R05 Financial Protection - 2024/25

Exam Angel Terms and Conditions

Background

Exam Angel is a trading name of RM Advance (rmadvance.com). The terms and conditions set forth in this document form the basis of which you can use any Exam Angel (“The Service Provider”) product or service. Visiting Exam Angel and / or purchasing any product is acknowledgement that you accept these terms and conditions.

Ownership of Materials and Intellectual Property

All intellectual property in this website and related material available from this website (the “Intellectual Property”) including any related work in progress that is developed or produced or is being produced, will be the property of the Service Provider. The Customer is granted a non-exclusive limited use license of this Intellectual Property.

Title, copyright, intellectual property rights and distribution rights of the Intellectual Property remain exclusively with the Service Provider.   Any breach of this copyright will be deemed to be, a breach in which immediate termination will take effect.

Our Website

Due to the nature of the Internet, no guarantee is given of uninterrupted or error free access to or running of this website or the information transactions conducted through it. The Service Provider shall not be liable for any failure in processing your details due to software or Internet errors or unavailability, or circumstances beyond its reasonable control.

Links from our Website

Any third party links are provided for your information only. We have no control over the contents of those sites and accept no responsibility for any loss or damage that may arise from your use of them.

Viruses

We take reasonable steps to ensure our website and products are virus free, these include (but are not limited to) secure hosting, regular virus scans and software to detect cyber-attacks, however, we cannot guarantee these precautions to be infallible and prevent harm to your computer or digital device. We accept no liability for any loss or damage caused by viruses that may infect your computer equipment, programs, data or other proprietary material due to your use of our website.

Use of material and website

The material on our website and any content downloaded from our website, whether purchased or free is made available solely for your personal use. You are not permitted to reproduce any part of our website or contents. You are permitted to download material for personal use but are not permitted to make duplicates of that material. You are not permitted to modify any materials whether print or digital. The company retains copyright on all materials produced. Any material downloaded is exclusively for your personal use. You are not permitted to distribute any material to any other individual(s). Log in details to our website, microsites and learning management systems are for your exclusive use, user names and passwords are not transferable

Quality of our material

Our material is produced to the highest standard, however, we cannot guarantee its effectiveness.

Complaints process

Should you wish to make a complaint or have any concerns in relation to our service please write to the managing director.

We will acknowledge your complaint within 3 working days of receipt and aim to resolve your complaint within 14 working days.

Length of agreement

Purchased products and services will remain active for a 3-month period from date of purchase.

Our Services

We provide professional development and learning services. Our material has been written to the highest standards by subject matter experts and undergone an independent accreditation process. Any products we offer does not guarantee exam success. Our service commences once you have purchased or downloaded any of our products.

Refund policy

Should Exam Angel decide to alter any of our material then we will do so with notice.

Should you decide not to proceed with your purchased study plan and the study plan has not launched, viewed, started or downloaded in anyway then Exam Angel can refund.  However, due to the digital nature of the study materials, we cannot offer any refund or partial refund on any launched, viewed, or downloaded product.  These terms are in accordance with Regulation 13 of the Consumer Protection regulations 2000, updated in 2015, in relation to Distance selling and digital sales.

Liability

Exam Angel shall not be liable under any circumstances for any loss, expense, damage, delay, costs or compensation (whether direct, indirect or consequential) which may be suffered or incurred by the customer that arises from or in any way connected with the use of our website or learning material. For the avoidance of doubt, Exam Angel does not exclude liability for death or personal injury arising from its own negligence or for any other loss which it is not permitted to exclude under law.

If we are unable to meet our commitment with you, or you cannot access your purchased product as a result of forces outwith our reasonable control (Force Majeure) we will either (a) provide a replacement product to you or (b) refund the cost of your purchase.

We use our reasonable endeavours to keep the Exam Angel platform available. However, we don’t guarantee that the platform will be fault free, bug-free, error-free, available 100% of the time, free of degradation or free of other problems. If at any time the Exam Angel platform is adversely affected or unavailable, then unless that is caused by our gross negligence, it will not breach our agreements with you. You agree that the Exam Angel platform is provided “as is” and “as available”.

Governing Law

This agreement, any performance under this Agreement, and all suits and special proceedings under this Agreement, be construed in accordance with and governed, to the exclusion of the law of any other forum, by the laws of the Country of Scotland, without regard to the jurisdiction in which any action or special proceeding may be instituted.

Severability

In the event that any of the provisions of this Agreement are held to be invalid or unenforceable in whole or in part, all other provisions will nevertheless continue to be valid and enforceable with the invalid or unenforceable parts severed from the remainder of this Agreement.

Waiver

The waiver by either Party of a breach, default, delay or omission of any of the provisions of this Agreement by the other Party will not be construed as a waiver of any subsequent breach of the same or other provisions.

Breach of these terms and conditions

Should you, the customer breach these terms and conditions in any way we reserve the right to take lawful action against you.

Changes to our terms and conditions

We may update and / or make changes to these Terms and Conditions. Any changes made to our terms and conditions shall take effect from the date we publish them on our website. You should check our website regularly for any changes.

This current version was updated November 2019