Terms and Conditions – Supplying Products and Services To You


  1. Purpose

These are the terms and conditions on which we supply products or services to you, whether they are digital content or physical goods and services.

  1. Agreement

You will agree to these when you order. Please read these terms carefully before you submit your order 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. If you think that there is a mistake in these terms, please contact us to discuss.

  1. Statutory Rights

These do not contradict or affect your statutory rights which apply.

  1. Order Process – Our Contract with You

Our website will guide you through the steps you need to take to place an order with us. Before you place your order, you will see a description of the products in your shopping basket. Our order process allows you to check and amend any errors in your shopping basket before submitting your order to us. Please take the time to read and check your order at each stage of the order process.

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

If we are unable to accept your order, we will tell you. This might be because the product is out of stock, or because of technical issues we could not reasonably plan for, or because of an error.

If your order is for digital content and you have already paid for it, we will refund you reasonable timescale.

If your Order is for Services we will require payment in advance for those Services, as agreed.

  1. License

When you buy digital content or services from us, what you are allowed to do with it is limited.  You are licensed to use this for your own use. You may not make copies of it or print it other than for your personal use. You may not distribute it to any other person, modify it, convert it to a different format or include it in another work without the prior consent of Business Navigators Ltd, unless the law allows you to do so.  We may apply technical restrictions to digital content to enforce the owner’s or creator’s rights.

  1. Products, Goods and Services

6.1 The samples and images of the packaging and products on our website are for illustrative purposes only. Although we try to display the colours accurately, we cannot guarantee that your device’s display of the colours accurately reflects the colour of the products. Your product may vary slightly from those samples and images. Some digital content is subject to compatibility restrictions and updates, particularly eBooks.

6.2 We will make the digital content available for download by you as soon as we accept your order. We will also provide links to re-download the digital content in your order history. However, if the digital content has rights problems or it is withdrawn from sale it may not be possible for you to re-download it later, so it is important that you keep the copy you download safe. The product will be your responsibility from the time you download

6.3 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, goods, or services you have paid for but not received.

6,4. We may have to suspend the supply of a product to make minor technical or content changes, to comply with legal or regulatory requirements to make changes (see Clause 8)

6.5 Our Products, Goods and Services provide Guidance only and we shall limit our liability (see Clause 10).

  1. Price, Payment and Refunds

The price of the product (and the VAT rate) 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 product advised to you is correct.

VAT will be set at the applicable rate when you pay for the order.

It is always possible that some of the products we sell may be incorrectly priced. 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.

We accept payment by Visa and Mastercard debit and credit cards registered to a valid address, and by Stripe ®.  When you must pay depends on the product you are buying:

7.1 For digital content, you must pay for the products before you download them.

7.2 For Goods and Services, you will pay in advance on a reasonable mutually agreed date before the goods or services are supplied.

7.3 If you owe us money for goods and services reasonable provided by us these monies still need to be paid after termination.

7.4 If you have any agreed refunds, we should endeavour to refund these monies in reasonable timescales via the same method as payment.

  1. Changes and Variations

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

8.2 We may make changes to these terms from time to time, for example, to reflect changes in the law or to accommodate changes to our products, goods, and services.  Each time you order products, goods, or services or from us, the version of these terms then in force will apply to that order. 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.

8.3 You may not vary this contract in any way without prior agreement with us.

  1. Termination of the Contract

9.1 You do not have the right to change your mind and terminate the contract once you have downloaded the digital content.

9.2 For digital content, you may have the right to terminate if what you bought is not as described or if we have not provided the download.

9.3 If you do not have any other rights to end the contract (see clause 9.1), you may still contact us immediately in writing. We may refund any sums paid by you we may deduct from that refund reasonable compensation for the net costs we will incur because of your ending the contract.

9.4 For Goods and Services provided by us you have the right to terminate the contract if we jointly agree that we have not provided the services we agreed to provide. You must contact us in writing. We may refund any sums paid by you and may deduct from that refund reasonable compensation for the net costs we will incur because of your ending the contract.

9.5 For Goods and Services provided by us, we have the right to terminate the contract if you do not pay us the agreed payment or if we cannot reasonably deliver the services we agreed to provide. You must contact you in writing. We may refund any sums paid by you and may deduct from that refund reasonable compensation for the net costs we have incurred in ending the contract.

9.6 For Goods and Services, we may be responsible to refund you fees paid for our failing to use reasonable care and skill. For example, if you discussed specific requirements with us; we agreed these during the sales process and we failed to provide. Any refunds will be mutually agreed and will be limited to no more than the fees paid for the agreed Services (see Clause 10)

9.7 You may not terminate any or part of this contract without reasonable cause and you must notify us in writing.

  1. Liability and Limitations

We only supply the products, goods, and services for guidance only. We will have no liability whatsoever to you or others for any

10.1 loss of profit, loss of business, business interruption, or loss of business opportunity now or in the future.

10.2 for any Consequential Loss you or others may incur now or in the future.

10.3 for any Personal Loss now or in the future.

10.4 for loss of data or software now or in the future.

10.5 for force majeure or acts beyond our control

10.6 to Third Parties

11.Transfer and Assignment

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

11.2 You may only transfer your rights under these terms to another person if we agree to it in writing. We may not agree if you owe us money if you have otherwise broken the contract between us if it would be illegal or if it would put us in breach of our obligations to others.

11.3 This contract is between you and us. No other person will have any rights to enforce any of its terms. Nobody else has any rights under this Contract.

  1. Entire Agreement

This represents the Entire Agreement for this Contract.

  1. Partnerships and Joint Venture

This is a Contract for the provision of agreed Products, Goods or Services which provide guidance, this will not in any way be construed as constituting any Partnership or Joint Venture between contracting parties.

  1. Complaints

If you have a problem with the products, goods, or services, please contact us by email at roy.leach@busines-navigators.co.uk, as soon as possible and we will be reasonable and aim to mutually resolve your problems.

If we cannot mutually resolve your complaint you may wish to seek third-party arbitration to seek to mutually resolve your complaint. For example, online resolution to the European Commission Online Dispute Resolution Platform, which you can find at http://ec.europa.eu/consumers/odr

  1. Legality of Terms

In the event of a court finding 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.

  1. Enforcement

Even if we delay in enforcing this contract, we can still enforce it later. 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 later. 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 later.

  1. Personal information & Privacy

Our Privacy Policy describes what we will do with your personal information.  Please take the time to read it carefully.  You will be asked to agree to our Privacy Policy when you create an account with us or when you place an order with us.


18.Governing law.

These terms are governed by English law, and you can only bring legal proceedings in respect of the products, goods, or services in the English Courts.

  1. Contact Information

Business Navigators Ltd a company registered in England and Wales. Our company registration number is 4421957 and our registered office is at The Bungalow, Parkhouse Lane, Keynsham. BS31 2SQ. Our registered VAT number is GB 795 2016 20

You can contact us by telephoning 07831 795551 or by writing to us at roy.leach@business-navigators.co.uk

If we must 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.

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

These terms were last updated in October 2021


Terms and Conditions – Website Usage

Welcome to Business Navigators!

These terms and conditions outline the rules and regulations for the use of Business Navigators Ltd.’s Website, located at www.business-navigators.co.uk.

By accessing this website we assume you accept these terms and conditions. Do not continue to use Business Navigators if you do not agree to take all of the terms and conditions stated on this page.

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and all Agreements: “Client”, “You” and “Your” refers to you, the person log on this website and compliant to the Company’s terms and conditions. “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers to our Company. “Party”, “Parties”, or “Us”, refers to both the Client and ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner for the express purpose of meeting the Client’s needs in respect of provision of the Company’s stated services, in accordance with and subject to, prevailing law of Netherlands. Any use of the above terminology or other words in the singular, plural, capitalisation and/or he/she or they, are taken as interchangeable and therefore as referring to same.


We employ the use of cookies. By accessing Business Navigators, you agreed to use cookies in agreement with the Business Navigators Ltd.’s Privacy Policy.

Most interactive websites use cookies to let us retrieve the user’s details for each visit. Cookies are used by our website to enable the functionality of certain areas to make it easier for people visiting our website. Some of our affiliate/advertising partners may also use cookies.


Unless otherwise stated, Business Navigators Ltd. and/or its licensors own the intellectual property rights for all material on Business Navigators. All intellectual property rights are reserved. You may access this from Business Navigators for your own personal use subjected to restrictions set in these terms and conditions.

You must not:

  • Republish material from Business Navigators
  • Sell, rent or sub-license material from Business Navigators
  • Reproduce, duplicate or copy material from Business Navigators
  • Redistribute content from Business Navigators

This Agreement shall begin on the date hereof.

Parts of this website offer an opportunity for users to post and exchange opinions and information in certain areas of the website. Business Navigators Ltd. does not filter, edit, publish or review Comments prior to their presence on the website. Comments do not reflect the views and opinions of Business Navigators Ltd.,its agents and/or affiliates. Comments reflect the views and opinions of the person who post their views and opinions. To the extent permitted by applicable laws, Business Navigators Ltd. shall not be liable for the Comments or for any liability, damages or expenses caused and/or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website.

Business Navigators Ltd. reserves the right to monitor all Comments and to remove any Comments which can be considered inappropriate, offensive or causes breach of these Terms and Conditions.

You warrant and represent that:

  • You are entitled to post the Comments on our website and have all necessary licenses and consents to do so;
  • The Comments do not invade any intellectual property right, including without limitation copyright, patent or trademark of any third party;
  • The Comments do not contain any defamatory, libelous, offensive, indecent or otherwise unlawful material which is an invasion of privacy
  • The Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.

You hereby grant Business Navigators Ltd. a non-exclusive license to use, reproduce, edit and authorise others to use, reproduce and edit any of your Comments in any and all forms, formats or media.

Hyperlinking to our Content

The following organisations may link to our Website without prior written approval:

  • Government agencies;
  • Search engines;
  • News organisations;
  • Online directory distributors may link to our Website in the same manner as they hyperlink to the Websites of other listed businesses; and
  • System wide Accredited Businesses except soliciting non-profit organisations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.

These organisations may link to our home page, to publications or to other Website information so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products and/or services; and (c) fits within the context of the linking party’s site.

We may consider and approve other link requests from the following types of organisations:

  • commonly-known consumer and/or business information sources;
  • dot.com community sites;
  • associations or other groups representing charities;
  • online directory distributors;
  • internet portals;
  • accounting, law and consulting firms; and
  • educational institutions and trade associations.

We will approve link requests from these organizations if we decide that: (a) the link would not make us look unfavorably to ourselves or to our accredited businesses; (b) the organization does not have any negative records with us; (c) the benefit to us from the visibility of the hyperlink compensates the absence of Business Navigators Ltd.; and (d) the link is in the context of general resource information.

These organizations may link to our home page so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site.

If you are one of the organizations listed in paragraph 2 above and are interested in linking to our website, you must inform us by sending an e-mail to Business Navigators Ltd.. Please include your name, your organization name, contact information as well as the URL of your site, a list of any URLs from which you intend to link to our Website, and a list of the URLs on our site to which you would like to link. Wait 2-3 weeks for a response.

Approved organizations may hyperlink to our Website as follows:

  • By use of our corporate name; or
  • By use of the uniform resource locator being linked to; or
  • By use of any other description of our Website being linked to that makes sense within the context and format of content on the linking party’s site.

No use of Business Navigators Ltd.’s logo or other artwork will be allowed for linking absent a trademark license agreement.


Without prior approval and written permission, you may not create frames around our Webpages that alter in any way the visual presentation or appearance of our Website.

Content Liability

We shall not be held responsible for any content that appears on your Website. You agree to protect and defend us against all claims that is rising on your Website. No link(s) should appear on any Website that may be interpreted as libelous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

Your Privacy

Please read Privacy Policy

Reservation of Rights

We reserve the right to request that you remove all links or any particular link to our Website. You approve to immediately remove all links to our Website upon request. We also reserve the right to amend these terms and conditions and it’s linking policy at any time. By continuously linking to our Website, you agree to be bound to and follow these linking terms and conditions.

Removal of links from our website

If you find any link on our Website that is offensive for any reason, you are free to contact and inform us any moment. We will consider requests to remove links but we are not obligated to or so or to respond to you directly.

We do not ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we promise to ensure that the website remains available or that the material on the website is kept up to date.


To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website. Nothing in this disclaimer will:

  • limit or exclude our or your liability for death or personal injury;
  • limit or exclude our or your liability for fraud or fraudulent misrepresentation;
  • limit any of our or your liabilities in any way that is not permitted under applicable law; or
  • exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort and for breach of statutory duty.

We will not be liable for any loss or damage of any nature.


The Bungalow, Parkhouse Lane, Keynsham, Bristol BS31 2SG


Copyright by Business Navigators Ltd.  |   Company Number: 4421957  |  VAT Number: 795 2016 20

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