Terms & Conditions
No part of this Website is intended to constitute a contractual offer capable of acceptance. Your order constitutes a contractual offer and our acceptance of that offer is deemed to occur upon our sending an email to you indicating that your order has been fulfilled and access to and your use of the Website is enabled.
1.Definitions and Interpretation
In this Agreement the following terms shall have the following meanings:
“Account” means collectively the personal information, Payment Information and credentials used by Users to access Content and/or any communications System on the Website;
“Application” means the services provided by this Website to aid in the creation and management of financial planning for the foundation, analysis and reporting of a new business idea or an existing business.
“Content” means any text, graphics, images, audio, video, software, data compilations and any other form of information capable of being stored in a computer that appears on or forms part of this Website;
“Numbers Know How” means Numbers Know How Limited;
“Service” means collectively any online facilities, tools, services or information that products and applications available for subscription on the Website provides either now or in the future;
“Services” means the services available to you through this Website, specifically Business Modelling Tools, training products and resources;
“Payment Information” means any details required for the purchase of Services from this Website. This includes, but is not limited to, credit/debit card numbers, bank account numbers and sort codes;
“Purchase Information” means collectively any orders, invoices, receipts or similar that may be in hard copy or electronic form;
“Premises” means our place(s) of business or registered office.
“System” means any online communications infrastructure that Numbers Know How makes available through the Website either now or in the future. This includes, but is not limited to, web-based email, message boards, live chat facilities and email links;
“User” / “Users” means any third party that accesses the Website and is not employed by Numbers Know How Limited and acting in the course of their employment; and
“Website” means the Numbers Know How website that you are currently using and any sub-domains of this site unless expressly excluded by their own terms and conditions.
- Intellectual Property
2.1 Subject to the exceptions in Clause 3 of these Terms and Conditions, all Content included on the Website, unless uploaded by Users, including, but not limited to, text, graphics, logos, icons, images, sound clips, video clips, data compilations, page layout, underlying code and software is the property of Numbers Know How, our or other relevant third parties. By continuing to use the Website you acknowledge that such material is protected by applicable United Kingdom and International intellectual property and other laws.
2.2 Subject to Clause 5 you may not reproduce, copy, distribute, store or in any other fashion re-use material from the Website unless otherwise indicated on the Website or unless given express written permission to do so by Numbers Know How.
- Third Party Intellectual Property
3.1 Unless otherwise expressly indicated, all Intellectual Property rights including, but not limited to, Copyright and Trademarks, in product images and descriptions belong to the manufacturers or distributors of such products as may be applicable.
3.2 Subject to Clause 5 you may not reproduce, copy, distribute, store or in any other fashion re-use such material unless otherwise indicated on the Website or unless given express written permission to do so by the relevant manufacturer or supplier.
- Fair Use of Intellectual Property
Material from the Website may be re-used without written permission where any of the exceptions detailed in Chapter III of the Copyright Designs and Patents Act 1988 apply.
- Links to Other Websites
This Website may contain links to other sites. Unless expressly stated, these sites are not under the control of Numbers Know How or that of our affiliates. 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 the use of them. 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.
- Links to this Website
Those wishing to place a link to this Website on other sites may do so only to the homepage of the site without prior permission. Deep linking (i.e. links to specific pages within the site) requires the express permission of Numbers Know How. To find out more please contact us by email at firstname.lastname@example.org
- Use of Communications Facilities
4.1 When using the enquiry form or any other System on the Website you should do so in accordance with the following rules:
4.1.1 You must not use obscene or vulgar language;
4.1.2 You must not submit Content that is unlawful or otherwise objectionable. This includes, but is not limited to, Content that is abusive, threatening, harassing, defamatory, ageist, sexist or racist;
4.1.3 You must not submit Content that is intended to promote or incite violence;
4.1.4 It is advised that submissions are made using the English language(s) as we may be unable to respond to enquiries submitted in any other languages;
4.1.5 The means by which you identify yourself must not violate these Terms and Conditions or any applicable laws;
4.1.6 You must not impersonate other people, particularly employees and representatives of Numbers Know How or our affiliates; and
4.1.7 You must not use our System for unauthorised mass-communication such as “spam” or “junk mail”.
4.2 You acknowledge that Numbers Know How reserves the right to monitor any and all communications made to us or using our System.
4.3 You acknowledge that Numbers Know How may retain copies of any and all communications made to us or using our System.
5.1 In order to procure Services on this Website and access and use Numbers Know How Forums facilities you are required to create an Account which will contain certain personal details which may vary based upon your use of the Website. By continuing to use this Website you represent and warrant that:
5.1.1 all information you submit is accurate and truthful.
5.1.2 you have permission to submit Payment Information where permission may be required; and
5.1.3 you will keep this information accurate and up to date. Your creation of an Account is further affirmation of your representation and warranty.
5.2 It is recommended that you do not share your Account details, particularly your username and password. Numbers Know How accepts no liability for any losses or damages incurred as a result of your Account details being shared by you. If you use a shared computer, it is recommended that you do not save your Account details in your internet browser.
5.3 If you have reason to believe that your Account details have been obtained by another without consent, you must contact Numbers Know How immediately to suspend your Account and cancel any unauthorised orders or payments that may be pending. Please be aware that orders or payments can only be cancelled up until provision of Services has commenced. In the event that an unauthorised provision commences prior to your notifying us of the unauthorised nature of the order or payment, Numbers Know How will suspend provision of Services and the withdrawal of any scheduled payments pending investigation. Following investigation, it shall be determined whether or not to cancel the Services and make a full or partial refund of the payment at the sole discretion of Numbers Know How.
5.4 When choosing your username you are required to adhere to the terms set out above in Clause 7. Any failure to do so could result in the suspension and/or deletion of your Account.
5.5 Plan Sharing: Numbers Know How allows plan owners to invite other users to view or edit plans.
Editing a shared plan is only possible if both plan owner and invited user are on a paid subscription. Editors can also invite other users to view or edit the plan. When a plan is shared, the data, including any confidential data, in that plan will be visible/editable by all users. It is your responsibility to ensure that invited users have the authority to view such material.
- Termination and Cancellation
6.1 Either Numbers Know How or you may terminate your Account. If Numbers Know How terminates your Account, you will be notified by email and an explanation for the termination will be provided. Notwithstanding the foregoing, we reserve the right to terminate without giving reasons.
6.2 If Numbers Know How terminates your Account, any current or pending orders or payments on your Account will be cancelled and provision of Services will not commence.
6.3 Numbers Know How reserves the right to cancel orders or payments without stating reasons, for any reason prior to processing payment or commencing Services provision.
6.4 If orders or payments are cancelled for any reason prior to commencement of Services provision you will be refunded any monies paid in relation to those purchases for any unused full subscription months.
6.5 If you terminate your Account any non-completed orders or payments will be cancelled.
Any and all monies are due for payment on completion of the order or on the dates, or intervals specified in that order as may be appropriate, unless alternative arrangements are agreed between the Purchaser and Numbers Know How.
- Activation; Renewal; Cancellation
In order to use the full-featured Software or Service beyond a trial period, the User must purchase a subscription license to the Software via the purchase link provided in the Software. Numbers Know How uses 3rd party e-commerce services to process the initial purchase as well as subsequent subscription renewals. In addition to the Numbers Know How Terms and Conditions, you need to accept those of our e-commerce provider when activating your subscription. Numbers Know How automatically renews your subscription as per the terms presented during checkout. You can cancel your subscription at any time before the end of the current billing period by going to the billing tab inside your Numbers Know How account.
Numbers Know How will not provide a refund for any remaining prepaid period for prepaid charges in accordance with your Subscription package.
- Services, Pricing and Availability
7.1 Whilst every effort has been made to ensure that all descriptions of Services available from Numbers Know How correspond to the actual Services, Numbers Know How is not responsible for any variations from these descriptions. This does not exclude our liability for mistakes due to negligence on our part and refers only to variations of the correct Services, not different Services altogether. Please refer to sub-Clause 13.4 for incorrect Services.
7.2 Where appropriate, you may be required to select the required Numbers Know How Business Services.
7.3 Numbers Know How does not represent or warrant that such Services will be available. Availability indications are provided on the Website.
7.4 All pricing information on the Website is correct at the time of going online. Numbers Know How reserves the right to change prices and alter or remove any special offers from time to time and as necessary. All pricing information is reviewed and updated every 3 Months.
7.5 In the event that prices are changed during the period between an order being placed for Services and Numbers Know How processing that order, provision of Services shall commence as per your order and you will be charged the original price.
7.6 Prices on the Website and any associated materials are exclusive of VAT where indicated. Where any price is not indicated as VAT Inclusive VAT will be charged at the rate ruling at the time of purchase. European Businesses, who are VAT, registered will be asked to provide their VAT registration number at the time of purchase and VAT will not be charged. If a business does not provide a valid European VAT number, VAT will be charged at the appropriate rate at the time of payment.
7.7 If during the term of a user subscription any due subscription payment shall be rejected by Numbers Know How Payment Processor or not be received for any reason, then the subscription will be cancelled.
- Provision of Services
8.1 Provision of Subscription Services shall commence when full payment has been received or as otherwise detailed in the Terms & Conditions pertaining directly to those Services.
8.2 Numbers Know How shall use its best endeavours to provide the Services with reasonable skill and care.
8.3 Provision of all Services shall be subject to the Terms and Conditions pertaining directly to those Services.
8.4 In the event that Services are provided that are not in conformity with your order and thus incorrect, you should contact us within 10 days to inform us of the mistake. Numbers Know How will ensure that any necessary corrections to the Services provided are made within 7 working days.
8.5 Numbers Know How reserves the right to exercise discretion with respect to any alterations to Services under the provisions of this Clause 13. Factors which may be taken into account in the exercise of this discretion include, but are not limited to:
8.5.1 Any use or enjoyment that you may have already derived from the Services;
8.5.2 Any characteristics of the Services which may mean that cessation of provision is impossible without significant further work on the part and at the expense of Numbers Know How. Such discretion to be exercised only within the confines of the law.
10.1 Numbers Know How makes no warranty or representation that the Website or the application will meet your requirements, that it will be of satisfactory quality, that it will be fit for a particular purpose, that it will not infringe the rights of third parties, that it will be compatible with all systems, that it will be secure, and that all information provided will be accurate. We make no guarantee of any specific results from the use of our Service or Services.
10.2 No part of this Website or the application is intended to constitute advice and the Content of this Website should not be relied upon when making any decisions or taking any action of any kind.
10.3 No part of this Website or the application is intended to constitute a contractual offer capable of acceptance.
10.4 Whilst Numbers Know How uses reasonable endeavours to ensure that the Website and the application are secure and free of errors, viruses and other malware, all Users are responsible for their own security, that of their personal details and their computers.
- Changes to the Service and these Terms and Conditions
Numbers Know How reserves the right to change the Website, its Content or these Terms and Conditions at any time. You will be bound by any changes to the Terms and Conditions from the first time you use the Website following the changes. If Numbers Know How is required to make any changes to Terms and Conditions by law, these changes will apply automatically to any orders currently pending in addition to any orders placed by you in the future.
- Availability of the Website
11.1 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 law we provide no warranties (express or implied) of fitness for a particular purpose, accuracy of information, compatibility, and satisfactory quality.
11.2 Numbers Know How accepts no liability for any disruption or non-availability of the Website resulting from external causes including, but not limited to, ISP equipment failure, host equipment failure, communications network failure, power failure, natural events, acts of war or legal restrictions and censorship.
- Limitation of Liability
12.1 To the maximum extent permitted by law, Numbers Know How accepts no liability for any direct or indirect loss or damage, foreseeable or otherwise, including any indirect, consequential, special or exemplary damages arising from the use of the Website or any information contained therein or any information derived from the use of this website and/or any associated applications. Users should be aware that they use the Website and its Content entirely at their own risk.
12.2 Nothing in these Terms and Conditions excludes or restricts Numbers Know How liability for death or personal injury resulting from any negligence or fraud on the part of Numbers Know How.
12.3 Whilst every effort has been made to ensure that these Terms and Conditions comply with the relevant provisions of the Unfair Contract Terms Act 1977, in the event that any of these terms are found to be unlawful, invalid or otherwise unenforceable, that term is to be deemed severed from these Terms and Conditions and shall not affect the validity and enforceability of the remaining Terms and Conditions. This term shall apply only within jurisdictions where a particular term is illegal.
- No Waiver
In the event that any party to these Terms and Conditions fails to exercise any right or remedy contained herein, this shall not be construed as a waiver of that right or remedy. If any clause in this agreement conflicts with the law of England and Wales no other clauses within this agreement shall be affected.
- Previous Terms and Conditions
In the event of any conflict between these Terms and Conditions and any prior versions thereof, the provisions of these Terms and Conditions shall prevail unless it is expressly stated otherwise.
- Third Party Rights
Nothing in these Terms and Conditions shall confer any rights upon any third party. The agreement created by these Terms and Conditions is between you and Numbers Know How.
13.1 All notices/communications shall be given to us either by post to our Premises at the Address provided on the Company Notice page of this Website or by email via our Contact Page on the Website. Such notice will be deemed received 3 days after posting if sent by first class post, the day of sending if the email is received in full on a business day and on the next business day if the email is sent on a weekend or public holiday.
13.2 Numbers Know How may from time to time send you additional information via email about our products and/or services. If you do not wish to receive such information, please click on Unsubscribe from the appropriate link within the email.
- Law and Jurisdiction
These Terms and Conditions and the relationship between you and Numbers Know How shall be governed by and construed in accordance with the Law of England and Wales and Numbers Know How and you agree to submit to the exclusive jurisdiction of the Courts of England and Wales.
- Written/Video Content
To include, but not restricted to, written and video material included in any articles, blog posts, training videos, onboarding emails, e-books and courses. Content is presented solely for educational and entertainment purposes. Numbers Know How, its staff and publishers are not offering it as legal, accounting, or other professional services advice.
While best efforts have been used in preparing the materials, Numbers Know How, its staff and publishers make no representations or warranties of any kind and assume no liabilities of any kind with respect to the accuracy or completeness of the contents and specifically disclaim any implied warranties of merchantability or fitness of use for a particular purpose. Numbers Know How, its staff and publishers will not be held liable or responsible to any person or entity with respect to any loss or incidental or consequential damages caused, or alleged to have been caused, directly or indirectly, by the information or programmes provided. No warranty may be created or extended by sales representatives or written sales materials. Every company is different and the advice and strategies contained within any written material or video may not be suitable for your situation. You should seek the services of a competent professional before beginning any improvement program. Any case studies and their characters and entities are fictional. Any likeness to actual persons, either living or dead, is strictly coincidental.
This Policy applies as between you, the User of this Website and Numbers Know How the owner and provider of this Website. This Policy applies to our use of any and all Data collected by us in relation to your use of the Website.
Definitions and Interpretation
In this Policy the following terms shall have the following meanings:
‘Data’- means collectively all information that you submit to the https://numbersknowhow.co.uk/ Website. This definition shall, where applicable, incorporate the definitions provided in the Global Data Protection Regulations 2018;
‘Cookie’ – means a small text file placed on your computer by this Website when you visit certain parts of the Website and/or when you use certain features of the Website.
‘Numbers Know How – means Numbers Know How Limited;
‘User’ – means any third party that accesses the Website and is not employed by Numbers Know How and acting in the course of their employment; and
‘Website’ – means the website that you are currently using (https://numbersknowhow.co.uk/ ) and any sub-domains of this site unless expressly excluded by their own terms and conditions.
Scope of this Policy
This Policy applies only to the actions of Numbers Know How and Users with respect to this Website. It does not extend to any websites that can be accessed from this Website including, but not limited to, any links we may provide to social media websites.
What data do we collect?
Without limitation, any of the following Data may be collected by this Website from time to time: name; job title; profession; contact information such as email addresses and telephone numbers; demographic information such as postcode, preferences and interests; IP address (automatically collected); web browser type and version (automatically collected); operating system (automatically collected);
How do we collect information?
We collect Data and process Data from you when you use or view our website, via your browser’s cookies, subscribe to a newsletter or blog, fill out a form, sign up for a trial or purchase a subscription for our software..
How do we collect and use your Data?
Any personal Data you submit will be retained by Numbers Know How for the duration of your being a customer of Numbers Know How.
Unless we are obliged or permitted by law to do so, your Data will not be disclosed to unrelated third parties. Please see further detail in the Third Party Disclosure section.
All personal Data is stored securely in accordance with the principles of the Global Data Protection Regulations 2018.
We collect Data and process Data from you when you register, sign up for our newsletter, respond to a survey or marketing communication, visit the website, or use certain other site features.
Any or all of this Data may be required by us from time to time in order to provide you with the best possible service and experience when using our Website.
We may use the Data we collect from you in the following ways:.
- Internal record keeping and administering your account;
- providing you with services
- improvement of our products/services – Google Analytics is used to track customer actions anonymously across the customer database, in order to understand how the app is being used to assess which features need improvement.
- To personalize the user’s experience and to allow us to deliver the type of content and product offerings in which you are most interested
- responding to your questions and concerns
- sending you product or service information directly related directly to Numbers Know How;
- for advertising purposes, are required to share certain details with third parties.
How do we store your data and protect visitor information?
Data security is of great importance to Numbers Know How and to protect your Data we have put in place suitable physical, electronic and managerial procedures to safeguard and secure Data collected via this Website.
Our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our site as safe as possible in order to protect your privacy.
Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.
All financial transactions are processed through a gateway provider and are not stored or processed on our servers.
Do we use ‘Cookies’?
Yes. Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your web browser (if you allow). We use functional and marketing cookies.
Functional cookies enable our systems to recognize your browser and capture and remember certain information. They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services.
We also use Advertising cookies to help us place and keep track of advertisements (please refer to the Google Adwords and Remarketing section); and compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future. We may also use trusted third party services that track this information on our behalf.
You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser (eg Internet Explorer) settings. Each browser is a little different, so look at your browser’s Help menu to learn the correct way to modify your cookies.
If you turn cookies off, some features will be disabled and some of our services may not function properly.
Third party disclosure
Numbers Know How may, from time to time, employ the services of other carefully selected third parties, and will transfer your data to them, for dealing with matters that may include, but are not limited to, payment processing, account support administration, technical support and problem solving, email communication, delivery of purchased items, search engine facilities. The third parties may be located in other countries (including the USA), but we ensure that all third parties that we use are properly certified and registered with the appropriate authorities and procedures.
Any Data used by such parties is used only to the extent required by them to perform the services that Numbers Know How requests. Any use for other purposes is strictly prohibited. Furthermore, any Data that is processed by third parties shall be processed within the terms of this Policy and in accordance with the Global Data Protection Regulations 2018.
Third party links
We do not include or offer third party products or services on our website.
Links to Other Websites
COPPA (Children Online Privacy Protection Act)
When it comes to the collection of personal information from children under 13, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, the nation’s consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online.
We do not specifically market to children under 13.
CAN SPAM Act
The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.
We collect your email address in order to:
- Send information, respond to enquiries, and/or other requests or questions.
To be accordance with CAN SPAM we agree to the following:
- NOT use false, or misleading subjects or email addresses
- Identify the message as an advertisement in some reasonable way
- Include the physical address of our business or site headquarters
- Monitor third party email marketing services for compliance, if one is used.
- Honour opt-out/unsubscribe requests quickly
- Allow users to unsubscribe by using the link at the bottom of each email
If at any time you would like to unsubscribe from receiving future emails, you can follow the ‘Unsubscribe’ instructions at the bottom of each email.
Google Adwords and Remarketing
Our site uses all features of Google Analytics for Display Advertisers. That includes obtaining specific visitor Cookie data, such as the source, medium and keyword used to visit our website. Google Analytics does not store any visitor specific data and we will not use visitor specific data in any way related to Google Analytics, Google Adwords, and Remarketing.
Our site uses remarketing with Google Adwords and analytics to display content specific advertisements to visitors that have previously visited our site when those visitors go to other websites that have the Google Display Network implemented.
Our site and other third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie) together to inform, optimize, and serve ads based on visitor’s past visits to our website.
We take our users’ privacy very seriously. We feel that certain personal information should always be kept private, so we’ve developed restrictions around the types of ads where we don’t allow remarketing. When creating remarketing lists, we can’t use any sensitive information about users. This includes information such as their financial status, sexual orientation, and other sensitive categories.
Where users have chosen to enable Google to associate their web and app browsing history with their Google account, and to use information from their Google account to personalize ads, Google will use data from its signed-in users together with your Google Analytics data to build audience lists for cross-device remarketing. Google Analytics will collect Google-authenticated identifiers associated with users’ Google Accounts (and therefore, personal information). This business collects and shares information with Google.
As Adwords advertisers, we are restricted from and will not perform the following actions:
- Running ads that collect Personally Identifiable Information (PII) including, but not limited to, email addresses, telephone numbers, and credit card numbers
- Creating a remarketing list or creating ad text that specifically targets users in ways that are outlined as “prohibited” in the categories below
Visitors can opt out of Google Analytics for Display Advertisers and opt out of customized Google Display Network ads by visiting the Ads Preferences Manager.
Changes of Business Ownership and Control
Numbers Know How may, from time to time, expand or reduce our business and this may involve the sale and/or the transfer of control of all or part of Numbers Know How. Data provided by Users will, where it is relevant to any part of our business so transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this Policy, be permitted to use the Data for the purposes for which it was originally supplied to us.
In the event that any Data submitted by Users is to be transferred in such a manner, you will be contacted in advance and informed of the changes. When contacted you will be given the choice to have your Data deleted or withheld from the new owner or controller.
Your Right to Withhold Information
You may access certain areas of the Website without providing any Data at all. However, to use all features and functions available on the Website you may be required to submit certain Data.
However, you may prefer to disable Cookies on this Website and on others. The most effective way to do this is to disable Cookies in your browser. We suggest consulting the Help section of your browser in order to do this. You can choose to delete Cookies at any time, however, it may impact on your use of the Website. We also recommend that you ensure that your browser is up-to-date and that you consult the help and guidance of the browser developer if you are unsure about adjusting your privacy settings.
Accessing your Data
Right to access – You have the right to ask for a copy of any of your personal Data held by Numbers Know How Limited (where such data is held) and it will be provided within one month.
Right to rectification – You have the right to update any of your personal Data held by Numbers Know How Limited if that information is inaccurate.
Right to erasure – You have the right to request that Numbers Know How delete your Data, unless we have to keep it for legitimate or legal purposes. We will tell you if this is the case.
Right to restrict processing – You have the right to ask Numbers Know How to restrict your processing of personal data, under certain circumstances.
Right to object to processing – You have the right to object to the processing of your personal Data under certain circumstances.
The right of portability – You have the right to obtain (free of charge) and re-use your personal Data for your own purposes across different services. This Data will be provided to you within one month, and will be provided in a structured, commonly used and machine-readable format (including CSV files).
For any of these requests, please send us an email to email@example.com, or write to us at Numbers Know How Limited, Forester Building, 29-35 St. Nicholas Place, Leicester, LE1 4LD
Changes to this Policy
Numbers Know How reserves the right to change this Policy as we may deem necessary from time to time or as may be required by law. Any changes will be immediately posted on the Website and you are deemed to have accepted the terms of the Policy on your first use of the Website following the alterations.
If you feel that Numbers Know How has not addressed your concern in a satisfactory manner or you wish to make a complaint, you may contact the Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF https://ico.org.uk/