Terms & Conditions

Terms and Conditions for the sale of
“The Essentials of Financial Modelling” by Camilla Culley

These are the terms and conditions on which Camilla Culley Limited (CCL) shall sell and deliver the book entitled “The Essentials of Financial Modelling” (the Book) written by Camilla Culley (the Author) to you. Please read these terms carefully before you submit your order for the Book via www.camillaculley.com (Order).

Your attention (and the attention of any reader of the Book who has been directed to these terms, whether or not the Book was purchased via CCL) is specifically directed to:

  • clause 6 of these terms which sets out the limitations on the liability of CCL and the Author towards you and any reader of the Book; and
  • clause 8 of these terms which sets out the provisions relating to ownership and use of the intellectual property rights in the Book.
  1. Information about CCL and Interpretation
    • 1.1 CCL is a company registered in England and Wales with company registration number 05459892 whose registered office is at Dawes Cottage, Witchampton, Wimborne, Dorset, BH21 5AH. CCL’s VAT number is 704 6552 45. You can contact CCL by telephone on 01258 841240, by email at camilla@camillaculley.com or in writing to Dawes Cottage, Witchampton, Wimborne, Dorset, BH21 5AH.
    • 1.2 If CCL has to contact you, CCL will do so by telephone or by writing to you at the email address or postal address you provided as part of your Order. References in these terms to “in writing” includes emails.
    • 1.3 You may have different rights under these terms whether you are purchasing the Book as a consumer or as a business customer. You shall be a consumer for the purposes of these terms if you are an individual and are purchasing the Book from CCL wholly or mainly for your personal use (i.e. not for use in connection with your trade, business, craft or professions) (Consumer).
    • 1.4 Where you are a Consumer, nothing in these terms shall affect your legal rights.
  2. CCL’s contract with you
    • 2.1 Acceptance of your Order will take place when CCL emails you to confirm that it has accepted the Order, at which point a contract will come into existence between you and CCL in accordance with these terms. If CCL is unable to accept your Order, CCL will inform you of this in writing and will not charge you for the Book.
    • 2.2 CCL will assign an order number to your Order and tell you what it is when it accepts your Order. It will help if you can tell CCL the order number whenever you contact CCL about your Order.
  3. Delivery
    • 3.1 The costs of postage and packaging will be as displayed on CCL’s website and will be confirmed to you at the point you submit your Order.
    • 3.2 CCL uses third party couriers and/or delivery agents (including Royal Mail) for the delivery of orders. CCL will notify you when your Order has been dispatched (usually within 5 calendar days of the date of acceptance of the Order) but you acknowledge and accept that the timing of delivery of the Book is outside of CCL’s control once the Order has been dispatched.
    • 3.3 Where delivery of an Order is delayed by an event outside of CCL’s control (including actions or omissions of third party couriers and/or delivery agents (including Royal Mail)), CCL will not have any liability to you for such delays. CCL will use its reasonable endeavours to contact and notify you of any delays to delivery that CCL becomes aware of.
    • 3.4 You are responsible for checking and confirming the address for delivery of the Book at the time the Order is submitted. CCL shall have no liability to you as a result of any errors or omissions in the delivery address provided to CCL for delivery of the Book. If you become aware that you have made an error in the delivery address or any other details submitted as part of the Order, you should notify CCL by telephone or email as soon as possible.
    • 3.5 Where the Book is to be delivered to an address outside of the United Kingdom, you are responsible for the payment of any sales taxes, import duties, customs taxes or any other charges levied by the country to where the Book is to be delivered.
  4. Your rights to change your mind
    • 4.1 Where you are a Consumer, you have a legal right to change your mind and cancel the Contract within 14 days of the date that the Book is delivered. These rights are contained under the Consumer Contracts Regulations 2013 and can be exercised by you informing CCL of your decision to cancel the contract (either by telephone or email) and by you returning the Book to CCL at the address notified in clause 1.1 above (postage and packing costs associated with the return must be covered by you). The Book must be unused and be received by CCL in a resalable condition (i.e. no damage or wear to the cover, spine or pages), following which CCL shall provide you with a full refund by the method you used for payment within 14 days of the date of receipt of the returned Book by CCL. In the event that the Book is received back by CCL in a non-resaleable condition, you shall not be entitled to a refund and will need to cover the costs of the Book being re-delivered to you.
    • 4.2 For the avoidance of doubt, where you have placed an Order in connection your trade, business, craft or profession (i.e. you are not a Consumer), the Consumer Contracts Regulations 2013 do not apply and you shall have no rights to change your mind and cancel the Contract in accordance with clause 4.1 above.
  5. Price and payment
    • 5.1 Save for manifest error and subject to clause 5.3, the price of the Book (which includes VAT where applicable) will be the price indicated on the order page when you place your Order and shall be confirmed in the order confirmation and acceptance that CCL sends to you.
    • 5.2 CCL takes all reasonable care to ensure that the price of the Book advised to you on the order page is correct, however it is always possible that, despite CCL’s best efforts, the price may be incorrectly stated. If the correct price for the Book at your order date is higher than the price stated to you, CCL will contact you for your instructions before it accepts your Order.
    • 5.3 You will be required to input your card details at the point you submit your Order and CCL will take payment for the Book before CCL dispatches the Order. CCL accepts all major credit and debit cards for payment.
  6. Limitations on CCL’s Liability
    • 6.1 In circumstances where you are a Consumer:
      • a) nothing in these terms shall limit or exclude CCL’s liability for death or personal injury caused by its negligence or the negligence of its employees, agents or subcontractors, for fraud or fraudulent misrepresentation or for breach of your legal rights in relation to the sale of the Book; and
      • b) CCL fails to comply with these terms, CCL shall be responsible for any loss or damage you suffer that is a foreseeable result of CCL breaching the contract, however CCL shall not be responsible for any loss or damage that you suffer that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made, both CCL and you knew the loss might happen.
    • 6.2 In circumstances where you are not a Consumer:
      • a) nothing in these terms shall limit or exclude CCL’s liability for death or personal injury caused by its negligence, or the negligence of its employees, agents or subcontractors (as applicable), fraud or fraudulent misrepresentation, breach of the terms implied by section 12 of the Sale of Goods Act 1979 or section 2 of the Supply of Goods and Services Act 1982 or any matter in respect of which it would be unlawful for CCL to exclude or restrict liability;
      • b) save as set out in clause 6.2(a), all terms implied by sections 13 to 15 of the Sale of Goods Act 1979 and sections 3 to 5 of the Supply of Goods and Services Act 1982 are excluded from the contract; and
      • c) subject to clause 6.2(a), CCL shall under no circumstances whatsoever be liable to you, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, for any loss of profit, or any indirect or consequential loss arising under or in connection with the contract.
    • 6.3 By purchasing and/or reading the Book you and/or the reader (as applicable) are acknowledging and accepting that the Book is intended to provide you and/or the reader with a summary of information, including the shortcuts and tips that the Author has found useful when working with and structuring financial models with PCs (not Macs). The Book is not intended to provide, and does not provide, advice as to how you and/or the reader should or should not conduct themselves when working with financial models. You and/or the reader should seek formal accounting, tax and/or other professional advice before acting, omitting to act or refraining from acting in any way in relation to working with and/or structuring financial models.
    • 6.4 To the extent permitted by law, neither CCL nor the Author will under any circumstances whatsoever be liable by reason of breach of contract, negligence or otherwise for any loss, consequential loss or damage occasioned to any person acting, omitting to act or refraining from acting in reliance upon the content of or any statement made within the Book or as a result of any error or omission within the Book.
    • 6.5 Save in respect of those excluded above in this clause 6, CCL’s total liability to you in respect of all other losses arising under or in connection with the contract, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, shall in no circumstances exceed the price paid by you for the Book.
  7. Intellectual Property Rights
    • 7.1 All intellectual property rights, including but not limited to copyright, in the Book are fully reserved by the Author.
    • 7.2 No part of the Book may be reproduced in any material form (including photocopying, scanning, downloading or storing in any medium by electronic means) without the written permission of the Author except in accordance with the Copyright Designs and Patents Act 1988. Applications for the Author’s written permission should be submitted to Dawes Cottage, Witchampton, Wimborne, Dorset, BH21 5AH.
    • 7.3 Any unauthorised or restricted act in relation to the Book may result in civil proceedings and/or criminal prosecution.
    • 7.4 The right of the Author to be identified as the author of the Book has been asserted in accordance with the Copyright Designs and Patents Act 1988.
  8. Data Protection.

CCL will only use your personal information as set out in the privacy policy available on CCL’s website – https://camillaculley.com/privacy-gdpr-policy/

  1. General
    • 9.1 CCL may transfer its rights and obligations under these terms to another organisation.
    • 9.2 You may only transfer your rights or your obligations under these terms to another person if CCL agrees to this in writing.
    • 9.3 The contract is between you and CCL. No other person shall have any rights to enforce any of its terms.
    • 9.4 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.
    • 9.5 These terms and conditions and any dispute or claim arising out of or in connection with them or their subject matter, shall be governed by, and construed in accordance with, the law of England and Wales.
    • 9.6 CCL and you irrevocably agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with these terms and conditions.
To find out more about Camilla Culley’s training courses or to set up a meeting, please get in touch.
+ 44 7932 186481
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