Terms and Conditions

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 Terms of Service for Own Your Destiny Ltd (UK) carrying on business as OwnYourDestiny.Life

Effective Date: 1 August 2025. 

1. Please read these Terms of Service (“Terms”) carefully before using Own Your Destiny Ltd’s website or services. By creating an Account or accessing Our Site (www.ownyourdestiny.life), Subscriptions, Products or Services, you agree to these Terms. Your continued use of Our Site after any updates indicates your acceptance of the revised Terms. 

2. These Terms of Service (“Terms”) set out the terms under which our, Subscriptions, Products and Services are sold by Us to customers through this website, www.ownyourdestiny.life (“Our Site”). Please read these Terms carefully and ensure that you understand them before you start using Our Products or Services. You will be required to read and accept these Terms when ordering a Product or Service from Us. If you do not agree to comply with and be bound by these Terms, you must not use Our Products or Services and you will not be able to purchase any Products or Services. These Terms as well as any and all Contracts are in the English language only.

3. See our Privacy Policy and Cookie Policy for details on data protection and cookie use.

4. Definitions and Interpretation

In these Terms of Service, unless the context otherwise requires, the following expressions have the following meanings:

4.1 “Account” means an account required for a User to access and/or use certain areas of Our Site;

4.2 “Content” means any and all text, images, audio, video, scripts, code, software, databases and any other form of information capable of being stored on a computer that appears on, or forms part of, Our Site;

4.3 “Contract” means a contract for the purchase of a Product or Service;

4.4 “Products” means the products provided through Our Site;

4.5 “Services” means the services provided through Our Site;

4.6 “Contract Confirmation” means Our acceptance of your order of a Subscription, Product or Service and confirmation of your purchase of that Subscription, Product or Service; and

4.7 “User” means any user of our Products or Services authorised by us under a Contract to be a user of our Products or Services. 

4.8 “We/Us/Our” means Own Your Destiny Limited trading as OwnYourDestiny.Life, a limited company registered in England under company number 16585821 whose registered office is at 116 Longships Way, Kennet Island, Reading, Berkshire, United Kingdom RG2 0FZ.

5. Accessing our products and services

To access courses, quizzes, downloads or coaching, you must provide us with certain demographic and work relevant information. You warrant that all information you provide is accurate, current, and complete. You must be and warrant to us that you are at least 16 years old (or the age of consent in your country, e.g. 13+ with parental permission) to access or partake in our courses, quizzes, downloads or coaching. Where applicable, you are responsible for safeguarding your account credentials and must not share your password and will promptly notify us of any unauthorised use of your account. We may terminate or suspend your account or your continued access to our products and services if you provide false information or violate these Terms.

6. Access to Our Site

Access to Our Site is free of charge, however you will have to purchase a Subscription, Product or Service to use it. It is your responsibility to make all arrangements necessary in order to access Our Site. Access to Our Site is provided “as is” and on an “as available” basis. We may alter, suspend or discontinue Our Site (or any part of it) at any time and without notice. We will not be liable to you in any way if Our Site (or any part of it) is unavailable at any time and for any period. We are not responsible for any third‑party access to your account (if applicable) caused by your negligence.

7. Accounts

7.1 Certain parts of Our Site (including the ability to purchase Products or Services from Us) may require an Account to access them. You may not create an Account if you are under 18 years of age. When creating an Account, the information you provide must be accurate and complete. If any of your information changes later, it is your responsibility to ensure that your Account is kept up-to-date. 

7.2 We recommend that you choose a strong password for your Account. It is your responsibility to keep your password safe. You must not share your Account with anyone else. If you believe your Account is being used without your permission, please contact Us immediately at CustomerCare@OwnYourDestiny.Life. We will not be liable for any unauthorised use of your Account. You must not use anyone else’s Account.

7.3 Any personal information provided in your Account will be collected, used, and held in accordance with your rights and Our obligations under the law.

7.4 If you wish to close your Account, you may do so at any time. Closing your Account will result in the removal of your information. Closing your Account will also remove access to any areas of Our Site requiring an Account for access and will result in cancellation of any Subscription you may have with us at that point in time. You can close your Account using the facility provided within your Account.

7.5 You are solely responsible for backing up any content or data entered into your Account by you. We strongly recommend that you regularly and completely backup all of your content and data in your Account.

7.6 Trial or offer periods are offered at Our sole discretion and are subject to withdrawal at any time and without notice. Only one person may use a single free or trial Account, the Account cannot be shared amongst multiple individuals. These Terms apply equally to all trial or offer period Accounts.

8. User Responsibilities

As a User of Our Products or Services, you agree to:

8.1 Provide accurate, lawful, and up-to-date information in your account and course enrolments, keep your contact details current and (where applicable) manage your password and account securely;

8.2 Comply with all applicable laws and regulations when using Our Site, Services or Products. You may not use our platform for any illegal or unauthorised purpose;

8.3 Respect intellectual property rights: you will only use our Content for your personal, non-commercial use, and you will not copy, distribute, modify or exploit it beyond what is expressly permitted. You agree to not post or share copyrighted material that you do not own;

8.4 Refrain from abusive behaviour, harassment, or hate speech. You agree not to post offensive content or upload viruses / malicious code. Unacceptable or unlawful conduct may result in suspension or termination of your account or your continued access to our Products and Services;

8.5 Take responsibility for securing your network and devices when accessing our Products or Services. 

9. Provision of Services

9.1  Services appropriate to a Subscription will be available to you immediately when We send you a Contract Confirmation and will continue to be available for the duration of your Subscription (including any renewals), or until the Contract is otherwise ended.

9.2  In some limited circumstances, We may need to suspend the provision of Services (in full or in part) for one or more of the following reasons:

9.2.1 To fix technical problems or to make necessary minor technical changes;

9.2.2 To update the Services to comply with relevant changes in the law or other regulatory requirements; or

9.2.3 To make more significant changes to the Services.

9.3  If We need to suspend availability of the Services for any of the reasons set out in sub-Clause 9.2, We will inform you in advance of the suspension and explain why it is necessary (unless We need to suspend availability for urgent or emergency reasons such as a dangerous problem with the Services, in which case We will inform you as soon as reasonably possible after suspension). If the suspension lasts (or We tell you that it is going to last) for more than 30 days, you may end the Contract as described below in sub-Clause 11.2.

9.4  We may suspend provision of the Services if We do not receive payment on time from you. We will inform you of the non-payment on the due date, however if you do not make payment within 10 days of Our notice, We may suspend provision of the Services until We have received all outstanding sums due from you. If We do suspend provision of the Services, We will inform you of the suspension. You will not be charged for any Services while provision is suspended.

10. Licence

10.1 When you purchase a Subscription, Product or Service, We will grant you a limited, non-exclusive, non-transferable, non-sublicensable licence to access and use our Products and Services. The licence granted to you does not give you any rights in Our Services (including any material that We may licence from third parties).

10.2  Except for as permitted under these Terms, You must not copy, rent, sell, publish, republish, share, broadcast or otherwise transmit the Products or Services (or any part of it) or make it available to anyone else.

11. Ending Your Subscription

11.1 We take reasonable steps to ensure that our Products and Services are available and functioning fully at all times, however, we cannot guarantee this.

11.2  If you are accessing the Services for free during any trial period offered by us, we may close your Account and/or prevent your access to and use of the Services at any time by providing you one week’s notice without liability to you.

11.3  We may terminate your access to our Products and Services and your User Account and all content and materials associated with it at any time where:

11.3.1  you have breached or we suspect you are in breach of these Terms of Service

11.3.2  we suspect that you are doing something illegal;

11.3.3  any fees due under these Terms of Services are outstanding for thirty (30) days from the due date;

11.3.4  in our reasonable opinion, the security or integrity of the Services has been, or may be, compromised or otherwise may be at risk; or

11.3.5  we decide to do so for convenience. In this case a prorated refund for any unused time within the current billing period will be provided. Such termination can be with or without notice.

12. Referrals

Where we offer a formal referrals program and you are a member of this program in good standing with us:

12.1 where you have generated a referral link on Our Site, you agree to take all reasonable endeavours to ensure that you send the referral link to only those recipients who you believe (to the best of your knowledge) may be genuinely interested in such communication.

12.2  where a recipient of such a referral link, purchases a Subscription, Product or Service within 6 months of clicking your referral link, you will be entitled to a commission based on the Subscription amount and as described in the referral programme area within your dashboard.

12.3  any commissions earned are paid out quarterly and only when the total commission owed is at least £50

13. Intellectual Property Rights

13.1  All intellectual property in the Products, Services and Our Site and Content, unless specifically labelled otherwise, belongs to Us or our licensors.

13.2  Subject to sub-Clauses 13.3 and 13.5 you may not reproduce, copy, distribute, sell, rent, sub-licence, store, or in any other manner re-use Content from Our Site unless given express written permission to do so by Us.

13.3  You may:

13.3.1  Access, view and use Our Site in a web browser (including any web browsing capability built into other types of software or app);

13.3.2  Download Our Site (or any part of it) for caching;

13.3.3  Print one copy of any of any pages from Our Site;

13.3.4  Download extracts from pages on Our Site; and

13.3.5  Save pages from Our Site for later and/or offline viewing.

13.4  Our status as the owner and author of the Content accessed via Our Site (or that of identified licensors, as appropriate) must always be acknowledged.

13.5  You may not disclose any Content saved or downloaded from Our Site to third parties (save for any professional advisors or consultants) for commercial purposes without first obtaining Our (or our licensors’, as appropriate) written consent to do so. This does not prohibit the normal access, viewing and use of Our Site for general information purposes whether by business users or consumers.

13.6  We do not condone or encourage in any way the posting of copyrighted or proprietary content or information by any users who are not the legal owners of such content. Any person may contact us and/or send us an “Infringement Notice” if any of your Content (or part thereof) available through Our Site or Services infringes their rights or fails to comply with these Terms. We will respond to all Infringement Notices. Where notified of such breaches by the owner of such content We will remove the content from the Service as soon as practicable but only where We can reasonably ascertain the true owner of such content.

13.7  If as the owner of such content You believe that your rights have been infringed You should contact us as soon as possible and provide all relevant information in writing.

13.8  You shall, at all times hold harmless and indemnify us against all losses, damages, actions, costs or expenses and other liabilities (including reasonable legal fees) incurred by, or awarded against us arising out of or in connection any claim regarding any intellectual property rights breach or alleged breach, brought by any third party in relation to your use of the Services or Our Site.

14. Links to Our Site

14.1  You may link to Our Site provided that:

14.1.1  You do so in a fair and legal manner;

14.1.2  You do not do so in a manner that suggests any form of association, endorsement or approval on Our part where none exists;

14.1.3 You do not use any logos or trademarks displayed on Our Site without Our express written permission; and

14.1.4 You do not do so in a way that is calculated to damage Our reputation or to take unfair advantage of it.

14.2  You may not link to Our Site from any other site the main content of which contains material that:

14.2.1  is sexually explicit;

14.2.2  is obscene, deliberately offensive, hateful or otherwise inflammatory;

14.2.3  promotes violence;

14.2.4  promotes or assists in any form of unlawful activity;

14.2.5  discriminates against, or is in any way defamatory of, any person, group or class of persons, race, sex, religion, nationality, disability, sexual orientation, or age;

14.2.6  is intended or is otherwise likely to threaten, harass, annoy, alarm, inconvenience, upset, or embarrass another person;

14.2.7  is calculated or is otherwise likely to deceive another person;

14.2.8  is intended or otherwise likely to infringe (or threaten to infringe) another person’s right to privacy;

14.2.9  misleadingly impersonates any person or otherwise misrepresents the identity or affiliation of a particular person in a way that is calculated to deceive (obvious parodies are not included in this definition provided that they do not fall within any of the other provisions of this sub-Clause 14.2);

14.2.10  implies any form of affiliation with Us where none exists;

14.2.11  infringes, or assists in the infringement of, the intellectual property rights (including, but not limited to, copyright, trademarks and database rights) of any other party; or

14.2.12  is made in breach of any legal duty owed to a third party including, but not limited to, contractual duties and duties of confidence.

15. Links to Other Sites

Links to other sites may be included on Our Site. Unless expressly stated, these sites are not under Our control. We neither assume nor accept responsibility or liability for the content of third-party sites. The inclusion of a link to another site on Our Site is for information only and does not imply any endorsement of the sites themselves or of those in control of them.

16. Disclaimers

16.1 Nothing on Our Site constitutes advice on which you should rely. It is provided for general information purposes only.

16.2 We strive to keep Our Content accurate and up-to-date, but we make no guarantees that Our Services will meet your expectations or that service will be uninterrupted or error-free other than any express guarantee included in these Terms. Except as required by law, all Content, Products and Services are provided “as is” without warranties of any kind (including implied warranties of merchantability or fitness). We are not responsible for any technical problems, delays or failures beyond our control (such as Internet outages or cyber-attacks). Nothing in these Terms excludes liability for death or personal injury caused by Our negligence, or fraud.

16.3 Insofar as is permitted by law, We make no representation, warranty, or guarantee that Our Site will meet your requirements, that it will not infringe the rights of third parties, that it will be compatible with all software and hardware, or that it will be secure.

16.4 We make reasonable efforts to ensure that the Content on Our Site is complete, accurate, and up-to-date. We do not, however, make any representations, warranties or guarantees (whether express or implied) that the Content is complete, accurate, or up-to-date.

17. Liability

17.1 To the fullest extent permissible by law, We accept no liability to any User for any loss or damage, whether foreseeable or otherwise, in contract, tort (including negligence), for breach of statutory duty, or otherwise, arising out of or in connection with the use of (or inability to use) Our Site or the use of or reliance upon any Content included on Our Site.

17.2 To the fullest extent permissible by law, We exclude all representations, warranties, and guarantees (whether express or implied) that may apply to Our Site or any Content included on Our Site.

17.3 We accept no liability for loss of profits, sales, business or revenue; loss of business opportunity, goodwill or reputation; loss of anticipated savings; business interruption; or for any indirect or consequential loss or damage.

17.4 We exercise reasonable skill and care to ensure that Our Site is free from viruses and other malware. We accept no liability for any loss or damage resulting from a virus or other malware, a distributed denial of service attack, or other harmful material or event that may adversely affect your hardware, software, data or other material that occurs as a result of your use of Our Site (including the downloading of any Content from it) or any other site referred to on Our Site.

17.5 We neither assume nor accept responsibility or liability arising out of any disruption or non-availability of Our Site resulting from external causes including, but not limited to, ISP equipment failure, host equipment failure, communications network failure, natural events, acts of war, or legal restrictions and censorship.

17.6 Nothing in these Terms excludes or restricts Our liability for fraud or fraudulent misrepresentation, for death or personal injury resulting from negligence, or for any other forms of liability which cannot be excluded or restricted by law.

17.7 Our total liability to you for all other losses arising out of or in connection with any Contract between you and Us, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, shall be limited to the total amount of your Subscription, Product or Services fees paid to us in the 12 month period ending on the date of the breach or claim.

17.8 You shall defend, indemnify and hold Us harmless against all claims, actions, proceedings, losses, damages, expenses and costs (including without limitation court costs and reasonable legal fees) arising out of or in connection with your use of Our Products, Services and/or Our Site unless caused by our negligence.

18. Viruses, Malware and Security

18.1 We exercise reasonable skill and care to ensure that Our Site is secure and free from viruses and other malware.

18.2  You are responsible for protecting your hardware, software, data and other material from viruses, malware, and other internet security risks.

18.3 You must not deliberately introduce viruses or other malware, or any other material which is malicious or technologically harmful either to or via Our Site.

18.4  You must not attempt to gain unauthorised access to any part of Our Site, the server on which Our Site is stored, or any other server, computer, or database connected to Our Site.

18.5  You must not attack Our Site by means of a denial-of-service attack, a distributed denial-of-service attack, or by any other means.

18.6  By breaching the provisions of sub-Clauses 18.3 to 18.5 you may be committing a criminal offence under the Computer Misuse Act 1990. All such breaches will be reported to the relevant law enforcement authorities, and We will cooperate fully with those authorities by disclosing your identity to them. Your right to use Our Site will cease immediately in the event of such a breach.

19. Acceptable Usage Policy

19.1  You may only use Our Site in a manner that is lawful. Specifically you must not:

19.1.1  use Our Site in any way, or for any purpose, that is unlawful or fraudulent;

19.1.2  use Our Site to knowingly send, upload, or in any other way transmit data that contains any form of virus or other malware, or any other code designed to adversely affect computer hardware, software, or data of any kind;

19.1.3  use Our Site in any way, or for any purpose, that is intended to harm any person or persons in any way;

19.1.4  abuse, harass, threaten, stalk, defame or in anyway seek to violate the rights of another User or third-party;

19.1.5  publish or seek to distribute any material or information that is unlawful, harmful, obscene, indecent, libellous, profane, defamatory, racist, or in any other way inappropriate or objectionable;

19.1.6  use or harvest data provided by other Users in a way that they would object to;

19.1.7  encourage illegal activity or activity that violates the rights of other Users or third parties, whether individuals or organisations;

19.1.8  supply or post content calculated to deliberately mislead other Users or third parties, including content falsely made to appear from or be endorsed by us;

19.1.9  pose as another User, third-party or organisation employee for the purposes of obtaining User or third-party information;

19.1.10  transmit or transfer any viruses, trojans, worms or any other malicious programs or code intended to spy on, gain control over, disrupt, destroy or in any other way impair any computer hardware or software or any other equipment.

19.1.11  attempt to gain access to our servers or other equipment to disrupt, impair, overload or otherwise hinder or compromise the safety, security or privacy of any of the Services provided by or relied upon by Users and Us.

19.1.12  reframe or repurpose and of Our Products or Services or any Content, remove, obscure or block any notices (and advertising as applicable) provided by us on the Service;

19.1.13  load or provide access to content on the Service or link to other content from the Service, which infringes the trademark, patent, trade secret or any other proprietary right of a third-party or infringes any intellectual property law;

19.1.14  send junk or spam email or emails or posts promoting pyramid schemes, chain letters or any other activity that invites Users and others to participate in wasting their time and/or money; and

19.1.15  use any robot, spider, scraper or other technical means to access the Service or any content on the Service.

19.2  We reserve the right to suspend or terminate your access to Our Site if you materially breach the provisions of this Clause 19 or any of the other provisions of these Terms. Specifically, We may take one or more of the following actions:

19.2.1  suspend, whether temporarily or permanently, your right to access Our Site;

19.2.2  issue you with a written warning;

19.2.3  take legal proceedings against you for reimbursement of any and all relevant costs on an indemnity basis resulting from your breach;

19.2.4  take further legal action against you as appropriate;

19.2.5  disclose such information to law enforcement authorities as required or as We deem reasonably necessary; and/or

19.2.6  any other actions which We deem reasonably appropriate (and lawful).

19.3  We hereby exclude any and all liability arising out of any actions (including, but not limited to those set out above) that We may take in response to breaches of these Terms.

19.4  You must ensure that you comply fully with all local, national or international laws and/or regulations.

19.5  If you breach these Terms by sending any unsolicited bulk email, (spam) or any other bulk communications to Users your actions will cause harm to Us and to the Service. Such harm is difficult to quantify and as such you agree to pay us the sum of £50 for each and every individual email or other communication sent to a User or third-party.

20. Events Outside of Our Control (Force Majeure)

20.1  We will not be liable for any failure or delay in performing Our obligations where that failure or delay results from any cause that is beyond Our reasonable control. Such causes include, but are not limited to: power failure, internet service provider failure, strikes, lock-outs or other industrial action by third parties, riots and other civil unrest, fire, explosion, flood, storms, earthquakes, subsidence, acts of terrorism (threatened or actual), acts of war (declared, undeclared, threatened, actual or preparations for war), epidemic or other natural disaster, or any other event that is beyond Our reasonable control.

20.2  If any event described under this Clause 20 occurs that is likely to adversely affect Our performance of any of Our obligations under these Terms:

20.2.1  We will inform you as soon as is reasonably possible;

20.2.2  We will take all reasonable steps to minimise the delay;

20.2.3  To the extent that We cannot minimise the delay, Our affected obligations under these Terms (and therefore the Contract) will be suspended and any time limits that We are bound by will be extended accordingly;

20.2.4  If the event outside of Our control continues for more than 90 days, We will cancel the Contract and inform you of the cancellation. Any refunds due to you because of that cancellation will be paid to you as soon as is reasonably possible and in any event within 10 days of the date on which the Contract is cancelled and will be made using the same payment method that you used when ordering your Subscription.

21. Orders – How Contracts Are Formed

21.1 Our Site will guide you through the process of purchasing a Subscription, Product or Service. Please ensure that you have checked your order carefully before submitting it.

21.2 If, during the order process, you provide Us with incorrect or incomplete information, please contact Us as soon as possible. If We are unable to process your order due to incorrect or incomplete information, We will contact you to ask to correct it. If you do not give Us the accurate or complete information within a reasonable time of Our request, We will cancel your order and treat the Contract as being at an end.

21.3  No part of Our Site constitutes a contractual offer capable of acceptance. Your order to purchase a Product or Service constitutes a contractual offer that We may, at Our sole discretion, accept. Our acceptance is indicated by Us sending you a Contract Confirmation by email. Only once We have sent you a welcome email will there be a legally binding Contract between Us and you.

21.4 In the unlikely event that We do not accept or cannot fulfil your order for any reason, We will explain why in writing. No payment will be taken under normal circumstances. If We have taken payment any such sums will be refunded to you.

21.5 Any refunds due under this Clause 21 will be issued to you as soon as possible, and in any event within 14 calendar days of the day on which the event triggering the refund occurs.

21.6 Refunds under this Clause 21 will be made using the same payment method that you used when purchasing your Subscription.

22. Digital Product Access

When you purchase a digital download or course, you will receive access typically via your Account or by email. You agree to receive such materials electronically (e.g., download links, logins) and accept that this delivery satisfies our obligations. Content will be available for you to download or view in your account library for as long as indicated (for example, Subscription content remains accessible only while your Subscription is active). You may not share or redistribute our course materials or Content. If you believe you have not received access after purchase, contact Us immediately. Note that once access is granted, any statutory cancellation rights for consumers are forfeited.

23. Changes to these Terms and Conditions

We may alter these Terms from time to time. In the event of any conflict between the current version of these Terms and any previous version(s), the provisions current and in effect shall prevail unless it is expressly stated otherwise.

24. Subscription Terms

We may offer Subscription access (e.g. monthly or annual plans for premium content). Subscription details (price, billing cycle, included benefits) will be clearly presented at signup. By subscribing, you authorise recurring charges via your payment method. Subscriptions renew automatically until cancelled. You may cancel at any time through your Account settings or by contacting support; cancellation will take effect at the end of the current paid period. We do not provide prorated refunds for partial periods. You must also cancel any active Subscription directly with third-party payment processors if applicable. In short, billing, renewals, and cancellation terms are fully disclosed and adhere to best practices for recurring services.

25. Coaching and Training Sessions

25.1 For one-on-one coaching sessions, scheduling will be by mutual agreement (via email or scheduling tool). Our coaches will conduct sessions professionally and according to the agreed format. For live group training (webinars or virtual workshops), you will be given access instructions (e.g. video link). For all sessions, you are responsible for showing up / connecting promptly at the agreed time and with any required materials or completed pre-work. You also confirm these sessions are for educational and personal development purposes. 

25.2 Disclaimer: Coaching and training are not a substitute for professional medical, legal or financial advice; outcomes depend on your own efforts.

25.3 We may record live group sessions for Our use for creating and publicly sharing case studies, testimonials, or other educational, informational or marketing materials. If so, we will notify participants and ask permission. You agree not to record any sessions yourself or share session recordings without our consent.

26 Guarantee for our PowerPivot Career Transition Course

26.1 We're confident you'll achieve great results in this PowerPivot course. Despite our confidence, if, after attending and actively participating in all modules and completing and submitting all required course pre-work and in-course work and homework at the relevant time required for completion, you genuinely feel your ability to intentionally change the direction of your career, by leveraging existing skills and experience in a new way, has not been enhanced, we will provide a full refund of your course fees. 

26.2 To activate this guarantee you will need to make a claim on it by notifying us in writing within 7 (normal calendar) days of this course ending, setting out full and clear details of the shortfall you are experiencing and have attended a debriefing call with us within 14 (normal calendar) days of your written activation notification to talk through your experience. 

26.3 Refunds under this Clause 26 will be made using the same payment method that you used when purchasing this PowerPivot Product.

27. Personal Data Content License and Consent

27.1 Where you have provided us with your consent in this regard, you agree that any information, story, or testimonial you voluntarily share with Us, whether through Our Site, in written assignments, or in discussions during or between sessions, may be used by Us, and the people who work with or for Us, including Our directors, employees and contractors, for creating and publicly sharing case studies, testimonials, or other educational, informational or marketing materials. 

27.2 You grant to Us a worldwide, perpetual, irrevocable license to use, reproduce, publish, distribute, and adapt any such information you provide, for purposes of illustrating, enhancing or promoting Our Products and Services and the results available through them. 

27.3 We will not include your full name or contact details in these materials, and we will change or anonymise personal identifiers wherever feasible to protect your privacy. 

27.4 You understand and consent that these materials may be shared with future program participants or publicly (for example on Our Site or social media or via blogs, vlogs, books and the like) and may be viewed globally. 

27.5 You further acknowledge that you will not receive payment for this use of your personal data, and this consent is given on a voluntary basis.

28. Cancellation and Rescheduling

28.1 By You: For coaching sessions, please give at least 24 hours’ notice to cancel or reschedule. Late cancellations (less than 24h notice) or no-shows will result in you being charged the full session fee. For live courses or workshops, cancellations more than 14 days before the start date may be subject to an administrative fee, while cancellations within 14 days usually forfeit the entire payment. (Any specific cancel/transfer fees will be stated in the course materials.) Once paid, digital products (recorded courses, downloads) are non-refundable except as required by law (faulty content, and the like).

28.2 By Us: We reserve the right to cancel or reschedule any session, course, or coaching appointment at Our discretion (for example, due to unforeseen circumstances or low enrolment). If we cancel a session or course entirely, you will receive a full refund of fees paid for any impacted session. For one-on-one coaching, if we must reschedule, we will offer a new time. When we cancel a live event or paid coaching we will refund all affected participants for that event’s fee. We are not liable for any other costs you incur as a result (though in some cases where we cancel live events we may reimburse reasonable expenses up to £100 if cancellation occurs within 7 days of the start).

29. Joining or separating sessions

It is important to us that participants in our live courses get good value from attending and so every now and then we may have to join some classes together or separate them out and you agree up-front that we may do so and that this change will not be seen or treated as negatively impacting or affecting any other term or condition of these Terms.

30. Payment and Refunds

30.1 Payment: 

30.1.1 We may from time to time change Our prices, plans and the features offered. Changes in price will not affect the current billing period of any Product or Service that you have already purchased but will apply to any subsequent renewal or new Contract. We make all reasonable efforts to ensure that all prices shown on Our Site are correct at the time of going online.

30.1.2 You may purchase Subscriptions, Products and Services using accepted payment methods (e.g. credit / debit cards or direct payments to our bank account in certain circumstances). Payments are processed securely through third-party providers; we do not store your payment details. Prices are displayed in GBP, EUR and USD and exclude applicable taxes unless stated otherwise. We may from time to time change Our prices.

30.1.3 You are responsible for all fees and charges to your payment account. Failure to pay may result in suspension of your access to paid Services.

30.1.4 Payments due must be made in full, without any set-off, counterclaim, deduction, or withholding (except where any deduction or withholding of tax is required by law).

30.1.5 If you do not make any payment due to Us on time, We will suspend your access to Our Site, Subscriptions, Products or Services. If you do not make payment within 10 days of Our reminder, We may cancel the Contract. Any outstanding sums due to Us will remain due and payable.

30.1.6 If you believe that We have charged you an incorrect amount, please contact Us at CustomerCare@OwnYourDestiny.Lifeas soon as reasonably possible to let Us know.

30.1.7 If you upgrade from a free or trial Account you will be immediately charged for the necessary full Account or Accounts.

30.1.8 Where you purchase monthly subscription, your monthly payment will be due from that date each month. Where you purchase an annual Subscription, (where this option is offered by us) payment for each 12-month period will be taken in full upfront at the beginning of your Subscription and then on each Subscription anniversary, unless you cancel your Subscription.

30.1.9 It is a condition of use that a valid debit or credit card is always provided in order for your Account or Accounts to remain active.

30.1.10 Where a credit or debit card payment request is made by us and is declined by your card company or bank (for whatever reason) access to your Account or Accounts may be suspended immediately until such time as a valid payment has been processed and a valid credit or debit card is associated with your Account or Accounts.

30.2 Refunds: Where our paid for Product is digital (courses, e‑books, and the like), they are delivered electronically with no physical shipment. As required by UK law, you confirm you waive the 14-day cooling-off period once downloading or streaming begins. In practice, this means that after you receive access, refunds are not available merely for a change of mind. However, under the Consumer Rights Act 2015 (UK), all digital content must be as described and of satisfactory quality. If a digital product is faulty or materially not as described, you are legally entitled to a repair, replacement or refund. We will comply with these obligations: contact us within 30 days of purchase if you believe a product is defective. Any refund (or partial refund) will be limited to the value of the defective part of the product.

30.3 Payment processors: Purchases may be completed on our site or via third-party platforms. Those processors have their own terms of service; any issues with processing (e.g. charge disputes) must be resolved with the processor. We are not responsible for their services.

31. Other Important Terms

31.1 We may transfer (assign) Our obligations and rights under these Terms (and under the Contract, as applicable) to a third party (this may happen, for example, if We sell Our business). If this occurs, you will be informed by Us in writing. Your rights under these Terms will not be affected and Our obligations under these Terms will be transferred to the third party who will remain bound by them.

31.2 You may not transfer (assign) your obligations or rights under these Terms (and any Contract) without Our prior written consent, which We will not unreasonably withhold or delay

31.3 The Contract is between you and Us. It is not intended to benefit any other person or third party in any way and no such person or party will be entitled to enforce any provision of these Terms.

31.4 If any of the provisions of these Terms are found to be unlawful, invalid or otherwise unenforceable by any court or other authority, that / those provision(s) shall be deemed severed from the remainder of these Terms and the remainder of these Terms shall be fully valid and enforceable.

31.5 No failure or delay by Us in exercising any of Our rights under these Terms means that We have waived that right, and no waiver by Us of a breach of any provision of these Terms means that We will waive any subsequent breach of the same or any other provision.

31.6 We may revise these Terms from time to time in response to changes in relevant laws and other regulatory requirements. If We change these Terms of Service as they relate to your Subscription, We will give you reasonable advance notice of the changes and provide details of how to cancel if you are not happy with them.

32. Law and Jurisdiction

32.1 These Terms, and the relationship between you and Us (whether contractual or otherwise) shall be governed by, and construed in accordance with, English law.

32.2 Any disputes concerning these Terms of Service, the relationship between you and Us, or any matters arising therefrom or associated therewith (whether contractual or otherwise) shall be subject to the exclusive jurisdiction of the courts of England and Wales.

33. Sole Agreement

These Terms constitute the entire agreement between Us and you with respect to your purchase of Products and Services from Us. You acknowledge that you have not relied upon any statement, representation, warranty, assurance, or promise made by or on behalf of Us that is not set out in these Terms and that you shall have no claim for innocent or negligent misrepresentation or negligent misstatement based upon any statement herein.

34. Modifications to Terms

We may revise these Terms at any time by posting updated versions on our website. The “Effective Date” above will reflect the latest update. When changes are significant, we will attempt to notify registered Users (for example, by email or site notice). Your continued use of the services after any such changes means you accept the new Terms.

35. Contact Details

For questions or concerns about these Terms, please contact us:

· Email: Legal@OwnYourDestiny.Life 

· Address: 116 Longships Way, Kennet Island, Reading, Berkshire, United Kingdom, RG2 0FZ

· Privacy Questions: See our Privacy Policy or email the Data Protection Officer at Data@OwnYourDestiny.Life.

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 Own Your Destiny Ltd. (UK). Privacy Policy and Cookie Policy available on Our Site. By using our Services you agree to comply with all Terms above.