are ending a Contract for a  reason set out at 15.1.1 to 15.1.5 below the Contract will end immediately and  We will refund You in full for any Products which have not been provided and  You may also be entitled to compensation. The reasons are:
                          15.1.1.We have told You about an upcoming  change to the Product or these terms which You do not agree to (see clause 8);
                          15.1.2.We have told You about an error in  the price or description of the Product You have Ordered and You do not wish to  proceed;
                          15.1.3.there is a risk that supply of the  Products may be significantly delayed because of events outside our control;
                          15.1.4.We have suspended supply of the  Products for technical reasons, or notify You We are going to suspend them for  technical reasons, in each case for a period of more than 30 days; or
                          15.1.5.You have a legal right to end the  Contract because of something We have done wrong.
                          15.2.Exercising Your right to change Your mind  (Consumer Contracts Regulations 2013). For most Products You have a  legal right to change Your mind within 14 days and receive a refund. These  rights, under the Consumer Contracts Regulations 2013, are explained in more  detail in these Terms and Conditions.
                          15.3.When You don’t have the right to change  Your mind. You do not have a right to  change Your mind in respect of:
                          15.3.1.Digital Content after You have started  to download or stream these (noting clause 12.9.);
                          15.3.2.Services, once these have been  completed, even if the cancellation period is still running;
                          15.3.3.Products sealed for health protection  or hygiene purposes, once these have been unsealed after You receive them;
                          15.3.4.sealed audio or sealed video  recordings or sealed computer software, once these Products are unsealed after  You receive them; and
                          15.3.5.any Products which become mixed  inseparably with other items after their delivery.
                          15.4.How long do I have to change my mind? Notwithstanding any other term in these Terms  and Conditions, how long You have to change your mind depends on what You have  Ordered and how it is delivered:
                          15.4.1.Have You bought Services (for example,  Courses)? If so, You have 14 days after  the day We email You to confirm We accept Your Order. However, once We have  completed the Services You cannot change Your mind, even if the period is still  running. If You cancel after We have started the Services, You must pay Us for  the Services provided up until the time You tell Us that You have changed Your  mind.
                          15.4.2.Have You bought Digital Content for  download or streaming (for example, e-learning resources)? If so, You have 14 days after the day We  email You to confirm We accept Your Order, or, if earlier, until You start  downloading, accessing or streaming the Digital Content. If We delivered the  Digital Content to You immediately, and You agreed to this when Ordering, You  will not have a right to change Your mind.
                          15.4.3.Ending the Contract where We are not at  fault and there is no right to change Your mind. If You do not have any other rights to end  the Contract, You can still contact Us before it is completed and tell Us You  want to end it. If You do this the Contract will end immediately and We will  refund any sums paid by You for Products not provided but We may deduct from  that refund (or, if You have not made an advance payment, charge You)  reasonable compensation for the net costs We will incur as a result of Your  ending the Contract.
                          16. HOW TO END THE CONTRACT WITH US 
                          16.1.Tell Us You want to end the Contract. To end the Contract with Us, please let Us  know in writing Using the details as set out in the Service Specification, or  such other address as may be communicated to You from time to time. If You have  bought annual Licences (and you are in the second year or more) then you must  give 3 months written notice to terminate.
                          16.1.2.How We will refund You. We will refund You the price You paid for the  Products, by the method You used for payment. However, We may make deductions  from the price, as described below. If You have bought annual Licences then no  refund will be due but You are still required to pay the full cost of the 12  month Licence.
                          16.1.3.When Your refund will be made. We will make any refunds due to You as soon  as possible. If You are exercising Your right to change Your mind then: Your  refund will be made within 14 days of Your telling Us You have changed Your  mind.
                          17. IF THERE IS A PROBLEM WITH THE  PRODUCT 
                          17.1.How to tell Us about problems. If You have any questions or complaints about  a Product, please contact Us. You can telephone Us on 0203 874 9851 or email Us  at admin@lowcoste-learning.co.uk.
                          17.2.Summary of Your legal rights. We are under a legal duty to supply Products  that are in conformity with this Contract. See the box below for a summary of  Your key legal rights in relation to the Product. Nothing in these terms will  affect Your legal rights.
                          Summary of Your key legal rights 
                          This is a summary of Your key legal rights. These  are subject to certain exceptions. For detailed information please visit the  Citizens Advice Website www.adviceguide.org.uk or call 03454 04 05 06.
                          If Your Product is Digital Content, for  example-learning resources, the Consumer Rights Act 2015 says Digital Content  must be as described, fit for purpose and of satisfactory quality:
                          if Your Digital Content is faulty, You’re entitled  to a repair or a replacement.
                          if the fault can’t be fixed within a reasonable  time, or without causing You significant inconvenience, You can get some or all  of Your money back 12 if You can show the fault has damaged Your device and We  haven’t used reasonable care and skill, You may be entitled to a repair or  compensation
                          If Your Product is Services, for example arranging  a Course, the Consumer Rights Act 2015 says:
                          You can ask Us to repeat or fix a service if it’s  not carried out with reasonable care and skill, or get some money back if We  can’t fix it.
                          if You haven’t agreed a price upfront, what You’re  asked to pay must be reasonable.
                          if You haven’t agreed a time upfront, it must be  carried out within a reasonable time.
                          17.3.Your obligation to return rejected  Products. If You wish to exercise Your  legal rights to reject Products You must either return them in person to where  You bought them, post them back to Us or (if they are not suitable for posting)  allow Us to collect them from You. We will pay the costs of postage or  collection. Please call Us on 0203 874 9851 or email Us at admin@lowcoste-learning.co.uk  for a return label or to arrange collection.
                          18. OUR RESPONSIBILITY FOR LOSS OR  DAMAGE SUFFERED BY YOU 
                          18.1.We are responsible to You for foreseeable  loss and damage caused by Us. If We fail to comply with these  terms, We are responsible for loss or damage You suffer that is a foreseeable  result of our breaking this Contract or our failing to use reasonable care and  skill, but We are not responsible for any loss or damage that is not  foreseeable. Loss or damage is foreseeable if either it is obvious that it will  happen or if, at the time the Contract was made, both We and You knew it might  happen, for example, if You discussed it with Us during the sales process.
                          18.2.When We are liable for damage to Your  property. If We are providing  Services/Courses at Your property, We will make good any damage to Your  property caused by Us while doing so. However, We are not responsible for the  cost of repairing any pre-existing faults or damage to Your property.
                          18.3.When We are liable for damage as a result  of Digital Content. If defective Digital Content  which We have supplied damages a device or Digital Content belonging to You We  will either repair the damage or pay You compensation.
                          19. HOW WE MAY USE YOUR PERSONAL  INFORMATION 
                          19.1.How We will use Your personal information. We will use the personal information You  provide to Us:
                          19.1.1.to supply the Products to You;
                          19.1.2.to process Your payment for the  Products; and
                          19.1.3.if You agreed to this during the  Order process, to inform You about similar Products that We provide, but You  may stop receiving these at any time by contacting Us.
                          19.2.We will only give Your personal information  to third parties where the law either requires or allows Us to do so. 
                          20. ASSIGNMENT 
                          20.1.You may not transfer Your rights to someone  else. You shall not be entitled to  assign its rights or obligations or delegate its duties under the Contract  without the prior written consent of Us.
                          20.2.We may transfer this agreement to someone  else. We may transfer, assign,  charge, sub-Contract or otherwise dispose of a Contract, or any of our rights  or obligations arising under it, at any time during the term of the Contract.
                          21. OTHER IMPORTANT TERMS 
                          21.1.Force Majeure Events. Neither party shall be liable for any delay  or failure to perform any of its obligations if the delay or failure results  from events or circumstances outside its reasonable control, including but not  limited to, strikes, lock outs, accidents, war, fire, the act or omission of  government, highway authorities or any telecommunications carrier, operator or  administration or other competent authority, or the delay or failure in  manufacture or supply by third parties of equipment or Services, and the party  shall be entitled to a reasonable extension of its obligations after notifying  the other party of the nature and extent of such events. If the force majeure  event continues for a period of longer than three (3) months, then either party  shall be entitled to terminate the Contract without liability to the other.
                          21.2.No partnership or agency. Nothing in the Contract is intended to, or  shall be deemed to, establish any partnership or joint venture between any of  the parties, constitute any party the agent of another party, nor authorise any  party to make or enter into any commitments for or on behalf of any other  party.
                          21.3.Notices. Any  notice to be given by either party to the other may be served by email, fax,  personal service or by post to the address of the other party given in the  Service Specification or such other address as such party may from time to time  have communicated to the other in writing, and if sent by email shall unless  the contrary is proved be deemed to be received on the day it was sent, if sent  by fax shall be deemed to be served on receipt of an error free transmission  report, if given by letter shall be deemed to have been served at the time at  which the letter was delivered personally or if sent by post shall be deemed to  have been delivered in the ordinary course of post.
                          21.4.Entire agreement. These Terms and Conditions and any document  expressly referred to in them constitute the whole agreement between the  parties relating to the subject matter and supersedes any previous discussions,  correspondence, negotiations, agreements, previous arrangements, understanding  or proposals, oral or written. Nothing in this Contract shall limit or exclude  liability for fraud or fraudulent misrepresentation.
                          21.5.Variation. 
                          21.5.1.We have the right to revise and amend  these Terms and Conditions from time to time to reflect changes in market  conditions affecting Our business, changes in technology, changes in payment  methods, changes in relevant laws and regulatory requirements and changes in  our system's capabilities.
                          21.5.2.You shall be subject to the policies  and Terms and Conditions in force at the time that they Order Services and/or  Courses from Us, unless any change to those policies or these Terms and  Conditions is required to be made by law or governmental authority (in which  case it will apply to Orders previously placed by You), or if Us notifies You  of the change to those policies or these Terms and Conditions before Us sends  You the Service Specification/Course description (in which case Us has the  right to assume that You has accepted the change to the Terms and Conditions,  unless You notifies Us to the contrary within seven (7) working days of receipt  by You of the Services Specification/Course description.
                          21.6.Nobody else has any rights under this  Contract (except someone You pass Your guarantee on to). This Contract is between You and Us. No other  person shall have any rights to enforce any of its terms.
                          21.7.If a court finds part of this Contract  illegal, the rest will continue in force. Each  of the paragraphs of these terms operates separately. If any court or relevant  authority decides that any of them are unlawful, the remaining paragraphs will  remain in full force and effect.
                          21.8.Even if We delay in enforcing this  Contract, We can still enforce it later. If  We do not insist immediately that You do anything You are required to do under  these terms, or if We delay in taking steps against You in respect of Your  breaking this Contract, that will not mean that You do not have to do those  things and it will not prevent Us taking steps against You at a later date. For  example, if You miss a payment and We do not chase You but We continue to  provide the Products, We can still require You to make the payment at a later  date.
                          21.9.Which laws apply to this Contract and where  You may bring legal proceedings. 
                          21.9.1.This agreement and any dispute or claim  arising out of or in connection with it or its subject matter or formation  (including non-Contractual disputes or claims) shall be governed by and  construed in accordance with the law of England and Wales.
                          21.9.2.Each party irrevocably agrees that  the courts of England and Wales shall have exclusive jurisdiction to settle any  dispute or claim arising out of or in connection with this agreement or its  subject matter or formation (including non-Contractual disputes or claims).
                          
                          22.0. We require the direct debit mandate set up within 28 days from the date of sale. Failure to do this will be taken as a cancellation and you will be charged in full                          
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