Terms of Use

Welcome to ProsperaCore. These Terms of Use ("Terms") govern your access to and use of our website and services provided by Knight eCommerce & Consultancy Ltd, trading as ProsperaCore ("we", "us", "our", or "ProsperaCore").

By accessing or using our website and services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our website or services.

1. Company Information

2. Acceptance of Terms

By using our website and services, you confirm that:

• You are at least 18 years old or have parental/guardian consent
• You have the legal capacity to enter into binding contracts
• You will comply with all applicable laws and regulations
• You have read, understood, and agree to be bound by these Terms
• You have read and agree to our Privacy Policy

3. Description of Services

ProsperaCore provides digital consultancy and training services, including but not limited to:

• AI Coaching & Confidence Training: Personalised coaching and training sessions
• Business Automation Setup: Custom AI automation solutions
• Digital Safety Audits: Security assessments and recommendations
• IT Skills Training: Professional team training programmes
• Senior Cybersecurity Awareness: Specialised training for older adults
• Custom AI Tool Development: Bespoke AI solutions

4. Use of Website

4.1 Permitted Use

You may use our website for lawful purposes only. You agree to:

• Use the website in accordance with these Terms
• Provide accurate and complete information when requested
• Maintain the confidentiality of any account credentials
• Respect the intellectual property rights of ProsperaCore and others

4.2 Prohibited Activities

You must not:

• Use the website for any illegal or unauthorised purpose
• Transmit any harmful code, viruses, or malicious software
• Attempt to gain unauthorised access to our systems or networks
• Interfere with or disrupt the website or servers
• Collect or harvest data from the website using automated means
• Impersonate any person or entity or misrepresent your affiliation
• Engage in any activity that could damage our reputation or business
• Use the website to transmit spam, advertising, or promotional materials

5. Intellectual Property Rights

5.1 Our Content

All content on this website, including but not limited to text, graphics, logos, images, software, and compilations, is the property of Knight eCommerce & Consultancy Ltd or its content suppliers and is protected by UK and international copyright, trademark, and other intellectual property laws. The ProsperaCore name and logo are trademarks of Knight eCommerce & Consultancy Ltd.

5.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our website for personal, non-commercial purposes. You may not reproduce, distribute, modify, create derivative works, publicly display, or exploit any content without our express written permission.

5.3 User Content

Any content, information, or materials you submit through our contact forms or services remains your property. However, by submitting content, you grant us a worldwide, royalty-free, non-exclusive license to use, reproduce, and process such content solely for the purpose of providing our services to you.

6. Fundraising & Charity Partnerships

6.1 Commercial Participator Status

ProsperaCore works in partnership with various UK Registered Charities as a 'Commercial Participator' under the Charities Act 1992.

6.2 Solicitation Statement

For specific campaigns, a Solicitation Statement will be provided at the point of sale (e.g., on the Bumpsale checkout), detailing the exact amount or percentage of the purchase price that will be donated to the designated charity.

6.3 Payment Processing

Unless otherwise stated, payments are processed directly to the charity via Bumpsale/Stripe. Your contract for the digital content remains with ProsperaCore, while your donation is managed by the charity.

7. Service Agreements

Engagement of our consultancy and training services is subject to:

• Written agreement or signed contract specifying scope, deliverables, and fees
• Payment terms as outlined in individual service agreements
• Mutual obligations and responsibilities defined in each engagement
• Specific terms that may supplement or supersede these general Terms

8. Payment and Fees

For services requiring payment:

• All fees are quoted in British Pounds Sterling (GBP) unless otherwise stated
• Prices are exclusive of VAT unless stated otherwise
• Payment terms will be specified in individual service agreements
• Late payment may result in suspension of services and interest charges
• Refund policies will be outlined in specific service agreements
• Cancellations made more than 48 hours before a scheduled session will receive a full refund; cancellations within 48 hours are non-refundable

9. Disclaimers and Limitations of Liability

9.1 Website Availability

We strive to ensure our website is available at all times, but we do not guarantee uninterrupted access. The website is provided "as is" and "as available" without any warranties of any kind, either express or implied. We may suspend, withdraw, or restrict access to the website at any time without notice.

9.2 Information Accuracy

While we endeavour to provide accurate and up-to-date information, we make no representations or warranties regarding the accuracy, completeness, or reliability of any content on the website. You should not rely solely on website content for critical decisions without independent verification.

9.3 Limitation of Liability

To the fullest extent permitted by law, Knight eCommerce & Consultancy Ltd shall not be liable for:

• Any indirect, incidental, special, or consequential damages
• Loss of profits, revenue, data, or business opportunities
• Damages arising from use or inability to use the website
• Damages resulting from reliance on website content
• Damages caused by third-party services or links

9.4 Maximum Liability

Our total liability to you for any claims arising from these Terms or use of our services shall not exceed the fees paid by you for the specific service giving rise to the claim in the 12 months preceding the claim.

Nothing in these Terms excludes or limits our liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded by law.

9.5 Online Safety

In accordance with the Online Safety Act, we provide a clear reporting mechanism for any content you deem inappropriate or harmful. Please use our contact form to flag any concerns, which will be reviewed within 48 hours.

10. Indemnification

You agree to indemnify, defend, and hold harmless Knight eCommerce & Consultancy Ltd, its directors, officers, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the website, violation of these Terms, or infringement of any third-party rights.

11. Third-Party Links and Services

Our website may contain links to third-party websites or services (such as Gumroad, where our PDF courses and digital products are sold and delivered). These links are provided for your convenience only. We do not endorse, control, or assume responsibility for:

• The content, accuracy, or availability of third-party websites
• The privacy practices of third-party services
• Any transactions you conduct with third parties
• Any damages or losses arising from use of third-party services

12. Data Protection and Privacy

Your use of our website and services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal data in accordance with UK GDPR and the Data Protection Act 2018. By using our services, you consent to our data practices as described in the Privacy Policy.

13. Termination

13.1 By Us

We reserve the right to suspend or terminate your access to our website and services at any time, with or without notice, if we believe you have violated these Terms or engaged in conduct that could harm our business or reputation.

13.2 By You

You may cease using our website and services at any time. For service agreements with ongoing commitments, termination terms will be specified in the individual agreement.

13.3 Effect of Termination

Upon termination, your right to use the website ceases immediately. Provisions regarding intellectual property, disclaimers, limitations of liability, indemnification, and dispute resolution shall survive termination.

14. Dispute Resolution

14.1 Informal Resolution

If you have any concerns or disputes regarding these Terms or our services, we encourage you to first contact us through our contact form to attempt to resolve the matter informally.

14.2 Mediation

If informal resolution fails, both parties agree to attempt to resolve the dispute through mediation before pursuing litigation. The parties will jointly select a mediator and share the costs equally.

14.3 Arbitration

For commercial disputes exceeding £10,000, the parties may agree to binding arbitration under the rules of the Chartered Institute of Arbitrators. The arbitration shall take place in England, and the language shall be English.

14.4 Charitable Refund Rights

In accordance with the Charities Act 1992, if you make a payment of £100 or more in response to a charitable solicitation, you have a statutory right to a refund/cancellation within 7 days by providing written notice to us.

15. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these Terms or use of our services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

If you are a consumer resident in Scotland or Northern Ireland, you may bring proceedings in your local courts, and these Terms will be governed by the law of that jurisdiction.

16. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the website with an updated "Last Updated" date. Material changes will be highlighted at the top of this page for 30 days.

Your continued use of the website after changes are posted constitutes acceptance of the modified Terms. If you do not agree with the changes, you must discontinue use of the website and services.

17. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable. If modification is not possible, the provision shall be severed, and the remaining provisions shall continue in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy and any written service agreements, constitute the entire agreement between you and Knight eCommerce & Consultancy Ltd regarding use of the website and services, superseding any prior agreements or understandings.

19. Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorised representative of Knight eCommerce & Consultancy Ltd.

20. Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms or any rights hereunder without restriction, including in connection with a merger, acquisition, or sale of assets.

21. Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, or shortages of transportation, fuel, energy, labour, or materials.

22. Contact Information

If you have any questions, concerns, or requests regarding these Terms, please contact us: