Terms & Conditions

Chxrles LTD (trading as Pip Decks)

Effective Date: 20 March 2026

Introduction

Welcome to ai.pipdecks.com (the "Website"), operated by Chxrles LTD, a company registered in England and Wales under Company No. 11587388 ("Company", "we", "us", or "our"). These Terms and Conditions ("Terms", "Agreement") govern your access to and use of our Website and all related tools, data, software, and services provided by Chxrles LTD in connection with the Just A.S.K. digital training course (the "Services").

This Agreement is designed to ensure a clear understanding of the rules and standards governing your use of our Services.

Acceptance of Terms

By registering for, accessing, browsing, or using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you should not use or access our Services. We may modify these Terms at any time without prior notice to you by posting revised Terms on our Website. Your use of the Services following any such modification constitutes your agreement to follow and be bound by the Terms as modified.

1. The Product

Just A.S.K. is a digital training course consisting of video recordings, supplementary materials, and related digital content. The exact contents depend on the tier and options selected at checkout.

2. Account Registration and Access

2.1 Account Access: To access the course content, you must provide a valid email address. After purchase, you will receive access via an email containing a secure access link ("magic link"). No physical goods are shipped.

2.2 Account Responsibilities: You are responsible for maintaining the confidentiality of your access credentials and are fully responsible for any and all activities that occur under your account. You agree to immediately notify us of any unauthorised use of your account or any other breach of security.

2.3 Data Integrity: The Company assumes no responsibility for the timeliness, deletion, misdelivery, or failure to store any user communications or personalisation settings.

3. Pricing and Payment

3.1 Pricing: Prices are displayed at checkout in your automatically detected currency (GBP, USD, EUR, CAD, or AUD). All prices include VAT where applicable. The final price you pay is the amount shown on the checkout page at the time of purchase.

3.2 Payment Options: We may offer the following payment options:

(a) Single Payment: Full payment at the time of purchase.

(b) Instalment Plan: Payment of the total price in four (4) equal monthly instalments. The first instalment is charged at the time of purchase, and the remaining three instalments are charged automatically to the same payment method at monthly intervals thereafter. The instalment plan is not a credit agreement, no interest or fees are charged, and the total amount payable is disclosed at checkout regardless of payment option chosen.

3.3 Instalment Plan Terms: If you select the instalment plan:

(a) All four instalments are due and payable. By selecting the instalment plan, you agree to pay the full price of the course across four monthly payments.

(b) Full access to all course content is granted upon successful processing of the first instalment.

(c) The instalment plan ends automatically after the fourth payment. No further charges will be made and no action is required from you to stop payments.

(d) If a scheduled payment fails, we will attempt to process the payment again in accordance with our payment processor's retry schedule (typically up to three attempts over approximately seven days). We will notify you by email if a payment fails.

(e) If all payment retry attempts are exhausted and the outstanding instalment remains unpaid, we will send you a final notice by email. If the payment is not resolved, your access to the course content will be suspended until the outstanding payment is made.

(f) You may contact support@pipdecks.com at any time to update your payment method or resolve a payment issue.

3.4 Payment Processing: All payments are processed securely by Stripe. Your card details are handled entirely by Stripe and are never stored on our servers. We accept major credit and debit cards.

3.5 Price Changes: We reserve the right to adjust pricing for our Services or any components thereof in any manner and at any time as we may determine in our sole discretion. Any price change will not affect purchases already completed or instalment plans already in progress.

4. Digital Content Waiver

4.1 By completing your purchase (whether by single payment or by making the first instalment payment), you expressly request and consent to immediate access to the full digital course content.

4.2 You acknowledge that because the digital content is made available to you in full immediately upon your first payment, you lose your statutory right to cancel under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 (UK) and the Consumer Rights Directive 2011/83/EU (EU).

4.3 If you selected the instalment plan, this waiver applies to the entire purchase. You acknowledge that:

(a) The course content is delivered in full upon the first instalment payment;

(b) The remaining instalment payments represent the balance of the agreed purchase price for content already received;

(d) You have been clearly informed of this before completing your purchase.

4.4 Where required by law, you will be asked to confirm this consent via an explicit checkbox at checkout before your order is processed.

5. Cancellation and Refund Policy

5.1 Single Payment Purchases: Because this is a digital product with immediate access (see Section 4 above), your statutory right to cancel is waived once digital content access begins, as consented to at checkout.

5.2 Instalment Plan Purchases:

(a) Before the first payment is processed, you may cancel your order at any time and no charges will apply.

(b) After the first payment is processed, because you receive full access to the course content upon the first payment and have waived your cancellation rights, all four instalment payments remain due. Payments already made are non-refundable.

(c) If you contact us to request cancellation of your remaining instalments, we may, at our discretion, cancel future payments. However, you will not be entitled to a refund of instalments already paid, and your access to the course content may be suspended.

5.3 Refund requests are handled in accordance with our refund policy, available at pipdecks.com/policies/refund-policy. If you believe you are entitled to a refund under applicable consumer protection law, please contact support@pipdecks.com and we will review your request on a case-by-case basis.

5.4 Nothing in this section affects your statutory rights under applicable consumer protection law.

6. Intellectual Property Rights

6.1 Ownership and Restrictions: All intellectual property in the Services — including software, video recordings, audio, text, images, graphics, and supplementary materials — is owned by or licensed to Chxrles LTD. No material from the Services may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way except as expressly permitted in these Terms.

6.2 Licence: Your purchase grants you a personal, non-transferable licence to access and view the course content for your own use. You may not:

Redistribute, resell, or share the course content with others
Record, download, or copy the course content (except where explicitly provided)
Use the course content for commercial training or resale purposes
Create derivative works based on the course content for distribution

6.3 User-Generated Content: If you submit, post, or display any content through our Services (such as community contributions or feedback), you retain all rights to that content. You are responsible for protecting those rights. By submitting content, you grant us a non-exclusive, worldwide, royalty-free licence to use, display, and distribute that content in connection with the Services.

7. Use of AI Tools

The course teaches approaches for using AI tools in a business context. It does not constitute professional advice of any kind — including legal, financial, technical, or otherwise. You should not treat any course content as a substitute for qualified professional guidance.

Chxrles LTD (trading as Pip Decks) is not liable for any outcomes, damages, or losses resulting from your use of AI tools or techniques taught in the course. This includes, without limitation, decisions made based on AI-generated output, errors in AI-generated content, or any consequences arising from applying course techniques in your business.

You are responsible for reviewing and validating any AI-generated output before using it in your business, sharing it with others, or relying on it for any purpose. AI tools can produce inaccurate, incomplete, or misleading results, and you should treat all AI output as a starting point that requires your own judgement and verification.

AI tools referenced in the course (including but not limited to ChatGPT, Claude, and similar services) are third-party products with their own terms of service, pricing, and availability. Pip Decks does not control, endorse, or guarantee the availability, accuracy, or behaviour of any third-party AI tool. Changes to those tools — including feature removal, pricing changes, or discontinuation — are outside our control.

Results shown in testimonials and marketing materials reflect individual experiences. They are not guaranteed outcomes. Your results will depend on your own effort, existing skills, business context, and many other factors.

You should exercise your own judgement and seek independent professional advice where appropriate — particularly for legal, financial, regulatory, or safety-critical decisions.

8. Prohibited Conduct

8.1 Usage Restrictions: You agree not to engage in any of the following prohibited activities: (i) copying, distributing, or disclosing any part of the Services in any medium, including without limitation by any automated or non-automated "scraping"; (ii) using any automated system, including "robots," "spiders," "offline readers," or similar technology, to access the Services in a manner that sends more request messages to our servers than a human can reasonably produce in the same period by using a conventional online web browser; (iii) attempting to interfere with, compromise the system integrity or security of, or decipher any transmissions to or from the servers running the Services.

8.2 Legal Compliance: You shall not use the Services for any unlawful purpose or in any manner inconsistent with these Terms, nor act fraudulently or maliciously — for example, by hacking into or inserting malicious code, including viruses or harmful data, into the Services or any operating system.

8.3 Account Sharing: You may not share your access credentials or magic link with any other person. Each purchase grants access to a single individual only.

9. Disclaimers and Limitations of Liability

9.1 Services "As Is": We provide the Services on an "as is" and "as available" basis. You therefore use the Services at your own risk.

9.2 No Warranties: We expressly disclaim any and all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

9.3 Liability Limitation: To the fullest extent permitted by law, neither Chxrles LTD nor its directors, employees, partners, suppliers, or affiliates will 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 (i) your access to or use of or inability to access or use the Services; (ii) any conduct or content of any third party on the Services; (iii) any content obtained from the Services; and (iv) unauthorised access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, and whether or not we have been informed of the possibility of such damage.

9.4 Maximum Liability: Our total aggregate liability to you for any claim arising from your purchase or use of the Services shall not exceed the total amount you paid for the Product.

9.5 Statutory Rights: Nothing in these Terms excludes or limits our liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded or limited by applicable law. Nothing in these Terms affects your statutory rights as a consumer.

10. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of England and Wales, without regard to conflict of law principles.

11. Dispute Resolution

11.1 Informal Negotiations: To expedite resolution and reduce the cost of any dispute, controversy, or claim related to these Terms ("Dispute"), you and Chxrles LTD agree to first attempt to negotiate any Dispute informally for at least thirty (30) days before initiating any arbitration or court proceeding. Such informal negotiations commence upon written notice from one party to the other.

11.2 Jurisdiction: If you and Chxrles LTD are unable to resolve a Dispute through informal negotiations, any Dispute shall be subject to the exclusive jurisdiction of the courts of England and Wales. If you are a consumer residing in the EU or UK, you retain any mandatory rights to bring proceedings in your local courts as provided by applicable law.

12. Changes to These Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. Any changes will be posted on this page with an updated effective date. We will endeavour to provide reasonable notice before any material changes take effect. Your continued use of our Services after any such changes shall constitute your consent to such changes.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full force and effect.

14. Entire Agreement

These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and Chxrles LTD regarding your use of the Services, and supersede all prior agreements, understandings, and communications.

15. Contact Information

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

Email: support@pipdecks.com Company: Chxrles LTD (trading as Pip Decks), Company No. 11587388, registered in England and Wales