Areas covered: London, Thames Valley and South Bucks
0203 519 9119

Terms and Conditions


1.1. This page (together with the documents to which it links or refers) give you the ‘website terms of use’. These are the terms onwhich you can use The terms are the same whether you choose to register or not. By using, you are agreeing to these terms -so if you don’t agree to them, please stop using the Site.


2.1. (which we’ll just call ‘our Site’ from now on) is operated by Crystal Clear Business Consultants Ltd (which we’ll call’We’ or ‘Us’). Our registered office is at 55, Moorfield Road, Denham, Bucks, UB9 5NE. A company registered in England under 07221817


3.1. You must be 18 or over to use our Site. If you are based outside the UK in a country that has a higher age of majority, you mustbe over that age as well. We try to keep our Site running at all times. However you should be aware that we might have, orchoose, to change it – or even withdraw it for a while – at any time.

3.2. Our Site is updated regularly. We attempt to keep the information up-to-date, and you should always check back to the ‘as is’Site rather than relying on past copies you may have made.

3.3. Some sections of our Site are only available to people who register as members with us.

3.4. We aren’t responsible for ensuring that you have access to our Site – you need to provide your own equipment and Internetconnection. If other people share your Internet connection, you need to make sure that they are aware of these terms, andfollow them.

3.5. We may in our sole discretion and without explanation decide to suspend some or all functionality and/or access to our Site.

For example, this might be due to reasons connected with viruses, hacking and other offences affecting the Site or because weare instructed to do so by a governing body, agency or other person.


4.1. You may only use Our Site for lawful purposes. This means, to give a few examples (that aren’t meant to cover everythingillegal):

4.1.1. You must not use the Site to break any applicable law or regulation. This applies to local, national and internationallaws in either the UK (where our Site is located) or the country where you are (if you’re not in the UK). This includesany material you contribute to interactive sections of our Site.

4.1.2. You must not use our Site in a way that is fraudulent or illegal, or attempts to commit fraud.

4.1.3. You must not use our Site for the purpose of harming, or attempting to harm minors.

4.1.4. You must not use the Site to distribute Spam, or otherwise advertise or offer any goods or services.


5.1. All the intellectual property on our Site either belongs directly to us, or we have licenced its use. The intellectual property isprotected by various laws and treaties, not just in the UK, but around the world. All such rights are reserved by us under thosetreaties.

5.2. You can print off a copy, or download an extract of part of our Site for your personal reference. If you have registered as acompany, limited liability partnership, trust or other organisation, you can copy and show material on our Site to people whowork with you in that organisation. If you have registered as an individual, you can copy and show material on our Site to yourspouse or civil partner. However, in each case, you need to make them aware of, and agree to,these terms and conditions.

5.3. If you print off, or download part of our Site, you must use it ‘as is.’ You can’t make modifications to any text, pictures, audio orvideo. In addition, you must not use any of the pictures, video or audio separately from the rest of the page you found it on.

5.4. If you print off, or download part of our Site, you must also make sure that our status as owners of the material is clearly noted.

If we have identified any specific part of our Site as having been contributed by someone else, you must also note their status inthe same way as you note ours.

5.5. If you want to use part of our Site for commercial purposes, you must obtain a licence from us first.

5.6. If you print off, copy or download any part of our Site in breach of these terms, you immediately forfeit the right to carry on using the Site. In addition, we have the right to demand that you return or destroy (as we choose) any copies of material you havemade. This extends to any material you have downloaded to your computer or network that is subsequently backed up by you.


6.1. Except where we make it clear, the text and other things on our Site are not items on which you should place reliance. Weaccept no responsibility or LIABILITY for any consequences that arise from having relied on such material.


7.1. The material displayed on our Site is provided without any guarantees, conditions or warranties as to its accuracy. To the extentpermitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:

7.1.1. all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law ofequity;

7.1.2. any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our Siteor in connection with the use, inability to use, or results of the use of our Site, any websites linked to it and anymaterials posted on it, including, without limitation any liability for: loss of income or revenue; loss of business; loss of profits or contracts; loss of anticipated savings; loss of data; loss of goodwill; wasted management or office time; and for any other loss or damage of any kind, however arising and whether caused by tort (includingnegligence), breach of contract or otherwise, even if foreseeable, provided that this condition shallnot prevent claims for loss of or damage to your tangible property or any other claims for directfinancial loss that are not excluded by any of the categories set out above.

7.2. This does not affect our liability for death or personal injury arising from our negligence, or our liability for fraudulentmisrepresentation or misrepresentation as to a fundamental matter, or any other liability which cannot be excluded or limitedunder applicable law.


8.1        Your Registration fee will be at the price advertised on the Website.  Crystal Clear Business Consultants Ltd reserves the right to change Registration Fees from time to time

8.2        No part of this Website constitutes a contractual offer capable of acceptance.  Your order for registration constitutes a contractual offer that we may, at our sole discretion, accept.  Our acceptance is indicated by us sending to you a registrationconfirmation email.  Only once we have sent you a registration confirmation email will there be a binding contract between Crystal Clear Business Consultants Ltd and you.

8.3        Once the registration fees have been paid, these are non-refundable


9.1. We may provide interactive services on our Site. These are services where users of our Site can contribute material. Examplesmight be forums, comments on blog posts, or interactive financial applications. ‘Contribute’ means any material you submit,whether you type it in directly, copy/paste it from somewhere else, or upload a file attachment.

9.2. On these interactive services, we reserve the right to use either human or automated moderation, and may set up some parts ofthe Site to not display this information to other users until we have approved it. What form of moderation we use is entirely atour discretion. Where we moderate a service, we will normally give details of how to contact a moderator.

9.3. Where you contribute material, and that material alleges facts, the facts must be accurate.

9.4. Where you contribute material, and that material states opinions, those opinions must be genuinely held.

9.5. Where you contribute material, that material must not:

9.5.1. contain any material which is defamatory of any person;

9.5.2. contain any material which is obscene, offensive, hateful or inflammatory;

9.5.3. promote sexually explicit material;

9.5.4. promote violence;

9.5.5. promote discrimination based on race, sex, religion, nationality, disability, sexual orientation, age or any othercharacteristic;

9.5.6. infringe any copyright, database right or trade mark of any other third party;

9.5.7. be likely to deceive any third party;

9.5.8. be made in breach of any legal duty owed to a third party, such as a contractual duty or a duty of confidence;

9.5.9. promote any illegal activity;

9.5.10. be threatening, abuse or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety;

9.5.11. be likely to harass, upset, embarrass, alarm or annoy any other person; If you contribute any material to the site, oruse the site to make contact with any other member, We are not liable to any third party for its accuracy or content.

You confirm to us that you indemnify us from costs expenses losses or damage any action arising as result ofmaterial you have contributed.

9.6. Whenever you make use of a feature that allows you to upload content to our Site, or to make contact with other users of ourSite, you must comply with the content standards set out in these terms.9.7. You warrant that any such contribution does comply with those standards and you will be liable to us and indemnify us for anybreach of that warranty. This means that you will be responsible for any loss or damage we suffer as a result of your breach ofwarranty.

9.8. You should not rely on any material contributed to the Site by any other member or third party. You agree not to hold us liablefor any such material

9.9. We reserve the right to remove any material you have contributed to the Site, at our sole discretion, for any reason. If we remove material you have contributed, we are not obliged to let you know we have done so.

9.10. If you contribute material to our Site, we will consider it non-confidential and non-proprietary. By uploading, you give us theright to copy, distribute and disclose that material to third parties for any purpose. If we are contacted by a third party, claimingthat your uploading has violated either their intellectual property rights, or their right to privacy, We may disclose your identityto the party making such a complaint or their legal representatives – we will deal with any such request in compliance with theData Protection Act 1988 and related legislation. We may also disclose your identity in response to a request from any lawenforcement agency. You should be aware that if we disclose your identity under these circumstances, we may be forbidden bylaw or a court from letting you know we have done so.

9.11. We will not be responsible, or liable to any third party, for the content or accuracy of any material posted by you or any otheruser of our Site.


10.1. You must not misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is maliciousor technologically harmful. You must not attempt to gain unauthorised access to our Site, the server on which our Site is storedor any server, computer or database connected to Our Site. You must not attack Our Site, or any server, computer or databaseconnected to our site via a denial-of-service attack or a distributed denial-of service attack. This includes third party serversincluding but not limited to mail and DNS servers we use to provide you with our services.

10.2. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report anysuspected breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing youridentity to them. In the event of such a breach, your right to use our Site will cease immediately.

10.3. You are strongly recommended to keep your equipment protected from viruses and malware. We will not be liable for any loss ordamage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect yourcomputer equipment, computer programs, data or other proprietary material due to your use of our Site or to your downloadingof any material posted on it, or on any website linked to it.


11.1. You are welcome to link to our home page from your Site.

11.2. If you link to the home page of our Site from a site that is not directly controlled by you (for example, by posting on a forum, orcommenting on a blog) you must ensure that you have permission of the site owner on which you are creating the link to do so.

You must also ensure that the site you are linking from does not contain material that would be not allowed on our Site undersection 9 of this document.

11.3. If you link to our Site in either of the ways allowed, you must not do so in a way that might damage our reputation.

11.4. If you link to our Site in any of the ways allowed, and are a borrower, you must not do so in a way that implies we are associated with you,approve your services, endorse you, nor must you otherwise take advantage of our reputation.

11.5. If you are linking to our Site, you must ensure that the link makes it obvious that the user is going to a different site from the oneyou are creating the link on. You must not, for example, put our Site in a frame or iframe, or import content into a page or div.


12.1. If you want to make use of any material on our Site for any other purpose than those set out here, please contact us with yourrequest.


13.1. Where our Site contains links to other sites and resources provided by third parties, these links are provided for yourinformation only. We have no control over the contents of those sites or resources, and accept no responsibility for them or forany loss or damage that may arise from your use of them.


14.1. If We discover that you have breached these terms and conditions, We may take whatever action We see fit. This might include

14.1.1. Withdrawing your right to access or otherwise use the Site

14.1.2. Removing any material you have contributed

14.1.3. Issuing a warning to you

14.1.4. Starting legal proceedings against you to claim reimbursement of any costs we have incurred as a result of yourbreach (including reasonable admin costs and legal costs.)

14.1.5. Other legal action against you.

14.1.6. Referring the matter to law enforcement and disclosing any information we hold that might be necessary for them toinvestigate.


15.1        All personal information that We may collect (including, but not limited to, your name and address) will be collected, used and held in accordance with the provisions of the Data Protection Act 1998 and your rights under that Act.

15.2        We may use your personal information to:

15.2.1   Provide Our Service to you;

15.2.2   Process your payments to us; and

15.2.3   Inform you of new products and services available from us.  You may request that we stop sending you this information at any time.

15.3        In certain circumstances (if, for example, you wish to make a purchase on credit), and with your consent, ee may pass your personal information on to credit reference agencies. These agencies are also bound by the Data Protection Act 1998 and should use and hold your personal information accordingly.

15.4        We will not pass on your personal information to any other third parties without first obtaining your express permission.


16.1. The English courts will have non-exclusive jurisdiction over any claim arising from, or related to, a visit to Our Site although weretain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevantcountry at our sole discretion

16.2. These terms of use and any dispute or claim arising out of or in connection with them or their subject matter or formation(including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England andWales.

16.3. If any of the Terms or Conditions included in this document is found to be invalid by the courts, the rest of the Terms andConditions will still apply.


17.1. We may revise these terms at any time by amending this page. It is your responsibility to check this page and take notice of anychanges we have made because the changes will be binding on you.

17.1.1. If you have provided us with an email address in registering with the Site, We will send you an email to let you knowthat the terms have changed.

17.1.2. There may be specific terms that apply to particular parts of the Site. Where notices appear on another part of theSite, theyshould be assumed to supersede only those terms here that they are expressly in conflict with. The rest ofthese terms and conditions will still apply.


18.1. If you are dissatisfied with either an individual or our standard of service or any aspect of the delivery of ourservices please contact


19.1. If you have any concerns about material which appears on Our Site, please contact