1. Introduction and Definitions

1.1 About us

These Terms and Conditions ("Terms") govern your access to and use of the website, platform, courses and related services operated by Football Coaching Institute OÜ, a private limited company incorporated in Estonia ("FCI", "we", "us", "our").

1.2 Definitions

• "Account" — the personal user account you create to access the Platform.
• "Business Customer" — a customer purchasing in the course of a trade, business, craft or profession, including clubs, academies, federations and other organisations.
• "Consumer" — a natural person purchasing wholly or mainly outside their trade, business, craft or profession.
• "Content" — all materials made available through the Platform, including video lessons, written modules, case studies, frameworks, templates, worksheets, assessments, downloadable files, graphics and audio.
• "Course" — a structured programme of Content offered by FCI, including individual levels and bundled pathways.
• "Digital Product" — any Content or Course supplied to you in digital form, including one-off purchases and downloadable resources.
• "Platform" — the FCI website, learning environment, member area, community features and any associated applications.
• "Services" — collectively the Platform, Courses, Digital Products, community access and any other services we provide.
• "Subscription" — a recurring, periodically billed right of access to specified Services.
• "User", "you", "your" — any person accessing the Platform, whether or not they have purchased anything.

1.3 Acceptance of these Terms

By accessing the Platform, creating an Account, or purchasing any Course, Digital Product or Subscription, you confirm that you have read, understood and agree to be bound by these Terms.

If you do not agree to these Terms, you must not use the Platform or purchase our Services.

1.4 Other documents that apply

These Terms should be read together with our Privacy Policy, Cookie Policy and Refund Policy, together with any specific terms presented to you at the point of purchase for a particular Course, Subscription or club/academy licence.

Where a conflict arises between these Terms and specific terms agreed in a signed written agreement with a Business Customer, the signed agreement prevails for that customer.

2. Eligibility and Account Registration

2.1 Minimum age

You must be at least 18 years old to create an Account or purchase any Service. Where local law requires a higher minimum age for entering into contracts or consenting to the processing of personal data, that higher age applies to you.

We do not knowingly provide Services to persons under 18. If we become aware that an Account has been created by a person under the required age, we may suspend or close that Account and, where applicable, refund amounts paid in accordance with applicable law.

2.2 Registration information

When creating an Account, you agree to:

• provide accurate, current and complete information;
• keep that information up to date;
• not register on behalf of another person without their authorisation;
• not create an Account using a false identity.

2.3 Account security

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your Account. You must:

• keep your password secure and not disclose it to any third party;
• notify us without undue delay at info@footballcoachinginstitute.com if you become aware of any unauthorised use of your Account;
• not permit any other person to access the Services using your credentials.

We are not liable for losses arising from unauthorised use of your Account, except where such unauthorised use results from our failure to take appropriate technical and organisational security measures, or where liability cannot be excluded under applicable law.

2.4 One Account per person

Accounts are personal. Unless you have purchased a club, academy or multi-seat licence, your Account may be used by you alone. Sharing Account credentials is a material breach of these Terms (see Sections 6 and 10).

2.5 Refusal and termination of Accounts

We may refuse to create, or may suspend or terminate, an Account where:

• the registration information provided is inaccurate, incomplete or misleading;
• we have reasonable grounds to suspect fraud, unauthorised payment or abuse;
• the Account is used in breach of these Terms;
• we are required to do so by law or by a competent authority.

Where we suspend or terminate an Account, we will notify you and give reasons, unless prevented from doing so by law. Section 15 sets out the consequences of termination.

3. Courses, Digital Products and Services

3.1 What we provide

FCI provides online coach education. Depending on what you purchase, this may include:

• structured Courses delivered in modules and lessons;
• video, written and downloadable materials;
• practical frameworks, templates and planning tools;
• assessments, reflection exercises and case studies;
• access to community features, webinars and events;
• certificates of completion issued by FCI.

The specific inclusions for each Course, bundle or Subscription are described on the relevant product page at the time of purchase.

3.2 Nature of online education

Our Services are self-directed online education. Unless expressly stated on the product page, there is no live tutoring, personal supervision or one-to-one mentoring; no assessment by an external examining body; no set timetable, cohort or deadline; and no guarantee of a response within a specified period to questions posted in community areas.

3.3 No guarantee of qualification, employment or career outcome

Where we describe outcomes achieved by other users, coaches or clubs, these are illustrative examples only. They are not typical results and are not a promise, projection or guarantee of what you will achieve.

3.4 Access period

Unless expressly stated otherwise on the relevant product page, access to a Course purchased as a one-off purchase is granted for twelve (12) months from the date of purchase.

During that period you may access the Course as often as you wish, at your own pace. At the end of the access period, your right to access that Course through the Platform ends. Materials expressly offered for download remain subject to the licence in Section 6, which does not expire but also does not permit any use beyond the scope of that licence.

3.5 Course availability and changes

We may from time to time update, revise, improve, correct or expand Content; reorganise modules, lessons or Course structure; replace materials with updated versions; or withdraw individual items of Content where necessary for legal, licensing, accuracy or technical reasons.

We will not make changes that materially reduce the substance of a Course you have already purchased during your access period. Where we withdraw material parts of a Course you have purchased and cannot provide a reasonably equivalent replacement, you may be entitled to a proportionate refund in accordance with applicable law and our Refund Policy.

3.6 Technical requirements

You are responsible for ensuring you have the equipment, software and internet connection necessary to access the Services. Minimum technical requirements, where relevant, are stated on the Platform.

4. Subscriptions and Memberships

4.1 Subscription products

Where we offer a Subscription, the product page will state before you purchase: the recurring price; the billing frequency; what the Subscription includes; the minimum term, if any; and how to cancel.

4.2 Billing and automatic renewal

Unless stated otherwise, Subscriptions renew automatically at the end of each billing period, the applicable fee is charged to your stored payment method at the start of each new period, and renewal continues until you cancel. We will send you a reminder before renewal where required by applicable law.

4.3 Cancellation

You may cancel your Subscription at any time via your Account settings, or by contacting us at info@footballcoachinginstitute.com.

Cancellation takes effect at the end of the current billing period. You will retain access until that date. We do not provide partial refunds for unused portions of a billing period unless required by applicable law or stated in our Refund Policy.

4.4 What happens after cancellation

On expiry of your Subscription, your access to Subscription Content ends. Courses you purchased separately as one-off purchases are not affected and remain accessible for the remainder of their twelve (12) month access period. We may retain your Account and progress data for a reasonable period in accordance with our Privacy Policy, so that you can resubscribe without losing your history.

4.5 Introductory offers and promotional pricing

Where we offer an introductory rate, discount, trial or promotional price, the offer terms, including the duration of the discounted period and the price that applies afterwards, will be stated clearly before purchase. Unless stated otherwise, promotional pricing applies to the first billing period only, after which the standard price applies. Promotional offers may be limited to new customers, may not be combined, and may be withdrawn at any time in respect of future purchases.

4.6 Price changes

We may change Subscription prices. For existing subscribers, we will give you at least 30 days' notice in writing (including by email) before a price change takes effect. The new price applies from your next renewal after the notice period. If you do not accept the new price, you may cancel before it takes effect, and your Subscription will end at the end of your current billing period.

Price changes never apply retroactively to periods you have already paid for.

4.7 Failed payments

If a payment fails, we may retry the payment, will notify you and give you a reasonable opportunity to update your payment method, and may suspend access to Subscription Services until payment is successfully made. If payment remains outstanding after a reasonable period, we may terminate the Subscription.

Where you are a Business Customer, we reserve the right to charge statutory interest and reasonable recovery costs on overdue amounts in accordance with applicable law.

5. Payments, Taxes and Refunds

5.1 Payment processing

Payments are processed by our third-party payment provider, Stripe. We do not receive or store your full card details. Your use of the payment provider's services is subject to their own terms and privacy policy.

5.2 Prices, currency and taxes

• Prices are displayed in euro (EUR) unless stated otherwise.
• For Consumers in the EU/EEA, prices are shown inclusive of applicable VAT.
• VAT on digital services supplied to Consumers within the EU is charged at the rate applicable in the customer's country of residence, in accordance with EU place-of-supply rules.
• For Business Customers within the EU providing a valid VAT identification number, the reverse-charge mechanism may apply.
• Customers outside the EU are responsible for any import duties, local taxes or charges levied in their own jurisdiction.

5.3 Payment obligation

By completing a purchase you authorise us, via our payment provider, to charge the stated amount to your chosen payment method. Access to the purchased Service is provided once payment has been successfully received.

5.4 Right of withdrawal for Consumers (EU/EEA)

If you are a Consumer resident in the EU/EEA, you normally have a statutory right to withdraw from a distance contract within 14 days without giving a reason.

5.5 Refunds

Outside the statutory withdrawal right described above, refunds are governed by our Refund Policy, which forms part of these Terms. In summary:

• One-off Course purchases: refundable in accordance with the statutory withdrawal right where it applies; otherwise at our discretion, or where the Service is materially defective or not as described.
• Subscriptions: cancellation stops future billing; amounts already paid for the current period are not generally refunded, subject to your statutory rights.
• Club and academy licences: governed by the specific agreement in place; the statutory Consumer withdrawal right does not apply to Business Customers.

Nothing in this section limits your statutory rights as a Consumer, including your rights where digital content is faulty, not as described, or not fit for purpose.

5.6 Chargebacks

If you initiate a chargeback in respect of a payment, we may suspend your Account pending resolution. We ask that you contact us first at info@footballcoachinginstitute.com so that we can attempt to resolve the matter directly.

6. Intellectual Property

6.1 Ownership

All intellectual property rights in the Platform and the Content — including copyright, database rights, trade marks, designs and know-how — are owned by or licensed to FCI. This includes, without limitation: video lessons, written modules, course structures, methodologies, frameworks, models, diagrams, templates, worksheets, assessments, the FCI name, logo, branding and visual identity.

Nothing in these Terms transfers ownership of any intellectual property to you.

6.2 Licence granted to you

Subject to your compliance with these Terms and payment of applicable fees, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the Content:

• for your own personal learning and professional development;
• for your own coaching practice, including using templates and frameworks in your own sessions and with your own players;
• for the duration of your access period.

6.3 What you may not do

You may not, without our prior written permission:

• copy, reproduce, republish, upload, post, transmit or distribute Content;
• resell, sublicense, rent, lease or otherwise commercially exploit Content;
• share, sell or transfer your Account credentials, or allow others to access the Content through your Account;
• record, screen-capture, download (other than materials expressly offered for download) or otherwise reproduce video Content;
• use the Content to create, deliver or sell competing coaching education, courses, workshops or training materials;
• present the Content, in whole or substantial part, as your own work or your own organisation's methodology;
• remove, obscure or alter any copyright, trade mark or other proprietary notice.

6.4 Permitted internal use for Business Customers

Where you have purchased a club, academy or multi-seat licence, the scope of permitted internal use is set out in that licence agreement. Absent such an agreement, the personal licence in Section 6.2 applies and does not extend to your colleagues, staff or organisation.

6.5 Enforcement

Unauthorised use of the Content is a material breach of these Terms and may also infringe copyright and other laws. We reserve the right to suspend or terminate access, and to pursue any remedies available to us, including injunctive relief and damages.

7. User-Generated Content

7.1 Scope

This section applies to any material you submit, post or upload to the Platform, including community posts, comments, questions, feedback, session plans, case studies, video and images ("User Content").

7.2 Your responsibility and warranties

You remain responsible for your User Content. By submitting it, you warrant that:

• you own it, or have all necessary rights and permissions to submit it;
• it does not infringe the intellectual property, privacy or other rights of any third party;
• it is not unlawful, defamatory, discriminatory, harassing, abusive, obscene or otherwise objectionable;
• it does not contain malware or harmful code;
• where it contains personal data about any other person, you have a lawful basis for sharing it.

7.3 Content concerning minors

7.4 Moderation

We may, but are not obliged to, review User Content. We may remove, edit or refuse to publish any User Content that in our reasonable opinion breaches these Terms, is unlawful, or is otherwise inappropriate. We may suspend or terminate Accounts of users who repeatedly breach this section.

7.5 Licence to us

You retain ownership of your User Content. By submitting it, you grant us a worldwide, non-exclusive, royalty-free licence to host, store, reproduce, display and distribute it to the extent necessary to operate, provide and promote the Platform and its community features.

This licence ends when you delete your User Content or close your Account, except to the extent it has been shared with other users who retain copies, where we are required to retain it by law, or in respect of anonymised or aggregated data that no longer identifies you.

7.6 Feedback

If you send us suggestions, ideas or feedback about our Services, we may use them freely without obligation, restriction or compensation to you.

8. AI Tools and Automated Features

8.1 Nature of AI features

The Platform may include features that use artificial intelligence or automated processing to generate suggestions, summaries, analysis, feedback or recommendations ("AI Outputs").

8.2 Educational support only

AI Outputs are provided as an educational and organisational support tool only. They are not professional advice, and they are not a substitute for your own judgement as a coach.

8.3 No guarantee of accuracy

AI Outputs may be inaccurate, incomplete, outdated or inappropriate for your specific situation; may reflect limitations or biases in the underlying models or data; are generated automatically and are not individually reviewed by us before you see them; and must not be relied upon for any decision affecting a player's health, safety, welfare, selection or development without your own independent assessment.

8.4 Your responsibility

You remain fully responsible for all coaching decisions, assessments and actions you take, whether or not informed by AI Outputs. You must not use AI Outputs as the sole basis for any decision concerning a player, particularly decisions relating to injury, medical matters, safeguarding, selection or deselection.

8.5 Prohibited inputs

You must not input into any AI feature: personal data of identifiable minors; medical, health or safeguarding information about any individual; or confidential information belonging to a club, employer or third party which you are not authorised to disclose.

8.6 Availability

AI features may be modified, limited or withdrawn at any time. They may be provided by third-party model providers, in which case their processing terms may also apply. Details are set out in our Privacy Policy.

9. Educational Disclaimer

9.1 Informational and educational purpose

All Content is provided for general educational and informational purposes. It reflects our views, methodology and interpretation of available research and practice at the time of publication.

9.2 Not professional advice

The Content is not, and must not be relied upon as: medical, physiotherapy, nutritional or psychological advice; safeguarding, child protection or legal advice; financial or career advice; or a substitute for qualified professional assessment where such assessment is appropriate.

Where a matter concerns a player's physical health, mental health, safeguarding or welfare, you must involve appropriately qualified professionals and follow the policies of your club, academy and governing body.

9.3 No guaranteed outcomes

We do not guarantee any sporting, developmental, professional, financial or employment outcome arising from use of the Content. Results depend on many factors outside our control, including your own application, context, resources and the individuals you work with.

9.4 No representation of compliance with third-party requirements

We do not represent or warrant that the Content complies with, satisfies, or is accepted by the requirements, curricula, licensing frameworks or codes of any federation, confederation, league, club, academy or governing body, unless expressly stated in writing on the relevant product page.

It is your responsibility to ensure that your coaching practice complies with the rules, policies and safeguarding requirements of the organisations you work within and the law of the country in which you coach.

10. Prohibited Use

You must not:

• share, sell, transfer or publish your Account credentials, or access the Services using credentials that are not your own;
• copy, scrape, harvest, mine or extract Content or data from the Platform by automated means, including bots, crawlers and scripts;
• circumvent, disable or interfere with security features, access controls, digital rights management or usage limits;
• reverse engineer, decompile or disassemble any part of the Platform, except to the extent this restriction is prohibited by applicable law;
• introduce malware, viruses or any other harmful code;
• interfere with or place undue load on the Platform's infrastructure;
• use the Services for any unlawful, fraudulent or deceptive purpose;
• impersonate any person or misrepresent your affiliation with any person or organisation;
• harass, threaten, defame or discriminate against any other user or member of our team;
• use the Services to develop, train or improve any competing product, service or machine-learning model;
• use the Content in any way that breaches the licence in Section 6.

Breach of this section is a material breach of these Terms and may result in immediate suspension or termination without refund, subject to applicable law.

11. Third-Party Services and Links

11.1 Third-party providers

We rely on third-party providers to operate the Services, including payment processing, hosting, video delivery, email, analytics and community infrastructure. Their availability and performance are outside our direct control.

11.2 External links

The Platform may contain links to third-party websites, research, tools or resources. These are provided for convenience and information. We do not control, endorse or assume responsibility for their content, accuracy, availability, products or privacy practices.

11.3 Your relationship with third parties

Where you enter into a separate relationship with a third party, that relationship is between you and them, and is governed by their terms. We are not liable for the acts, omissions, failures or content of third parties, except to the extent that a failure results from our own breach of these Terms or where liability cannot be excluded under applicable law.

12. Availability and Technical Issues

12.1 No guarantee of uninterrupted availability

We aim to keep the Platform available and functioning, but we do not guarantee that it will be available at all times, uninterrupted, error-free or secure against every possible threat.

12.2 Maintenance and changes

We may suspend, restrict or modify access to all or part of the Platform in order to carry out maintenance, updates, repairs or improvements. Where planned, we will give reasonable notice where practicable and will aim to schedule such work to minimise disruption.

12.3 Restoration

Where the Services are interrupted, we will use reasonable efforts to restore them within a reasonable period.

12.4 Extended unavailability

If Services you have paid for are unavailable for an extended period due to a fault on our side, you may be entitled to a proportionate reduction, extension of your access period, or refund, in accordance with applicable law.

13. Disclaimers and Limitation of Liability

13.1 Provision "as is", subject to statutory rights

To the extent permitted by applicable law, the Services and Content are provided without warranties of any kind, whether express or implied, including implied warranties of satisfactory quality, fitness for a particular purpose or non-infringement.

Nothing in this section affects your statutory rights as a Consumer, including your rights in respect of digital content that is faulty, not as described, or not fit for purpose.

13.2 Liability we do not exclude

Nothing in these Terms excludes or limits our liability for:

• death or personal injury caused by our negligence;
• fraud or fraudulent misrepresentation;
• gross negligence or intentional misconduct;
• any other liability which cannot lawfully be excluded or limited under applicable law, including mandatory Consumer protection law and mandatory provisions of Estonian law.

13.3 Liability to Consumers

Where you are a Consumer, we are liable for foreseeable loss and damage caused by our breach of these Terms or our negligence. We are not liable for loss or damage that was not foreseeable at the time the contract was made.

We are not liable for loss or damage arising from your failure to follow reasonable instructions or applicable law; your own coaching decisions or professional judgement; use of the Content or AI Outputs contrary to Sections 8 and 9; or factors outside our reasonable control.

13.4 Liability to Business Customers

Where you are a Business Customer, and to the maximum extent permitted by law:

• (a) we shall not be liable for any indirect or consequential loss, loss of profit, loss of revenue, loss of anticipated savings, loss of business or business opportunity, business interruption, loss of goodwill or reputational damage, or loss or corruption of data;
• (b) our total aggregate liability arising out of or in connection with these Terms, whether in contract, tort (including negligence), breach of statutory duty or otherwise, shall not exceed the total amount paid by you to us in the twelve (12) months immediately preceding the event giving rise to the claim;
• (c) the exclusions and limitations in this Section 13.4 do not apply to the matters listed in Section 13.2.

13.5 Data and backups

You are responsible for retaining your own copies of any work, notes, plans or materials you create using the Platform. We maintain backups in accordance with good industry practice but do not guarantee that data can always be recovered.

14. Indemnification

14.1 Business Customers

If you are a Business Customer, you agree to indemnify and hold us harmless against reasonable losses, damages, liabilities, costs and expenses (including reasonable legal fees) arising directly from:

• your breach of these Terms;
• your unlawful or negligent use of the Services;
• User Content you submit, including any claim that it infringes third-party rights or breaches data protection law;
• your coaching decisions, activities or professional conduct.

This indemnity does not apply to the extent the loss arises from our own breach, negligence or unlawful act.

14.2 Consumers

If you are a Consumer, you are not subject to the indemnity in Section 14.1. Your liability to us is limited to the compensation available under general law for loss we suffer as a result of your breach of these Terms.

15. Suspension and Termination

15.1 Termination by you

You may stop using the Services at any time. You may close your Account via your Account settings or by contacting info@footballcoachinginstitute.com. Closing your Account does not automatically entitle you to a refund; refunds are governed by Section 5 and our Refund Policy.

15.2 Suspension or termination by us

We may suspend or terminate your access, in whole or in part, where:

• you materially breach these Terms, including Sections 6, 7 and 10;
• payment is not received or is reversed;
• we reasonably suspect fraudulent, unlawful or abusive activity;
• your conduct harms or is likely to harm other users, our team or our reputation;
• we are required to do so by law.

15.3 Proportionality and notice

Except where the breach is serious, unlawful or fraudulent, or where we are legally prevented from doing so, we will notify you of the issue, give you a reasonable opportunity to remedy it where it is capable of remedy, and suspend rather than terminate where suspension is a proportionate response.

15.4 Consequences of termination

On termination, your right to access the Platform and Content ends immediately; licences granted to you under Section 6 terminate; you must cease all use of the Content and delete downloaded materials, save where you are permitted by law to retain them; outstanding sums owed to us remain payable; and where termination is due to our breach, you may be entitled to a refund of amounts paid for Services not received.

Where we terminate for your material breach, we are not obliged to refund amounts already paid, except where a refund is required by applicable law.

15.5 Survival

Sections 6 (Intellectual Property), 7.5 (Licence to us), 9 (Educational Disclaimer), 13 (Disclaimers and Limitation of Liability), 14 (Indemnification), 15.4 (Consequences of Termination), 18 (Governing Law and Dispute Resolution) and 19 (Miscellaneous) survive termination, together with any other provision which by its nature is intended to survive.

16. Privacy and Data Protection

We process personal data in accordance with the EU General Data Protection Regulation (GDPR), the Estonian Personal Data Protection Act and other applicable data protection law.

Full details of what we collect, why, on what legal basis, how long we keep it and your rights are set out in our Privacy Policy and Cookie Policy.

Those documents are not repeated here but form part of your agreement with us. Where a conflict arises between these Terms and the Privacy Policy in respect of the processing of personal data, the Privacy Policy prevails.

17. Changes to these Terms

17.1 Our right to update

We may update these Terms from time to time, for example to reflect changes in our Services, our business, or applicable law.

17.2 Notice of changes

For minor changes (clarifications, corrections, formatting), we will update the version and date at the top of this document. For material changes affecting your rights or obligations, we will give you at least 30 days' notice by email and/or prominent notice on the Platform before they take effect.

17.3 Your options

If you do not accept a material change, you may terminate your Account or cancel your Subscription before the change takes effect. For Subscriptions, you may cancel with effect from the end of your current billing period.

17.4 Purchases already made

Changes to these Terms do not retroactively alter the terms applicable to a purchase you have already completed, except where required by law or where the change is to your benefit.

18. Governing Law and Dispute Resolution

18.1 Governing law

These Terms and any dispute arising out of them are governed by the laws of the Republic of Estonia, excluding its conflict-of-law rules and excluding the United Nations Convention on Contracts for the International Sale of Goods.

18.2 Mandatory Consumer protections preserved

Where you are a Consumer habitually resident in another country, this choice of law does not deprive you of the protection afforded to you by mandatory provisions of the law of your country of residence that cannot be derogated from by agreement.

In practice, this means that if the consumer law of your home country gives you stronger rights than Estonian law in a particular respect, those stronger rights continue to apply to you.

18.3 Jurisdiction — Consumers

Where you are a Consumer, you may bring proceedings against us in the courts of Estonia or in the courts of your country of residence. We may bring proceedings against you only in the courts of your country of residence.

18.4 Jurisdiction — Business Customers

Where you are a Business Customer, the courts of Estonia have exclusive jurisdiction, and you and we submit to that jurisdiction.

18.5 Complaints

We would like the opportunity to resolve any issue directly. Please contact us at info@footballcoachinginstitute.com setting out the nature of your complaint. We will acknowledge your complaint within 5 working days and aim to provide a substantive response within 14 working days.

18.6 Alternative dispute resolution

Consumers resident in the EU may also submit disputes to the European Commission's Online Dispute Resolution platform: https://ec.europa.eu/consumers/odr

19. Miscellaneous

19.1 Severability. If any provision of these Terms is held to be invalid, unlawful or unenforceable, that provision shall be modified to the minimum extent necessary to make it valid, or if that is not possible, severed. The remaining provisions continue in full force.

19.2 Entire agreement. These Terms, together with the Privacy Policy, Cookie Policy, Refund Policy and any product-specific terms, constitute the entire agreement between you and us in respect of the Services, and supersede any prior arrangement. Nothing in this clause limits liability for fraudulent misrepresentation, or affects a Consumer's statutory rights.

19.3 Assignment. You may not assign or transfer your rights under these Terms without our prior written consent. We may assign or transfer our rights and obligations, including in connection with a merger, acquisition or sale of assets, provided this does not reduce your rights under these Terms. Where you are a Consumer, we will notify you of any such transfer.

19.4 Waiver. A failure or delay by either party in exercising a right does not constitute a waiver of that right, and does not prevent later exercise of it.

19.5 Force majeure. Neither party is liable for failure or delay in performing its obligations where caused by events beyond its reasonable control, including natural disasters, war, terrorism, civil unrest, epidemic, government action, failure of public infrastructure, internet or telecommunications failures, or large-scale cyber attack. This does not affect a Consumer's right to a refund for Services not received.

19.6 No partnership or employment. Nothing in these Terms creates a partnership, joint venture, agency, franchise or employment relationship between you and us.

19.7 Notices. We may send notices to the email address associated with your Account. You may send notices to us at info@footballcoachinginstitute.com. Notices are deemed received on the next working day after sending, unless there is evidence to the contrary.

19.8 Language. These Terms are drafted in English. Where we provide a translation, the English version prevails in the event of inconsistency, except where mandatory law in your country of residence requires otherwise.

19.9 Third-party rights. No person other than you and us has any right to enforce these Terms.

20. Contact Information