Terms and Conditions

This agreement applies as between you, the User of this Website and DIY Tax Flix, the owner(s) of this Website. Your agreement to comply with and be bound by Clauses 1, 2, 4 – 11 and 15 – 25 of these Terms and Conditions is deemed to occur upon your first use of the Website. Clauses 3 and 12 – 14 apply only to the sale of Services. If you do not agree to be bound by these Terms and Conditions, you should stop using the Website immediately.

No part of this Website is intended to constitute a contractual offer capable of acceptance. Your order constitutes a contractual offer and Our acceptance of that offer is deemed to occur upon Our sending a confirmation email to you indicating that your order has been accepted.

Terms of Sale & Legal Disclaimer

These Terms of Sale ("Terms") govern all purchases, subscriptions and transactions made through the DIYTAXFlix platform, website and any associated applications (collectively, the "Service"). By placing an order or subscribing to any DIYTAXFlix product or service, you confirm that you have read, understood and agree to be bound by these Terms.
DIYTAXFlix is operated by [INSERT COMPANY LEGAL NAME] (registered in England and Wales, company number [INSERT]). Registered office: [INSERT REGISTERED ADDRESS]. VAT registration number: [INSERT IF APPLICABLE].
1.1 General Disclaimer

The information, content, courses, tools and resources provided by DIYTAXFlix are of a general educational nature only. They do not constitute specific tax, legal, financial or accounting advice tailored to your individual circumstances. You are strongly recommended to seek specific professional advice from a qualified accountant or tax adviser before taking any action based on content accessed through DIYTAXFlix.
Whilst we take reasonable care to ensure accuracy, we do not warrant that our content is error-free or reflects the most current legislative position. Tax laws change frequently; all content reflects the law as at the date of publication. We and our associates disclaim all warranties to the fullest extent permitted by law.

1.1 General Disclaimer

The information, content, courses, tools and resources provided by DIYTAXFlix are of a general educational nature only. They do not constitute specific tax, legal, financial or accounting advice tailored to your individual circumstances. You are strongly recommended to seek specific professional advice from a qualified accountant or tax adviser before taking any action based on content accessed through DIYTAXFlix.
Whilst we take reasonable care to ensure accuracy, we do not warrant that our content is error-free or reflects the most current legislative position. Tax laws change frequently; all content reflects the law as at the date of publication. We and our associates disclaim all warranties to the fullest extent permitted by law.

1.2 Third Party Sites

This website may contain links to websites operated by third parties. Such links are provided for your convenience only. We have no control over their individual content and make no warranties as to their accuracy, completeness or quality. The provision of links does not imply any endorsement of those sites or their operators.

1.3 Intellectual Property

  • All content available through DIYTAXFlix, including but not limited to video content, written guides, downloadable materials, course structures, software, logos, trademarks and page layouts, is the intellectual property of DIYTAXFlix or its content licensors.
  • Your purchase or subscription grants you a personal, non-transferable, non-exclusive licence to access and use the content for your own personal educational purposes only. You may not:
  • • Reproduce, copy, redistribute or republish any content for commercial purposes
  • • Share, resell or sublicense access to the platform or any content
  • • Download or record video content except where an explicit download function is provided
  • • Use any content in a way that infringes our intellectual property rights or those of third parties

1.4 Products and Subscriptions

  • DIYTAXFlix offers the following types of products and services:
  • • Digital content (video courses, guides, downloadable resources)
  • Subscription plans (monthly or annual access to platform content)
  • • One-off digital purchases
  • • Any other services as described on the website at the time of purchase
  • All products and services are digital in nature. By purchasing or subscribing, you acknowledge that the product is delivered digitally and, where applicable, access begins immediately upon payment confirmation.

1.5 Pricing and Payment

All prices displayed on DIYTAXFlix are in pounds sterling (GBP) and include VAT where applicable. The price payable will be confirmed to you at checkout before you finalise your purchase.
We accept online payments via [INSERT PAYMENT PROVIDERS, e.g. Stripe, PayPal, credit/debit card]. All transactions are processed securely through our third-party payment processor(s). DIYTAXFlix does not store your full payment card details on our servers.
Payment is taken at the point of purchase. For subscription services, recurring payments are taken automatically on your billing date until you cancel. It is your responsibility to ensure your payment details are kept up to date.
We reserve the right to change our prices at any time. Price changes will be communicated to existing subscribers with reasonable notice prior to taking effect.

⚠ Note for DIYTAXFlix: As DIYTAXFlix accepts online payments, this entire section is new and essential. SAUKTAX had no payment terms. You must clearly name your payment processors and confirm card data is handled by them and not stored by you.

1.6 Right to Cancel and Refund Policy

As a consumer purchasing digital products, please note the following:
• For digital content where access is granted immediately upon purchase, by proceeding you expressly consent to the immediate supply of digital content and acknowledge that you lose your statutory right to cancel under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 once access has been provided.
• For subscriptions, you may cancel at any time. Cancellation takes effect at the end of your current billing period. You will retain access until that date. No refund is provided for the unused portion of a billing period unless required by law.
• If you believe there is a fault with a product or service, please contact us at [INSERT EMAIL] within 30 days of purchase. We will review each case on its merits in accordance with the Consumer Rights Act 2015.

⚠ Note for DIYTAXFlix: This section is required for UK consumer law compliance. The Consumer Contracts Regulations 2013 mandate specific disclosures for digital content. Please seek legal advice to confirm the wording is appropriate for your specific business model before publishing.

1.7 Subscription Auto-Renewal

Where you purchase a recurring subscription, it will automatically renew at the end of each billing period at the then-current price, unless you cancel before the renewal date. We will send you a reminder [INSERT e.g. 7 days] before renewal. You can cancel at any time through your account settings or by contacting us.

1.8 Free Trials

Where a free trial is offered, access will be provided for the trial period at no charge. Unless you cancel before the trial ends, your subscription will automatically convert to a paid plan and payment will be taken from your stored payment details. The subscription price payable at conversion will be made clear to you before the trial commences.

1.9 Limitation of Liability

To the fullest extent permitted by applicable law, DIYTAXFlix shall not be liable for any indirect, incidental, special, consequential or punitive losses arising from your use of, or inability to use, the Service or any content provided through it, including any loss resulting from reliance on information on the platform.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 English law.

1.10 Governing Law

These Terms and any dispute or claim arising from them shall be governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

1.11 Changes to These Terms

We reserve the right to update these Terms from time to time. Any changes will be posted on our website with an updated effective date. Continued use of the Service following any changes constitutes acceptance of the revised Terms. We will provide reasonable notice of material changes.

1.12 Contact Details

For any queries relating to these Terms or your purchase, please contact us at:
• Email: [INSERT SUPPORT EMAIL]
• Website: [INSERT WEBSITE URL]
• Post: [INSERT REGISTERED ADDRESS]

2.1 What Personal Data We Collect

We may collect the following categories of personal data:
• Identity data: your name, username or similar identifier
• Contact data: your email address, postal address, telephone number
• Financial and transaction data: billing address, purchase history, subscription status (payment card details are processed by our third-party payment processor; we do not store full card numbers)
• Account data: your login credentials (passwords are stored in encrypted form), account preferences and settings
• Usage data: which courses you have accessed, your progress through content, time spent on pages
• Technical data: IP address, browser type and version, device information, time zone, operating system, referral source
• Marketing and communications data: your preferences for receiving marketing from us
• Survey and correspondence data: any information you provide when contacting us or completing feedback activities

⚠ Note for DIYTAXFlix: Because DIYTAXFlix handles financial transaction data and user accounts, the data disclosures here are significantly expanded compared to SAUKTAX, which does not accept payments or manage user logins.

2.2 How We Collect Your Data

We collect data through:
• Direct interactions: when you register, subscribe, make a purchase, complete forms, contact our support team or participate in surveys
• Automated technologies: as you use the Platform, we collect technical and usage data via cookies and similar tracking technologies (see Section 3)
• Third-party payment processors: our payment processor shares transaction confirmation data with us when you complete a purchase
• Analytics providers: we receive aggregated, anonymised data from analytics tools such as Google Analytics

2.3 Legal Basis for Processing

  • We process your personal data on the following legal bases:
  • • Performance of a contract: to deliver your subscription or purchased products and manage your account
  • • Legitimate interests: to improve the Platform, prevent fraud, ensure platform security and direct market to existing customers
  • • Consent: to send marketing communications where you have opted in, or to place non-essential cookies on your device
  • • Legal obligation: to retain transaction records for tax and accounting purposes under applicable law

    ⚠ Note for DIYTAXFlix: The UK GDPR requires you to identify and document your lawful basis for each type of processing. This section was entirely absent from SAUKTAX and is a significant compliance addition for DIYTAXFlix.

2.4 How We Use Your Data

We use your personal data to:
• Create and manage your account
• Process payments and deliver your subscription or purchased products
• Send order confirmations, receipts and subscription renewal notifications
• Provide customer support
• Send marketing communications where permitted
• Personalise and improve your experience on the Platform
• Comply with legal and regulatory obligations including HMRC requirements relating to VAT and sales records• Detect and prevent fraud, unauthorised access and other illegal activity

2.5 Payment Data and Security

All online payments are processed by a PCI DSS-compliant third-party payment provider ([INSERT PROVIDER e.g. Stripe]). We do not store your full payment card number, CVV or equivalent on our systems. We retain only a transaction reference and, where relevant, the last four digits of a card number for record-keeping purposes.
Our payment processor's own privacy policy governs the handling of your payment card data. We encourage you to review it before making a purchase.

⚠ Note for DIYTAXFlix: This entire section is new — it is absent from the SAUKTAX policy and is required for any business accepting online payments. PCI DSS compliance obligations flow through to the website owner even when a third-party processor is used.

2.6 Data Sharing

We do not sell your personal data. We may share your data with trusted third parties only where necessary:
• Payment processors (e.g. Stripe, PayPal): to process transactions
• Hosting and cloud infrastructure providers: to host the Platform and store data securely
• Email service providers: to send transactional and marketing emails
• Analytics providers (e.g. Google Analytics): to understand Platform usage
• CRM tools: to manage customer accounts and communications
• Legal and regulatory authorities: where required by law
All third-party processors are required to process data in accordance with our instructions and applicable data protection law.

2.7 International Data Transfers

Some of our third-party service providers may process data outside the UK or EEA. Where this occurs, we ensure appropriate safeguards are in place (such as the UK International Data Transfer Agreement or equivalent standard contractual clauses) to ensure your data is protected to a standard equivalent to UK GDPR.

2.8 Data Retention

We retain personal data only for as long as necessary:
• Account data: retained for the duration of your account and for up to [INSERT e.g. 2 years] after closure
• Transaction and financial records: retained for 7 years to comply with HMRC requirements
• Marketing data: retained until you unsubscribe or withdraw consent
• Technical and usage data: retained for [INSERT e.g. 13 months] before being anonymised or deleted

2.9 Your Rights Under UK GDPR

You have the following rights in relation to your personal data:
• Right of access: to request a copy of the personal data we hold about you
• Right to rectification: to ask us to correct inaccurate or incomplete data
• Right to erasure: to request deletion of your data where there is no lawful reason to continue processing it
• Right to restriction of processing: to ask us to restrict how we use your data in certain circumstances
• Right to data portability: to receive your data in a structured, machine-readable format
• Right to object: to object to processing based on legitimate interests or for direct marketing purposes
• Rights in relation to automated decision-making: we do not make solely automated decisions with a significant legal effect on you
To exercise any of these rights, please contact us at [INSERT PRIVACY EMAIL]. We will respond within one month. If you are not satisfied with our response, you have the right to complain to the Information Commissioner's Office (ICO) at www.ico.org.uk or on 0303 123 1113.

2.12 We Value Your Privacy

In addition to the above, we confirm that:
• We keep all information you provide to us completely confidential
• Only those employees and contractors with relevant business duties may access personal information, solely to perform those duties, and they are strictly prohibited from any other use
• No personal information will be provided to any third party without your specific authority, except where required by law
• We take all reasonable precautions to protect personal data submitted via this website; however, we cannot be responsible for interception by unauthorised persons and exclude liability accordingly
• You have the right to ask us for a copy of your personal data and have the right to amend or delete it

2.13 Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on our website with an updated effective date. We will notify you of material changes by email or by a prominent notice on the Platform.

2.14 Contact Us

For any privacy-related queries or to exercise your rights, please contact:
• Email: [INSERT PRIVACY EMAIL]
• Post: [INSERT REGISTERED ADDRESS]

3. Cookies Policy

This Cookies Policy explains how DIYTAXFlix uses cookies and similar tracking technologies on our website and platform at [INSERT WEBSITE URL]. It should be read alongside our Privacy Policy (Section 2 above).
When you first visit DIYTAXFlix, you will be presented with a cookie consent banner. By accepting cookies, you agree to the use of cookies in accordance with this policy. You can manage your cookie preferences at any time (see Section 3.5 below).

3.1 What Are Cookies?

Cookies are small text files placed on your device (computer, tablet or smartphone) when you visit a website. They are widely used to make websites work efficiently, improve user experience, and provide information to the website operator. Cookies cannot run programmes or deliver viruses to your device. We do not store sensitive personal information such as payment card details in cookies.

3.2 Types of Cookies We Use

3.2.1 Strictly Necessary Cookies

These cookies are essential for the Platform to function and cannot be switched off. They are set in response to actions you take such as logging in, setting privacy preferences or completing a payment. Without these cookies, the Service cannot be provided. They do not collect information that could be used for marketing purposes.
Examples: session authentication cookies, login state cookies, and cookies used to maintain your basket or order during checkout.

3.2.2 Performance and Analytics Cookies

These cookies collect anonymous information about how visitors use the Platform, such as which pages are most visited, how long users spend on content, and whether error messages are received. This data helps us improve the performance and usability of the Platform. All information collected is aggregated and anonymised.
We use Google Analytics for this purpose. You can opt out of Google Analytics tracking at any time by installing the Google Analytics Opt-out Browser Add-on at tools.google.com/dlpage/gaoptout.

3.2.3 Functional Cookies

These cookies enable enhanced functionality and personalisation, such as remembering your language preferences, your progress through a course, or whether you have dismissed a notification. They may be set by us or by third-party providers whose services we have added to the Platform. Disabling these cookies may affect certain features of the Platform.

3.2.4 Targeting and Marketing Cookies

These cookies are used to build a profile of your interests and show you relevant content or adverts on other sites. They are set by us or our advertising partners. They do not store directly personal information but uniquely identify your browser and device. We will only place these cookies with your explicit consent.
Examples may include: Facebook Pixel and Google Ads conversion tracking.

3.2.5 Payment-Related Cookies

When you make a purchase on DIYTAXFlix, our third-party payment provider(s) may set cookies on your device to facilitate secure payment processing and fraud detection. These are strictly necessary for completing transactions and are governed by the payment provider's own cookie and privacy policies, links to which will be available during the checkout process.

⚠ Note for DIYTAXFlix: This category does not exist in the SAUKTAX cookies policy and is an essential addition for DIYTAXFlix. Any website accepting online payments must disclose payment provider cookies specifically. Failure to do so is a breach of the Privacy and Electronic Communications Regulations (PECR).

3.3 Third-Party Cookies

Some cookies on the Platform are set by third parties. These may include:
• Google Analytics (analytics and performance)
• Facebook / Meta Pixel (marketing and retargeting, if applicable)
• Payment processors such as Stripe or PayPal (transaction security and fraud prevention)
• Video hosting platforms such as Vimeo or YouTube (if used to deliver course content)
We do not control third-party cookies once set. We recommend reviewing the privacy and cookie policies of each relevant third party.

3.4 Cookies and Consent

On your first visit to the DIYTAXFlix platform, you will be presented with a cookie consent banner giving you the option to:
• Accept all cookies
• Manage your preferences and accept only certain categories of cookies
• Reject all non-essential cookies
Strictly necessary cookies will always be active as they are required for the Platform to function. Your consent choices are stored and applied on subsequent visits.

⚠ Note for DIYTAXFlix: UK GDPR and the Privacy and Electronic Communications Regulations (PECR) require valid, informed, freely given and unambiguous consent before placing any non-essential cookies. Your consent banner must meet these requirements. Consider using a compliant Consent Management Platform (CMP) such as Cookiebot, OneTrust or Usercentrics. The SAUKTAX policy relied on implied consent ("by using this site you consent") which is no longer compliant with current ICO guidance.

3.5 Managing and Disabling Cookies

You can manage your cookie preferences at any time:
• Cookie preferences centre: use the 'Cookie Settings' link in the footer of our website to update your preferences at any time
• Browser settings: most web browsers allow you to control cookies through their settings. You can set your browser to refuse all cookies or to alert you when cookies are being sent. Refer to your browser's help documentation for guidance
• Third-party opt-outs: for specific third-party cookies, you can opt out directly via the provider (e.g. Google Analytics Opt-out Add-on, Facebook Ad Preferences)
Please note: disabling certain cookies may affect Platform functionality. In particular, disabling strictly necessary cookies may prevent you from logging in or completing purchases.

3.6 Cookie Lifespan

Cookies may be session cookies (which expire when you close your browser) or persistent cookies (which remain on your device for a set period). The specific lifespan of each cookie varies depending on the type and provider. A full cookie list including lifespan and purpose for each cookie is maintained in our cookie management tool at [INSERT: cookie table link].

⚠ Note for DIYTAXFlix: Maintaining a live, accurate cookie audit is a regulatory best practice requirement under UK PECR. You should audit cookies on your site before launch and update the list whenever your technology stack changes.

3.7 Changes to This Policy

We may update this Cookies Policy from time to time. Any changes will be posted on our website with an updated effective date.

3.8 Contact Us

If you have any questions about our use of cookies, please contact us at:
• Email: [INSERT SUPPORT EMAIL]
• Website: [INSERT WEBSITE URL]
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