TERMS AND CONDITIONS

1. DEFINITIONS

In these Terms and Conditions, unless the context otherwise requires:

• "We", "us", "our", and "Estate Sensei Limited" refer to Estate Sensei Limited, registered office at 20 Wenlock Road, London, N1 7GU England.
• "You" and "your" refer to the person or entity accessing our Site or purchasing our services and products.
• "Services" refer to our consulting services across three tiers: Base Consulting Services, Core Consulting Services, and Complete Consulting Services.
• "Digital Products" refer to downloadable or accessible digital content including country guides, country reports, market analyses, and other informational products offered through our Site.
• "Account" refers to the user account you create to access certain features of our Site or to purchase Services and Digital Products.

2. ACCEPTANCE OF TERMS

By accessing or using our Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, along with our Privacy Policy available at https://www.estatesensei.com/privacy. If you do not agree to these Terms and Conditions, you must not use our Site or purchase our Services or Digital Products.

We reserve the right to modify these Terms and Conditions at any time. We will notify users of material changes by email or by posting a prominent notice on our Site. Your continued use of our Site following such notification constitutes your acceptance of the modified Terms and Conditions.

3. AGE REQUIREMENTS AND CAPACITY

3.1 Minimum Age Requirements

To purchase or use our Services and Digital Products, you must meet the following minimum age requirements:

• Real Estate Support Services and Relocation Support Services: You must be at least 18 years of age.
• Business Launch & Growth Support Services: You must be at least 16 years of age.
• Digital Products: You must be at least 18 years of age or have parental/guardian consent to make purchases.

3.2 Legal Capacity

By using our Site and purchasing our Services or Digital Products, you represent and warrant that you have the legal capacity to enter into a binding contract and that you are not prohibited from doing so under any applicable law.

4. INTELLECTUAL PROPERTY RIGHTS

4.1 Ownership

All content published and made available on our Site is the property of Estate Sensei Limited and the Site's creators. This includes, but is not limited to, text, graphics, logos, images, video content, audio content, software, code, data compilations, databases, downloadable documents, reports, guides, analyses, and any other materials that contribute to the composition of our Site (collectively, the "Content").

4.2 Proprietary Rights

The Content is protected by copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. Estate Sensei Limited and our licensors retain all rights, title, and interest in and to the Content.

4.3 Limited Licence

When you purchase our Digital Products or Services, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Content for your personal or internal business purposes only. This licence does not include any right to:

• Reproduce, duplicate, copy, or republish any Content for commercial purposes.
• Sell, rent, lease, sublicense, or otherwise transfer the Content to any third party.
• Modify, adapt, translate, or create derivative works based upon the Content.
• Reverse engineer, decompile, or disassemble any software or technology incorporated in the Content.
• Remove, obscure, or alter any proprietary notices (including copyright and trademark notices) from the Content.
• Use the Content in any manner that infringes upon the intellectual property rights of Estate Sensei Limited or any third party.

4.4 Redistribution Prohibited

You expressly agree not to redistribute, share, republish, or make available our Digital Products, reports, guides, or any other Content to third parties, whether for commercial purposes or otherwise. Each purchase grants a licence solely to the individual or entity making the purchase.

4.5 Enforcement

We take the protection of our intellectual property rights seriously. Unauthorised use, reproduction, or distribution of our Content may result in immediate termination of your licence and legal action, including claims for damages and injunctive relief.

5. ACCEPTABLE USE

5.1 Lawful Use

As a user of our Site, you agree to use our Site and our Services and Digital Products lawfully and in accordance with these Terms and Conditions. You agree not to use our Site for illegal purposes or in any manner that violates these Terms and Conditions.

5.2 Prohibited Activities

You specifically agree not to:

• Harass, abuse, threaten, or intimidate other users of our Site.
• Violate the rights of other users, including their privacy rights and intellectual property rights.
• Violate the intellectual property rights of Estate Sensei Limited or any third party.
• Hack into, attempt to gain unauthorised access to, or otherwise compromise the account of another user or any portion of our Site.
• Use automated systems, including but not limited to robots, spiders, scrapers, or offline readers, to access our Site or Content without our express written permission.
• Attempt to interfere with, compromise the system integrity or security of, or decipher any transmissions to or from the servers running our Site.
• Upload, post, transmit, or otherwise make available any content that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, libellous, invasive of another's privacy, hateful, or racially, ethnically, or otherwise objectionable.
• Impersonate Estate Sensei Limited, our employees, representatives, or any other person or entity, or falsely state or otherwise misrepresent your affiliation with any person or entity.
• Engage in any fraudulent activity, including but not limited to making purchases with payment instruments that do not belong to you or providing false information.
• Use our Content, Services, or Digital Products for any unauthorised commercial purpose or to compete with Estate Sensei Limited.
• Post, upload, or distribute any material that may be deemed inappropriate, offensive, or in violation of any applicable law or regulation.
• Use our Site to transmit any computer viruses, worms, defects, Trojan horses, or other items of a destructive nature.

5.3 Enforcement and Remedies

If we believe you are using our Site illegally or in a manner that violates these Terms and Conditions, we reserve the right to:

• Limit, suspend, or terminate your access to our Site and any Services or Digital Products.
• Remove or disable any Content or materials you have uploaded or posted.
• Take any legal steps necessary to prevent you from accessing our Site, including seeking injunctive relief.
• Report your activities to relevant law enforcement authorities.
• Pursue any other remedies available to us at law or in equity.

We reserve the right to investigate and prosecute violations of these Terms and Conditions to the fullest extent of the law. We may involve and cooperate with law enforcement authorities in prosecuting users who violate these Terms and Conditions.

6. USER ACCOUNTS

6.1 Account Creation

To access certain features of our Site and to purchase Services and Digital Products, you are required to create an account. When you create an account on our Site, you agree to the following:

• You will provide accurate, current, and complete information during the registration process.
• You will maintain and promptly update your account information to keep it accurate, current, and complete.
• You are solely responsible for maintaining the confidentiality of your account credentials, including your password.
• You are solely responsible for all activities that occur under your account, whether or not you have authorised such activities.
• You will immediately notify us of any unauthorised use of your account or any other breach of security.

6.2 Account Security

We implement reasonable security measures to protect your account, but you acknowledge that no system is completely secure. You agree to:

• Choose a strong, unique password for your account.
• Not share your account credentials with any third party.
• Log out of your account at the end of each session, particularly when using a shared or public computer.
• Take reasonable precautions to prevent unauthorised access to your account.

6.3 Account Suspension or Termination

We reserve the right to suspend or terminate your account at any time, with or without notice, if:

• You violate these Terms and Conditions or any applicable law or regulation.
• You provide false, inaccurate, or misleading information.
• We suspect fraudulent, abusive, or illegal activity associated with your account.
• We determine, in our sole discretion, that your continued access to our Site poses a risk to us, other users, or third parties.

Upon termination of your account, your right to use our Site and access Services and Digital Products will immediately cease. We will not be liable to you or any third party for any termination of your account or access to our Site.

7. SERVICES AND DIGITAL PRODUCTS

7.1 Services Offered

We offer the following consulting services through our Site:

• Base Consulting Services (£250): Entry-level consulting services addressing immediate real estate, relocation, or business queries. Services include initial consultation, preliminary analysis, and written recommendations. Typical delivery within four (4) weeks of completion of our discovery process.
• Core Consulting Services (£750): Comprehensive consulting services including detailed market analysis, strategic planning, and ongoing advisory support. Services include in-depth research, custom reports, and strategic recommendations. Typical delivery within six (6) weeks of completion of our discovery process.
• Complete Consulting Services (£2,500): Premium consulting services offering end-to-end solutions for complex projects. Services include comprehensive market analysis, detailed strategic planning, implementation guidance, and 90 days of post-delivery support (email response within 48 hours). Typical delivery within ten (10) weeks of completion of our discovery process.

7.2 Digital Products Offered

We offer the following digital products through our Site:

• Country Guides: Comprehensive guides covering real estate markets, regulatory environments, and investment opportunities in specific African countries.
• Country Reports: Detailed market reports providing data-driven analyses of real estate sectors within specific African countries.
• Market Analyses: Specialised reports covering specific market segments, trends, or investment opportunities across African real estate markets.

All Digital Products are delivered via instant digital download or online access upon completion of purchase and payment.

7.3 Service Descriptions and Accuracy

We strive to provide accurate descriptions of our Services and Digital Products. All information, descriptions, specifications, and content displayed on our Site are provided for informational purposes and are as accurate as possible at the time of publication. However, we do not warrant that descriptions, specifications, or other content available on our Site are completely accurate, current, or error-free.

Prices, availability, and specifications of Services and Digital Products are subject to change without notice. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update information at any time without prior notice.

7.4 Discovery Process

Upon purchase of any of our Services, you will be required to complete our dashboard-based discovery process. This process collects essential information about your requirements, objectives, and circumstances to enable us to deliver tailored consulting services. Your prompt and complete participation in the discovery process is essential for timely service delivery.

The discovery process serves as the commencement of work for purposes of cancellation rights (see Section 11).

7.5 No Guarantees of Outcomes

Our Services provide analysis, recommendations, and strategic guidance based on available information and professional judgement. We do not guarantee any specific outcomes, results, or returns from following our recommendations. Real estate markets are subject to numerous external factors beyond our control, and past performance or analysis does not guarantee future results.

7.6 Right to Decline or Terminate Service

7.6.1 Pre-Purchase Declination

Estate Sensei Limited reserves the right to decline service requests before purchase if:

• The requested services fall outside our scope of expertise or geographic coverage
• The objectives violate regulatory constraints or legal requirements
• The request seeks services we do not provide (e.g., FCA-regulated financial advice, legal advice, tax advice, immigration advice)
• We determine, in our reasonable judgement, that we cannot deliver the requested outcomes

If we decline a service request before you complete your purchase, no contract is formed and no payment will be processed.

7.6.2 Post-Purchase Declination or Termination

Estate Sensei Limited reserves the right to decline or terminate service delivery after purchase if we determine, during the discovery process or service delivery, that:

• Unrealistic or Unachievable Objectives: The stated objectives are not achievable within the constraints of the African real estate market, applicable regulations, or reasonable timeframes. Examples include:
  • Requests for guaranteed investment returns or guaranteed property appreciation
  • Expectations that violate local property ownership laws or regulatory restrictions
  • Timelines that are impossible to meet due to regulatory or administrative requirements
  • Outcomes dependent on factors entirely beyond our control or expertise
• Out-of-Scope Requests: The service request materially exceeds or differs from the deliverables specified in Section 7.1 or your selected tier (Base, Core, or Complete). Examples include:
  • Requests for services that require professional licences we do not hold (legal advice, tax planning, immigration applications)
  • Demands for services across more countries or properties than included in your tier
  • Scope expansion beyond the agreed deliverables without purchasing additional services
• Regulatory or Legal Violations: The requested service would require us to violate UK law, African country regulations, or professional standards. Examples include:
  • Requests that would constitute unlicensed practice of law, accounting, or financial advice
  • Activities that would violate anti-money laundering (AML) regulations
  • Transactions that would breach sanctions or export control laws
• Incomplete or False Information: You provide materially incomplete, inaccurate, or false information during the discovery process that prevents us from delivering accurate analysis or recommendations.
• Bad Faith or Abusive Conduct: You engage in conduct that:
  • Violates Section 5 (Acceptable Use) of these Terms and Conditions
  • Constitutes harassment, abuse, or threats toward our employees or partners
  • Demonstrates an intent to misuse our services or deliverables for unlawful purposes
  • Involves fraudulent activity or misrepresentation

7.6.3 Notice and Explanation

If we decline or terminate service post-purchase, we will:

• Provide written notice to you via email within three (3) business days of our decision
• Explain the specific reason(s) for declination or termination
• Outline the refund you are entitled to receive under Section 7.6.4 below

7.6.4 Refund Treatment for Post-Purchase Declination

Refunds for post-purchase service declination or termination are calculated based on the stage at which services are declined:

Stage 1: Before Discovery Process Completion

If we decline service before you have completed our discovery process (i.e., before any consulting work has commenced):

• Refund: Full refund minus ten percent (10%) administrative fee
• Rationale: Covers payment processing costs and initial administrative review
• Example: Base service (£250) = £225 refund; Core service (£750) = £675 refund; Complete service (£2,500) = £2,250 refund

Stage 2: After Discovery Completion, Before Delivery of Interim Deliverables

If we decline service after the discovery process is complete but before delivery of any interim reports, analyses, or recommendations:

• Refund: Fifty percent (50%) of fees paid
• Rationale: Reflects resources committed to discovery process review, research scoping, and initial analysis
• Example: Base service (£250) = £125 refund; Core service (£750) = £375 refund; Complete service (£2,500) = £1,250 refund

Stage 3: After Partial Delivery of Interim Deliverables

If we decline service after delivering partial work product (e.g., preliminary market analysis, initial consultation sessions):

• Refund: Calculated on a pro-rata basis reflecting work completed and delivered
• Calculation: (Total fee ÷ Total deliverables) × Remaining undelivered deliverables
• Minimum refund: Twenty-five percent (25%) of fees paid
• Example: If 60% of deliverables completed, 40% refunded; if 80% completed, remaining 20% refunded (subject to 25% minimum)

Stage 4: Exceptional Circumstances (Our Fault)

If we decline service due to our own operational failure, resource constraints, or inability to perform (not due to client-related issues):

• Refund: Full refund of all fees paid, with no administrative fee deduction
• Additional remedy: Goodwill credit of ten percent (10%) toward future services (optional, at our discretion)

7.6.5 Refund Exclusions

No refund will be provided if service is terminated due to:

• Your violation of Section 5 (Acceptable Use)
• Your provision of fraudulent, false, or materially misleading information
• Your failure to respond to requests for information or clarification within fourteen (14) days
• Your abusive, threatening, or harassing conduct toward Estate Sensei Limited staff or partners

In such cases, all fees paid are forfeited, and your access to our Site and Services will be terminated immediately under Section 6.3.

7.6.6 Refund Process

Refunds under this Section 7.6 are processed in accordance with Section 11.4 (Refund Process and Timing):

• Contact us at connect@estatesensei.com with your declination notice reference
• We will process approved refunds within fourteen (14) days
• Refunds issued via the same payment method used for original purchase
• Currency conversion and payment processing fees may apply (see Section 11.5)

7.6.7 No Obligation to Perform Unachievable Services

You acknowledge and agree that:

• Estate Sensei Limited is not obligated to perform services that are unrealistic, unachievable, or outside our scope of expertise
• Our assessment of whether objectives are achievable is made in our reasonable professional judgement based on market conditions, regulatory environments, and available information
• Declination of service does not constitute a breach of contract where legitimate grounds exist under this Section 7.6
• Our decision to decline service is final, but you may contact us to discuss the reasons and explore alternative service options

7.6.8 Cross-References

This Section 7.6 should be read in conjunction with:

• Section 6.3 (Account Suspension or Termination) – for account-level terminations
• Section 11.2 (Refunds for Services) – for standard refund policy
• Section 12.1 (Professional Advice Disclaimer) – for scope limitations
• Section 12.7 (Market Conditions and External Factors) – for factors beyond our control

8. PRICING AND PAYMENT

8.1 Prices

All prices for Services and Digital Products are displayed in British Pounds Sterling (£ GBP) and are inclusive of all applicable taxes unless otherwise stated. Estate Sensei Limited is not currently VAT registered, and therefore VAT is not charged on our Services or Digital Products. Should our VAT status change, we will update our pricing accordingly and provide notice on our Site.

Prices are subject to change at any time without notice. However, changes to pricing will not affect orders that have already been placed and confirmed.

8.2 Payment Methods

We accept the following payment methods:

• Credit cards (Visa, Mastercard, American Express)
• Debit cards
• Klarna (where available)
• Revolut Pay (where available)

All payments are processed securely through our payment service provider, Stripe. By providing payment information, you authorise us to charge the payment instrument you have selected for the full amount of your purchase.

8.3 Payment Terms

• Services: Payment for Services is due in full at the time of booking. Work will not commence until payment has been received and cleared.
• Digital Products: Payment for Digital Products is due in full at the time of purchase. Access to Digital Products will be granted immediately upon receipt of payment.

For US-based customers: Your payment authorization constitutes your agreement to pay all charges incurred under your account in accordance with these Terms and Conditions and the terms of your agreement with your payment provider.

8.4 Payment Processing and Authorisation

When you provide payment information, you represent and warrant that:

• You are authorised to use the payment instrument provided.
• The information you provide is true, correct, and complete.
• Charges incurred by you will be honoured by your payment instrument provider.

We reserve the right to refuse or cancel any order if we suspect the payment information provided is fraudulent, unauthorised, or otherwise problematic.

8.5 Failed or Declined Payments

If a payment is declined or fails for any reason, we reserve the right to:

• Suspend or cancel your order.
• Suspend access to Services or Digital Products until payment is received.
• Seek alternative methods of payment.
• Pursue any other remedies available to us.

You remain responsible for any amounts due, plus any costs incurred by us in collecting such amounts.

8.6 Payment Disputes, Chargebacks, and Reversals

8.6.1 Pre-Dispute Contact Requirement

If you believe a charge was made in error, you were charged the wrong amount, or you wish to dispute a charge for any reason, you must contact us at connect@estatesensei.com before initiating a chargeback or payment dispute with your payment provider.

Provide us with:

• Your order number or account details.
• The transaction date and amount.
• A detailed explanation of why you believe the charge is incorrect or disputed.

We will investigate your claim and respond within five (5) business days. We will work with you in good faith to resolve any legitimate billing disputes.

8.6.2 Consequences of Unjustified Chargebacks

Filing a chargeback or payment dispute with your payment provider without first contacting us and allowing us to respond constitutes a material breach of these Terms and Conditions.

If you initiate an unjustified chargeback (defined as a chargeback for Services or Digital Products that were delivered as described and where no refund right applies under Section 11), we reserve the right to:

• Immediately suspend or terminate your account and access to all Services and Digital Products.
• Revoke any licences granted to you under Section 4.3.
• Pursue recovery of the disputed amount, plus:
  • Chargeback fees charged to us by payment processors (typically £15–£25 per chargeback).
  • Administrative costs of defending the chargeback (£50 per incident).
  • Reasonable legal fees if we must pursue collection or enforcement.
• Report your account as fraudulent to payment processors, which may affect your ability to make purchases with us or other merchants in the future.
• Pursue any other remedies available at law or in equity.

8.6.3 Legitimate Chargebacks

This Section 8.6.2 does not apply to chargebacks initiated for:

• Fraudulent transactions you did not authorise.
• Duplicate charges made in error.
• Charges for Services or Digital Products not delivered or materially defective (as described in Sections 11.2.4 and 11.3.3).
• Circumstances where we have declined service and owe you a refund under Section 7.6.4 but have failed to process it within the stated timeframe.

8.6.4 Chargeback Defence Documentation

By agreeing to these Terms and Conditions, you acknowledge that:

• We maintain records of all transactions, service delivery, and communications.
• We will provide this documentation to payment processors to defend against unjustified chargebacks.
• You consent to us sharing transaction details and correspondence with payment processors for chargeback defence purposes.

8.6.5 Payment Processor Terms

Your use of payment services (Stripe, Klarna, Revolut Pay) is also subject to the terms and conditions of those payment providers. We are not responsible for any actions taken by payment providers in relation to chargebacks or payment disputes.

9. DELIVERY OF SERVICES AND DIGITAL PRODUCTS

9.1 Delivery of Digital Products

Digital Products are delivered electronically via:

• Instant download from your account dashboard following payment confirmation.
• Email delivery of download links to the email address associated with your account.
• Online access through your account to view, download, or stream content.

Delivery of Digital Products is deemed complete when the download link is made available to you or when access is granted to your account, whichever occurs first.

9.2 Delivery of Services

Services are delivered according to the timelines specified in Section 7.1, calculated from the date of completion of our discovery process. Delivery methods may include:

• Electronic delivery of reports, analyses, and recommendations via email or account dashboard.
• Video consultations or telephone calls as agreed.
• Written correspondence and ongoing advisory support.

We will make reasonable efforts to meet the stated delivery timelines. However, delivery times are estimates and not guaranteed. Delays may occur due to factors including but not limited to incomplete information provided during the discovery process, complexity of analysis required, or circumstances beyond our reasonable control.

9.3 Your Responsibilities

To enable timely delivery of Services, you agree to:

• Complete the discovery process promptly and provide accurate, complete information.
• Respond to requests for additional information or clarification in a timely manner.
• Make yourself available for scheduled consultations or communications.
• Provide any necessary documentation, materials, or access required for us to perform the Services.

Failure to fulfil these responsibilities may result in delays to service delivery, for which we will not be liable.

9.4 Force Majeure

We will not be liable for any delay or failure to deliver Services or Digital Products resulting from circumstances beyond our reasonable control, including but not limited to acts of God, war, terrorism, civil unrest, labour disputes, telecommunications failures, internet outages, or governmental actions.

10. STATUTORY CANCELLATION RIGHTS (UK AND EU CUSTOMERS)

10.1 Your Statutory Rights

If you are a consumer resident in the United Kingdom or the European Union, you have the right to cancel your contract to purchase Services or Digital Products from us within fourteen (14) days without giving any reason, in accordance with the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 and equivalent EU legislation.

10.2 Cancellation Period

The cancellation period will expire fourteen (14) days from:

• For Services: The day the contract is concluded (i.e., when you complete your purchase).
• For Digital Products: The day the contract is concluded (i.e., when you complete your purchase).

10.3 How to Exercise Your Right to Cancel

To exercise your right to cancel, you must inform us of your decision to cancel by sending a clear statement to:

You may use the Cancellation Form provided at the end of these Terms and Conditions, but you are not required to do so.

To meet the cancellation deadline, it is sufficient for you to send your communication concerning your exercise of the right to cancel before the cancellation period has expired.

10.4 Waiver of Cancellation Rights

For Digital Products:

You expressly acknowledge and agree that when you purchase Digital Products and request immediate access to download or view the content, you are expressly requesting that we begin performance of the contract before the end of the fourteen (14) day cancellation period. By doing so, you acknowledge that you will lose your right to cancel the contract once the Digital Product has been fully downloaded or accessed.

At the time of purchase, you will be required to provide express consent to this waiver by ticking a box or clicking a button acknowledging:

For Services:

You expressly acknowledge and agree that when you purchase Services and our discovery process commences (which constitutes the beginning of service performance), you are expressly requesting that we begin performance of the contract before the end of the fourteen (14) day cancellation period. By completing the discovery process, you acknowledge that you waive your statutory right to cancel under the Consumer Contracts Regulations 2013 once our work has commenced.

At the time of purchase, you will be required to provide express consent to this waiver by ticking a box or clicking a button acknowledging:

10.5 Effects of Cancellation If You Cancel Within the Cancellation Period

If you validly cancel your contract before the waiver conditions described in Section 10.4 apply, we will reimburse to you all payments received from you without undue delay and in any event not later than fourteen (14) days from the day on which we are informed about your decision to cancel.

We will make the reimbursement using the same means of payment as you used for the initial transaction, unless you have expressly agreed otherwise. You will not incur any fees as a result of such reimbursement.

If you requested the performance of Services to begin during the cancellation period and you subsequently cancel, you are required to pay us an amount which is in proportion to what has been performed until you communicated your decision to cancel. We will calculate this amount based on the total price of the Services and the extent of work completed. We will reimburse any amount you have paid above this proportionate payment.

10.6 Exceptions to the Right to Cancel

The right to cancel does not apply to:

• Digital content which is not supplied on a tangible medium if performance has begun with your prior express consent and acknowledgement that you will thereby lose your right to cancel.
• Services which have been fully performed and for which performance began with your prior express consent and acknowledgement that you would lose your right to cancel once the contract had been fully performed.
• Goods or services where the price is dependent on fluctuations in the financial market which we cannot control and which may occur within the cancellation period.

11. REFUNDS AND RETURNS

11.1 General Refund Policy

Our refund policy is designed to be fair to both you and Estate Sensei Limited. Refunds are handled differently depending on the type of product or service purchased, as set out below.

11.2 Refunds for Services

11.2.1 Refund Before Work Commences

If you request a refund before any work has commenced (i.e., before you have completed our discovery process), we will provide a full refund minus a ten percent (10%) administrative fee to cover payment processing costs and administrative overhead. For example:

• Base Consulting Service (£250): Refund of £225
• Core Consulting Service (£750): Refund of £675
• Complete Consulting Service (£2,500): Refund of £2,250

To request a refund at this stage, you must contact us within fourteen (14) days of purchase.

11.2.2 Refund After Discovery Process but Before Delivery

Once you have completed our discovery process and consulting work has commenced (as evidenced by our team beginning research, analysis, or preparation of deliverables), you have expressly consented to waive your statutory fourteen (14) day cancellation right under the Consumer Contracts Regulations 2013.

At this stage, refunds are provided at our sole discretion and are typically limited to fifty percent (50%) of the fees paid, reflecting the work already performed and resources committed. Any refund provided will take into account:

• The extent of work completed by our team.
• Resources and time committed to your project.
• The stage of completion of the agreed deliverables.

11.2.3 No Refund After Delivery of Final Deliverables

No refunds are available once final deliverables (reports, analyses, recommendations, or other work product) have been provided to you. At this stage, the service has been fully performed, and you have received the full value for which you contracted.

11.2.4 Satisfaction Guarantee

Whilst we do not provide refunds after delivery of final deliverables, we are committed to your satisfaction with our Services. If you are dissatisfied with the Services provided, we may, at our discretion, offer remedies including:

• Clarification or additional explanation of recommendations.
• Supplementary analysis or research on specific points.
• Extension of advisory support beyond the agreed period.
• Additional consultation time to address your concerns.

These satisfaction remedies are provided at our sole discretion and do not constitute an entitlement to a refund or re-performance of Services.

11.3 Refunds for Digital Products

11.3.1 No Refunds After Access or Download

Due to the nature of digital content, refunds for Digital Products are not available once you have accessed, downloaded, or streamed the content.

As set out in Section 10.4, when you purchase a Digital Product and request immediate access, you expressly consent to waive your statutory fourteen (14) day cancellation right. Once you have clicked the download link, opened the file, or accessed the content through your account, the Digital Product has been fully supplied, and no refund will be provided.

11.3.2 Refund Before Access

If you have purchased a Digital Product but have not yet accessed, downloaded, or viewed the content, you may request a full refund within fourteen (14) days of purchase.

To be eligible for a refund, you must not have:

• Clicked on any download links.
• Opened or viewed any files or content.
• Accessed the Digital Product through your account dashboard.

11.3.3 Defective Digital Products

If a Digital Product is defective, corrupted, or materially different from the description provided at the time of purchase, you may be entitled to a refund or replacement regardless of whether you have accessed the content.

To request a refund for a defective Digital Product, you must contact us within fourteen (14) days of purchase and provide:

• Details of the defect or discrepancy.
• Evidence such as screenshots or error messages.
• A description of how the Digital Product fails to match its description.

We will investigate your claim and, if substantiated, provide a full refund or a replacement Digital Product at our discretion.

11.4 Refund Process and Timing

To request a refund, contact us at connect@estatesensei.com with:

• Your order number or account details.
• The date of purchase.
• The product or service purchased.
• The reason for your refund request.

We will review your request and respond within five (5) business days. If your refund request is approved, we will process the refund within fourteen (14) days of approval.

Refunds will be issued using the same payment method you used for the original purchase. Please note that it may take additional time for your payment provider to process the refund and for the funds to appear in your account. We are not responsible for any delays caused by your payment provider.

11.5 Currency Conversion and Payment Processing Fees

All refunds are processed in British Pounds Sterling (£ GBP). If your original payment was made in a different currency, the refund amount may differ from the amount you originally paid due to currency exchange rate fluctuations. You are responsible for any currency conversion fees or charges imposed by your payment provider.

If you used a payment method that charged you fees (such as international transaction fees), we are not responsible for refunding those fees. You should contact your payment provider regarding the recovery of such fees.

11.6 Non-Refundable Circumstances

Refunds will not be provided in the following circumstances:

• You have changed your mind about a purchase after receiving Services or accessing Digital Products.
• You purchased the wrong product or service due to your own error, after having accessed or received the content.
• You are dissatisfied with Services or Digital Products for subjective reasons not related to quality, accuracy, or material defects.
• You have violated these Terms and Conditions and your access has been terminated as a result.

12. LIMITATION OF LIABILITY AND DISCLAIMERS

12.1 Professional Advice Disclaimer

Estate Sensei Limited provides consulting services, market analysis, and informational content relating to African real estate markets. Our Services and Digital Products are provided for informational and educational purposes only and do not constitute professional legal, financial, tax, immigration, or investment advice.

You acknowledge and agree that:

• We are not solicitors, barristers, financial advisers, tax advisers, immigration consultants, or licensed investment advisers.
• Our Services and Digital Products do not create a solicitor-client, adviser-client, or fiduciary relationship.
• You should not rely solely on our Services or Digital Products when making legal, financial, tax, immigration, or investment decisions.
• You should consult with qualified, licensed professionals in the relevant jurisdiction before making any decisions based on our Services or Digital Products.
• Real estate transactions, investments, and relocations involve significant financial risk and legal complexity, and outcomes are not guaranteed.

We make reasonable efforts to ensure that the information, analysis, and recommendations provided through our Services and Digital Products are accurate, current, and based on reliable sources. However, we do not warrant or guarantee the accuracy, completeness, reliability, or suitability of any information, analysis, or recommendations provided.

12.2 No Warranties

To the fullest extent permitted by law, we provide our Site, Services, and Digital Products on an "as is" and "as available" basis without warranties of any kind, either express or implied.

We expressly disclaim all warranties, including but not limited to:

• Warranties of merchantability: We do not warrant that our Services or Digital Products are fit for any particular purpose or will meet your specific requirements.
• Warranties of fitness for a particular purpose: We do not warrant that our Services or Digital Products will achieve any particular outcome or result.
• Warranties of non-infringement: We do not warrant that our Services or Digital Products do not infringe any third-party intellectual property rights, although we make reasonable efforts to ensure this is the case.
• Warranties of accuracy or completeness: We do not warrant that the information provided through our Services or Digital Products is accurate, complete, current, or error-free.
• Warranties of uninterrupted or error-free operation: We do not warrant that our Site will operate without interruption or errors, or that any errors will be corrected.

12.3 Limitation of Liability

To the fullest extent permitted by law, Estate Sensei Limited, our directors, officers, employees, agents, affiliates, and licensors will not be liable to you or any third party for any damages arising out of or relating to your use of our Site, Services, or Digital Products.

This limitation of liability applies to all claims, whether based on contract, tort (including negligence), strict liability, statute, or any other legal theory, and whether or not we have been advised of the possibility of such damages.

Specifically, we will not be liable for:

• Direct damages: Any direct loss or damage you suffer as a result of using our Services, Digital Products, or Site, except where such liability cannot be excluded by law.
• Indirect or consequential damages: Any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of revenue, loss of business opportunities, loss of data, loss of goodwill, or business interruption, even if we have been advised of the possibility of such damages.
• Third-party claims: Any claims, damages, or losses arising from your interactions with third parties (including but not limited to real estate developers, agents, governments, or service providers) that result from or relate to your use of our Services or Digital Products.
• Investment losses: Any financial losses, missed opportunities, or adverse outcomes resulting from real estate transactions, investments, or relocations undertaken based on our Services or Digital Products.
• Reliance on information: Any losses arising from your reliance on information, analysis, or recommendations provided through our Services or Digital Products.

12.4 Cap on Liability

Where liability cannot be excluded by law, our total aggregate liability to you for all claims arising out of or relating to your use of our Site, Services, or Digital Products will be limited to the amount you paid to us for the specific Service or Digital Product giving rise to the claim.

For example:

• If you purchased our Base Consulting Service for £250 and a claim arises from that Service, our maximum liability would be £250.
• If you purchased a Digital Product for £150 and a claim arises from that Digital Product, our maximum liability would be £150.

This cap on liability applies regardless of the legal theory on which the claim is based and applies to all claims in the aggregate.

12.5 Statutory Rights

Nothing in these Terms and Conditions excludes or limits our liability for:

• Death or personal injury caused by our negligence.
• Fraud or fraudulent misrepresentation.
• Any other liability that cannot be excluded or limited under applicable law, including your statutory rights under the Consumer Rights Act 2015.

If you are a consumer, you have certain legal rights which cannot be excluded or limited. These Terms and Conditions do not affect those statutory rights.

12.6 Market Conditions and External Factors

Real estate markets are subject to numerous external factors beyond our control, including but not limited to economic conditions, political instability, regulatory changes, currency fluctuations, natural disasters, pandemics, and social unrest. We are not liable for any losses, damages, or adverse outcomes arising from such external factors, even if our Services or Digital Products did not anticipate or account for such factors.

12.7 Basis of the Bargain

You acknowledge that the limitations of liability and disclaimers set out in this Section 12 are fundamental elements of the basis of the bargain between you and Estate Sensei Limited. We would not be able to provide Services and Digital Products at the current pricing without these limitations.

12.8 Professional Indemnity Insurance

Estate Sensei Limited maintains Professional Indemnity Insurance coverage for claims arising from our consulting services, subject to policy limits and exclusions.

Our insurance coverage includes:

• Territorial Coverage: Worldwide, including claims brought in USA and Canada jurisdictions.
• Coverage Limits: Our policy limits may affect the maximum amount recoverable for any single claim or in the aggregate.
• Jurisdictional Coverage: Our policy covers legal defence costs and judgments for claims brought in UK, EU, USA, and Canadian courts.

Important Notice: Our insurance coverage is subject to standard policy exclusions, including but not limited to:

• Claims arising from fraudulent, dishonest, or criminal acts.
• Claims arising from guarantees or warranties we have expressly stated we do not provide.
• Claims where the loss exceeds our policy limits.
• Claims related to intellectual property infringement (subject to separate coverage).

The existence of insurance does not:

• Waive or modify the limitations of liability set forth in Section 12.4.
• Create any obligation on our part beyond what is stated in these Terms and Conditions.
• Give you any right to claim directly against our insurer.

This disclosure is provided for transparency and does not expand our liability beyond what is expressly stated in these Terms and Conditions.

13. INDEMNIFICATION

13.1 Your Indemnification Obligations

To the fullest extent permitted by law, you agree to indemnify, defend, and hold harmless Estate Sensei Limited, our directors, officers, employees, agents, affiliates, licensors, and service providers (collectively, the "Indemnified Parties") from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees and costs) arising out of or relating to:

• Your use or misuse of our Site, Services, or Digital Products.
• Your violation of these Terms and Conditions.
• Your violation of any applicable law, regulation, or third-party rights.
• Any content, information, or materials you submit, post, or transmit through our Site.
• Any fraudulent, negligent, or wilful misconduct by you.
• Any real estate transactions, investments, or relocations you undertake based on our Services or Digital Products.
• Any disputes between you and any third party arising from or relating to your use of our Services or Digital Products.

13.2 Defence and Settlement

We reserve the right, at our own expense, to assume the exclusive defence and control of any matter subject to indemnification by you. In such cases, you agree to cooperate fully with our defence of such claims. You may not settle any claim subject to indemnification without our prior written consent.

13.3 Notice of Claims

You agree to promptly notify us of any claims for which you may be required to indemnify the Indemnified Parties. Failure to provide prompt notice may limit or bar your indemnification obligations if such failure prejudices our ability to defend the claim.

14. THIRD-PARTY LINKS AND SERVICES

14.1 Third-Party Links

Our Site may contain links to third-party websites, services, or resources that are not owned or controlled by Estate Sensei Limited. These links are provided for your convenience and information only.

We do not endorse, warrant, or assume any responsibility for any third-party websites, services, resources, or their content. We are not responsible for the availability, accuracy, legality, or appropriateness of any content, products, or services offered by third parties.

14.2 Third-Party Terms and Privacy Policies

Your use of third-party websites, services, or resources is governed by the terms and conditions and privacy policies of those third parties. We encourage you to review the terms and privacy policies of any third-party websites or services you visit.

14.3 No Liability for Third Parties

We will not be liable for any damages, losses, or harm arising from your use of or reliance on any third-party websites, services, or resources, including but not limited to any transactions you conduct with third parties.

15. DATA PROTECTION AND PRIVACY

15.1 Privacy Policy

We are committed to protecting your privacy and handling your personal information responsibly and in accordance with applicable data protection laws, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

Our collection, use, and disclosure of personal information are governed by our Privacy Policy, which is available at https://www.estatesensei.com/privacy and forms an integral part of these Terms and Conditions.

15.2 Consent to Data Processing

By using our Site and purchasing our Services or Digital Products, you consent to the collection, use, and processing of your personal information as described in our Privacy Policy.

15.3 Data Controller

Estate Sensei Limited is the data controller for personal information collected through our Site. If you have any questions or concerns about how we process your personal information, please contact us at connect@estatesensei.com or +44 07553166201.

15.4 Your Rights

You have certain rights under data protection law, including:

• The right to access your personal information.
• The right to request correction of inaccurate personal information.
• The right to request erasure of your personal information in certain circumstances.
• The right to object to or restrict processing of your personal information.
• The right to data portability.
• The right to withdraw consent where processing is based on consent.

For more information about your rights and how to exercise them, please refer to our Privacy Policy or contact us using the details provided above.

16. COMMUNICATION AND NOTICES

16.1 Electronic Communications

By using our Site and providing your email address, you consent to receive electronic communications from us. These communications may include:

• Order confirmations and receipts.
• Service delivery notifications and updates.
• Account-related notifications.
• Responses to your inquiries or support requests.
• Information about changes to our Terms and Conditions or Privacy Policy.

You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

16.2 Marketing Communications

We may also send you marketing communications about our Services, Digital Products, promotions, and other information that may be of interest to you, provided you have consented to receive such communications.

You can opt out of receiving marketing communications at any time by:

• Clicking the "unsubscribe" link in any marketing email.
• Contacting us at connect@estatesensei.com.
• Adjusting your communication preferences in your account settings.

Opting out of marketing communications will not affect our ability to send you transactional or service-related communications.

16.3 Notices to Us

All notices to Estate Sensei Limited must be sent to:

Notices sent by email are deemed received when we send a confirmation of receipt. Notices sent by post are deemed received three (3) business days after posting.

16.4 Notices to You

We may provide notices to you by:

• Posting a notice on our Site.
• Sending an email to the email address associated with your account.
• Sending a message to your account dashboard.
• Sending a letter to the postal address you have provided.

Notices sent by email or account message are deemed received twenty-four (24) hours after sending. Notices posted on our Site are deemed received upon posting.

17. GOVERNING LAW AND JURISDICTION

17.1 Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of England and Wales. The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded.

17.2 Jurisdiction

Subject to Section 17.3 below, any disputes arising out of or relating to these Terms and Conditions, our Site, or our Services or Digital Products will be subject to the exclusive jurisdiction of the courts of England and Wales.

You irrevocably submit to the exclusive jurisdiction of the courts of England and Wales for the resolution of any disputes.

17.3 Consumer Rights

If you are a consumer resident in the United Kingdom or European Union, nothing in this Section 17 affects your statutory rights, including your right to bring proceedings in your country of residence or any other mandatory provisions of consumer protection law that may apply to you.

18. DISPUTE RESOLUTION

18.1 Pre-Dispute Contact Requirement

Before initiating any formal dispute resolution process (including chargebacks, legal proceedings, or arbitration), you must:

• Contact us at connect@estatesensei.com with a detailed description of your complaint.
• Allow us fourteen (14) calendar days to investigate and respond to your complaint.
• Engage in good faith discussions to resolve the matter informally.

Filing a payment dispute (chargeback) with your payment provider or initiating legal proceedings without first completing this pre-dispute contact requirement constitutes a material breach of these Terms and Conditions and may result in:

• Suspension or termination of your account and access to Services and Digital Products.
• Forfeiture of any refund rights that would otherwise apply under Section 11.
• Recovery of our costs and expenses (including legal fees) incurred in defending unjustified disputes.

18.2 Good Faith Negotiation

If our response to your complaint does not resolve the matter to your satisfaction, we agree to engage in good faith negotiation for an additional fourteen (14) calendar days before either party initiates formal dispute resolution.

18.3 Binding Arbitration (For Claims Exceeding £1,000)

For any claim, dispute, or controversy arising out of or relating to these Terms and Conditions, our Site, or our Services or Digital Products where the amount in controversy exceeds £1,000 (or equivalent in any currency), you agree that such dispute will be resolved by binding arbitration rather than in court, subject to the following terms:

18.3.1 Arbitration Rules and Seat

• Arbitration will be conducted under the LCIA Arbitration Rules (London Court of International Arbitration) in force at the time of commencement.
• The seat of arbitration will be London, England.
• The language of the arbitration will be English.
• The arbitration will be conducted by a single arbitrator unless the parties agree otherwise.

18.3.2 Arbitrator Appointment and Authority

• If the parties cannot agree on an arbitrator within fourteen (14) days of the arbitration notice, the arbitrator will be appointed by the LCIA Court.
• The arbitrator will have authority to grant any relief that would be available in court under applicable law, including injunctive relief, specific performance, and declaratory relief.
• The arbitrator's decision will be final and binding on both parties.

18.3.3 Enforcement of Arbitration Awards

• Arbitration awards may be enforced in any court of competent jurisdiction under the New York Convention on the Recognition and Enforcement of Foreign Arbitral Awards (1958).
• This arbitration agreement is governed by the Arbitration Act 1996 (England and Wales).

18.3.4 Costs and Fees

• Each party will bear its own legal fees and costs unless the arbitrator determines otherwise based on the merits of the case.
• The arbitrator's fees and administrative costs of the LCIA will be split equally between the parties unless the arbitrator allocates costs differently based on the outcome.
• For consumers (individuals purchasing for personal use), if you prevail in arbitration and the arbitrator awards you damages less than the amount we last offered to settle the claim, we will pay you the amount of the award or £1,000, whichever is greater, plus your reasonable legal fees.

18.3.5 Exceptions to Arbitration

The following disputes are not subject to arbitration and may be brought in the courts specified in Section 17.2:

• Claims for injunctive relief to protect intellectual property rights (Section 4).
• Claims for amounts of £1,000 or less (small claims).
• Claims that can be brought in small claims court or equivalent tribunal in your jurisdiction.
• Disputes relating to the validity or enforceability of this arbitration clause itself.

18.3.6 Class Action Waiver

YOU AGREE THAT DISPUTES WILL BE ARBITRATED ON AN INDIVIDUAL BASIS ONLY, AND NOT AS A CLASS ACTION, REPRESENTATIVE ACTION, OR CONSOLIDATED PROCEEDING. You agree to waive any right to participate in a class action lawsuit or class-wide arbitration against Estate Sensei Limited.

If any court or arbitrator determines that the class action waiver in this Section is void or unenforceable for any reason, or that an arbitration can proceed on a class basis, then the arbitration provisions set forth above will be deemed null and void in their entirety, and the dispute will be resolved exclusively in the courts specified in Section 17.2.

18.3.7 Opt-Out Right for US-Based Consumers

If you are a consumer resident in the United States, you may opt out of this arbitration agreement within thirty (30) days of first accepting these Terms and Conditions by sending written notice to:

Your opt-out notice must include your name, address, email address, and a clear statement that you wish to opt out of this arbitration agreement. If you opt out, all other terms of these Terms and Conditions will continue to apply, and disputes will be resolved in accordance with Section 17.2.

18.4 Small Claims and Low-Value Disputes (£1,000 or Less)

For disputes where the amount in controversy is £1,000 or less (or equivalent in any currency), either party may elect to:

• Pursue the claim in small claims court or equivalent tribunal in the jurisdiction specified in Section 17.2, or
• Resolve the matter through our internal complaint handling process outlined in Section 18.1.

18.5 Timeframe for Resolution

We will aim to:

• Acknowledge receipt of your complaint within three (3) business days.
• Provide a substantive response within fourteen (14) business days.
• Complete good faith negotiations within twenty-eight (28) business days of your initial complaint.

If we require additional time to investigate and resolve the complaint, we will keep you informed of our progress.

18.6 Survival of Dispute Resolution Provisions

This Section 18 survives termination of your account, termination of these Terms and Conditions, and completion or cancellation of any Services or Digital Products.

19. GENERAL PROVISIONS

19.1 Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any other policies or notices referenced herein, constitute the entire agreement between you and Estate Sensei Limited regarding your use of our Site and your purchase of Services and Digital Products, and supersede all prior or contemporaneous understandings, agreements, representations, and warranties, whether written or oral.

19.2 Amendments

We reserve the right to modify these Terms and Conditions at any time to reflect changes in our business practices, legal requirements, or for any other reason we deem necessary.

When we make material changes to these Terms and Conditions, we will:

• Update the "Effective Date" at the top of this document.
• Notify you by email at the email address associated with your account.
• Post a prominent notice on our Site.

Your continued use of our Site or purchase of Services or Digital Products following notification of changes constitutes your acceptance of the modified Terms and Conditions. If you do not agree to the modified Terms and Conditions, you must discontinue use of our Site.

19.3 Severability

If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision will be deemed modified to the minimum extent necessary to make it valid, legal, and enforceable. If such modification is not possible, the provision will be severed from these Terms and Conditions.

The invalidity, illegality, or unenforceability of any provision will not affect the validity, legality, or enforceability of the remaining provisions, which will continue in full force and effect.

19.4 Waiver

No waiver by Estate Sensei Limited of any term or condition set out in these Terms and Conditions will be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition.

Our failure to assert any right or provision under these Terms and Conditions will not constitute a waiver of such right or provision.

19.5 Assignment

You may not assign, transfer, or delegate your rights or obligations under these Terms and Conditions without our prior written consent. Any attempted assignment, transfer, or delegation without such consent will be void.

We may assign, transfer, or delegate our rights or obligations under these Terms and Conditions to any third party without your consent, including in connection with a merger, acquisition, reorganisation, or sale of assets.

19.6 Force Majeure

Neither party will be liable for any failure or delay in performing its obligations under these Terms and Conditions to the extent such failure or delay is caused by circumstances beyond its reasonable control, including but not limited to acts of God, war, terrorism, civil unrest, labour disputes, pandemics, governmental actions, or failures of telecommunications or internet infrastructure.

19.7 Relationship of the Parties

Nothing in these Terms and Conditions creates any partnership, joint venture, employment, agency, or fiduciary relationship between you and Estate Sensei Limited. You have no authority to bind Estate Sensei Limited or to make any representations or commitments on our behalf.

19.8 Third-Party Rights

A person who is not a party to these Terms and Conditions has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of these Terms and Conditions, but this does not affect any right or remedy of a third party which exists or is available apart from that Act.

19.9 Survival

Any provisions of these Terms and Conditions that by their nature should survive termination will survive, including but not limited to Sections 4 (Intellectual Property Rights), 12 (Limitation of Liability and Disclaimers), 13 (Indemnification), 17 (Governing Law and Jurisdiction), and this Section 19.9.

20. CONTACT INFORMATION

If you have any questions, concerns, or complaints about these Terms and Conditions or about our Services or Digital Products, please contact us:

We aim to respond to all inquiries within three (3) business days.

20A. ADDITIONAL PROVISIONS FOR UNITED STATES CONSUMERS

If you are a consumer resident in the United States, the following additional provisions apply to your use of our Services and Digital Products. These provisions supplement (and do not replace) the other terms of these Terms and Conditions.

20A.1 No Waiver of Consumer Protection Laws

Nothing in these Terms and Conditions waives or limits any rights you may have under applicable US federal or state consumer protection laws that cannot be waived by contract, including but not limited to:

• The Federal Trade Commission Act (FTC Act)
• State Consumer Protection Acts
• State Unfair and Deceptive Acts and Practices (UDAP) statutes

20A.2 California-Specific Provisions

If you are a California resident, you have the following additional rights:

20A.2.1 California Consumer Legal Remedies Act (CLRA)

Under California Civil Code Section 1780, you have the right to bring legal action for damages or to seek injunctive relief if you believe we have engaged in unfair or deceptive practices. Before initiating such action, California law requires that you provide us with written notice of the specific violations at least thirty (30) days before filing suit to allow us an opportunity to correct the alleged violations.

Send such notices to:

20A.2.2 Automatic Renewal Compliance

If any of our Services involve automatic renewal or continuous service:

• We will clearly and conspicuously disclose the automatic renewal terms before you subscribe.
• We will obtain your affirmative consent to the automatic renewal terms.
• We will provide you with a simple and easily accessible method to cancel the automatic renewal online at any time.
• We will send you a notice of the upcoming automatic renewal between fifteen (15) and forty-five (45) days before the renewal date if the renewal will result in a charge to you.

Currently, our Services (Base, Core, Complete) are one-time purchases and do not automatically renew. If we introduce subscription-based Services in the future, we will comply with California's Automatic Renewal Law (Business and Professions Code §§ 17600-17606).

20A.3 New York-Specific Provisions

If you are a New York resident:

• These Terms and Conditions are subject to the protections afforded to you under the New York General Business Law § 349 (deceptive acts and practices).
• Nothing in these Terms and Conditions waives your right to bring a claim under New York consumer protection statutes.

20A.4 Texas-Specific Provisions

If you are a Texas resident:

• You may have rights under the Texas Deceptive Trade Practices-Consumer Protection Act (DTPA), Texas Business and Commerce Code Chapter 17.
• If you believe we have violated the DTPA, you must provide us with written notice at least sixty (60) days before filing suit, identifying the specific complaint and the amount of actual damages and expenses, including reasonable legal fees, if any.
• Send such notices to the address provided in Section 20A.2.1 with Subject Line: "Texas DTPA Notice."

20A.5 US Jurisdiction and Choice of Law Acknowledgment

While Section 17 of these Terms and Conditions provides that disputes are governed by English law and subject to the jurisdiction of English courts, we acknowledge that:

• A US consumer may have the right to bring proceedings in the courts of their state of residence.
• Certain mandatory consumer protection laws of your state may apply to your transaction regardless of the choice-of-law provision.
• The arbitration provisions in Section 18.3 are designed to provide a neutral forum for dispute resolution while preserving your substantive rights under applicable law.

20A.6 Language and Translation

These Terms and Conditions are drafted in English. If we provide a translation into another language for your convenience, the English version will control in the event of any conflict or discrepancy.

20A.7 Compliance Statement

Estate Sensei Limited is committed to complying with all applicable US consumer protection laws. If you believe we have failed to comply with any such laws, please contact us at connect@estatesensei.com, and we will investigate and respond to your concerns promptly.