PLATFORM TERMS OF USE FOR CUSTOMERS

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1. Who we are and how to contact us

‍We are Wealth Dragons Group PLC, an English public limited company (registration number 09896161 and VAT number ∙^number). We are based at Scorpio House Linford Wood Business Park, Rockingham Drive, Milton Keynes, United Kingdom, MK14 6LY. For information on the best way to contact us, see https://www.wealthdragons.co.uk/en-gb/contact .

‍2. When these terms apply

‍These terms apply to customers of Consultz, our online platform. For previous versions of these terms (and the policies referred to in them) as well as the dates they applied, see link. Certain defined terms have specific meanings which you can access by clicking on them. For a full list of such terms, see section 11 (Defined terms).These platform terms cover the following matters:

Becoming a customer of the Consultz platform

‍● Our agreement with you
‍● The law and our policies
‍● Your warranties about the information you give
‍● Your communications with consultants
‍● Your use of our systems
‍● Platform availability

‍Dealing with consultancy requests, refunds and complaints

‍● What we do when you request a consultation
‍● Cancellations
‍● Complaints
‍● Reviews
‍● Access to and use of data generated through use of the Consultz platform

‍Paying for services

‍● What you pay for services on the Consultz platform
‍● You pay us and we pay the consultant
‍● How customers are refunded
‍● Consultancy requests from outside Great Britain

‍Ending this agreement and disputes

‍● When we'll end this agreement
‍● How to complain if you're not happy with the Consultz platform including any decisions we've taken
‍● We can each request mediation of disputes
‍● How you can end this agreement

‍Limitations of liability and platform availability

‍● Meaning of liability in these terms
‍● Liabilities neither of us limit or exclude
‍● Types of loss we exclude liability for
‍● Caps on our liability
‍● Deadline to make claims

‍Data protection obligations

‍● How we treat personal data we have received

‍Changes to these terms and our policies

‍● How we make changes to these terms
‍● What you can do if you're unhappy about the changes we've made

‍Other important terms

‍● Governing law and jurisdiction
‍● Impact of events beyond our reasonable control
‍● We can transfer our rights and obligations under this agreement
‍● We are not bound by anything not included in this agreement
‍● Each of us can only waive our rights under this agreement in writing
‍● Invalidity of part of this agreement doesn't affect the rest of it
‍● No one else has rights under this agreement

‍Defined terms

‍● Terms in bold have the following meanings

‍3. Becoming a customer of the Consultz platform

Our agreement with you:

‍You can register to use our online platform here link to registration form. An agreement between us governed by these terms will come into force when you register.

‍The law and our policies

‍You must at all times when doing anything in connection with this agreement comply with all applicable laws, statutes, regulations and codes from time to time in force including our policies as set out below.The policies set out below, which we both must comply with, form part of these terms and our agreement with you. See section 9 (Changes to these terms) for how and when we tell you about changes and how you can end this agreement if you're not happy with a change.

The policies are:

● Acceptable Use - what you can and can't do when providing customer reviews;
● Refunds - information for customers about how refunds are dealt with; and
● Customer Care – what you can expect where you have questions or complaints.

‍Your warranties about the information you give

‍You represent and warrant that the information you provide to us in connection with registering for the Consultz platform is accurate and you'll promptly notify us of any changes to it.

‍Your communications with consultants

‍You must always use the consultant interface to communicate with consultants you have engaged through the Consultz platform. This helps us to keep a full record of all communications in relation to any transaction in case there are any disputes.If you engage a consultant through the Consultz platform you must not in any way ask or encourage the consultant to provide their services (or repeat engagements for those or similar services) either directly to you or from another source.

‍Your use of our systems

‍You may only use the Consultz platform (our systems) for obtaining services from consultants on these terms. You agree to use all reasonable security practices to prevent unauthorised access or damage to our systems. These practices include but are not limited to:
● making sure any devices you use to access our systems have up to date anti-virus protection and not introducing any viruses into our systems;
● ensuring that your log-in details and passwords for our systems:o are not shared with anyone else; ando are changed as and when prompted by our systems; and
● telling us immediately if you think that your log-in details or passwords are being or may be have been compromised, or used in an unauthorised way or that the security of our systems has been compromised.Except as permitted by any applicable law which we can't agree to exclude, you mustn't:
● attempt to copy, modify, duplicate, create derivative works from, frame, mirror, republish, download, display, transmit, or distribute all or any portion of our systems in any form or media or by any means;
● attempt to de-compile, reverse compile, disassemble, reverse engineer or otherwise reduce to human-perceivable form all or any part of our systems;
● access all or any part of our systems to build a service which competes with them; or● create multiple accounts to evade punishment or avoid restrictions.

‍Platform availability

‍We aim to make the Consultz platform available to you on a 24/7 basis but reserve the right to take some or all of our systems offline as reasonably required for routine and emergency maintenance or repairs. We'll give you as much notice of such downtime as is reasonably possible. All communications using the internet may be affected by events outside our reasonable control (see Impact of events beyond our reasonable control).

‍4. Dealing with consultancy requests, refunds and complaints

What we do when you request a consultation

‍When you seek to engage a consultant on the Consultz platform, we, acting as agent for the consultant, will:
● send you a consultancy request acknowledgement email in our standard format;
● promptly inform the consultant of your consultancy request;
● unless the consultant tells us that they can't fulfil a request within 24 hours, send you a request acceptance email in our standard format and so form a direct contract for the consultant to supply their service to you on these terms;
● if the consultant tells us that they can't accept a request, send you a request rejection email; and
● take payment from you when the consultant tells us they're provided the consultation you requested.

‍Cancellations

‍We'll tell the consultant if you contact us to cancel a consultation. When you do so, the consultant should comply with the Refunds Policy and any further commitments they've made in their service listing or other marketing or advertising. Refunds due to customers who have cancelled will be dealt with as described in How customers are refunded.

‍Complaints

‍If you wish to complain to us about a consultant or one of their services, including any complaints that services have not been delivered or that cancelled consultations have not been refunded please provide you with all relevant details about the complaint. All of your communications with consultants about complaints should be made through the platform, or where this is not possible, accurately logged with, our interface.

‍Reviews

‍Customer reviews on the Consultz platform should only be from customers who have procured services and tried them and who are not connected with the relevant consultant or in any way encouraged or incentivised to post a favourable review.You may not submit a review regarding a consultant unless you have had a consultation with them. Customers submitting a review do so in a prescribed format which may involve a free text box. Our software may block language in customer reviews which is not permitted under our Acceptable Use Policy link to policy but we don't guarantee that it will do so. If we consider that a review breaches it, we'll remove the review from the platform and inform you we've done so.

Customer reviews do not equate to our endorsement or otherwise of a consultant's services.
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‍Access to and use of data generated through use of the Consultz platform

‍Your use of the Consultz platform will generate data (including personal data), about consultations, customer queries, ratings and reviews and other matters. Information about how we process personal data relating to customers is set out in our Privacy Policy link to policy. This also describes your data protection rights including rights to object to certain types of processing activity.

‍5. Paying for servicesWhat you pay for services on the Consultz platformConsultants set their own rates but these should always be in pounds sterling.  The fee payable by you is whatever you agree to with the Consultant via the platform. All prices include VAT and our request acknowledgement email will:

(i) serve as the supply VAT receipt issued in your name and on your behalf
(ii) include all the information about the requested service which the consultant has provided to us and
(iii) show the UK supply VAT to be collected.  If you are VAT-registered and using our platform for your business you may be able to claim the VAT back via the usual channels and HMRC.

‍You pay us and we pay the consultant

‍Payments you make to us will be held in escrow for 21 days to allow time for any dispute to be lodged. Beyond this period no complaints or refund applications will be entered into.

‍How customers are refunded

‍If a consultant instructs us to refund you on their behalf, we'll do so provided we can deduct such sums from money due to us from them. If we can't deduct such sums, we will require consultants to refund you directly.

‍Consultancy requests from outside Great Britain

‍The Consultz platform only displays information to customers in the English language and only accepts payment in pounds sterling.

‍6. Ending this agreement and disputes

When we'll end this agreement

‍We can end this agreement and your rights to use the Consultz platform for any of the following reasons:
● you've not complied with these terms, including the policies referred to in them and your non-compliance is more than trivial or is repeated; or
● we decide to stop providing the Consultz platform.We'll give you at least 30 days' notice that we are ending this agreement unless:
● our legal, tax or regulatory obligations require us to end this agreement without such notice;
● it's imperative for us to end this agreement either immediately or on shorter notice; or
● you've repeatedly broken this agreement.

‍How to complain if you're not happy with the Consultz platform including any decisions we've taken

‍If you want to complain about our services or the way we've treated you, including because you disagree with us ending this agreement, please contact us via email within 14 days of your grievance arising. We each agree to try our best to resolve all complaints. If we can't resolve your complaint, either of us can request mediation (see We can each request mediation of disputes). In addition, we are both able to bring legal action at any time (see Governing law and jurisdiction).

‍We can each request mediation of disputes

We can each request that any dispute between us be referred to one of our preferred independent mediators. Any such requests should be submitted via email . Both of us must act in good faith when considering any requests for mediation and engaging in any mediation. We may refuse mediation of a dispute which has previously been mediated if the mediator determined you weren't acting in good faith in that mediation. We may also refuse mediation of any dispute connected to other disputes in which a mediator has repeatedly found in our favour. We'll bear a reasonable proportion of the total costs of any mediation, taking into account all relevant elements of the dispute, as determined by the mediator.

‍How you can end this agreement

‍You may stop using the Consultz platform at any time. This agreement will end when you've informed us, using the interface, that you no longer wish to use the Consultz platform.

‍7. Limitations on liability and platform availability

Meaning of liability in these terms

‍When we talk about liability in these terms we mean every kind of liability arising under or in connection with this agreement including but not limited to liability in contract, tort (including negligence), misrepresentation, restitution or otherwise.

‍Liabilities neither of us limit or exclude

‍Nothing in these terms limits any liability which can't legally be limited, including but not limited to liability for:
(i) death or personal injury caused by negligence,
(ii) fraud or fraudulent misrepresentation or
(iii) breach of the terms implied by section 2 of the Supply of Goods and Services Act 1982 (title and quiet possession).
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‍Types of loss we exclude liability for
‍Except in respect of Liabilities neither of us limit or exclude, we won't be liable to you for (i) loss of profits, sales, business, contracts or anticipated savings, or (ii) any indirect or consequential loss.

‍Caps on our liability

‍Except in respect of Liabilities neither of us limit or exclude (which are uncapped), our total liability to you is capped at £100

Payment of uncapped liabilities shall not reduce these caps.

‍Deadline to make claims

‍Unless you notify us that you intend to make a claim in respect of an event within the notice period, we shall have no liability to you for that event. The notice period for an event starts on the day on which you became, or ought reasonably to have become, aware of the event having occurred and expires 6 months from that date. The notice must be in writing and must identify the event and the grounds for the claim in reasonable detail.

‍8. Data protection How we treat personal data we have received

‍We'll process your personal data in accordance with our privacy policy – see: link to policy.

We may collect and share with consultants the following types of personal data in connection with this agreement (shared personal data):
(a) your name, address and contact details; and
(b) information about:
(i) your orders for services,
(ii) your queries and complaints in relation to orders,
(iii) your searches and activity on the platform.

We shall only process shared personal data for the following purposes:
● fulfilling orders for services;
● dealing with queries and complaints from customers about services; and
● dealing with a consultant's employees and individuals working with other organisations for the purposes of operating the Consultz platform and performing this agreement.We shall comply with all the obligations imposed on a controller under UK data protection law and will:
● ensure that all necessary notices, consents and lawful bases are in place to enable lawful transfer of the shared personal data to consultants as well as to their employees and the entities they use in connection with this agreement (permitted recipients);
● give to any data subject whose personal data may be processed under this agreement full information about the nature of such processing. This includes giving notice that, when this agreement ends, personal data relating to them may be retained by or transferred to one or more of the permitted recipients, their successors and assignees;
● not disclose or allow access to the shared personal data to anyone other than the permitted recipients;
● ensure that all permitted recipients are subject to written contractual obligations concerning the shared personal data (including obligations of confidentiality) which are no less strict than those imposed by this agreement;
● ensure that appropriate technical and organisational measures are in place to protect against unauthorised or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data. Such measures shall include, but not be limited to, those set out in our Privacy Policy link to policy.
● not transfer any shared personal data received outside the EEA without ensuring that:  
o the transfer is to a country approved under UK data protection law as providing adequate protection;
o there are appropriate safeguards or binding corporate rules in place pursuant to UK data protection law or we otherwise comply with all the obligations imposed under UK data protection law by providing an adequate level of protection to any personal data that is transferred;
o one of the derogations for specific situations in UK data protection law applies to the transfer.

‍9. Changes to these terms How we make changes to these terms
‍We'll let you know via email or another durable medium about any changes we're making to these terms (including the policies referred to in them), unless they're just cosmetic or editorial changes which don't alter their content or meaning.Normally we'll give you at least 15 days' notice before such changes take effect.  We won't give you advance notice if we have to make a change with immediate effect, whether for legal or regulatory reasons or to protect the Consultz platform, our consultants or our customers from fraud, malware, spam, data breaches or other cybersecurity risks.

‍What you can do if you're unhappy about changes we've made

‍If you're unhappy with any changes we tell you about, you can end this agreement. See How you can end this agreement.

‍10. Other important terms

Governing law and jurisdiction

‍This agreement and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with it or its subject matter or formation shall be governed by and construed in accordance with the law of England and Wales. Each of us irrevocably agrees that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with this agreement, its subject matter or formation.

‍Impact of events beyond our reasonable control

‍We will not be in breach of this agreement or otherwise liable for any failure or delay in performing our obligations if such delay or failure results from events, circumstances or causes beyond the our reasonable control.

‍We can transfer our rights and obligations under this agreement

‍We may at any time assign, mortgage, charge, subcontract, delegate, declare a trust over or deal in any other manner with (transfer) any or all of our rights and obligations under this agreement.

‍We are not bound by anything not included in this agreement

‍This agreement (comprising these terms and the policies referred to in them) constitutes the entire agreement in relation to our services.We each acknowledge that in entering into this agreement neither of us relies on any statement, representation, assurance or warranty (whether made innocently or negligently) that is not set out in this agreement. We each agree that neither of us shall have any claim for innocent or negligent misrepresentation or negligent misstatement based on any statement in this agreement.

‍Each of us can only waive our rights under this agreement in writing

‍A waiver of any right or remedy is only effective if given in writing and shall not be deemed a waiver of any subsequent right or remedy. A delay or failure to exercise, or the single or partial exercise of, any right or remedy shall not waive that or any other right or remedy, nor shall it prevent or restrict the further exercise of that or any other right or remedy.

‍Invalidity of part of this agreement doesn't affect the rest of it

‍If any provision or part-provision of this agreement is or becomes invalid, illegal or unenforceable, it shall be deemed deleted, but that shall not affect the validity and enforceability of the rest of this agreement.

‍No one else has rights under this agreement

‍This agreement does not give rise to any rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this agreement.Neither of us require the consent of any other person to rescind or vary this agreement.

‍11. Defined terms

‍Terms in bold have the following meanings:

‍appropriate technical and organisational measures has the meaning set out in UK data protection law;

‍controller has the meaning set out in UK data protection law;

‍UK data protection law means all applicable data protection and privacy legislation in force from time to time in the UK including the UK GDPR; the Data Protection Act 2018 (DPA 2018) (and regulations made thereunder); the Privacy and Electronic Communications Regulations 2003 (SI 2003/2426) as amended and all other legislation and regulatory requirements in force from time to time which apply to either you or us relating to the use of personal data (including, without limitation, the privacy of electronic communications); and the guidance and codes of practice issued by the Information Commissioner or other relevant regulatory authority and applicable to either you or us;

‍data subject has the meaning set out in UK data protection law;

‍liabilities means any liabilities, fines, costs, expenses, damages and losses (including but not limited to any direct, indirect or consequential losses, loss of profit, loss of reputation and any tax liabilities or third party charges such as brokers’ fees) and all interest, penalties and legal costs and all other reasonable professional costs and expenses;

‍our systems means our consultant interface and the other computer systems that support, operate and comprise the Consultz platform;

‍permitted recipients means each of our employees and the entities we each use in connection with this agreement;

‍personal data has the meaning set out in UK data protection law;

‍personal data breach has the meaning set out in UK data protection law;

‍process, processing and processed have the meaning set out in UK data protection law;

‍shared personal data is the following types of personal data we have collected in connection with this agreement: (a) your name, address and contact details; and (b) information about: (i) your orders for services, (ii) your queries and complaints in relation to orders and (iii) your searches and activity on the platform;

‍transfer means assign, novate, transfer, mortgage, charge, subcontract, delegate, declare a trust over or deal in any other manner with;

‍VAT means value added tax chargeable under the Value Added Tax Act 1994 of the United Kingdom and legislation supplemental thereto or replacing, modifying or consolidating it and including any similar, substitute, or replacement tax on, inter alia, the supply of services in the United Kingdom.