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Terms & Conditions

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    Plain English Summary

    We’ve taken our terms and summarised them into a format that is easy to understand. This summary isn’t a legally binding document, but it gives you a quick view of the things you agree to when using the Psychology Tools website.  It is still really important that you read the full terms and conditions (below) before entering into a contract with us: whether that is for free materials or by way of a paid subscription.

    All of the worksheets, handouts, or exercises that you can download from the Psychology Tools website belong to us, unless otherwise stated. This means that you cannot copy them or use them somewhere else without getting permission from us first. You can purchase a license to use our resources professionally – we offer different plans that allow different uses:

    • As an active subscriber to a Basic or Advanced plan you are granted a license to use Psychology Tools resources personally, or in the course of your clinical work with clients. You are authorised to share copies with your clients, but there are restrictions on other uses. If you are unsure about whether your planned use is authorized please see the full terms or contact us for clarification.
    • As an active subscriber to a Team plan you and the named members of your team for whom you have purchased a license are granted a license to use Psychology Tools resources personally, or in the course of your clinical work with your clients. You are authorised to share copies with your clients but there are restrictions on other uses. If you are unsure about whether your planned use is authorized please see the full terms or contact us for clarification.
    • As a subscriber to a Trial plan you may download and print Psychology Tools resources for personal (self-help) purposes only. You must not use any resources for professional clinical work or any other commercial purposes.

    Sharing

    If you have an active Team/Basic/Advanced subscription, then you can share your Psychology Tools resources in the following ways:

    • With clients: Printed copies with your therapy clients (individuals or in a group) and their social support (for example their family and friends). If you are seeing these parties remotely then you can share your resources via personal email, directly from our website by using our ‘Email a patient’ feature (Advanced / Team only) or via removable media (such as a USB memory stick).
    • With professionals whom you supervise: You are also permitted to share printed copies of  Psychology Tools resources with clinicians and trainees whom you supervise. These staff are not licensed to use the resources clinically unless they sign up for their own paid account.
    • With students in school, college, or university: You are permitted to share printed copies of Psychology Tools resources with students in a school, college or university environment (for example through handouts at lectures or in your role as a school counsellor). These students are not licensed to use the resources clinically unless they sign up for their own paid account.

    Key terms

    Before using this website you must agree to the following:

    • You must not store or host any Psychology Tools materials in digital form, or upload them to any other digital platform.
    • You are not permitted to remove any of the Psychology Tools logo or copyright information from the editable resources.
    • By default subscriptions renew automatically. You can change this setting in your account preferences.
    • You must be at least 18 years old to use this site.
    • You acknowledge that this website does not provide medical advice, diagnosis or treatment, and is not intended to be a substitute for those things.
    • You must always seek the advice of a physician or other qualified health provider with any questions you may have regarding a medical condition and/or medical symptoms.
    • If you think you may have a medical emergency, call your doctor or the emergency services immediately.
    • As a professional user you should work within the bounds of your own competencies. Resources from this website should be used to support good practice, not to replace it.
    • Reliance on any information provided by our site is solely at your own risk.
    • We are allowed to change the terms at any time so please check back regularly
    • If you create an account with us it is your responsibility to keep your password safe.
    • Sometimes we link to other websites. We try to make sure every site we link to is safe and appropriate but we cannot accept responsibility for the content on other websites.
    • We are not responsible for any loss or damage you may experience as a result of visiting our website.

    Full Terms & Conditions

    1. These Terms

    1.1 These are the terms and conditions on which we supply products to you, whether these are goods, materials or digital content.

    1.2 Please read these terms carefully before you submit your account request to us. These terms tell you who we are, how we will provide products to you, how you and we may change or end the contract, what to do if there is a problem and other important information.

    1.3 Our mission is to be a reliable source of psychological help for professionals and the public but it is important that you understand the limits of our site and resources and how they should be used.

    1.4 These terms constitute the entire agreement between us in relation to your purchase. You acknowledge that you have not relied on any statement, promise, representation, assurance or warranty made or given by or on behalf of us which is not set out in these terms and that you shall have no claim for innocent or negligent misrepresentation [or negligent misstatement] based on any statement in this agreement.

    1.5 We may amend any of these terms from time to time. We will notify you of any changes as required by law.

    1.6 There are some terms that apply to all users, and others that apply to business users only (which are in blue) and consumers only (in green).

    2. Information About Us And How To Contact Us

    2.1 We are Psychology Tools Limited, a company incorporated in England And Wales under number 10810854 with Our registered office being 9 Greyfriars Road, Reading, Berkshire, RG1 1NU, United Kingdom.

    2.2 You can contact us by writing to us at the above address or emailing us at [email protected]

    2.3 If we have to contact you we will do so by telephone or by writing to you at the email address or postal address you provided to us in your order.

    2.4 “Writing” includes emails. When we use the words “writing” or “written” in these terms, this includes emails.

    3. General Terms

    3.1 You must be at least 18 years of age to use our Site.

    3.2 The website does not provide medical advice, diagnosis, or treatment.

    3.3 This Website (including its tools, materials, text, graphics, images and other material contained on, or linked through) is for informational purposes only. This Site is not exhaustive and cannot always reflect all the most recent research in all areas of medicine.

    3.4 This Site is not intended to be a substitute for professional medical advice, diagnosis, or treatment.

    3.5 Always seek the advice of a physician or other qualified health provider with any questions you may have regarding a medical condition and/or medical symptoms. Never disregard professional medical advice or delay in seeking it because of something you have read on a website! If you think you may have a medical emergency, call your doctor or the emergency services immediately.

    3.6 As a professional user, you should work within the bounds of your own competencies, using your own skill and knowledge and therefore the documents should be used to support good practice, not to replace it.

    3.7 We do not recommend or endorse any specific tests, products, procedures, opinions, or other information that may be mentioned on Site and we do not endorse any product, service, or treatment on the Site.

    3.8 Reliance on any information provided by our Site is solely at your own risk.

    3.9 Some of the content on this Site may be provided by third parties. We are not in a position to verify this content and we do not warrant that any such third-party content is true, accurate or complete.

    4. How You May Use Material On Our Site

    4.1 We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

    4.2 Some of our materials are available in an editable format to enable you to make changes to the wording to suit your purposes. However, you are not permitted to remove any of the Psychology Tools branding from the materials during this editing process. Our materials must always reflect the Psychology Tools branding.

    4.3 As a customer with an active subscription to a BASIC / ADVANCED plan (or our legacy ‘PROFESSIONAL’ plans) you are granted non-assignable permission to reproduce Psychology Tools materials. We will indicate when the materials belong to Psychology Tools by including the following copyright description on the materials: “Copyright © Psychology Tools Limited. All rights reserved.” or “Copyright © Psychology Tools. All rights reserved.” You are not allowed to reproduce any materials, or any figures or images contained in the materials, that do not contain the aforementioned copyright description, because we do not own these materials and only have a non-assignable and non-transferrable license to reproduce these materials.

    4.3.1 This license is limited to you, the individual purchaser, for personal use or for use with clients.

    4.3.2 It does not extend to additional clinicians or practice settings, nor does purchase by an institution constitute a site license.

    4.3.3 This license does not grant the right to reproduce these materials for resale, redistribution, electronic display, or any other purposes (including but not limited to books, pamphlets, articles, video- or audiotapes, blogs, file-sharing sites, Internet or intranet sites, and slides for lectures, workshops, webinars or online courses), whether or not a fee is charged. Permission to reproduce these materials for these and other purposes must be obtained in writing from Psychology Tools.

    4.3.4 You are licensed to share printed copies of the materials with your therapy clients and also in a therapeutic group setting, including with their social support. You are also licensed to share electronic copies of our materials with remote therapy clients (including with their social support).

    4.3.5 If you are unsure about whether your planned use is authorized please contact us for clarification.

    4.4 As a customer with an active subscription to a TEAM plan you are granted non-assignable permission to reproduce Psychology Tools materials. We will indicate when the materials belong to Psychology Tools by including the following copyright description on the materials: “Copyright © Psychology Tools Limited. All rights reserved.” or “Copyright © Psychology Tools. All rights reserved.” You are not allowed to reproduce any materials, or any figures or images contained in the materials, that do not contain the aforementioned copyright description, because we do not own these materials and only have a non-assignable and non-transferrable license to reproduce these materials.

    4.4.1 This license is limited to the named team members for whom you have purchased licenses, for personal use or for use with clients.

    4.4.2 It does not extend to additional clinicians or practice settings, nor does purchase by an institution constitute a site license.

    4.4.3 This license does not grant the right to reproduce these materials for resale, redistribution, electronic display, or any other purposes (including but not limited to books, pamphlets, articles, video- or audiotapes, blogs, file-sharing sites, Internet or intranet sites and slides for lectures, workshops, webinars or online courses, whether or not a fee is charged. Permission to reproduce these materials for these and other purposes must be obtained in writing from Psychology Tools.

    4.4.4 You are licensed to share printed copies of the materials with your therapy clients and also in a therapeutic group setting, including with their social support. You are also licensed to share electronic copies of our materials with remote therapy clients (including with their social support).

    4.4.5 If you are unsure about whether your planned use is authorized please contact us for clarification.

    4.5 As a subscriber to a TRIAL, SELF-HELP, or FREE plan you are granted non-assignable permission to download and print Psychology Tools materials for personal (self-help) purposes only. We will indicate when the materials belong to Psychology Tools by including the following copyright description on the materials: “Copyright © Psychology Tools Limited. All rights reserved.” or “Copyright © Psychology Tools. All rights reserved.” You are not allowed to reproduce any materials, or any figures or images contained in the materials, that do not contain the aforementioned copyright description, because we do not own these materials and only have a non-assignable and non-transferrable license to reproduce these materials.

    4.5.1 This license does not grant the right to reproduce these materials for resale, redistribution, electronic display, or any other purposes (including but not limited to books, pamphlets, articles, video- or audiotapes, blogs, file-sharing sites, Internet or intranet sites, and handouts or slides for lectures, workshops, or webinars, whether or not a fee is charged.

    4.5.2 Permission to reproduce these materials for these and other purposes must be obtained in writing from Psychology Tools.

    4.5.3 If you are unsure about whether your planned use is authorized please contact us for clarification.

    4.6 Any modification of any such materials is limited to the editing that is reasonably expected for their use. You must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. The copyright of modified materials is retained by Psychology Tools.

    4.7 If you print off, copy, or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

    5. ‘Email a Patient’

    5.1 Our website contains a functionality whereby you can directly email your therapy clients materials from our website.

    5.2 You can use this functionality if you have an active Advanced or Team subscription.

    5.3 When you use this functionality to email your therapy clients, then their email address will be stored on our system for approximately 90 days. It is therefore important that your therapy clients consent to receiving materials in this way before you use this functionality and we will also ask you to confirm that you have their consent before proceeding.

    6. Prohibited Uses

    6.1 You may use our site only for lawful purposes. You may not use our site:

    6.1.1 In any way that breaches any applicable local, national or international law or regulation.

    6.1.2 In any way that is unlawful, fraudulent, or has any unlawful or fraudulent purpose or effect.

    6.1.3 For the purpose of harming or attempting to harm minors in any way.

    6.1.4 To send, knowingly receive, upload, download, use or re-use any material which does not comply with our content standards as set out in these terms and conditions.

    6.1.5 To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).

    6.1.6 To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.

    6.2 You also agree:

    6.2.1 Not to reproduce, duplicate, copy or re-sell any part of our site in contravention of the provisions of our terms of website use as set out in these terms and conditions.

    6.2.2 Not to access without authority, interfere with, damage or disrupt:

    6.2.2.1 any part of our site;

    6.2.2.2 any equipment or network on which our site is stored;

    6.2.2.3 any software used in the provision of our site; or

    6.2.2.4 any equipment or network or software owned or used by any third party.

    7. Our Site (Changes, Suspension, And Use Outside The UK)

    7.1 We may update and change our site from time to time to reflect changes to our products, our users’ needs and our business priorities. Unless a change has a material effect on your subscription, we will not notify you of any changes.

    7.2 We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

    7.3 You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

    7.4 We do not represent that content available on or through our site is appropriate for use or available in any other locations outside of the United Kingdom.

    8. You Must Keep Your Account Details Safe

    8.1 If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

    8.2 We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.

    8.3 If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at [email protected].

    9. Do Not Rely On Information On This Site

    9.1 The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

    9.2 Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.

    10. We Are Not Responsible For Websites We Link To

    10.1 Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.

    10.2 We have no control over the contents of those sites or resources.

    11. Our Products

    11.1 Our products are for informational purposes only. The information contained within our website is not exhaustive and cannot always reflect all the most recent research in all areas of medicine.

    11.2 You should work within the bounds of your own competencies, using your own skill and knowledge and therefore the documents should be used to support good practice, not to replace it.

    12. Our Contract With You

    12.1 Our acceptance of your order or subscription will take place when we email you to accept it, at which point a contract will come into existence between you and us.

    12.2 If we are unable to accept your order or subscription, we will inform you of this and will not charge you for the product. This might be because the product is out of stock, because of unexpected limits on our resources, because we have identified an error in the price or description of the product, or because your bank have declined to process the payment.

    12.3 To register to use our products, you will be requested to register for an account, using registration details as set out on the website.

    12.4 Although our website is accessible from outside of the UK, we cannot state whether our products will be suitable for the country in which they are to be used.

    12.5 If you wish to make a change to your order please contact us. We will let you know if the change is possible. If it is possible we will let you know about any changes to the price of the product, the timing of supply or anything else which would be necessary as a result of your requested change and ask you to confirm whether you wish to go ahead with the change.

    12.6 We may change the product:

    a. To reflect changes in relevant laws and regulatory requirements; and

    b. To implement minor technical adjustments and improvements, for example to address a security threat.

    12.7 We may update or require you to update digital content, provided that the digital content shall always match the description of it that we provided to you before you bought it.

    12.8 There is no legal right to end the contract and obtain a refund during a subscription period (unless we are in breach of these terms). In consumer contracts there is a 14 day cooling off period unless the consumer starts to download materials. If you do wish to end the contract, just contact us to let us know. If you do not end the contract your subscription will automatically renew.

    12.9 To end the contract with us, email us at [email protected] Please provide your name, home address, details of the order and, where available, your phone number and email address.

    12.10 We may end the contract if you break it. We may end the contract for a product at any time by writing to you if:

    a. you do not make any payment to us when it is due and you still do not make payment within 5 days of us reminding you that payment is due;

    b. you break any of the terms of this agreement or you breach our website user and acceptable use policy.

    12.11 If we end the contract in the situations set out in Clause 11.10 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 your breaking the contract.

    12.12 We may withdraw the product. We may write to you to let you know that we are going to stop providing the product. We will let you know at least 30 days in advance of our stopping the supply of the product and will refund any sums you have paid in advance for products which will not be provided.

    13. Providing The Products

    13.1 If you have requested a subscription to receive materials or digital content, we will make these available to you until the subscription expires (if applicable and see clause 12.2) or you end the contract as described in Clause 11.9 or we end the contract by written notice to you as described in Clause 11.10.

    13.2 Subscriptions automatically renew. You will receive an email a few days before your next subscription payment is due. If you do nothing your subscription will renew and a payment will be taken using the payment details that you provided to us. If you do not want to renew just log into your account, go to the ‘Settings’ page, and select ‘Turn off auto renew’.

    13.3 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.

    13.4 We may have to suspend the supply of a product to:

    a. Deal with technical problems or make minor technical changes;

    b. Update the product to reflect changes in relevant laws and regulatory requirements;

    c. Make changes to the product as requested by you or notified by us to you (see Clause 11.6).

    13.5 We will contact you in advance to tell you we will be suspending supply of the product, unless the problem is urgent or an emergency. If we have to suspend the product for longer than 21 consecutive 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 22 consecutive 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.

    13.6 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 and you still do not make payment within 5 days of us reminding you that payment is due, we may suspend supply of the products until you have paid us the outstanding amounts. We will contact you to tell you we are suspending supply of the products. As well as suspending the products we can also charge you interest on your overdue payments.

    13.7 If you have ordered a single digital item, we will make the digital content available for download by you as soon as we accept your order.

    13.8 If you have any questions or complaints about the product, please contact us. You can write to us or email us [email protected].

    14. Your Rights In Respect Of Defective Products If You Are A Consumer

    14.1 If you are a consumer (i.e. not acting in the course of a business, trade, or profession) we are under a legal duty to supply products that are in conformity with this contract. This means that the materials and digital content that we provide must as described and of satisfactory quality.

    14.2 If your digital content is faulty, you are entitled to a repair or a replacement. If the fault can’t be fixed, or if it hasn’t been fixed within a reasonable time and without significant inconvenience, you can get some or all of your money back. 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.

    15. Your Rights In Respect Of Defective Products As A Business

    15.1 If you are a business customer we make no warranties in regards to any of the content available on our website however, we warrant that for materials and digital products, at the date it was available for download it will conform in all material respects with its description.

    15.2 Subject to Clause 14.3, if:

    a. You give us notice in writing within 7 days of accessing or downloading a product that a product does not comply with the warranty set out in Clause 14.1 we shall replace the defective product.

    15.3 We will not be liable for a product’s failure to comply with the warranty in Clause 14.1 if:

    a. You make any further use of such product after giving a notice in accordance with Clause 14.2(a);

    b. The defect arises because you failed to follow instructions as to use or installation.

    15.4 Except as provided in this Clause 14, we shall have no liability to you in respect of a product’s failure to comply with the warranty set out in Clause 14.1.

    16. Price And Payment

    16.1 The price of the product (which includes VAT) will be the price indicated on the order pages when you placed your order. We take all reasonable care to ensure that the price of the product advised to you is correct. However please see Clause 15.3 for what happens if we discover an error in the price of the product you order.

    16.2 We will pass on changes in the rate of VAT. If the rate of VAT changes between your order date 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.

    16.3 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 your order date is less than our stated price at your order date, we will charge the lower amount. If the product’s correct price at your order date is higher than the price stated to you, 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 goods provided to you.

    16.4 When you must pay and how you must pay. How you can pay is set out on the Website. All products must be paid for at the time you submit your order.

    17. Our Responsibility For Loss Or Damage Suffered By You

    17.1 Whether you are a consumer, professional, or business user:

    17.1.1 We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

    17.1.2 Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any products to you, which will be set out in our Terms and conditions of supply that you agree to when you register to use our site.

    18. Our Responsibility For Loss Or Damage Suffered By You As A Consumer

    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 We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors; for fraud or fraudulent misrepresentation; for breach of your legal rights in relation to the products as summarised at Clause 12.

    18.3 When we are liable for damage caused by defective digital content. If defective digital content which we have supplied damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill we will either repair the damage or pay you compensation. However, we will not be liable for damage which you could have avoided by following our advice to apply an update offered to you free of charge or for damage which was caused by you failing to correctly follow installation instructions or to have in place the minimum system requirements advised by us.

    18.4 We are not liable for business losses. If you are a consumer we only supply the products for to you for domestic and private use and we will not be liable to you for any loss suffered if you use the products for any commercial or business purposes.

    19. Our Responsibility For Loss Or Damage Suffered By You As A Business

    19.1 Nothing in these terms shall limit or exclude our liability for:

    a. Death or personal injury caused by our negligence, or the negligence of our employees, agents or subcontractors (as applicable);

    b. Fraud or fraudulent misrepresentation;

    c. Any matter in respect of which it would be unlawful for us to exclude or restrict liability.

    19.2 Except to the extent expressly stated in Clause 18.1 all terms implied by sections 13 to 15 of the Sale of Goods Act 1979 and sections 3 to 5 of the Supply of Goods and Services Act 1982 are excluded.

    19.3 Subject to Clause 18.1:

    a. We shall not 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 any contract between us; and

    b. Our total liability to you for all other losses arising under or in connection with any contract between us, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, shall be limited to the total sums paid by you for products under such contract.

    c. In particular, we will not be liable for:

    • Loss of profits, sales, business, or revenue;
    • Business interruption;
    • Loss of anticipated savings;
    • Loss of business opportunity, goodwill or reputation; or
    • Any indirect or consequential loss or damage.

    20. How We May Use Your Personal Information

    20.1 We will only use your personal information as set out in our Privacy Policy.

    21. Other Important Terms

    21.1 We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.

    21.2 You may only transfer your rights or your obligations under these terms to another person if we agree to this in writing.

    21.3 This contract is between you and us. No other person shall have any rights to enforce any of its terms.

    21.4 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.

    21.5 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.

    21.6 These terms are governed by English law and you can bring legal proceedings in respect of the products in the English courts.

    21.7 Alternative dispute resolution if you are a consumer. Alternative dispute resolution (ADR) is a process where an independent body considers the facts of a dispute and seeks to resolve it, without you having to go to court. If you are a consumer and are not happy with how we have handled any complaint, you may want to contact an ADR to help resolve the complaint. We are not a member of any ADR and we reserve the right to refuse to accept any ADR provider that you have proposed. In addition, please note that, while the UK is a member of the European Economic Union, disputes may be submitted for online resolution to the European Commission Online Dispute Resolution platform.

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