The seller is Effizia Strategic Partners Ltd, a private limited company registered in England and Wales under company number 16789944, with its registered office at 264 Banbury Road, Oxford, OX2 7DY ("Effizia", "we", "us" or "our").

For any queries relating to a purchase, including delivery issues, refund requests or general support, please contact us at effizia@outlook.com.

We publish and sell digital research reports and similar digital publications in PDF or other downloadable formats. Each Product is described on the relevant product page, including its scope, length, format and price.

Products are finished publications. They are sold as standalone digital goods. They are complete in themselves at the point of sale and are not modified, customised or updated for individual buyers.

The purchase of a Product does not include, and shall not be construed as including, any consulting, advisory, implementation or follow-on service by Effizia or any of its officers, employees or representatives. The purchase of a Product does not establish any client relationship, retainer, mandate or engagement between you and Effizia, and does not entitle you to any further services, meetings, calls, written analysis, introductions or correspondence beyond the delivery of the Product itself.

These Terms govern the sale of digital research reports only. Where Effizia provides consulting or advisory services to clients (which it does outside this platform), those services are provided under a separate written services agreement signed by both parties. Nothing on this website or in these Terms constitutes an offer by Effizia to provide such services, and no such agreement is formed by purchasing a Product.

By completing a purchase through our checkout process (operated via Lemon Squeezy or any other payment platform we appoint from time to time), you make an offer to purchase the Product on these Terms. Your order is accepted, and a contract formed, when we (or our payment processor on our behalf) confirm the order and make the Product available for download.

Prices are stated on the relevant product page in pounds sterling (GBP) unless otherwise indicated. Where applicable, VAT or other sales tax may be added at checkout in accordance with the rules of your jurisdiction.

Upon successful payment, the Product will be made available for immediate download via the link provided at checkout and, where applicable, via a confirmation email sent to the email address you provide.

It is your responsibility to provide a valid email address and to ensure that you are able to receive emails from our payment processor. We are not responsible for non-delivery caused by incorrect contact details, full inboxes, spam filters or similar issues attributable to you or to a third party email provider.

If you have not received your download link within a reasonable period after payment, please contact us at effizia@outlook.com and we will assist you in obtaining the Product.

Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, consumers based in the United Kingdom ordinarily have a 14-day right to cancel certain distance contracts. Regulation 37(1) provides that the right to cancel is lost in respect of a contract for the supply of digital content where performance has begun with the consumer's prior express consent and the consumer has acknowledged that the right to cancel will be lost.

By proceeding to download the Product (or by ticking the relevant acknowledgement at checkout), you give your express consent to the immediate supply of the digital content and acknowledge that you thereby lose your right to cancel under the Regulations.

Our refund policy, including the limited circumstances in which we will issue refunds as a matter of goodwill, is set out separately in our Refund Policy, which forms part of these Terms by reference.

Subject to your payment in full, we grant you a non-exclusive, non-transferable, non-sublicensable licence to access, download and read the Product for your own personal or internal business reference.

Except as permitted by applicable law, you may not:

• Reproduce, copy, distribute, publish, transmit or make available the Product, in whole or in part, to any third party;
• Resell, sublicense, lease, lend, rent or otherwise commercially exploit the Product;
• Modify, adapt, translate or create derivative works based on the Product;
• Remove or obscure any copyright, trade mark or other proprietary notice contained within the Product;
• Use the Product, or any extract from it, in any AI training data set or to fine-tune any machine learning model.

Limited internal sharing within the buyer's own organisation (for example, with colleagues working on the same investment review) is permitted on a reasonable basis. Sharing beyond the buyer's organisation requires our prior written consent.

All intellectual property rights in the Product, including copyright, database rights and any trade marks, belong to Effizia Strategic Partners Ltd or to the original author where expressly identified. Nothing in these Terms transfers any such rights to you.

The Products are research and commentary publications, prepared by Effizia for general reference. They are written for a professional audience but are not addressed to any particular reader's circumstances, portfolio, mandate or transaction. They are intended to inform the reader's own judgement and to provide a starting point for further enquiry.

The Products do not constitute investment advice, legal advice, tax advice, financial advice, regulatory advice, real estate advice or any other form of regulated or unregulated professional advice. They are not personal recommendations within the meaning of any applicable financial services regulation. They are not a substitute for taking specific advice from a qualified professional in relation to any particular transaction, investment decision, or set of circumstances.

Where Effizia provides bespoke advisory services to clients, those services are provided under a separate signed services agreement and are subject to that agreement's own terms, scope and limitations. The publications sold on this platform are not such services and should not be relied upon as a substitute for them.

Effizia is not authorised or regulated by the Financial Conduct Authority. The sale of research reports through this platform does not constitute the provision of regulated financial services, investment advice or any activity requiring authorisation under the Financial Services and Markets Act 2000.

While the Products are prepared in good faith from sources we believe to be reliable, we make no representation or warranty, express or implied, as to the accuracy, completeness or timeliness of the information they contain. Markets, regulations and circumstances change, and information that was accurate at the time of writing may cease to be accurate. Buyers should verify any factual matters of importance to their decisions independently.

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

Subject to the foregoing, to the maximum extent permitted by law:

• We will not be liable to you for any loss of profit, loss of business, loss of opportunity, loss of anticipated savings, loss of goodwill, loss of data, or for any indirect, special or consequential loss of any kind, however arising;
• Our total aggregate liability to you in connection with any Product, whether in contract, tort (including negligence), breach of statutory duty or otherwise, shall not exceed the amount you actually paid for the Product giving rise to the claim.

You acknowledge that the price of the Product reflects the allocation of risk set out in this clause.

You agree not to use the Product or our website for any unlawful purpose, in any way that infringes the rights of any third party, or in any way that would bring Effizia into disrepute. We reserve the right to refuse or cancel an order, and to terminate any licence granted under these Terms, where we have reasonable grounds to believe that you have breached this clause.

We may update these Terms from time to time. The version of the Terms in force at the time of your purchase will apply to that purchase. The most current version is available on our website.

These Terms, and any dispute or claim arising out of or in connection with them or their subject matter, are governed by and shall be construed in accordance with the laws of England and Wales.

The courts of England and Wales shall have exclusive jurisdiction to settle any such dispute or claim, save that nothing in this clause shall limit the right of a consumer to bring proceedings in the courts of their country of residence in accordance with applicable law.

Questions or concerns relating to these Terms or to any purchase should be sent to effizia@outlook.com.