General Terms and Conditions of Service

Effective date: 23 April 2026 Version: 2026.04.23

1. Introduction and Acceptance

1.1 About these Terms

These General Terms and Conditions of Service govern access to and use of the ANNUVELL platform and the services made available through it. ANNUVELL is a connected digital ecosystem that includes a public website, a marketplace for services, an eCommerce environment for the sale of goods and digital content, and an online learning environment.

1.2 Binding Agreement

These Terms form a binding agreement between you and the operator of the ANNUVELL platform (the Company, we, us or our). By accessing, browsing, registering for, purchasing through, listing on, enrolling in, or otherwise using any part of the platform, you confirm that you have read, understood, and agree to be bound by these Terms and any policies expressly incorporated into them.

1.3 If You Do Not Agree

If you do not agree to these Terms, you must not access or use the platform.

1.4 Scope of Application

These Terms apply to the ANNUVELL ecosystem, including the main website, marketplace, store, school, associated subdomains, APIs, interfaces, customer journeys, account features, and any future services or functionality that we make available unless separate terms expressly apply.

2. Eligibility and Authority

2.1 Legal Capacity

You represent and warrant that you have the legal capacity to enter into a binding agreement under the laws of England and Wales.

2.2 Business or Organisational Use

If you use the platform on behalf of a company, partnership, charity, educational body, or other organisation, you represent and warrant that you have authority to bind that entity to these Terms.

2.3 Accuracy of Information

You must provide accurate, current, and complete information whenever you create an account, place an order, apply to become a seller, submit information to us, or otherwise interact with the platform.

3. Nature of the Platform

3.1 Platform Structure

ANNUVELL may provide one or more of the following:

• access to marketplace listings for the offering and procurement of services;
• access to an online store offering physical goods, digital content, or both;
• access to educational materials, courses, assessments, and learning tools;
• ancillary communication, support, payment, account, moderation, or administrative functions.

3.2 Technology and Intermediary Role

Except where expressly stated otherwise, the Company provides the platform, supporting infrastructure, and associated workflow tools. In marketplace transactions between users, we generally act as an intermediary and technology provider rather than as a contracting party between customer and seller.

3.3 Contracts Between Users

Where a customer procures services or goods from a third-party seller through the marketplace or another facilitated channel, the underlying contract is between the customer and the relevant seller unless we expressly state that we are the seller of record.

3.4 No General Endorsement

The availability of a listing, course, seller profile, product, or item of content on the platform does not amount to our endorsement of it.

4. Changes to the Platform and Terms

4.1 Platform Changes

We may add, modify, suspend, remove, or restrict any feature, content category, integration, workflow, or service made available on the platform where reasonably required for operational, legal, security, commercial, or technical reasons.

4.2 Changes to These Terms

We may update these Terms from time to time. The latest version will be published through the platform. Unless a longer notice period is required by law, revised Terms take effect upon publication or on any later effective date stated in the updated version.

4.3 Continued Use

Your continued use of the platform after revised Terms take effect constitutes acceptance of the updated Terms.

5. Accounts, Credentials, and Security

5.1 Account Registration

Certain features require you to create an account. You are responsible for ensuring that all registration information remains accurate and up to date.

5.2 Credentials

You are responsible for safeguarding your login credentials, authentication factors, and account access devices. You must not share your account in a way that is inconsistent with these Terms or the intended design of the service.

5.3 Unauthorised Access

You must notify us promptly if you know or suspect unauthorised access to your account or a security incident affecting your use of the platform.

5.4 Our Right to Act

We may suspend, restrict, challenge, or terminate access to an account where we reasonably consider this necessary for security, fraud prevention, legal compliance, breach investigation, or platform integrity.

6. Main Website Use

6.1 Informational Content

The main ANNUVELL website may contain informational, promotional, editorial, educational, or navigational content. Unless expressly stated otherwise, such content is provided for general information only.

6.2 No Professional Advice

Unless expressly stated otherwise, content on the platform is not legal, financial, medical, tax, or regulated professional advice and should not be relied on as a substitute for professional advice tailored to your circumstances.

7. Marketplace Terms

7.1 Seller Responsibility

Sellers are solely responsible for their listings, service descriptions, delivery, fulfilment, business compliance, taxes, representations, qualifications, and all obligations owed to customers under applicable law and contract.

7.2 Accuracy and Legality

Sellers must ensure that all listings and statements are accurate, not misleading, and lawful.

7.3 Customer Responsibility

Customers are responsible for reviewing listings carefully before placing an order or engaging a seller.

7.4 Marketplace Disputes

Although we may choose to offer messaging, support, moderation, account action, or non-binding dispute assistance, we are not obliged to adjudicate private disputes between users.

7.5 Seller Agreement

Any user acting as a seller may also be required to accept additional seller-specific terms, policies, onboarding requirements, verification checks, payout terms, or compliance obligations. Where applicable, those seller-specific terms supplement these Terms.

8. Store Terms

8.1 Orders

Store orders are subject to acceptance. We may refuse, suspend, or cancel an order where reasonably necessary, including in cases of suspected fraud, pricing error, stock unavailability, technical error, sanctions or compliance concerns, or misuse of the platform.

8.2 Product Information

We take reasonable care to present product information accurately, but images, packaging, colour rendering, and minor specifications may vary.

8.3 Digital Content

Where digital content is supplied, additional rules may apply regarding cancellation, immediate supply, and loss of cancellation rights to the extent permitted by law and only where legally effective consent and acknowledgment have been obtained.

8.4 Consumer Rights

Nothing in these Terms removes or limits any non-excludable rights you have under applicable consumer law.

9. School Terms

9.1 Educational Access

The ANNUVELL School provides access to educational content, learning materials, assessments, and related services.

9.2 Accreditation and Outcomes

Unless expressly stated otherwise, access to or completion of a course does not confer formal accreditation, regulated qualification, or professional certification.

9.3 Learner Conduct

Learners must use the School lawfully, honestly, and in a way that does not compromise assessment integrity, platform security, or the learning experience of others.

10. Payments, Billing, and Third-Party Providers

10.1 Payment Processing

Payments may be processed through third-party payment providers. By making a payment, you also agree to the relevant payment provider’s terms and privacy practices as applicable to that transaction.

10.2 Authorisation

You authorise us and our payment processors to charge the payment method you provide for authorised transactions initiated through your account or checkout process.

10.3 Third-Party Failures

We are not responsible for downtime, latency, or processing failure caused solely by third-party payment systems, banks, card schemes, telecommunications providers, or other external services outside our reasonable control.

11. Refunds, Cancellations, and Returns

11.1 Applicable Policy

Refunds, cancellations, and returns are governed by the nature of the transaction, any applicable specific policy, and your statutory rights.

11.2 Goods, Services, and Digital Content

Different rules may apply to physical goods, digital content, educational services, and marketplace transactions. Please review the relevant Returns and Refunds policy and any transaction-specific information provided at checkout or ordering.

11.3 Marketplace Transactions

For marketplace transactions, the relevant seller remains primarily responsible for legally required refunds, cancellations, and return obligations unless we expressly state otherwise.

12. Intellectual Property

12.1 Ownership

All intellectual property rights in the platform, branding, design, software, databases, workflows, platform text, graphics, logos, and original content made available by us remain owned by us or our licensors.

12.2 Limited Licence

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the platform for its intended purpose.

12.3 Restrictions

You must not copy, distribute, reverse engineer, scrape, republish, reproduce, adapt, create derivative works from, or commercially exploit platform content or functionality except as permitted by law or with our prior written consent.

13. Acceptable Use

You must not:

• use the platform for unlawful, fraudulent, deceptive, abusive, infringing, or harmful purposes;
• upload, transmit, or publish content that is defamatory, threatening, hateful, obscene, or otherwise unlawful;
• interfere with platform availability, performance, or security;
• probe, scan, or test the vulnerability of any system without authorisation;
• introduce malware, malicious code, or harmful automation;
• circumvent fees, access controls, or platform rules;
• misuse another user’s data, identity, account, or content.

14. Data Protection and Privacy

14.1 Privacy Framework

We process personal data in accordance with applicable data protection law, including the UK GDPR, the Data Protection Act 2018, and, where relevant, the Privacy and Electronic Communications Regulations.

14.2 Related Policies

Our Privacy Policy and Cookie Policy explain how personal data and consent preferences are handled and form part of the wider platform framework.

15. Monitoring, Moderation, and Enforcement

We may monitor, review, restrict, remove, or preserve information and activity on the platform where reasonably necessary to operate the service, investigate suspected misconduct, protect users, comply with law, enforce these Terms, or respond to lawful requests.

16. Suspension and Termination

16.1 Our Rights

We may suspend, restrict, or terminate your access to all or part of the platform if we reasonably believe that:

• you have breached these Terms or another applicable policy;
• your activity creates legal, security, fraud, payment, reputational, safeguarding, or operational risk;
• we are required to do so by law, court order, regulatory request, or enforcement authority.

16.2 Effect of Termination

On termination, rights granted to you under these Terms cease immediately, but any provisions that by their nature should survive termination will continue in force.

17. Disclaimers

17.1 Platform Availability

We do not guarantee that the platform will always be available, uninterrupted, secure, or error-free.

17.2 Third-Party Content and Services

We are not responsible for third-party websites, services, seller content, learner content, linked resources, or materials made available by others except to the extent required by law.

18. Limitation of Liability

18.1 Non-Excludable Rights Preserved

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot lawfully be excluded or limited.

18.2 Excluded Losses

To the fullest extent permitted by law, we are not liable for indirect, incidental, consequential, special, or punitive loss, or for loss of profit, revenue, goodwill, opportunity, expected savings, or data arising out of or in connection with use of the platform.

18.3 Liability Cap

To the fullest extent permitted by law, our aggregate liability arising out of or in connection with these Terms or the platform shall be limited to the greater of:

• the total amount paid by you to us in the twelve months preceding the event giving rise to the claim; and
• one hundred pounds sterling (£100),

unless a different cap is expressly required by law or stated in specific supplemental terms.

19. General Provisions

19.1 Entire Agreement

These Terms, together with any supplemental terms or policies expressly incorporated into them, constitute the entire agreement between you and us in relation to their subject matter.

19.2 Severability

If any provision is found invalid or unenforceable, the remaining provisions will continue in full force and effect.

19.3 No Waiver

Any failure or delay by us to enforce a right or provision does not waive that right or provision.

19.4 Assignment

We may assign or transfer our rights and obligations under these Terms where permitted by law. You may not assign your rights or obligations without our prior written consent.

20. Governing Law and Jurisdiction

These Terms and any non-contractual obligations arising out of or in connection with them are governed by the laws of England and Wales. Subject to any mandatory consumer rights that apply, the courts of England and Wales shall have exclusive jurisdiction to resolve disputes arising out of or in connection with these Terms or your use of the platform.