1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Business Advisory and Solutions Ltd (trading as "Overfunded") ("Company," "we," "us," or "our"), a company registered in England and Wales, regarding your use of our website and services.

Company Details:

• Business Advisory and Solutions Ltd (trading as Overfunded)

• Department Campfield

• Lower Byrom St

• Manchester M3 4FP

• United Kingdom

• Email: contact@overfunded.co.uk

• Website: www.overfunded.co.uk

By accessing or using our website, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access our services.

2. Use of Our Service

2.1 Eligibility

You must be at least 18 years old to use our services. By using our services, you represent and warrant that you meet this age requirement.

2.2 Acceptable Use

You agree to use our website and services only for lawful purposes and in accordance with these Terms. You agree not to:

• Use our service in any way that violates any applicable national or international law or regulation

• Transmit any material that is defamatory, offensive, or otherwise objectionable

• Impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity

• Use our service in any manner that could disable, overburden, damage, or impair the service

• Use any robot, spider, or other automatic device to access the service for any purpose

• Introduce any viruses, trojan horses, worms, or other material that is malicious or technologically harmful

• Attempt to gain unauthorised access to any portion of the service or any other systems or networks

3. Intellectual Property Rights

3.1 Our Content

The service and its original content, features, and functionality are and will remain the exclusive property of Business Advisory and Solutions Ltd and its licensors. The service is protected by copyright, trademark, and other laws of the United Kingdom and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.

3.2 User Content

Our service may allow you to post, link, store, share and otherwise make available certain information, text, graphics, or other material ("Content"). You are responsible for the Content that you post to the service, including its legality, reliability, and appropriateness.

By posting Content to the service, you grant us the right and licence to use, modify, publicly perform, publicly display, reproduce, and distribute such Content on and through the service.

4. Privacy Policy and Data Protection

4.1 Privacy Policy

Your use of our services is also governed by our Privacy Policy. Please review our Privacy Policy, which also governs the site and informs users of our data collection practices.

4.2 GDPR Compliance

We are committed to protecting your personal data and respecting your privacy in accordance with the General Data Protection Regulation (GDPR) (EU) 2016/679 and the UK GDPR as incorporated into UK law.

4.3 Data Controller

Business Advisory and Solutions Ltd (trading as Overfunded) is the data controller responsible for your personal data. Our Data Protection Officer can be contacted at: contact@overfunded.co.uk

4.4 Lawful Basis for Processing

We process personal data only when we have a lawful basis, including:

• Your explicit consent

• Performance of a contract with you

• Compliance with our legal obligations

• Our legitimate interests (where not overridden by your rights)

• Protection of vital interests

• Performance of a task in the public interest

4.5 Your Data Protection Rights

Under GDPR, you have the following rights:

• Right of Access: Request copies of your personal data

• Right to Rectification: Request correction of inaccurate personal data

• Right to Erasure: Request deletion of your personal data

• Right to Restrict Processing: Request restriction of processing your personal data

• Right to Data Portability: Request transfer of your data to another organisation

• Right to Object: Object to processing of your personal data

• Rights Related to Automated Decision Making: Not to be subject to decisions based solely on automated processing

To exercise any of these rights, please contact us at contact@overfunded.co.uk. We will respond to your request within one month.

4.6 Data Retention

We retain personal data only for as long as necessary to fulfil the purposes for which it was collected, including satisfying legal, accounting, or reporting requirements. Retention periods are determined based on:

• The purpose and nature of the data

• Legal or regulatory requirements

• Statute of limitations periods

• Industry best practices

4.7 International Data Transfers

If we transfer personal data outside the UK or EEA, we ensure appropriate safeguards are in place, including:

• Adequacy decisions by the UK government or European Commission

• Standard contractual clauses approved by the Information Commissioner's Office (ICO)

• Your explicit consent

4.8 Data Security

We implement appropriate technical and organisational measures to protect personal data against unauthorised or unlawful processing and against accidental loss, destruction, or damage, including:

• Encryption of personal data

• Regular security assessments

• Limited access controls

• Staff training on data protection

• Incident response procedures

4.9 Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies. By using our website, you consent to our use of cookies in accordance with our Cookie Policy. You can manage cookie preferences through your browser settings.

Types of cookies we use:

• Essential Cookies: Required for website functionality

• Analytics Cookies: Help us understand how visitors use our website

• Marketing Cookies: Used to deliver relevant advertisements

• Preference Cookies: Remember your settings and preferences

4.10 Data Breach Notification

In the event of a personal data breach that is likely to result in a high risk to your rights and freedoms, we will notify you without undue delay and provide:

• Description of the breach

• Contact details of our Data Protection Officer

• Likely consequences of the breach

• Measures taken or proposed to address the breach

4.11 Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect personal data from children. If we become aware that we have collected personal data from a child without parental consent, we will take steps to delete that information.

4.12 Complaints

You have the right to lodge a complaint with the Information Commissioner's Office (ICO) if you believe we have not complied with the requirements of the GDPR regarding your personal data.

Information Commissioner's Office

• Website: https://ico.org.uk

• Telephone: 0303 123 1113

• Address: Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF

5. Professional Services Disclaimer

5.1 Advisory Services

The information provided through our website and services is for general informational purposes only. While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the website.

5.2 No Professional Relationship

Unless explicitly agreed in a separate written agreement, the use of our website does not create a professional advisory relationship between you and Business Advisory and Solutions Ltd.

6. Disclaimers and Limitations of Liability

6.1 Disclaimers

THE INFORMATION ON THIS WEBSITE IS PROVIDED ON AN "AS IS" BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY:

• Makes no warranties or representations about the accuracy or completeness of this website's content

• Assumes no liability or responsibility for any errors or omissions in the content of this site

• Assumes no liability for any damages arising from the use of this website

6.2 Limitation of Liability

IN NO EVENT SHALL BUSINESS ADVISORY AND SOLUTIONS LTD, ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES, BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OF THE SERVICES.

6.3 Maximum Liability

In any event, our total liability to you for all damages, losses, and causes of action shall not exceed the amount you have paid to us in the last twelve (12) months, or one hundred pounds (£100), whichever is greater.

7. Indemnification

You agree to defend, indemnify, and hold harmless Business Advisory and Solutions Ltd and its licensees and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to legal fees), resulting from or arising out of:

• Your use and access of the service

• Your breach of these Terms

• Your violation of any third-party rights, including without limitation any copyright, property, or privacy right

8. Termination

We may terminate or suspend your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

Upon termination, your right to use the service will cease immediately.

9. Governing Law and Jurisdiction

9.1 Governing Law

These Terms shall be governed and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions.

9.2 Jurisdiction

Any disputes arising out of or relating to these Terms or our services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

10. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

11. Third-Party Links and Services

11.1 External Links

Our website may contain links to third-party websites that are not operated by us. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

11.2 Third-Party Processors

We may use third-party service providers to process personal data on our behalf. All third-party processors are required to:

• Process data only on our written instructions

• Ensure confidentiality of personal data

• Implement appropriate security measures

• Assist with GDPR compliance obligations

• Delete or return personal data at the end of service

11.3 Third-Party Data Sharing

We do not sell, trade, or otherwise transfer your personal data to third parties without your consent, except as described in our Privacy Policy or as required by law.

12. Entire Agreement

These Terms constitute the entire agreement between us regarding our service and supersede and replace any prior agreements we might have between us regarding the service.

13. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect.

When we make changes that affect how we process your personal data, we will notify you in accordance with GDPR requirements, which may include:

• Email notification to registered users

• Prominent notice on our website

• Request for renewed consent where required

By continuing to access or use our service after those revisions become effective, you agree to be bound by the revised terms.

14. Contact Information

If you have any questions about these Terms of Service, please contact us at:

Business Advisory and Solutions Ltd (trading as Overfunded)
Department Campfield
Lower Byrom St
Manchester M3 4FP
United Kingdom
Email: contact@overfunded.co.uk