Terms & Conditions of Service

Our Service Offered

We are an asset management organisation that offers training programs to our clients. The service offered under this contract is training on a specific subject matter, that being education and support to fully understand and learn how to challenge the fact that financial institutions that use fractional reserve banking do not in fact lend money. We provide detailed information relating to these structures and how it affects their clients. We operate independently and do not act as the agent of any third-party provider. This program does not cover any other challenges and any questions unrelated to the above subject matter cannot be supported.

Disclaimer

Sense Reserve cannot offer any absolute guarantees related to a process such as this, and as a participant in this program you understand fully that there are many moving variables. We will expect that the client should have done sufficient research before proceeding with this process and that the client understands fully any possible risks involved in proceeding with a challenge such as this.

Communication

We will communicate with you in English both verbally and written for the sending and reception of orders.

We require our clients to give instructions in writing to avoid possible disputes. However, we will accept oral instructions provided they are subsequently confirmed in writing, but we accept no responsibility for any errors or omissions resulting from misunderstandings in respect of oral instructions. We may refuse at our discretion to accept certain instructions, although such discretion will not be exercised unreasonably.

Additional Services Provided

We may contact you in the future by means of an unsolicited promotion should we wish to contact you to discuss the relative merits of a service that we feel may be of interest to you.

Your Duty of Disclosure

It is your responsibility to provide complete and accurate information to us, failure to do so will affect our ability to give appropriate training to you. It is important that any requests by us to you, must be accurate and we cannot be held liable for any opinion gained from the training based on missing information. If you fail to disclose relevant information, or any change of circumstances then any future part of the training program may be subject to suspension. We strongly recommend the information you provide is checked thoroughly prior to submission.

Data protection

To provide you with full and appropriate support, we need to record and use information about your personal circumstances. This information will be held on written and computer records in accordance with our internal procedure on data protection. We will retain your information while you have a relationship with us and for any longer period that we are required to meet. We will never share it with any third party unless subject to an appropriate court order compelling us to do so.

By signing these terms, you consent to us, or any company or agent associated with us for processing, to both manually and by electronic means, use your personal data for the purposes of providing, administration, and management. “Processing” includes obtaining, recording, or holding information or data, transferring it to other companies directly associated with us. This also covers any other statutory, governmental, or regulatory body for legitimate purposes only, which could include, where relevant, solicitors.

The information provided may also contain sensitive personal data, being information as to your physical or mental health or condition; the commission or alleged commission of any offence by you; any proceedings for an offence committed or alleged to have been committed by you, including the outcome or sentence in such proceedings; your political opinions, religious or similar beliefs, sexual life; or your membership of a Trade Union. If at any time you wish us or any company associated with us to cease processing your personal data or sensitive personal data, or contacting you for marketing purposes, please contact us.

You may be assured that we and any third party associated with us, will treat all personal data and sensitive personal data as confidential and will not process it other than for a legitimate purpose. Steps will be taken to ensure that the information is accurate, kept up to date and not kept for longer than is necessary. Measures will also be taken to safeguard against unauthorised or unlawful processing and accidental loss or destruction or damage to the data.

Subject to certain exceptions, you are entitled to have access to your personal and sensitive personal data held by us, at a mutually convenient time. As we treat all our clients’ records as confidential, we reserve the right to give you copies of your records, where in certain circumstances to release the original would compromise other clients’ confidentiality. Any requests for records must be writing to the Managing Director and you may be charged a fee (subject to the statutory maximum) for supplying you with such data.

Third Parties Contract

These terms of business exclude any rights which may be conferred upon third parties by the contract (Third Party Rights Act 1999).

Termination

The authority to act on your behalf under these terms of business may be terminated at any time without penalty by either party. Notice of this termination must be given in writing and will take effect immediately upon receipt of the notice, but without prejudice to the completion of transactions already initiated on your behalf or any rights or obligations already arising. Any transactions effected before termination and a due proportion of any period charges for services shall be settled to that date.

Client’s money

We do not handle any funds that you may be compensated under the terms of this agreement. Any payments negotiated with any third party will be concluded by you the client, no agent of this Company, not any third party associated with us has any right to negotiate any terms on your behalf with any third party.

Material Interest

We will act honestly, fairly, and professionally. Occasionally situations may arise where we or one of our other clients have some form of interest in business transacted for you. If this happens or we become aware that our interests or those of one of our other clients’ conflicts with your interest, we will write to you and obtain your consent before we carry out any further instructions and detail the steps we will take, to ensure fair treatment.

Complaints

In you wish to register a complaint, please write to [email protected].

If you cannot settle your complaint with us, you may be entitled to refer it to a third-party arbitrator. If any such dispute should arise, we will act with best intentions to find a resolve to the issue where possible.

If your complaint is found to be either frivolous or vexatious by a relevant independent third-party arbitrator, we may charge you a fee for any expenses incurred and work carried out in respect of the complaint.

By signing these Terms and Conditions of Business:

1. You agree that the information we hold about you can be held on computer and / or paper files.
2. You agree that any information which you give to us may be disclosed to third parties directly associated with us, for the purpose of processing your training program only.
3. You agree that we may use the information that we hold about you to contact you from time to time by post, e-mail, or telephone to bring to your attention additional products or services which may be of benefit to you.
4. You acknowledge that you have been given, read and understand these terms of business, which come into effect immediately and will remain valid until further notice.
5. I understand that should any claim I make be successful, or in addition, any refund be awarded to me the Client, by any third-party ‘lender’, using the knowledge gained through this training program, then a success fee will be contribute to the Company, totalling 15% of any capital gain, and/or 15% of any reduction in your liability.

The training program chosen has been fully explained and you understand all the terms and conditions of this product/service.

It is the Client’s responsibility to act in a timely manner for any action that they take, and the Company accepts no responsibility for following up after instructions are given, or knowledge is imparted on the Client.

Sense Reserve does not accept any responsibility for any actions taken by the client that does not follow the terms of the training exactly. Both Sense Reserve and the Client undertake to notify each other in the event of any material change in the information provided in this document or their circumstances. Sense Reserve cannot be held responsible or liable in any manner for any delays in process, due to third parties delaying any procedure that is learned under this training program.

Paying for Services

I understand there is a non-refundable up front training fee, which must be paid in advance of any training commencing. In the event that the payment is to be made by instalments, training may commence prior to full payment for the service, but the client accepts that Sense Reserve can withhold further training should any of the instalments be missed. This service and the training fee, does not include any fee for representation or assistance within any court environment, this service may be available as a separate service, but will be subject to different terms of delivery.

Payment of Success Fees

In the circumstance where a client is successful in any claim due to the knowledge gained from this training program, it is agreed that a success fee will be charged by Sense Reserve. The Company will invoice the client for a success fee of 15% of any gain, and this payment will become immediately due. In the event that the client requests time to pay the fee, it is pre-agreed that a sum equalling no less than to the equivalent monthly payment that was being paid to the third-party lender will be due payable on a calendar monthly basis.

If there are any additional fee to be charged, we will agree the rate in advance and we will charge before beginning any additional training. We will tell you if you must pay VAT. We will confirm the actual amount to you before you buy any additional product or service.

Rights to Cancel

Once payment for the training is committed, we do not offer a refund policy. However, we do reserve the right to reverse this decision under certain circumstance. All rights are reserved; however, this will be explained before any contract is concluded.

Law

These Terms of Business are governed and shall be construed in accordance with English Law and the parties shall submit to the exclusive jurisdiction of the English Courts.