IMPORTANT LEGAL NOTICE
These Terms and Conditions are drafted to align with UK consumer law, including the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, the Consumer Rights Act 2015, and applicable UK GDPR principles.
By purchasing and/or accessing our services, you enter into a legally binding agreement with Chiara Capital Consulting Limited, trading as BackPack Closers.
1. DEFINITIONS
- "Company", "we", "us", "our" means Chiara Capital Consulting Limited trading as BackPack Closers, and all associated brands, platforms, contractors, staff, and representatives.
- "Customer", "you", "your" means any individual who purchases, accesses, or uses our services.
- "Services" means all digital education products and services, including online courses, training materials, live and recorded Zoom calls, coaching, community access, networking platforms, and job board access.
- "Digital Content" means any content supplied in digital form, including videos, recordings, documents, templates, scripts, and training materials.
- "Community" means the Back Pack Closers private community, including any associated platforms.
2. ACCEPTANCE & CONTRACT FORMATION
A legally binding contract is formed when: you complete checkout, you accept these Terms and Conditions, and you submit payment. By doing so, you confirm that you have read, understood, and agreed to be bound by these Terms in full.
3. MARKETING, ADVERTISING & REPRESENTATIONS
3.1 No Guaranteed Results
The Company makes no guarantees regarding: income or earnings, employment or job placement, sales performance, or business success. All testimonials, examples, demonstrations, or case studies are illustrative only. Individual results vary based on effort, skill, experience, market conditions, and external factors outside our control.
3.2 No Reliance on Marketing Statements
You acknowledge that marketing materials are not contractual promises and you have not relied on marketing statements when deciding to purchase.
3.3 Forward-Looking Statements
Any projections or future-oriented statements are opinions only and not guarantees of performance.
4. DATA COLLECTION & MARKETING CONSENT
By providing your details, you consent to the collection, processing, storage, and use of your data in accordance with UK GDPR, and you consent to marketing communications via email, SMS, phone, and digital platforms. You may unsubscribe from marketing communications at any time. Service-related communications will continue where necessary.
5. SERVICES PROVIDED
The Company provides online education and training relating to remote high-ticket sales, including: sales skills training, live and recorded sessions, weekly Zoom calls, community and networking access, and access to a job board featuring third-party opportunities. All Services are delivered digitally.
6. JOB BOARD & THIRD-PARTY DISCLAIMER
6.1 No Employment Relationship
The Company is not an employer, recruitment agency, employment business, agent, or intermediary. Any job opportunities displayed, shared, or referenced via our job board:
- Are submitted and managed solely by independent third-party business owners or organisations.
- Do not constitute an offer of employment, engagement, or contract from the Company.
- Are provided for informational and networking purposes only.
The Company does not participate in, control, or influence hiring decisions.
6.2 Post-Placement Responsibility & Due Diligence
Where you choose to apply for, accept, or engage in any role advertised on the job board, you acknowledge and agree that:
- Any employment, contractor, or commercial relationship is strictly between you and the third-party employer.
- All matters relating to pay, commissions, hours, targets, workload, tax treatment, benefits, working conditions, termination, and dispute resolution are agreed solely between you and the third-party employer.
- The Company has no involvement in, and accepts no responsibility or liability for, the performance, conduct, actions, omissions, or representations of any third-party employer.
While the Company may carry out limited vetting of businesses for suitability, you acknowledge that such vetting is not exhaustive and does not constitute due diligence. You are solely responsible for conducting your own independent due diligence before accepting any role. The Company accepts no liability for any loss, damage, dispute, non-payment, misrepresentation, or adverse outcome arising from your engagement with any third-party employer.
7. COMMUNITY RULES & CONDUCT
You agree to act professionally within the Community. We operate a zero-tolerance policy for: abuse or harassment, hate speech or discrimination, disruption or spamming, and defamation or threats. Breaches may result in immediate termination without refund.
8. INTELLECTUAL PROPERTY
All Digital Content remains the exclusive property of the Company. You may not copy, reproduce, distribute, sell, or share any content. Unauthorised use will result in termination and potential legal action.
9. ELIGIBILITY
You confirm that you are at least 18 years old and you have the legal capacity to enter into a contract.
10. PRICING, PAYMENTS & ACCESS
- Prices are displayed in GBP unless stated otherwise.
- Payment plans must be completed in full.
- Access to Services is granted immediately upon successful payment.
- Failure to pay may result in suspension or termination of access.
11. DIGITAL CONTENT, IMMEDIATE ACCESS & WAIVER OF CANCELLATION RIGHTS
11.1 Statutory Cooling-Off Period
Consumers generally have a 14-day right to cancel under UK law.
11.2 Express Request for Immediate Performance
By completing your purchase, you expressly confirm the following:
"I expressly request immediate access to the digital content, live training, community and services provided by BackPack Closers. I acknowledge that once access is granted, I will lose my statutory 14-day right to cancel under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013."
This confirmation is captured via an active, unticked checkbox at checkout and forms a binding part of this agreement.
11.3 Effect of Access
Once any of the following occurs — platform login, viewing, streaming, or downloading content, joining the Community, attending live or recorded sessions, or accessing the job board — your statutory right to cancel is fully waived and no refund will be due.
12. REFUND POLICY (CHARGEBACK-RESISTANT)
This Refund Policy forms part of these Terms and Conditions.
12.1 Digital Services – Immediate Performance
All Services are digital services supplied with immediate performance upon your express request.
12.2 Access Equals Consumption
Any access constitutes consumption of the Services. Once consumption occurs, all sales are final.
12.3 Cooling-Off Period (Where Applicable)
If and only if no access has been granted, cancellation may occur within 14 days of purchase.
12.4 No Refunds After 14 Days
Where no waiver applies, all cancellation rights expire after 14 days. No refunds are available thereafter.
12.5 Breach of Terms
No refunds will be issued where access is terminated due to breach, misconduct, or misuse of content.
12.6 Chargebacks & Payment Disputes
You agree not to initiate a chargeback without first contacting us. Chargebacks raised in contradiction of these Terms constitute a breach of contract.
12.7 Discretionary Refunds
Any refund issued is at our sole discretion, without admission of liability, and will be reduced by administrative and processing fees.
13. LIMITATION OF LIABILITY
To the fullest extent permitted by law, our total liability shall not exceed the amount paid by you.
14. TERMINATION
We may terminate or suspend access for breach, non-payment, misconduct, or reputational risk. No refund will be issued upon termination.
15. FORCE MAJEURE
We are not liable for delays or failures caused by events beyond our reasonable control.
16. CONSUMER RIGHTS
Nothing in these Terms limits your statutory rights under UK law.
17. GOVERNING LAW & JURISDICTION
These Terms are governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction.
18. CONTACT DETAILS
BackPack Closers
Registered Business: Chiara Capital Consulting Limited (BackPack Closers)
Business Address: Registered in Ireland. Business address available upon written request in accordance with Irish and EU legal requirements.
Contact Email: marketing@backpackclosers.com