Terms and Conditions
Important information and who we are
In your use of this website, including any data you may provide through this website when you sign up for one of our courses; or
From your interaction with us during a course (e.g. any personal information you share during alive workshop); or
During an online therapy session with us.
This website is not intended for under 18s and we do not knowingly collect data relating to anyone who is under 18 years old.
Full name of legal entity: Liberty Therapies Limited
Email address: email@example.com
Postal address: Crown House, 27 Old Gloucester Street, London WC1N 3AX
You have the right to make a complaint at any time to the Information Commissioner's Office (ICO), the UK regulator for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us in the first instance.
It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us.
2. The data we collect about you
Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data).
We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:
Identity Data includes first name, last name and title.
Contact Data includes country, billing address, email address and telephone numbers.
Financial Data includes bank account and payment card details.
Transaction Data includes details about payments to and from you and other details of products and services you have purchased from us.
Marketing and Communications Data includes your preferences in receiving marketing from us and your communication preferences.
Data Concerning Health means data related to your physical or mental health and may include your name, address and telephone number of your GP and names of other services involved in your care. Please note this information is only collected when Liberty Therapies is providing one-to-one therapy to you.
Special Categories of Personal Data
We do not collect any Special Categories of Personal Data about you through the website (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health, and genetic and biometric data). Nor do we collect any information about criminal convictions and offences. You may disclose Special Categories of Personal Data during the course. We do not take notes during the course and we do not record live workshops. We ask that participants to keep confidential all information disclosed by other participants during the course but we cannot guarantee that this will happen so please think carefully before you disclose sensitive information.
You may disclose Special Categories of Personal Data to us during the course of therapy sessions which we may need to retain in the notes that we take during our therapy sessions. We only use your personal data to provide the therapy services to you.
We may collect Data Concerning Health if you are referred to Liberty Therapies for one-to-one therapy by your GP or another health professional. We may correspond with your GP or other health professional during the course of your treatment. If you fail to provide personal data
Where we need to collect personal data by law, or under the terms of a contract we have with you, and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with goods or services). In this case, we may have to cancel a product or service you have with us but we will notify you if this is the case at the time.
3. How is your personal data collected?
We use different methods to collect data from and about you including through:
Direct interactions. You may give us your Identity, Contact [and Financial Data] by filling in forms or by corresponding with us by post, phone, email or otherwise. This includes personal data you provide when you:
Register for one of our courses;
create an account on our website;
purchase digital content from our website;
request marketing to be sent to you;
contact us to enquire about or arrange therapy sessions; or
give us feedback or contact us.
Information received from Third Parties. You may provide information to third parties which is made available to us. This includes:
Contact, Financial and Transaction Data from providers of technical, payment and delivery services such as Paypal based outside of the UK.
Identity and Contact Data from services which provide marketing services such as MailChimp based outside the UK.
Medical Data which may be shared with us by your GP or other medical professional. This data will only be shared with us if you have given your consent to your GP or other medical professional disclosing it to us.
4. How we use your personal data
We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:
Where we need to perform the contract we are about to enter into or have entered into with you.
Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
Where we need to comply with a legal obligation.
Click here to find out more about the types of lawful basis that we will rely on to process your personal data.
Generally, we do not rely on consent as a legal basis for processing your personal data although we will get your consent before sending third party direct marketing communications to you via email or text message. You have the right to withdraw consent to marketing at any time by contacting us.
Who do we share your personal data with?
All information that you share with us during courses or therapy sessions is confidential. We shall not disclose any information that you provide to us to any third party without your prior consent, except in the case of emergency if we reasonably believe that your mental or physical health requires urgent treatment or we are concerned about the safety of someone else, including a child or vulnerable adult. In these circumstances we may disclose information to your GP or other health professional. If you are having one-to-one therapy with Liberty Therapies we may share data with your GP or other health professional but we will only do this with your prior consent.
We strive to provide you with choices regarding certain personal data uses, particularly around marketing and advertising.
Promotional offers from us
We may use your Identity and Contact Data to form a view on what we think may be of interest to you. This is how we decide which products, services and offers may be relevant for you (we call this marketing).
You will receive marketing communications from us if you have requested information from us or purchased services from us.
We do not share your personal data with any third party for marketing purposes.
You can ask us to stop sending you marketing messages at any time by following the opt-out links on any marketing message sent to you or by contacting us at any time.
Where you opt out of receiving these marketing messages, this will not apply to personal data provided to us as a result of registering for a course or contacting us about therapy. We will continue to contact you in relation to these purposes so that we can provide these services to you.
Change of purpose
We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us.
If we need to use your personal data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.
Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.
5. Disclosures of your personal data
We may share your personal data with the parties set out below for the purposes set out in section 4 (How we use your personal data) above.
External Third Parties as set out in the Glossary.
Health Care Professionals in the following circumstances:
(a) in the case of emergency if we reasonably believe that your mental or physical health requires urgent treatment or we are concerned about the safety of someone else, including a child or vulnerable adult in which case we may disclose information to your GP or other health professional; and
(b) if you are having one-to-one therapy with Liberty Therapies, we may share data with your GP or other health professional but we will only do this with your prior consent. However in the case of an emergency as set out in sub-paragraph (a) above, we may disclose information to your GP without your consent.
We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.
6. International transfers
Many of our external third parties are based outside the UK so their processing of your personal data will involve a transfer of data outside the UK.
Whenever we transfer your personal data out of the UK, we ensure a similar degree of protection is afforded to it by ensuring at least one of the following safeguards is implemented:
We will only transfer your personal data to countries that have been deemed to provide an adequate level of protection for personal data.
Where we use certain service providers, we may use specific contracts approved for use in the UK which give personal data the same protection it has in the UK.
Please contact us if you want further information on the specific mechanism used by us when transferring your personal data out of the UK.
7. Data security
We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.
We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.
8. Data retention
How long will you use my personal data for?
We will only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. We may retain your personal data for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you.
To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.
By law we have to keep basic information about our customers (including Contact, Identity and Transaction Data) for six years after they cease being customers for tax purposes.
In some circumstances you can ask us to delete your data: see your legal rights in section 9 below for further information.
In some circumstances we will anonymise your personal data (so that it can no longer be associated with you) for research or statistical purposes, in which case we may use this information indefinitely without further notice to you.
9.Your legal rights
Under certain circumstances, you have rights under data protection laws in relation to your personal data. Please click on the links below to find out more about these rights:
Request access to your personal data
Request correction of your personal data
Request erasure of your personal data
Object to processing of your personal data
Request restriction of processing your personal data
Request transfer of your personal data
Right to withdraw consent
If you wish to exercise any of the rights set out above, please contact us.
No fee usually required
You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we could refuse to comply with your request in these circumstances.
What we may need from you
We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.
Time limit to respond
We try to respond to all legitimate requests within one month. Occasionally it could take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.
Legitimate Interest means the interest of our business in conducting and managing our business to enable us to give you the best service/product and the best and most secure experience. We make sure we consider and balance any potential impact on you (both positive and negative) and your rights before we process your personal data for our legitimate interests. We do not use your personal data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law). You can obtain further information about how we assess our legitimate interests against any potential impact on you in respect of specific activities by contacting us.
Performance of Contract means processing your data where it is necessary for the performance of a contract to which you are a party or to take steps at your request before entering into such a contract.
Comply with a legal obligation means processing your personal data where it is necessary for compliance with a legal obligation that we are subject to.
External Third Parties
Service providers acting as processors based in Israel who provide website services (e.g. Wordpress).
HM Revenue & Customs, regulators and other authorities acting as joint controllers based in the United Kingdom who require reporting of processing activities in certain circumstances.
Paypal, Wix and Stripe acting as processors based in Israel and the USA who provide payment services.
Wix and Mailchimp acting as processors based in Israel and the USA who provide marketing services.
YOUR LEGAL RIGHTS
You have the right to:
Request access to your personal data (commonly known as a "data subject access request"). This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it.
Request correction of the personal data that we hold about you. This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.
Request erasure of your personal data. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law. Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request.
Object to processing of your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms. You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.
Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in the following scenarios:
If you want us to establish the data's accuracy.
Where our use of the data is unlawful but you do not want us to erase it.
Where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims.
You have objected to our use of your data but we need to verify whether we have overriding legitimate grounds to use it.
Request the transfer of your personal data to you or to a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.
Withdraw consent at any time where we are relying on consent to process your personal data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. We will advise you if this is the case at the time you withdraw your consent.
Online courses Policy
1. These terms
1.1 What these terms cover. These are the terms and conditions on which we supply personal development courses which include pre-recorded webinars, worksheets, live workshops, email support and a private Facebook group (the Services) to you.
1.2 Why you should read them. Please read these terms carefully (especially clause 9 and clause 13) before you submit your order to us. These terms tell you who we are, how we will provide the Services 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.
2. Information about us and how to contact us
2.1 Who we are. We are Liberty Therapies Limited a company registered in England and Wales. Our company registration number is 13237652 and our registered office is at Crown House, 27 Old Gloucester Street, London WC1N 3AX.
2.2 How to contact us. You can contact us by writing to us at firstname.lastname@example.org and Crown House, 27 Old Gloucester Street, London WC1N 3AX.
2.3 How we may contact you. If we have to contact you we will do so by writing to you at the email address or postal address you provided to us in your order.
2.4 "Writing" includes emails. When we use the words "writing" or "written" in these terms, this includes emails. Unless otherwise stated in these terms, “webinar” means a pre-recorded workshop or a live workshop.
3. Our contract with you
3.1 How we will accept your order. 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.
3.2 If we cannot accept your order. If we are unable to accept your order, we will inform you of this in writing and will not charge you for the Services. This might be because a course is fully booked, because of unexpected limits on our ability to deliver the Services which we could not reasonably plan for or because we have identified an error in the price or description of the Services.
3.3 Your order number. We will assign an order number to your order and tell you what it is when we accept your order. It will help us if you can tell us the order number whenever you contact us about your order.
3.4 Our Services are available worldwide. Our Services are available worldwide. If you are located outside of the UK, it is your responsibility to ensure that the Services comply with the local laws that apply in your country.
3.5 When we will provide the Services. The pre-recorded webinars and worksheets will be made available to you when we accept your order. The live workshops will be provided on the dates specified, subject to change in accordance with clause 4.2.
4. Our rights to make changes
4.1 Minor changes to the Services.
We may change the Services:
(a) to reflect changes in relevant laws and regulatory requirements; and
(b) to implement minor technical adjustments and improvements.
4.2 Other Changes to the Services. It may be necessary for us to make changes to the date and time of a live workshop due to the unavailability of the presenter as a result of ill health or other reasons outside of our control. If this occurs we will notify you and rearrange the live workshop to an alternative date and time.
5. Your obligations
5.1 You must keep your log in details secure. In order to participate fully in the Services and be able to access the pre-recorded webinars and handouts which form part of the course you must register for a personal account on our website. You must treat your user name and password as confidential. You must not disclose them to any third party.
5.2 What we will do if we think you’ve not complied with these terms. We have the right to disable any user name or password at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms.
5.3 What you must do if you think someone knows your log in details. If you know or suspect that anyone other than you knows your user name or password, you must promptly notify us at email@example.com
5.4 Your responsibility for your computer equipment. You are responsible for configuring your information technology, computer programmes and software to access our Services. You should use your own virus protection software.
5.5 Personal use only. We only supply the Services for personal private use. You may not use the Services for commercial, business or re-sale purpose without obtaining a prior, written licence from us and paying the appropriate licence fee.
6. Your rights to end the contract
6.1 Exercising your right to change your mind (Consumer Contracts Regulations 2013). For Services bought online you have a legal right to change your mind within 14 days and receive a refund subject to the provisos in clause 6.2. These rights, under the Consumer Contracts Regulations 2013, are explained in more detail in these terms.
6.2 When you don't have the right to change your mind. You do not have a right to change your mind in respect of the Services, once these have been delivered, even if the cancellation period is still running.
6.3 How long do I have to change my mind? You have 14 days after the day we email you to confirm we accept your order. However, once the Service has been delivered you cannot change your mind, even if the period is still running. If you cancel after we have started to deliver the Services, you must pay us for the Services provided up until the time you tell us that you have changed your mind.
7. How to end the contract with us (including if you have changed your mind)
7.1 Tell us you want to end the contract. To end the contract with us, please let us know by doing one of the following:
(a) Email. Email us at firstname.lastname@example.org Please provide your name, home address, details of the order and email address.
(b) By post. Print off the form and post it to us at the address on the form. Or simply write to us at that address, including details of what you bought, when you ordered or received it and your name and address.
7.2 How we will refund you. If you cancel in accordance with clause 6.1, we will refund you the price you paid for the Services by the method you used for payment.
7.3 When your refund will be made. We will make any refunds due to you as soon as possible and in any event within 14 days of your telling us you have changed your mind.
8. Our rights to end the contract
8.1 We may end the contract if you break it. We may end the contract for the Services at any time by writing to you if:
(a) you do not make any payment to us when it is due and you still do not make payment within 7 days of us reminding you that payment is due;
(b) we reasonably believe your continuing participation in the Services is likely to be detrimental to the health or wellbeing of our course leaders or other participants;
(c) you break one or more of the promises in clause 9.2.
No refunds shall be given in these circumstances.
8.2 We may withdraw the Services. We may write to you to let you know that we are going to stop providing the Services. We will let you know at least 14 days in advance of our stopping the supply of the Services and will refund any sums you have paid in advance for Services which will not be provided.
9. Ensuring a Safe Space– please read this section carefully
9.1 Your acknowledgements before you start the Services. You acknowledge that:
(a) the Services are not designed or intended to be therapy. The course leader will not be in therapeutic relationship with you and does not owe you a duty of care as a therapist;
(b) the Services may bring up issues or trigger emotional reactions. You are responsible for your own wellbeing and should step away from the session if you’re finding it emotionally challenging;
(c) it is your responsibility to obtain professional support for your mental health if you require it; and
(d) you will take all reasonable steps to ensure your safety online including not disclosing information which would allow others to identify where you live.
9.2 Your promises to us and the other participants. You promise to:
(a) keep confidential any personal information disclosed by other participants during the course to ensure that the Services are a safe space for everyone involved;
(b) treat the other participants with respect and not say or do anything which may be offensive to other participants;
(c) to abide by the group rules of the private Facebook group.
9.3 Maintaining a safe space for all participants. We have to ensure that our Services are a safe space for everyone we takes part. In order to do this:
(a) we reserve the right to remove you from a live course and the private Facebook group if your behaviour is causing distress or upset to other participants;
(b) we reserve the right to cancel your contract under clause 8.1(b) if we reasonably believe your continuing participation in the Services is likely to be detrimental to the health or wellbeing of our course leaders or the other participants.
9.4 Participation in Facebook Group. You acknowledge that we reserve the right to delete any inappropriate comments from the Facebook group, in order to provide and maintain a supportive environment. This includes but is not limited to defamatory or abusive language, sales pitches or spam. In such a case we reserve the right to ban the user from the Facebook group. No refund will be payable if you are banned from the Facebook group for this reason.
10. Confidentiality and how we may use your personal information
10.1 Our duty of confidentiality to you. All information that you share with us during the Services is confidential. We shall not disclose any information that you provide to us to any third party without your prior consent, except in the case of emergency if we reasonably believe that your mental or physical health requires urgent treatment or we are concerned about the safety of someone else, including a child or vulnerable adult. In these circumstances we may disclose information to your doctor or other health professional.
11. If you are unhappy with the Services
Summary of your key legal rights
This is a summary of your key legal rights. These are subject to certain exceptions. For detailed information please visit the Citizens Advice website www.adviceguide.org.uk or call 03454 04 05 06.
For Services, the Consumer Rights Act 2015 says:
you can ask us to repeat a service if it's not carried out with reasonable care and skill, or get some money back if we can't repeat it.
if you haven't agreed a price beforehand, what you're asked to pay must be reasonable.
if you haven't agreed a time beforehand, it must be carried out within a reasonable time.
11.1 How to tell us about problems. If you have any questions or complaints about the Services, please contact us. You can contact us by writing to us by email at email@example.com
11.2 Summary of your legal rights. See the box below for a summary of your key legal rights in relation to the Services. Nothing in these terms will affect your legal rights.
12. Price and payment
12.1 Where to find the price for the Services. The price of the Services (which includes VAT) will be the price indicated on the order pages when you placed your order. We take all reasonable care to ensure that the price advised to you is correct. However please see clause 12.2 for what happens if we discover an error in the price of the Service you order.
12.2 What happens if we got the price wrong. It is always possible that, despite our best efforts, some of the Services we sell may be incorrectly priced. We will normally check prices before accepting your order so that, where the correct price at your order date is less than our stated price at your order date, we will charge the lower amount. If the correct price at your order date is higher than the price stated to you, we will contact you for your instructions before we accept your order. If we accept and process your order where a pricing error is obvious and unmistakable and could reasonably have been recognised by you as a mispricing, we may end the contract and refund you any sums you have paid.
12.3 When you must pay and how you must pay. We accept payment with by credit card or debit card and Paypal. You must pay for the Services when you place the order.
13. Our responsibility for loss or damage suffered by you
13.1 We are responsible to you for foreseeable loss and damage caused by us. If we fail to comply with these terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breaking this contract or our failing to use reasonable care and skill. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made, both we and you knew it might happen.
13.2 We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors; for fraud or fraudulent misrepresentation; for breach of your legal rights in relation to the Services as summarised at clause 11.2.
13.3 No responsibility for sites we link to. We are not responsible for the content or any viruses, bug or other harmful code on any website that we link to.
14. How you may use our course materials
14.1 Ownership of the intellectual property rights in the course. We are the owner or the licensee of all intellectual property rights in the Services, and in the materials (including pre-recorded webinars, handouts and worksheets) provided to you as part of the Services (Materials). The Materials are protected by copyright laws and treaties around the world. All such rights are reserved.
14.2 How you may use the Materials. You may print off one copy of the handouts and worksheets for your personal use. You may download the pre-recorded webinars for your personal use.
14.3 You must not modify or copy the Materials. You must not modify the paper or digital copies of any Materials you have printed off or downloaded in any way, and you must not use, copy, modify, distribute or reproduce any part of the Materials (for example, illustrations, photographs, video or audio sequences or any graphics) without our prior written consent.
14.4 You must not share the Materials. You may not share the Materials (or any part of them) on social media or distribute them on any file sharing platform. You must not download images from the pre-recorded webinars which form part of the Materials. You must not develop, support or use software, devices or scripts to scrape the Materials or our website.
14.5 Our rights if you breach this clause 14. Without prejudice to any other rights or remedies that we may have, you acknowledge and agree that damages alone would not be an adequate remedy for any breach of the terms of this agreement. Accordingly, we shall be entitled to the remedies of injunctions, specific performance or other equitable relief to protect our intellectual property rights in the event of any threatened or actual breach of these terms by you.
15. Rules about linking to our website and Materials
15.1 Linking to our home page. You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.
15.2 No endorsement. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
15.3 Only link from websites owned by you. You must not establish a link to our website in any website that is not owned by you.
15.4 No framing. Our website must not be framed on any other site, nor may you create a link to any part of our website other than the home page.
15.5 Right to withdraw. We reserve the right to withdraw linking permission without notice
16. Other important terms
16.1 We may transfer this agreement to someone else. We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.
16.2 You need our consent to transfer your rights to someone else. You may only transfer your rights or your obligations under these terms to another person if we agree to this in writing.
16.3 Nobody else has any rights under this contract. This contract is between you and us. No other person shall have any rights to enforce any of its terms.
16.4 If a court finds part of this contract illegal, the rest will continue in force. Each of the clauses in these terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining clauses will remain in full force and effect.
16.5 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 at a later date. For example, if you miss a payment and we do not chase you but we continue to provide the Services, we can still require you to make the payment at a later date.
16.6 Which laws apply to this contract and where you may bring legal proceedings. These terms are governed by English law and you can bring legal proceedings in respect of the Services in the English courts. If you live in Scotland you can bring legal proceedings in respect of the Services in either the Scottish or the English courts. If you live in Northern Ireland you can bring legal proceedings in respect of the Services in either the Northern Irish or the English courts.