Terms and Conditions

Please take the time to read this document carefully, as it governs the purchase you are making from us. It sets out the rules about how we provide that product to you, and what to do if have any issues or questions in relation to that product. If you have any questions please email [email protected] before making the purchase online. Once you have made your purchase online, all sales are final (subject to the provisions of this agreement).

About Us

We are a niche consultancy service providing jargon-free advice to small businesses about financial literacy. Sales are made and our website is operated by SF Financial Solutions Limited (trading as Business Growth by Numbers) ("we/us/our"). We are registered in England and Wales under company number 11209396 and our registered office and main trading address is at 10 Jesus Lane, Cambridge, CB5 8BA

Please note that in relation to any purchases you make from us online, we are not acting as financial or professional advisors, and we are not able nor authorised to give specific financial advice in relation to your business or individual circumstances. Our advice in relation to our online products and services is generic and provided solely for education purposes.


You may order products and services direct from us or via our website at www.businessgrowthbynumbers.com (“our website”).
After placing an order, you will receive an order confirmation email from us acknowledging that we have received your order.

The legal contract between us will only be formed at the point that we send your order confirmation email. The contract between us is based on these Terms of Sale.
Your credit or debit card, or (where accepted) PayPal account, will be authorised when your order is placed and processed but you may not be charged for the product until the point that you are granted access to the online platform upon which you will access the product or service. This does not affect your statutory rights.

Occasionally, we may not be able to accept your order. If this is the case, we will inform you by email and will not charge you for the product. This might be because products are out of stock or temporarily unavailable, or because there is an error in the price or description of the products, or because we are updating the content.

Due to the nature of our services, we only sell to the UK. At this time our website is solely for the sale of our products and services in the UK. We do accept orders from customers resident outside the UK if you are doing so in the understanding that our products and services are intended for us by customers trading in the UK.

Our Products and Services

We always try to display and describe as accurately as possible the content, usage and purpose of the products which appear on our website. However, we do not give any assurance that the products supplied will meet your exact need or the purpose for which you require it. Where you are buying an online course or other education based tool, we will have described the content of that product as accurately and completely as we can, however you will take all necessary steps to ask questions prior to purchase to satisfy yourself that the course or programme is suitable for your individual needs.

Please contact us if you require further guidance, prior to purchase, as all sales are final.

If you wish to make a change or request for additional services to be added to the product (such as consultancy services to support you) you must contact us in advance of purchase. We will let you know if the change is possible. If it is possible we will let you know about any changes to the price of the product, the timing of delivery or anything else which would be necessary as a result of your requested change and ask you to confirm whether you wish to go ahead with the change.

Use of the product

In the case of online training and education products, you will usually receive access to the product online within 24 hours. You will be supplied with a URL and a unique login username and password. This is strictly for your use only and not to be shared with anyone else. If you become aware that someone else has accessed your login details you must contact us immediately.

All intellectual property rights in the product are strictly reserved to and owned by us. You will not copy, modify, re-use or publish any aspects of our product without our prior written consent. You will not attempt to re-sell any aspects of our product (or the content within) whether for commercial gain or otherwise. Any costs involved in downloading, accessing, printing or using the content will be met by you.

Whilst we do our best to keep the content accurate and up to date at all times, we are not liable for any inaccuracies in the content and you will take responsibility for validating the information you receive before taking any active steps to implement it within your business.

You acknowledge and understand that we are a consultancy and education provider, and that you are not receiving any professional advice or financial advice in relation to your business. All and any liabilities in this regard are excluded.
If there is substantial delay in your receiving your product, you may contact us to end the contract and receive a refund for any products you have paid for but not received.


There is no right of refund on the product you have purchased. Sales are final.
In the case of a digital product which is purchased online, you do have fourteen (14) days in which to cancel the purchase of the product and ask for a refund in accordance with statutory rights (cooling off period), but please note that this is only applicable if you have not downloaded or accessed the product within that 14 day period.
If you are not happy with your product or purchase you may contact us within 30 days of purchase and provide feedback and reasons, in which case we may be willing to make a discretionary refund based upon the individual facts of the situation. You will be asked to give full details upon which we can make this decision.

Price and Payment

Price for the product (which includes VAT) will be the price indicated on the order page or the shopping basket area of the website at the time you placed your order.
If the rate of VAT changes between your order date and the date we supply the product, we will adjust the rate of VAT that you pay, unless you have already paid for the product in full before the change in the rate of VAT takes effect.

We accept payment methods listed on the website at the time your place your order. You must pay for the products at the time of purchase unless specifically agreed otherwise with us in writing.

Our Liability

We need to protect our business and manage risk associated with providing products for sale. This section aims to do just that, but we do not exclude or limit our liability for anything that cannot be excluded or limited by English law, such as our liability for personal injury or death caused by our negligence or for fraud.

If we fail to comply with these terms or fail to use reasonable care and skill, we are responsible to you for any loss and damage caused by us, provided that such loss or damage is foreseeable or obvious that it will happen.

We are not liable for business losses. We only supply the products to you for private use and/or within your own small business pursuit. You are strictly prohibited from using our products for any commercial, business or re-sale purpose, and we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity if you do not adhere to this stipulation.

You must follow any instructions or manual provided with the product and any other care or implementation advice we may give you. We may include disclaimers within the product where we need to draw your attention to specific areas requiring us to limit our risk. We cannot accept liability for any damage caused by your failure to follow the advice provided.

Subject to the above, our total liability to you shall be limited to the purchase price paid by you for the products.

Nothing in these Terms of Sale will affect your statutory rights as a consumer that may not be legally excluded.

Your Personal Information

We will use the personal information you provide to us to supply the products to you and to process your payment for the products in accordance with our Privacy Policy https://businessgrowthbynumbers.com/privacy-policy/

You acknowledge and understand that we will need to collect certain personal information from you in relation to the purchase you are making, and you grant us permission to do so. We will comply with the requirements of the Data Protection Act 2018 in this regard. If you have any questions please contact our Data Protection Office [email protected] 

Other Important Terms

The legal contract is between you and us. No other person shall have any rights to enforce any of its terms.

These Terms of Sale set out the entire agreement between us in relation to the products we provide to you. They supersede any and all prior agreements, communications and proposals.

If a court finds part of these Terms of Sale illegal, the rest will continue in force. Each of the paragraphs of these terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.

These Terms of Sale are governed by English law and you can bring legal proceedings in respect of the products in the English courts. If you live in Scotland you can bring legal proceedings in respect of the products in either the Scottish or the English courts. If you live in Northern Ireland you can bring legal proceedings in respect of the products in either the Northern Irish or the English courts.

Thank you for reading our terms and conditions of sale. If you have any questions please do not hesitate to contact us. We do hope that you enjoy the products you purchase from us and find them useful. We welcome feedback and love to create happy customers, so do stay in touch and let us know how you get on.

Last updated October 2019


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