Laurie AI Terms and Conditions

TERMS AND CONDITIONS OF PURCHASE

Laurie AI Digital Product

Last Updated: January 2026

IMPORTANT NOTICE

PLEASE READ THESE TERMS CAREFULLY BEFORE PURCHASING. BY COMPLETING YOUR PURCHASE, YOU AGREE TO BE LEGALLY BOUND BY THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT PROCEED WITH YOUR PURCHASE.

THIS IS A BINDING CONTRACT FOR THE PURCHASE OF DIGITAL CONTENT. ONCE YOU ACCESS THE PRODUCT, YOU WILL LOSE YOUR RIGHT TO CANCEL UNDER THE CONSUMER CONTRACTS REGULATIONS 2013.

1. DEFINITIONS AND INTERPRETATION

1.1 In these Terms and Conditions, the following definitions apply:

"Seller", "We", "Us", "Our" means Laurie Burrows LTD, a company registered in England and Wales, contactable at [email protected].

"Buyer", "You", "Your" means the individual or entity purchasing the Product.

"Product" means the digital product known as "Laurie AI" including all associated digital content, materials, updates, and access provided thereunder.

"Full Payment Option" means a single payment of $997 USD.

"Payment Plan" means twelve (12) consecutive monthly payments of $97 USD each, totalling $1,164 USD.

"Total Contract Value" means either $997 USD (Full Payment) or $1,164 USD (Payment Plan), as applicable to your selected payment method.

"Lifetime Access" means access to the Product for as long as the Product exists and remains commercially available. Lifetime Access does not mean access in perpetuity or forever. We reserve the right to discontinue, retire, or substantially modify the Product at any time in Our sole discretion. In the event the Product is discontinued, Your Lifetime Access will end and no refund, partial refund, or compensation will be owed to You.

2. FORMATION OF CONTRACT

2.1 A legally binding contract between You and Us is formed when You complete the checkout process and We accept Your order. Your order constitutes an offer to purchase the Product on these Terms.

2.2 By completing Your purchase, You confirm that:

(a) You are at least 18 years of age;

(b) You have full legal capacity to enter into a binding contract;

(d) All information You provide during checkout is accurate and complete; and

(e) You authorise the payment(s) as described herein.

3. PAYMENT TERMS

3.1 Full Payment Option

If You select the Full Payment Option, the entire amount of $997 USD is due immediately upon checkout and must be paid in full before access to the Product is granted.

3.2 Payment Plan Option

IMPORTANT: THE PAYMENT PLAN IS A BINDING FINANCIAL COMMITMENT FOR THE FULL TOTAL CONTRACT VALUE OF $1,164 USD.

3.2.1 If You select the Payment Plan, You agree to pay twelve (12) consecutive monthly instalments of $97 USD each. The first payment is due immediately upon checkout, with subsequent payments due on the same date each following month for eleven (11) additional months.

3.2.2 BY SELECTING THE PAYMENT PLAN, YOU IRREVOCABLY COMMIT TO PAYING THE FULL TOTAL CONTRACT VALUE OF $1,164 USD. This is not a subscription. This is not a monthly service that can be cancelled at any time. This is a binding debt obligation that You agree to repay in full regardless of:

(a) Whether You access or use the Product;

(b) Whether You are satisfied with the Product;

(d) Any change in Your business circumstances; or

(e) Any other reason whatsoever.

3.2.3 The Payment Plan cannot be paused, deferred, or skipped for any reason. Each payment must be made on its due date without exception.

3.2.4 You expressly acknowledge and agree that by selecting the Payment Plan, You are entering into a binding financial obligation equivalent to a debt. The remaining balance on Your Payment Plan is a debt owed to Us and is not contingent upon Your continued use of or satisfaction with the Product.

3.3 Currency and Fees

3.3.1 All prices are quoted in United States Dollars (USD). You are responsible for any currency conversion fees, bank charges, or other transaction fees charged by Your payment provider or financial institution.

3.3.2 If You are located in the United Kingdom, EU, or elsewhere, You acknowledge that exchange rate fluctuations may affect the amount debited in Your local currency, and You agree to pay the USD amount specified regardless of exchange rate variations.

4. CANCELLATION RIGHTS AND REFUND POLICY

4.1 Digital Content Exception Under Consumer Contracts Regulations 2013

4.1.1 Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, consumers ordinarily have a 14-day "cooling-off" period during which they may cancel a distance contract without giving any reason.

4.1.2 HOWEVER, Regulation 37 of the Consumer Contracts Regulations 2013 provides an exception for digital content. Where the consumer has given their express consent to begin the supply of digital content before the end of the cancellation period and has acknowledged that they will thereby lose their right to cancel, the right to cancel is lost once performance has begun.

4.1.3 BY COMPLETING YOUR PURCHASE, YOU:

(a) EXPRESSLY REQUEST AND CONSENT TO IMMEDIATE PERFORMANCE OF THE CONTRACT AND IMMEDIATE ACCESS TO THE DIGITAL CONTENT (THE PRODUCT);

(b) ACKNOWLEDGE AND ACCEPT THAT YOU WILL LOSE YOUR RIGHT TO CANCEL THE CONTRACT ONCE YOU ACCESS THE PRODUCT; AND

(c) ACKNOWLEDGE THAT ACCESS TO THE PRODUCT IS GRANTED IMMEDIATELY UPON SUCCESSFUL PAYMENT, AND THEREFORE YOUR RIGHT TO CANCEL IS LOST IMMEDIATELY.

4.2 No Refunds

4.2.1 Due to the nature of digital products and the instant access provided, ALL SALES ARE FINAL AND NON-REFUNDABLE.

4.2.2 Once You have accessed the Product, no refund will be issued under any circumstances, including but not limited to:

(a) Dissatisfaction with the Product;

(b) Change of mind;

(d) Inability to access the Product due to Your own equipment, internet connection, or technical issues on Your end;

(e) Change in personal or financial circumstances;

(f) The Product not meeting Your expectations; or

(g) Any other reason.

4.3 Payment Plan Cancellation

4.3.1 THE PAYMENT PLAN CANNOT BE CANCELLED. By selecting the Payment Plan, You have committed to paying the full Total Contract Value of $1,164 USD. This obligation survives regardless of:

(a) Whether You continue to access or use the Product;

(b) Termination or suspension of Your access to the Product for any reason; or

4.3.2 You expressly waive any right to cancel, pause, skip, or otherwise avoid payment of any instalment under the Payment Plan.

5. FAILED PAYMENTS, DEFAULT, AND CONSEQUENCES

5.1 Failed Payments

5.1.1 It is Your responsibility to ensure that Your payment method is valid and has sufficient funds available on each payment due date.

5.1.2 If a scheduled payment fails for any reason (including but not limited to insufficient funds, expired card, cancelled card, or declined transaction), You will be notified and given 7 days to make the payment manually.

5.1.3 We may attempt to charge Your payment method again during this 7-day period. You authorise such retry attempts.

5.2 Default

5.2.1 You will be in default if:

(a) Any payment remains unpaid 7 days after its due date;

(b) You dispute or charge back any legitimate payment;

(d) You otherwise fail to comply with Your payment obligations under these Terms.

5.3 Consequences of Default

5.3.1 Upon default, We reserve the right to:

(a) Accelerate the debt: Declare the entire remaining balance of the Payment Plan immediately due and payable;

(b) Suspend access: Suspend or terminate Your access to the Product without affecting Your obligation to pay the remaining balance;

(d) Charge interest: Apply interest on overdue amounts at the rate of 8% above the Bank of England base rate, calculated daily from the due date until payment is received;

(e) Recover costs: Recover all costs incurred in collecting the debt, including but not limited to administrative costs, legal fees, court costs, and debt collection agency fees;

(f) Refer to debt collection: Refer Your account to a debt collection agency;

(g) Take legal action: Commence legal proceedings to recover the debt; and

(h) Report to credit agencies: Report Your default to credit reference agencies, which may affect Your credit score.

5.3.2 Suspension or termination of Your access to the Product does not reduce or eliminate Your obligation to pay the full Total Contract Value.

5.4 Chargebacks and Payment Disputes

5.4.1 You agree not to initiate a chargeback or payment dispute for any legitimate charge made under these Terms.

5.4.2 If You initiate a chargeback or dispute, You agree that:

(a) The chargeback constitutes a breach of these Terms;

(b) We will contest the chargeback and provide evidence of the valid transaction;

(d) Your access to the Product will be immediately suspended; and

(e) You remain liable for the full outstanding balance plus all fees and costs.

6. PRODUCT DELIVERY AND ACCESS

6.1 Upon successful payment (first payment for Payment Plan, or full payment for Full Payment Option), You will receive immediate access to the Product via email and/or account login credentials.

6.2 It is Your responsibility to provide a valid email address and check Your inbox (including spam/junk folders) for access information.

6.3 We do not guarantee uninterrupted access to the Product. We may perform maintenance, updates, or improvements that temporarily affect availability. Such temporary interruptions do not entitle You to a refund or reduction in payment obligations.

6.4 Lifetime Access Clarification: Where "Lifetime Access" is offered or advertised, this means access to the Product for as long as the Product continues to exist and remains commercially available. It does not mean permanent or perpetual access. We reserve the right to discontinue, retire, replace, or substantially modify the Product at any time without prior notice. Upon discontinuation of the Product, Your access will end and You will not be entitled to any refund, partial refund, credit, or compensation of any kind. By purchasing, You accept this risk and agree that the value You receive is in the access provided up until any such discontinuation.

7. INTELLECTUAL PROPERTY AND LICENCE

7.1 All intellectual property rights in the Product, including but not limited to copyrights, trademarks, trade secrets, and proprietary information, belong to Us or Our licensors.

7.2 Upon payment, We grant You a limited, non-exclusive, non-transferable, revocable licence to access and use the Product for Your personal or business use only.

7.3 You may not:

(a) Copy, reproduce, distribute, or share the Product or any part thereof;

(b) Modify, adapt, translate, or create derivative works;

(d) Share Your login credentials or access with any third party;

(e) Remove any copyright or proprietary notices; or

(f) Use the Product in any way that violates applicable laws or regulations.

7.4 Any breach of this clause entitles Us to terminate Your access immediately without refund and pursue legal remedies for damages.

8. DISCLAIMER AND LIMITATION OF LIABILITY

8.1 The Product is provided for educational and informational purposes. It does not constitute professional, legal, financial, or business advice. Results are not guaranteed and depend on individual effort, circumstances, and market conditions.

8.2 To the maximum extent permitted by law, We disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

8.3 Our total liability to You for any claim arising from or related to these Terms or the Product shall not exceed the amount You have actually paid to Us.

8.4 We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of revenue, loss of data, or business interruption.

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

9. DATA PROTECTION

9.1 We process Your personal data in accordance with Our Privacy Policy and the UK General Data Protection Regulation (UK GDPR) and Data Protection Act 2018.

9.2 By purchasing the Product, You consent to Our collection, use, and processing of Your personal data as necessary to perform the contract, process payments, and provide customer service.

10. TERMINATION

10.1 We may suspend or terminate Your access to the Product immediately if:

(a) You breach any provision of these Terms;

(b) You fail to make any payment when due;

(d) We reasonably believe You are misusing the Product or violating Our intellectual property rights.

10.2 Termination of access does not release You from Your obligation to pay the full Total Contract Value. All outstanding payments remain due and payable.

11. YOUR STATUTORY RIGHTS

11.1 Under the Consumer Rights Act 2015, digital content must be of satisfactory quality, fit for purpose, and as described. If the Product fails to meet these standards, You may be entitled to a repair, replacement, or (in certain circumstances) a price reduction.

11.2 Nothing in these Terms affects Your statutory rights as a consumer under UK law. However, the waiver of cancellation rights under Regulation 37 of the Consumer Contracts Regulations 2013 is a valid exercise of consumer rights where You have given express consent.

12. GOVERNING LAW AND JURISDICTION

12.1 These Terms shall be governed by and construed in accordance with the laws of England and Wales.

12.2 Any dispute arising from or related to these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales, provided that if You are a consumer, You may also bring proceedings in the courts of Your country of residence.

13. GENERAL PROVISIONS

13.1 Entire Agreement: These Terms constitute the entire agreement between You and Us regarding the purchase of the Product and supersede all prior agreements, representations, and understandings.

13.2 Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

13.3 Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

13.4 Assignment: You may not assign or transfer these Terms or Your rights hereunder without Our prior written consent. We may assign these Terms without restriction.

13.5 Amendments: We reserve the right to amend these Terms at any time. Any changes will not affect contracts already in force.

14. CHECKOUT ACKNOWLEDGEMENTS

BY CLICKING "PURCHASE" OR "BUY NOW" OR COMPLETING YOUR PAYMENT, YOU CONFIRM THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE LEGALLY BOUND BY THESE TERMS AND CONDITIONS, AND SPECIFICALLY ACKNOWLEDGE AND AGREE THAT:

☐ I have read and agree to the Terms and Conditions.

☐ I understand that I am purchasing a digital product and will receive instant access.

☐ I expressly consent to immediate access to the digital content and acknowledge that I will lose my right to cancel once I access the Product.

☐ I understand that all sales are final and no refunds will be provided.

☐ [PAYMENT PLAN ONLY] I understand that by selecting the Payment Plan, I am committing to pay the full amount of $1,164 USD over 12 monthly payments of $97 USD each. This is a binding financial commitment that cannot be cancelled, paused, or skipped.

15. CONTACT INFORMATION

For questions about these Terms and Conditions, please contact Us at:

Laurie Burrows LTD

Email: [email protected]

End of Terms and Conditions