Shack Media Limited is a company registered in the United Kingdom with registered office at 4th Floor, 399-401 Strand Strand, London, England, WC2R 0LT and company number 13750443. 

Please read these Terms carefully before purchasing or using our Services. Whenever you use our Services you agree to these terms. We reserve the right to suspend or terminate your use of our Services in the event that you do not adhere to these terms.

Our Services are intended for users of all ages. If you are under the age of 18, you must obtain consent from a parent or legal guardian to use our Services. By accessing or using the Services, you represent and warrant that you have the legal capacity to enter into these Terms.

2.2. Geographic Availability

While Shacademy is based in the United Kingdom, our Services are accessible worldwide. By accessing the Services from outside the UK, you are responsible for ensuring compliance with local laws and regulations applicable in your jurisdiction.

2.3. Compliance with Laws

You agree to use the Services in accordance with all applicable laws, regulations, and these Terms. You must not use the Services if such use is prohibited by law in your country of residence.

The Shacademy is an on-demand, video-based online course provided by Shack Media Limited. The Course is designed to educate users on achieving financial independence in the United Kingdom. Topics covered include understanding workplace pensions, setting up life insurance, and building investment portfolios.

3.2. Course Content

• Video Lessons: The Course consists of pre-recorded video lessons accessible through our online platform hosted by LearnWorlds.
• Supplementary Materials: May include worksheets, templates, and reading materials to enhance the learning experience.
• Updates: We may periodically update or modify the Course content to reflect changes in financial regulations or practices.

3.3. Access and Availability

3.4. Online Community Access

3.5. Voyant Software License

3.6. No Financial Advice

3.7. Course Modifications

3.8. Course Termination

4.2. Taxes

4.3. Payment Methods

4.4. One-Time Payment

4.5. Payment Confirmation

Renewal Fees:

• Voyant Software: After the initial one-year license period, renewal of the Voyant Software license is available for £120 per year.
• Community Access: Continued access to the online community after the initial one-year period may be subject to a fee of £10.99 per month. We reserve the right to implement or waive this fee and will notify users accordingly.
• Notification of Charges: Users will be notified via email regarding any upcoming charges or renewal options.

4.7. Failed or Declined Payments

4.8. Currency and Foreign Transaction Fees

4.9. Security and Data Protection

4.10. Changes to Payment Terms

5.2. Refund Request Process
To request a refund within the Refund Period, you may:

• Community Messaging: Send a direct message to a member of The Shacademy team within the online community platform.
• Email: Contact us by emailing hello@james-shack.co.uk with your refund request.
  
  

Please include the following information in your request:

• Your full name
• Email address associated with your account
• Date of purchase
• Reason for refund (optional)

5.3. Refund Processing

• Processing Time: Refunds will be processed within 14 business days from the date of approval.
• Method of Refund: Refunds will be issued to the original payment method used during the purchase.
• Notification: You will receive a confirmation email once your refund has been processed.

5.4. After the Refund Period

• No Refunds After 60 Days: Refund requests made after the 60-day Refund Period are not eligible for a refund.

5.5. License Revocation Upon Refund

• Access Termination: Upon processing a refund, your access to the Course, the online community, and any associated services, including the Voyant Software license, will be terminated immediately.
• Prohibited Access: You agree not to access or attempt to access the Course or any related services after a refund has been issued.

5.6. Non-Transferability

• No Transfer of Refund Rights: The right to a refund is personal to the original purchaser and is not transferable to any other person or entity.

5.7. Chargebacks and Payment Disputes

• Contact Us First: If you have any issues with your purchase, please contact us directly before initiating a chargeback or payment dispute.
• Unauthorised Chargebacks: Unauthorised chargebacks may result in termination of your account and access to all services.

5.8. Amendments to Refund Policy

• Right to Modify: We reserve the right to amend this Refund Policy at any time.
• Notification of Changes: Any changes will be communicated to existing users via email and will not affect the terms applicable at the time of your purchase.
• Grandfather Clause: Users who purchased the Course under a previous version of the Refund Policy will be subject to the terms in effect at the time of purchase.

7.2. Limited License to Users
Upon purchasing the Course, we grant you a personal, non-exclusive, non-transferable, revocable license to access and use the Course content for your own personal, non-commercial use, strictly in accordance with these Terms.

7.3. Restrictions on Use
You agree not to:

• Copy or Reproduce: Reproduce, duplicate, copy, sell, resell, distribute, or exploit any portion of the Course content without our express written permission.
• Share Access: Share your login credentials or allow others outside your immediate family (spouse, cohabiting partner, or children) to access the Course using your account.
• Modify or Create Derivative Works: Modify, adapt, translate, reverse engineer, decompile, or disassemble any part of the Course content or create any derivative works based on the Course.
• Commercial Use: Use the Course content for any commercial purposes or for the benefit of any third party.
• Unauthorised Distribution: Publish, upload, post, transmit, or distribute the Course content (or any part thereof) through any medium without our prior written consent.

7.4. Intellectual Property Violations

• Monitoring and Enforcement: We reserve the right to monitor your use of the Course to ensure compliance with these Terms. If we suspect any violation, we may take appropriate action, including terminating your access without notice or refund.
• License Revocation: Unauthorised sharing or reproduction of the Course content will result in the immediate revocation of your license to access the Course without any refund.
• Legal Action: We reserve the right to pursue legal action against individuals or entities that infringe upon our intellectual property rights.

7.5. User-Generated Content

• Ownership of User Content: Any content you post within the online community ("User Content") remains your property. However, by posting User Content, you grant us a worldwide, non-exclusive, royalty-free, perpetual license to use, reproduce, modify, adapt, publish, and display such content within the context of the community and for promotional purposes.
• Responsibility for User Content: You are solely responsible for ensuring that your User Content does not violate any intellectual property rights, privacy rights, or other legal rights of any third party.

 
7.6. Third-Party Intellectual Property

• Voyant Software: Access to the Voyant cashflow planning software is provided under a separate license agreement between you and Voyant. Use of the Voyant Software is subject to Voyant's Terms of Use, available at https://planwithvoyant.com/us/terms-of-use.
• Third-Party Content: Any third-party content included in the Course is the property of its respective owner and is used under license or with permission.

7.7. Trademarks

• Our Trademarks: "The Shacademy", “Shacademy” and "Shack Media Limited," and associated logos are trademarks or service marks owned by us.
• Prohibited Use: You are not permitted to use these trademarks without our prior written consent, except as necessary to identify the products or services.

7.8. Reporting Intellectual Property Violations
If you believe that any content available through the Course infringes upon any intellectual property rights you own or control, please notify us immediately at hello@james-shack.co.uk. Please provide a detailed description of the alleged infringement, including the specific content and location within the Course.

8.2. Code of Conduct
You agree to:

• Respect Others: Treat all members with respect and courtesy. Discriminatory, harassing, or abusive behaviour will not be tolerated.
• Stay On Topic: Keep discussions relevant to the subject matter of the Course and the specific topic of each forum or discussion thread.
• Protect Privacy: Do not share your own or others' personal or sensitive information. This includes financial details, contact information, and any other personally identifiable information.
• No Financial Advice: Refrain from offering personal financial advice to other members. The Community is for general discussions and informational purposes only.
• Intellectual Property: Do not share copyrighted materials without permission. This includes Course content and third-party resources.
• Compliance with Laws: Do not engage in or promote any activity that violates any applicable laws or regulations.

8.3. Prohibited Content
You agree not to post, upload, transmit, or otherwise make available any content that:

• Harassment or Hate Speech: Contains threats, harassment, hate speech, or advocates violence against individuals or groups.

• Illegal Activities: Encourages or depicts illegal activities, including but not limited to fraud, hacking, or money laundering.
• Spam and Advertising: Is unsolicited or unauthorised advertising, promotional materials, or any other form of solicitation (spam).
• Malware or Harmful Code: Contains viruses, Trojan horses, worms, or any other harmful or malicious code.
• Infringement: Infringes upon the intellectual property rights or privacy rights of others.

8.4. Monitoring and Moderation

• Right to Monitor: We reserve the right, but are not obligated, to monitor all Community interactions to ensure compliance with these Guidelines.
• Moderation Actions: We may edit, remove, or refuse to post any content that violates these Guidelines or our Terms of Service.
• Reporting Violations: If you observe any content or behaviour that violates these Guidelines, please raise it within the community or email hello@james-shack.co.uk.

8.5. Enforcement and Consequences

• Warnings: For minor violations, you may receive a warning outlining the issue and expected corrective action.
• Temporary Suspension: Repeated or serious violations may result in a temporary suspension of your Community access.
• Permanent Ban: Severe or continuous violations may result in a permanent ban from the Community without refund.
• Termination of Services: In extreme cases, we reserve the right to terminate your access to the Course and all associated services.

8.6. No Liability for User Content

• User Responsibility: You are solely responsible for any content you post within the Community.
• No Endorsement: We do not endorse, support, or guarantee the accuracy or reliability of any content posted by users.
• Limitation of Liability: We are not liable for any loss or damage resulting from interactions between users or reliance on user-generated content.

8.7. Privacy and Personal Information

• Discouraging Personal Sharing: We strongly discourage sharing personal or sensitive information within the Community.
• No Liability for Disclosure: If you choose to share personal information, you do so at your own risk. We are not responsible for any consequences arising from such disclosure.

8.8. Modification of Guidelines

• Right to Modify: We reserve the right to amend these Community Guidelines at any time.
• Notification of Changes: Any significant changes will be communicated to users via the Community platform or email.
• Continued Participation: Your continued use of the Community after any modifications indicates your acceptance of the new terms.

• Personal Responsibility: Any actions you take based on the information provided are at your own risk. You should consult a qualified financial advisor before making any financial decisions.
• No Fiduciary Relationship: Your use of the Course does not create a fiduciary relationship between you and us.

9.2. Past Performance and Investment Risks

• No Guarantee of Results: Past performance is not indicative of future results. We make no guarantees regarding the success you may achieve by applying concepts from the Course.
• Investment Risks: Different funds and asset classes carry varying levels of risk depending on geographical region and industry sector. You should make yourself aware of these specific risks prior to investing.
• Tax Considerations: Prevailing tax rates and reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice.

9.3. Accuracy of Information

• No Warranty: While we strive to provide accurate and up-to-date information, the content is provided "as is" without warranties of any kind, either express or implied.
• Third-Party Content: We do not take any responsibility for third-party websites and content we may link to from the Course. Accessing third-party content is at your own risk.

9.4. Limitation of Liability
To the fullest extent permitted by applicable law:
Exclusion of Certain Types of Damages: We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses.

• Maximum Liability: Our total liability arising out of or in connection with these Terms or from the use of or inability to use the Course shall not exceed the amount you have paid to us for access to the Course.
• User Interactions: We are not responsible for any interactions between users within the Community. You are solely responsible for your interactions with other users.

 
9.5. Personal Information in the Community

• User Responsibility: If you choose to share personal or sensitive information within the Community, you do so at your own risk.
• No Liability for Disclosure: We are not liable for any consequences arising from the disclosure of personal information by you or other users in the Community.

9.6. Indemnification
You agree to indemnify, defend, and hold harmless Shack Media Limited and its directors, officers, employees, and agents from and against any and all claims, liabilities, damages, losses, or expenses, including reasonable legal fees, arising out of or in any way connected with:

• Your access to or use of the Course and Services;
• Your violation of these Terms;
• Your violation of any third-party rights, including intellectual property or privacy rights.

9.7. No Warranty
"As Is" Basis: The Course and all associated services are provided on an "as is" and "as available" basis without any warranties of any kind.

• No Guarantee of Availability: We do not warrant that the Course will be uninterrupted, secure, or error-free, or that any defects will be corrected.

9.8. Governing Law and Jurisdiction

• Legal Limitations: Some jurisdictions do not allow the exclusion of certain warranties or limitations on liability. In such cases, our liability is limited to the maximum extent permitted by law.
• Governing Law: This section should be read in conjunction with Section 15 (Governing Law and Dispute Resolution).

13.2. Notification of Changes

• Advance Notice: In the event of any significant changes to the Terms, we will provide you with at least 30 days' notice prior to the changes taking effect.
• Methods of Notification: Notification may be given by:
• Email: Sent to the email address associated with your account.
• Course Platform: Posted prominently within the Course platform.
• Website Announcement: Posted on our official website.

13.3. User Responsibility

• Review of Changes: It is your responsibility to review any changes to the Terms. We encourage you to periodically check for updates.
• Accuracy of Contact Information: You are responsible for ensuring that your contact information, including your email address, is current and accurate to receive notifications.

13.4. Acceptance of Modified Terms

• Implied Consent: Your continued access to or use of The Shacademy and associated services after the effective date of the revised Terms constitutes your acceptance of the changes.
• Opting Out: If you do not agree with the modified Terms, you must discontinue use of the Course and associated services before the changes take effect.
• Termination Rights: You have the right to terminate your agreement with us as outlined in Section 14 (Termination of Service) if you do not accept the modified Terms.

13.5. Binding Agreement

• Entire Agreement: The modified Terms supersede all prior agreements, understandings, or representations regarding the Course and services.
• Severability: If any provision of the modified Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

13.6. Exceptions to Modification Rights

• Material Adverse Changes: For changes that materially affect your rights or obligations, we will obtain your explicit consent before implementing such changes.
• Legal Compliance: Modifications will not be made in a manner that violates applicable laws or regulations.

13.7. Governing Language

• Language of Terms: These Terms are provided in English. In the event of any inconsistency between the English version and any translation, the English version shall prevail.

15.2. Initial Dispute Resolution
In the event of any controversy or claim arising out of or relating to these Terms or the breach thereof ("Dispute"), you agree to first attempt to resolve the Dispute informally by contacting Shack Media Limited at hello@james-shack.co.uk. Both parties agree to negotiate in good faith to resolve the Dispute within 30 days from the date the notice of Dispute is received.

15.3. Arbitration
If the Dispute is not resolved through informal negotiation within 30 days, the Dispute shall be finally settled by binding arbitration administered by the London Court of International Arbitration (LCIA) under the LCIA Rules, which are deemed to be incorporated by reference into this clause.

• Arbitration Proceedings: The arbitration shall be conducted in English.
• Number of Arbitrators: The tribunal shall consist of a sole arbitrator appointed in accordance with the LCIA Rules.
• Place of Arbitration: The seat or legal place of arbitration shall be London, United Kingdom.
• Confidentiality: The arbitration proceedings, including all documents and information exchanged during the arbitration, shall be confidential and shall not be disclosed to any third party without the express written consent of both parties, unless required by law.

15.4. Exceptions to Arbitration
Notwithstanding the foregoing, either party retains the right to seek injunctive or other equitable relief in any court of competent jurisdiction to prevent or restrain infringement of intellectual property rights or unauthorized use of the Services.

15.5. Class Action Waiver
All claims and disputes within the scope of this arbitration agreement must be arbitrated on an individual basis and not on a class, collective, or representative basis. You expressly waive any right to bring or participate in a class, collective, or representative action against Shack Media Limited.

15.6. Costs and Fees
Each party shall bear its own costs and expenses arising from the arbitration, and shall share equally in the fees and expenses of the arbitrator and the LCIA, unless the arbitrator determines that the fees and expenses shall be allocated differently.

15.7. Judgment on Award
The arbitrator's award shall be final and binding on both parties, and judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.

15.8. Court Proceedings
If, for any reason, a Dispute proceeds in court rather than arbitration, such Dispute shall be subject to the exclusive jurisdiction of the courts of England and Wales. Both parties consent to the jurisdiction and venue of such courts and waive any objections to the exercise of jurisdiction over them by such courts.

• Newsletter Subscription: Users have the option to opt-in to the James Shack newsletter during the registration process or at any time thereafter.
• Promotional Offers: We may send you special offers, surveys, and other promotional materials that may be of interest to you.

17.2. Opting In and Out

• Opt-In Mechanism: You will not receive marketing communications from us unless you have expressly opted in.
• Opt-Out Procedure: You may opt out of receiving marketing communications at any time by:
• Unsubscribe Link: Clicking the "unsubscribe" link provided in any marketing email you receive from us.
• Account Settings: Updating your communication preferences in your account settings within the Course platform.
• Direct Request: Contacting us at hello@james-shack.co.uk to request removal from our marketing lists.
• Unsubscribe Link: You can use the following link to unsubscribe: Unsubscribe

17.3. Transactional Communications

• Service-Related Messages: Regardless of your marketing preferences, we may still send you transactional or administrative communications related to your account, the Course, or your use of the Services. These may include confirmations, invoices, technical notices, updates, and security alerts.

17.4. Third-Party Communications

• No Sharing Without Consent: We will not share your personal information with third parties for their marketing purposes without your explicit consent.
• Third-Party Service Providers: We may use third-party service providers to send communications on our behalf, but they are prohibited from using your information for any other purpose.

17.5. Data Protection and Privacy

• Compliance with Privacy Policy: All marketing communications are sent in accordance with our Privacy Policy and applicable data protection laws, including the General Data Protection Regulation (GDPR).
• Data Security: We take appropriate measures to ensure that your personal information is secure and processed lawfully.

17.6. Children's Privacy

• Underage Users: Our Services are not intended for users under the age of 16. We do not knowingly collect or use personal information from children for marketing purposes.

19.2. No Oral Modifications
No amendment or modification of these Terms will be binding unless in writing and signed by an authorized representative of Shack Media Limited. Oral statements or representations will not modify these Terms.

19.3. Reliance on Terms
You acknowledge that in entering into these Terms, you have not relied upon any statements or representations other than those explicitly set forth in these Terms and the documents referred to herein.
19.4. No Third-Party Beneficiaries
Except as expressly provided in these Terms, no person or entity who is not a party to these Terms shall have any right to enforce any term of these Terms.

19.5. Severability
If any provision of these Terms is held to be invalid or unenforceable under applicable law, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, and the remaining provisions shall remain in full force and effect.

21.4. Written Waivers
Any waiver of any provision of these Terms will be effective only if it is in writing and signed by an authorised representative of Shack Media Limited.