Terms and Conditions

Please read this Terms of Service (“Terms,” “Terms of Service”) carefully before using the cbgmanagementcoaching.co.uk Website (the “Website”) operated by CBG Management Academy as this Terms of Service contains important information regarding limitations of our liability. Your access to and use of this Website is conditional upon your acceptance of and compliance with these Terms. These Terms apply to everyone, including but not limited to visitors, users and others, who wish to access and use the Website.

By accessing or using the Website, or purchasing any product, you agree to be bound by these Terms. If you disagree with any part of the Terms, then you do not have our permission to access or use the Website.

Our offers and pricing

We offer services and digital products on this Website. The price of these services and digital products can be found listed on the Website. This price does not include taxes or other fees that you may be charged. CBG Management Academy reserves the right to modify, change, cancel or upgrade a subscription and/or license key without prior notice or consent. Prices of all products are subject to change without prior notice or consent.

Purchases

When you make a purchase on the Website, you will be able to choose the third party payment processor that will collect your payment information and process your payment. You may make purchases using the following third party payment processors: PayPal. We are not responsible for the collection, use, sharing or security of your billing information by these third party payment processors. The following payment method(s) are accepted by the third party payment processors: American Express, Discover, MasterCard, and Visa.

You hereby represent and warrant that you have the legal right to use the payment method(s) in connection with any purchase and that the information that you supply to us and to the third party payment processor(s) is true, correct and complete.

Cancellation policy

We do not offer you the ability to cancel any purchases that you have made of the services and digital products offered on our Website.

We reserve the right to cancel your purchase for any reason, at our sole discretion, including but not limited to fraud, inaccuracies, and unavailability of the items or services purchased. We will not provide you with any notice prior to cancelling your purchase.

We will issue you a refund of the full purchase price that you paid if we cancel your purchase.

Refund policy

We offer refunds at our sole discretion on any purchases of the services and digital products offered on our Website for the following reason(s) only: the good, digital product or service failed to meet the warranties, if any and wrong description. Please note that we do not offer refunds for any other reasons other than those listed above. In some situations, we reserve the right to reduce the payment processing fee from the total refunded amount.

Please refer to our Product Refund Policy for more details.

No warranty on purchases

The items or services displayed or sold on this Website are provided “as is,” No warranty, express or implied (including any implied warranty of merchantability, of satisfactory quality or fitness for a particular purpose or use) shall apply to any items or services displayed or sold on this Website, whether arising by law, course of dealing, course of performance, usage of trade or otherwise.

Stripe Secure Payments

CBG Management Academy use Stripe secure payment processor, we take necessary precautions to protect your personal and financial information online.

Data Security: Stripe maintains robust security measures to protect customer data, including:
- Encryption: All data is transmitted and stored using industry-standard encryption protocols.
- PCI DSS Compliance: Stripe is certified as PCI DSS (Payment Card Industry Data Security Standard) compliant, meaning they adhere to strict security standards to protect cardholder data.
Customer Control: Customers have the ability to manage their saved payment methods within their Stripe account settings. They can update, delete, or add new payment methods as needed.

Stripe secures purchasers’ payment details through several robust security measures. Some key components are:

Encryption: Stripe uses encryption to protect sensitive data. This involves converting payment details into a code to prevent unauthorized access. They use both symmetric and asymmetric encryption to ensure data security during transmission.
Tokenization: Stripe tokenizes payment information, replacing sensitive data with unique tokens that can be used for transactions without exposing actual card details.
PCI DSS Compliance: Stripe is compliant with the Payment Card Industry Data Security Standard (PCI DSS), which sets stringent security standards for handling card information.
Fraud Detection Systems: Stripe employs advanced fraud detection systems to identify and prevent fraudulent transactions.
Multi-Factor Authentication (MFA): Stripe uses MFA to add an extra layer of security for accessing accounts and processing payments.

These measures help ensure that payment details are securely processed and stored, protecting both businesses and customers from potential security threats

Stripe customer payment process:

Customer Initiates Payment:

The customer selects the items they wish to purchase and proceeds to the checkout page on the website or app.
The customer enters their payment details, such as credit card number, expiration date, and CVV code.

Secure Transmission:

The CBG Management Academy website securely transmits the payment information to Stripe’s servers using encryption.

Stripe Receives and Validates:

Stripe receives the payment information and begins the authorisation process.
Stripe checks the card details, verifies the cardholder’s identity, and runs fraud checks.

Authorization Request:

Stripe sends an authorization request to the card-issuing bank (e.g., Visa, Mastercard).

Issuer Approval or Decline:

The issuing bank reviews the request and either approves or declines the transaction based on factors like available funds, card limits, and fraud checks.

Confirmation and Payment Capture:

If approved, Stripe confirms the transaction to CBG Management Academy.
CBG Management Academy can then capture the payment, which transfers the funds from the customer’s account to CBG Management Academy Stripe account.

Funds Transfer to CBG Management Academy’s Bank Account:

Stripe typically transfers the funds to the CBG Management Academy designated bank account within a few business days, depending on the payout schedule.

Key Points for Purchasers:

Check Transaction Details: Carefully review the transaction details before confirming the payment.
Contact your Bank: If you have any concerns about a transaction, contact your bank immediately.

Remedies

You agree that the remedy for breach of this Terms of Service as it relates to your purchase shall be repair. You also agree that the remedy for breach of this Terms of Service as it relates to your purchase shall be to pursue dispute resolution as provided in the “governing law, severability, dispute resolution, venue and class action waiver” section below. These remedies intended to be your sole and exclusive remedies for any breach of this Terms of Service as it relates to your purchase.

Accounts

When you create an account on our Website, you guarantee that you are 18 years of age or older and that the information that you provide us is accurate, complete, and current at all times. Inaccurate, incomplete, or obsolete information may result in the immediate termination of your account on the Website.

You are responsible for maintaining the confidentiality of your account and password, including but not limited to the restriction of access to your computer and/or account. You agree to accept responsibility for any and all activities or actions that occur under your account and/or password, whether your password is with our Website or a third party service. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

We reserve the right to terminate your account anytime at our sole discretion. You can terminate your account by contacting us.

Comments and uploading content

By submitting a comment or uploading content onto this Website, you grant CBG Management Academy a worldwide, non-exclusive, perpetual, royalty-free license to reproduce, publish and distribute the comment or content. When you make a comment or upload any content onto this Website, you agree that such comment or content may be viewed by other parties and it is your responsibility to ensure that the comment or content does not contain any confidential or proprietary information. You are also responsible for ensuring that your content or comment does not violate any laws, rules or regulations. We reserve the right to remove any content or comment at any time in our sole discretion.

The following is a non-exhaustive list of types of content or comments that you are prohibited from posting on our Website:

Content that harasses others;
Content that is discriminatory or offensive;
Swearing, name calling and otherwise abusive content;
Pornographic and sexually explicit content;
Content displaying, depicting or suggesting violence;
Content that exploits or abuses children;
Content encouraging or committing illegal acts;
Content infringing on someone’s rights, including intellectual property rights;
Content advertising products or services without our permission;
Content whose purpose is spamming others.

Prohibited uses

You agree that you will use this Website in accordance with all applicable laws, rules, regulations and these Terms at all times. The following is a non-exhaustive list of prohibited uses of this Website. You agree that you will not perform any of the following prohibited uses:

Impersonating or attempting to impersonate CBG Management Academy or its employees, representatives, subsidiaries or divisions;
Misrepresenting your identity or affiliation with any person or entity;
Sending or attempting to send any advertising or promotional material, including but not limited to spam, junk mail, chain mail or any similar material;
Engaging in any conduct that restricts or inhibits any person’s use or enjoyment of the Website, or which, as determined in our sole discretion, may harm us or the users of this Website or expose us or other users to liability;
Using the Website in any manner that could disable, overburden, damage or impair the Website or interfere with another party’s use of the Website;
Using any robot, spider or other similar automatic technology, process or means to access or use the Website for any purpose, including monitoring or copying any of the material on this Website;
Using any manual process or means to monitor or copy any of the material on this Website or for any other unauthorized purpose;
Using any device, software, means or routine that interferes with the proper working of the Website, including but not limited to viruses, trojan horses, worms, logic bombs or other such materials;
Attempting to gain unauthorized access to, interfering with, damaging or disrupting any parts of the Website, the server(s) on which the Website is stored, or any server, computer or database connected to the Website;
Attempting to attack or attacking the Website via a denial-of-service attack or a distributed denial-of-service attack;
Otherwise attempting to interfere with the proper working of the Website;
Using the Website in any way that violates any applicable federal, state or local laws, rules or regulations.

No warranty on Website

This Website is provided “as is,” No warranty, express or implied (including any implied warranty of merchantability, of satisfactory quality or fitness for a particular purpose or use) shall apply to this Website, whether arising by law, course of dealing, course of performance, usage of trade or otherwise.

Availability, errors and inaccuracies

We assume no liability for the availability, errors or inaccuracies of the information, products or services provided on this Website. We may experience delays in updating information on this Website and in our advertising on other websites. The information, products and services found on the Website may contain errors or inaccuracies or may not be complete or current. Products or services may be incorrectly priced or unavailable. We expressly reserve the right to correct any pricing errors on our Website. The inclusion or offering of any product or service on this Website does not constitute an endorsement or recommendation of such product or service by us.

Damages and limitation of liability

In no event shall CBG Management Academy be liable for any direct, indirect, punitive, incidental, special or consequential damages arising out of, relating to or in any way connected with your access to, display of or use of this Website or with the delay or inability to access, display or use this Website, including but not limited to your reliance upon opinions or information appearing on this Website; any computer viruses, information, software, linked websites operated by third parties, products or services obtained through this Website, whether based on a theory of negligence, contract, tort, strict liability, consumer protection statutes or otherwise, even if CBG Management Academy has been advised of the possibility of such damages.

If, despite the limitation above, CBG Management Academy is found liable for any loss or damage which arises out of or in any way connected with any of the occurrences described above, then the liability of CBG Management Academy will in no event exceed the service fees you paid to CBG Management Academy in connection with such transaction(s) on this website. The limitation of liability reflects the allocation of risk between the parties. The limitations specified in this section will survive and apply even if any limited remedy specified in these terms of use is found to have failed of its essential purpose. The limitations of liability provided in these terms of use inure to the benefit of CBG Management Academy. The aggregate liability of CBG Management Academy arising out of or relating to this Website, whether arising out of or related to breach of contract, tort (including negligence) or otherwise shall be limited to the amount of fees actually received by CBG Management Academy from you.

Coaching Disclaimer:

The information provided by CBG Management Academy is for general informational, learning and educational purposes only. It does not constitute financial, legal, or tax advice. CBG Management Academy is not responsible for any decisions or actions taken by the client based on the coaching provided. Clients are solely responsible for their own business decisions and outcomes. CBG Management Academy encourages clients to seek professional advice from qualified experts for any legal, financial, or accounting matters.

Coaching Modules – Fair Use of Research in Education and Learning

Educational and Learning Purposes: The primary purpose of any use of research and data materials has been for educational and research purposes, such as teaching, learning, scholarship, continuous professional development and research.
Limited Use: A proportional amount of the research and data copyrighted work has been used. The amount and substantiality of the portion used is reasonable and justified by the educational and learning purpose.
Data and Research Acknowledgements Whenever possible, attribution and credit has been given to the data and research source and originator.
Good Faith: All data and research has been made in good faith; demonstrating relevant market examples, case studies and best practice
Disclaimer of Warranties: The provider or originator does not guarantee the accuracy, completeness, or suitability of the materials for any particular purpose other than in the context of coaching module learning.
Limitation of Liability In no event shall the provider be liable for any damages arising out of or in connection with the use of data and research materials.

Product Information

Product Descriptions: Product descriptions are prepared for informational purposes to help customers select the coaching modules to best meet their needs. Every endeavour is made to make product descriptions accurate.
Images: Images are for illustrative purposes and may not perfectly represent the actual product.
Availability: Coaching modules availability is subject to change and may not always be guaranteed.

Links to third party websites

This Website may contain hyperlinks to websites operated by third parties and not by us. We provide such hyperlinks for your reference only. We do not control such websites and are not responsible for their contents or the privacy or other practices of such websites. Further, it is your responsibility to take precautions to ensure that whatever links you click on or software that you download, whether from this Website or other websites or applications, is free of such items as viruses, worms, trojan horses, defects and other items of a destructive nature. Our inclusion of hyperlinks to such websites does not imply any endorsement of the material on such websites or any association with their operators.

Intellectual property and DMCA notice and procedure for intellectual property infringement claims

All contents of this Website are ©2025 CBG Management Academy or third parties. All rights reserved. Unless specified otherwise, this Website and all content and other materials on this Website including but not limited to all logos, designs, text, graphics, pictures, information, data, software, sound files and arrangement thereof (collectively, “Content”) are the proprietary property of CBG Management Academy and are either registered trademarks, trademarks or otherwise protected intellectual property of CBG Management Academy or third parties in the United Kingdom and/or other countries.

If you are aware of a potential infringement of our intellectual property, please contact Paul, at info@cbgmanagementcoaching.co.uk

We respect the intellectual property rights of others. It is our policy to respond to any claim that Content posted on the Website infringes on the copyright, trademark or other intellectual property rights of any person or entity.

If you believe in good faith that the Content infringes on your intellectual property rights, you or your agent may send us a written notice of such infringement titled “Infringement of Intellectual Property Rights – DMCA.” Your notice to us must include the following information:

An electronic or physical signature of the person authorized to act on behalf of the owner of the intellectual property right’s interest;
A description of the work that you claim has been infringed, including the URL (i.e., web page address) of the location where the work exists or a copy of the work;
Your name, email, address and telephone number; and
A statement by you that you have a good faith belief that the disputed use is not authorized by the owner of the work, its agent or the law.

Please note that we will not process your complaint if it is not properly filled out or is incomplete. You may be held accountable for damages, including but not limited to costs and attorneys’ fees for any misrepresentation or bad faith claims regarding the infringement of your intellectual property rights by the Content on this Website.

Indemnification: The customer agrees to indemnify and hold the ‘CBG Management Academy’ harmless from any claims or liabilities arising from their use of the products or services.

Governing Law and Jurisdiction

Governing Law: Terms and Conditions are governed by the laws of England.
Jurisdiction: The jurisdiction for any legal disputes is governed by the laws of England.

Changes to Terms of Service

We reserve the right to make changes to these Terms of Service at any time. We will not provide you with any notice when we make changes to this Terms of Service.

Questions

If you have any questions or disputes regarding our Terms of Service, please contact us at info@cbgmanagementcoaching.co.uk

Company registered office address:

Creating Business Growth (CBG) Ltd. Town Hall, Old Bristol Road, Nailsworth, Stroud, England, GL6 0JF