TERMS AND CONDITIONS OF USE
Introduction
These terms and conditions apply between you, the User of this Website (including any sub-domains, unless expressly excluded by their own terms and conditions), and BXD Accounting Ltd, the owner and operator of this Website. Please read these terms and conditions carefully, as they affect your legal rights. Your agreement to comply with and be bound by these terms and conditions is deemed to occur upon your first use of the Website. If you do not agree to be bound by these terms and conditions, you should stop using the Website immediately.
In these terms and conditions, User or Users means any third party that accesses the Website and is not either (i) employed by BXD Accounting Ltd and acting in the course of their employment or (ii) engaged as a consultant or otherwise providing services to BXD Accounting Ltd and accessing the Website in connection with the provision of such services.
You must be at least 18 years of age to use this Website. By using the Website and agreeing to these terms and conditions, you represent and warrant that you are at least 18 years of age.
Services Covered: BXD Accounting Ltd provides accounting and financial advisory services. The Website may contain general financial information, blog posts, and other resources, but this content is for informational purposes only and does not constitute financial, tax, or legal advice. Users should consult a qualified professional before making financial decisions based on the information provided.
All coaching services and communication, email or otherwise, delivered by myself, as well as information on this website are meant to help you identify the areas in your life and in your thinking that may be preventing you from experiencing greater well-being and moving forward. Coaching is not a substitute for professional mental health care or medical care.
These terms and conditions apply between you, the User of this Website (including any sub-domains, unless expressly excluded by their own terms and conditions), and BXD Accounting Ltd, the owner and operator of this Website. Please read these terms and conditions carefully, as they affect your legal rights. Your agreement to comply with and be bound by these terms and conditions is deemed to occur upon your first use of the Website. If you do not agree to be bound by these terms and conditions, you should stop using the Website immediately.
In these terms and conditions, User or Users means any third party that accesses the Website and is not either (i) employed by BXD Accounting Ltd and acting in the course of their employment or (ii) engaged as a consultant or otherwise providing services to BXD Accounting Ltd and accessing the Website in connection with the provision of such services.
You must be at least 18 years of age to use this Website. By using the Website and agreeing to these terms and conditions, you represent and warrant that you are at least 18 years of age.
Services Covered: BXD Accounting Ltd provides accounting and financial advisory services. The Website may contain general financial information, blog posts, and other resources, but this content is for informational purposes only and does not constitute financial, tax, or legal advice. Users should consult a qualified professional before making financial decisions based on the information provided.
All coaching services and communication, email or otherwise, delivered by myself, as well as information on this website are meant to help you identify the areas in your life and in your thinking that may be preventing you from experiencing greater well-being and moving forward. Coaching is not a substitute for professional mental health care or medical care.
Intellectual Property and Acceptable Use
1. All Content included on the Website, unless uploaded by Users, is the property of BXD Accounting Ltd, our affiliates, or other relevant third parties. Content includes text, graphics, images, audio, video, software, data compilations, page layout, underlying code, and any other form of information stored in a computer that appears on or forms part of this Website, including any such content uploaded by Users. By continuing to use the Website, you acknowledge that such Content is protected by copyright, trademarks, database rights, and other intellectual property rights. Nothing on this site shall be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark, logo, or service mark displayed on the site without the owner's prior written permission.
2. You may, for your own personal, non-commercial use only, do the following:
a. Retrieve, display, and view the Content on a device.
3. You must not otherwise reproduce, modify, copy, distribute, or use for commercial purposes any Content without the written permission of BXD Accounting Ltd.
Prohibited Use
4. You may not use the Website for any of the following purposes:
a. In any way which causes, or may cause, damage to the Website or interferes with any other person's use or enjoyment of the Website;
b. In any way which is harmful, unlawful, illegal, abusive, harassing, threatening, or otherwise objectionable or in breach of any applicable law, regulation, or governmental order;
c. Making, transmitting, or storing electronic copies of Content protected by copyright without the permission of the owner.
Payments, Refunds, and Cancellations
5. If you purchase any services from BXD Accounting Ltd, payment terms, refund policies, and cancellation procedures will be outlined in the individual service agreement provided at the time of purchase.
6. Payments are required as per the invoice terms. Failure to make payments on time may result in suspension of services.
7. Refund requests will be assessed on a case-by-case basis and may be subject to an administration fee.
1. All Content included on the Website, unless uploaded by Users, is the property of BXD Accounting Ltd, our affiliates, or other relevant third parties. Content includes text, graphics, images, audio, video, software, data compilations, page layout, underlying code, and any other form of information stored in a computer that appears on or forms part of this Website, including any such content uploaded by Users. By continuing to use the Website, you acknowledge that such Content is protected by copyright, trademarks, database rights, and other intellectual property rights. Nothing on this site shall be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark, logo, or service mark displayed on the site without the owner's prior written permission.
2. You may, for your own personal, non-commercial use only, do the following:
a. Retrieve, display, and view the Content on a device.
3. You must not otherwise reproduce, modify, copy, distribute, or use for commercial purposes any Content without the written permission of BXD Accounting Ltd.
Prohibited Use
4. You may not use the Website for any of the following purposes:
a. In any way which causes, or may cause, damage to the Website or interferes with any other person's use or enjoyment of the Website;
b. In any way which is harmful, unlawful, illegal, abusive, harassing, threatening, or otherwise objectionable or in breach of any applicable law, regulation, or governmental order;
c. Making, transmitting, or storing electronic copies of Content protected by copyright without the permission of the owner.
Payments, Refunds, and Cancellations
5. If you purchase any services from BXD Accounting Ltd, payment terms, refund policies, and cancellation procedures will be outlined in the individual service agreement provided at the time of purchase.
6. Payments are required as per the invoice terms. Failure to make payments on time may result in suspension of services.
7. Refund requests will be assessed on a case-by-case basis and may be subject to an administration fee.
Registration
8. You must ensure that the details provided by you on registration or at any time are correct and complete.
9. You must inform us immediately of any changes to the information that you provide when registering by updating your personal details to ensure we can communicate with you effectively.
10. We may suspend or cancel your registration with immediate effect for any reasonable purposes or if you breach these terms and conditions.
11. You may cancel your registration at any time by informing us in writing to the address at the end of these terms and conditions. If you do so, you must immediately stop using the Website. Cancellation or suspension of your registration does not affect any statutory rights.
Links to Other Websites
12. This Website may contain links to other sites. Unless expressly stated, these sites are not under the control of BXD Accounting Ltd or our affiliates.
13. We assume no responsibility for the content of such Websites and disclaim liability for any and all forms of loss or damage arising out of their use.
14. The inclusion of a link to another site on this Website does not imply any endorsement of the sites themselves or of those in control of them.
Privacy Policy and Cookies Policy
15. Use of the Website is also governed by our Privacy Policy and Cookies Policy, which are incorporated into these terms and conditions by reference. To view the Privacy Policy and Cookies Policy, please click on the following: www.rubydevit.com/privacypolicy and www.rubydevit.com/cookiespolicy.
16. We comply with UK GDPR and relevant data protection laws. User data is stored securely and may be shared with third-party service providers such as hosting services and analytics platforms. However, we do not sell personal data to third parties.
8. You must ensure that the details provided by you on registration or at any time are correct and complete.
9. You must inform us immediately of any changes to the information that you provide when registering by updating your personal details to ensure we can communicate with you effectively.
10. We may suspend or cancel your registration with immediate effect for any reasonable purposes or if you breach these terms and conditions.
11. You may cancel your registration at any time by informing us in writing to the address at the end of these terms and conditions. If you do so, you must immediately stop using the Website. Cancellation or suspension of your registration does not affect any statutory rights.
Links to Other Websites
12. This Website may contain links to other sites. Unless expressly stated, these sites are not under the control of BXD Accounting Ltd or our affiliates.
13. We assume no responsibility for the content of such Websites and disclaim liability for any and all forms of loss or damage arising out of their use.
14. The inclusion of a link to another site on this Website does not imply any endorsement of the sites themselves or of those in control of them.
Privacy Policy and Cookies Policy
15. Use of the Website is also governed by our Privacy Policy and Cookies Policy, which are incorporated into these terms and conditions by reference. To view the Privacy Policy and Cookies Policy, please click on the following: www.rubydevit.com/privacypolicy and www.rubydevit.com/cookiespolicy.
16. We comply with UK GDPR and relevant data protection laws. User data is stored securely and may be shared with third-party service providers such as hosting services and analytics platforms. However, we do not sell personal data to third parties.
Availability of the Website and Disclaimers
17. Any online facilities, tools, services, or information that BXD Accounting Ltd makes available through the Website (the Service) is provided "as is" and on an "as available" basis. We give no warranty that the Service will be free of defects and/or faults. To the maximum extent permitted by the law, we provide no warranties (express or implied) of fitness for a particular purpose, accuracy of information, compatibility, and satisfactory quality. BXD Accounting Ltd is under no obligation to update information on the Website.
18. We use third-party service providers for hosting and other online functionalities. While we strive to maintain availability, we are not responsible for disruptions caused by these providers.
19. Whilst BXD Accounting Ltd uses reasonable endeavours to ensure that the Website is secure and free of errors, viruses and other malware, we give no warranty or guaranty in that regard and all Users take responsibility for their own security, that of their personal details and their computers.
20. BXD Accounting Ltd accepts no liability for any disruption or non-availability of the Website.
21. BXD Accounting Ltd reserves the right to alter, suspend or discontinue any part (or the whole) of the Website including, but not limited to, any products and/or services available. These terms and conditions shall continue to apply to any modified version of the Website unless it is expressly stated otherwise.
Limitation of Liability
22. Nothing in these terms and conditions will: a. Limit or exclude our or your liability for death or personal injury resulting from our or your negligence; b. Limit or exclude our or your liability for fraud or fraudulent misrepresentation; or c. Limit or exclude any of our or your liabilities in any way that is not permitted under applicable law.
23. We will not be liable to you in respect of any losses arising out of events beyond our reasonable control.
24. To the maximum extent permitted by law, BXD Accounting Ltd accepts no liability for any of the following:
a. Any business losses, such as loss of profits, income, revenue, anticipated savings, business, contracts, goodwill, or commercial opportunities;
b. Loss or corruption of any data, database, or software;
c. Any special, indirect, or consequential loss or damage.
17. Any online facilities, tools, services, or information that BXD Accounting Ltd makes available through the Website (the Service) is provided "as is" and on an "as available" basis. We give no warranty that the Service will be free of defects and/or faults. To the maximum extent permitted by the law, we provide no warranties (express or implied) of fitness for a particular purpose, accuracy of information, compatibility, and satisfactory quality. BXD Accounting Ltd is under no obligation to update information on the Website.
18. We use third-party service providers for hosting and other online functionalities. While we strive to maintain availability, we are not responsible for disruptions caused by these providers.
19. Whilst BXD Accounting Ltd uses reasonable endeavours to ensure that the Website is secure and free of errors, viruses and other malware, we give no warranty or guaranty in that regard and all Users take responsibility for their own security, that of their personal details and their computers.
20. BXD Accounting Ltd accepts no liability for any disruption or non-availability of the Website.
21. BXD Accounting Ltd reserves the right to alter, suspend or discontinue any part (or the whole) of the Website including, but not limited to, any products and/or services available. These terms and conditions shall continue to apply to any modified version of the Website unless it is expressly stated otherwise.
Limitation of Liability
22. Nothing in these terms and conditions will: a. Limit or exclude our or your liability for death or personal injury resulting from our or your negligence; b. Limit or exclude our or your liability for fraud or fraudulent misrepresentation; or c. Limit or exclude any of our or your liabilities in any way that is not permitted under applicable law.
23. We will not be liable to you in respect of any losses arising out of events beyond our reasonable control.
24. To the maximum extent permitted by law, BXD Accounting Ltd accepts no liability for any of the following:
a. Any business losses, such as loss of profits, income, revenue, anticipated savings, business, contracts, goodwill, or commercial opportunities;
b. Loss or corruption of any data, database, or software;
c. Any special, indirect, or consequential loss or damage.
General
25. You may not transfer any of your rights under these terms and conditions to any other person. We may transfer our rights under these terms and conditions where we reasonably believe your rights will not be affected.
26. These terms and conditions may be varied by us from time to time. Such revised terms will apply to the Website from the date of publication. Users should check the terms and conditions regularly to ensure familiarity with the then current version.
27. These terms and conditions, together with the Privacy Policy and Cookies Policy, contain the whole agreement between the parties relating to its subject matter and supersede all prior discussions, arrangements or agreements that might have taken place in relation to the terms and conditions.
28. The Contracts (Rights of Third Parties) Act 1999 shall not apply to these terms and conditions and no third party will have any right to enforce or rely on any provision of these terms and conditions.
29. If any court or competent authority finds that any provision of these terms and conditions (or part of any provision) is invalid, illegal or unenforceable, that provision or part-provision will, to the extent required, be deemed to be deleted, and the validity and enforceability of the other provisions of these terms and conditions will not be affected.
30. Unless otherwise agreed, no delay, act or omission by a party in exercising any right or remedy will be deemed a waiver of that, or any other, right or remedy.
31. This Agreement shall be governed by and interpreted according to the law of England and Wales and all disputes arising under the Agreement (including non-contractual disputes or claims) shall be subject to the exclusive jurisdiction of the English and Welsh courts.
25. You may not transfer any of your rights under these terms and conditions to any other person. We may transfer our rights under these terms and conditions where we reasonably believe your rights will not be affected.
26. These terms and conditions may be varied by us from time to time. Such revised terms will apply to the Website from the date of publication. Users should check the terms and conditions regularly to ensure familiarity with the then current version.
27. These terms and conditions, together with the Privacy Policy and Cookies Policy, contain the whole agreement between the parties relating to its subject matter and supersede all prior discussions, arrangements or agreements that might have taken place in relation to the terms and conditions.
28. The Contracts (Rights of Third Parties) Act 1999 shall not apply to these terms and conditions and no third party will have any right to enforce or rely on any provision of these terms and conditions.
29. If any court or competent authority finds that any provision of these terms and conditions (or part of any provision) is invalid, illegal or unenforceable, that provision or part-provision will, to the extent required, be deemed to be deleted, and the validity and enforceability of the other provisions of these terms and conditions will not be affected.
30. Unless otherwise agreed, no delay, act or omission by a party in exercising any right or remedy will be deemed a waiver of that, or any other, right or remedy.
31. This Agreement shall be governed by and interpreted according to the law of England and Wales and all disputes arising under the Agreement (including non-contractual disputes or claims) shall be subject to the exclusive jurisdiction of the English and Welsh courts.
Governing Law and Dispute Resolution
32. This Agreement shall be governed by and interpreted according to the law of England and Wales. Any disputes arising under the Agreement (including non-contractual disputes or claims) shall be subject to the exclusive jurisdiction of the English and Welsh courts. 20. In the event of a dispute, both parties agree to attempt resolution through mediation before pursuing legal action in court.
BXD Accounting Ltd Details
33. BXD Accounting Ltd is a company incorporated in England and Wales with registered number 13985235 whose registered address is 1st Floor Building 2, Croxley Business Park, Watford, WD18 8YA. It operates the Website hello@rubydevit.com.
34. You can contact BXD Accounting Ltd by email at hello@rubydevit.com.
32. This Agreement shall be governed by and interpreted according to the law of England and Wales. Any disputes arising under the Agreement (including non-contractual disputes or claims) shall be subject to the exclusive jurisdiction of the English and Welsh courts. 20. In the event of a dispute, both parties agree to attempt resolution through mediation before pursuing legal action in court.
BXD Accounting Ltd Details
33. BXD Accounting Ltd is a company incorporated in England and Wales with registered number 13985235 whose registered address is 1st Floor Building 2, Croxley Business Park, Watford, WD18 8YA. It operates the Website hello@rubydevit.com.
34. You can contact BXD Accounting Ltd by email at hello@rubydevit.com.