Terms & Conditions

TERMS OF USE AND TERMS OF SALE
Last updated: 1 April 2026
1. About These Terms
These Terms and Conditions explain the rules that apply when you visit our websites, use our platforms, create an account, join one of our communities or purchase, access or participate in anything provided by OMB Connect®.
These Terms apply to ownermanaged.business, ombconnect.business and omb.business; any related subdomains, landing pages, checkout pages, course portals and community platforms; and our courses, eBooks, templates, automations, videos, guides, downloads, memberships, communities, events, programmes and other free or paid products and services.
In these Terms, “OMB Connect”, “we”, “us” and “our”.
“Product” means any course, eBook, template, automation, digital download, membership, community, event, programme, resource or other product or service supplied by us.
“Consumer” means an individual purchasing mainly for purposes outside their trade, business, craft or profession. “Business Customer” means someone purchasing mainly for business or professional purposes.
By using our websites, creating an account, placing an order or accessing a Product, you agree to these Terms. If you do not agree to them, you should not use our websites or Products.
Our Privacy Policy and Cookie Policy also apply to your use of our websites and services.
2. Product-Specific Terms
Some Products may have additional terms, eligibility requirements, refund conditions, access periods or completion requirements displayed on the relevant product page, sales page, checkout page, order form or enrolment page.
Those conditions form part of your agreement with us. If a product-specific term directly conflicts with these general Terms, the product-specific term shown to you before purchase will apply to that Product, except where the law requires otherwise.
Information and promises about a Product provided to you before purchase will form part of the contract where applicable law says that they do.
3. Who May Purchase or Use Our Products
You must be at least 18 years old and legally capable of entering into a contract to make a purchase or create a paid account, unless we provide a registration process specifically intended for younger users.
Where a Product is intended for a child or young person, the purchase, enrolment and any required consent must be completed by a parent, guardian or responsible adult unless we clearly state otherwise.
A parent or guardian who purchases or creates access for a young person is responsible for supervising their use of the Product, account and any community features.
If you place an order on behalf of a company, organisation or another person, you confirm that you have authority to bind them to the agreement.
4. Information About Our Products
We aim to describe each Product accurately and to provide the important information you need before purchasing.
Product descriptions may explain the subject matter, format, delivery method, access period, price, compatibility requirements, release schedule, eligibility requirements and any important restrictions.
Images, mock-ups, demonstrations, previews, extracts and sample pages are illustrative. Minor differences in appearance, presentation, formatting or layout may occur between devices, platforms or updated versions.
You are responsible for checking that a Product is suitable for your needs before purchasing. You should contact us before placing an order where you require information that is not available on the relevant product page.
5. Orders and Formation of the Contract
Submitting an order is an offer to purchase the selected Product.
Our acceptance normally takes place when we send you an order confirmation, payment confirmation or access email. A contract between you and us is formed at that point.
We may decline or cancel an order before acceptance where payment has not been authorised; the information provided is incomplete or inaccurate; the Product is unavailable; an obvious pricing or description error has occurred; we reasonably suspect fraud, piracy, misuse or unlawful activity; or we are legally unable to supply the Product.
If we cancel an order after taking payment but before supplying the Product, we will refund the amount paid for the cancelled order.
You must provide complete and accurate information during checkout and keep your contact information up to date.
6. Prices and Payment
The price payable is the price displayed at checkout when you place your order, subject to the correction of an obvious error.
Prices will be displayed in pounds sterling unless another currency is clearly stated. The final amount payable, including applicable taxes and any separately selected extras, will be shown before you complete your purchase.
Optional additions, order bumps, companion packs, upgrades or other extras will only be charged where you actively select or agree to them.
Payments may be processed by third-party payment providers. Their own terms and privacy practices may apply to the payment transaction.
By placing an order, you authorise us and our payment providers to collect the amount displayed at checkout using the payment method you provide.
If a payment fails, is reversed, disputed or remains unpaid, we may withhold or suspend access until the payment issue has been resolved.
Promotional codes, discounts and special offers are subject to any stated expiry date, eligibility conditions and product restrictions. Unless we state otherwise, offers cannot be combined, exchanged for cash or applied retrospectively.
7. Delivery and Immediate Access
Digital Products will normally be supplied through an email, download link, customer account, course portal, membership platform or another method described before purchase.
Where immediate access is offered, access may begin as soon as payment has been accepted. Some Products may instead begin on a specified date or be released in stages.
You are responsible for providing a valid email address; checking your spam, junk and promotions folders; using a compatible device, internet connection and current software; and keeping any downloaded files safely stored.
If you do not receive access within a reasonable time, contact us through the Contact page on one of our websites. We will investigate and, where appropriate, resend access or provide another reasonable solution.
8. Access Periods and Lifetime Access
The access period for a Product will be stated on the relevant product or checkout page.
Where a Product is described as providing “lifetime access”, this means access for the commercial lifetime of that Product or the platform through which it is supplied. It does not mean the lifetime of an individual customer, the company or any particular website.
We may move a Product to another platform, change its delivery method or provide another reasonable way to access it.
If we permanently discontinue a paid Product that was sold with continuing access, we will take reasonable steps appropriate to the circumstances. These may include providing advance notice; allowing material to be downloaded where legally and technically possible; supplying reasonably equivalent replacement content; extending access to another Product; or providing another remedy where required by law.
Downloaded eBooks, templates and files supplied as yours to keep may be retained for your permitted personal or internal business use, subject to the intellectual property provisions in these Terms.
9. Refund Policy
We want every customer to be satisfied with their purchase. Because many of our Products include instantly delivered digital templates, automations, eBooks, downloads and training materials, our commercial policy is that all sales are final and non-refundable unless otherwise stated on the specific product page.
This policy does not remove or restrict any cancellation, refund, repair, replacement, repeat-performance, price-reduction or other right that you have under applicable consumer law.
A change-of-mind refund will not normally be available after digital supply has begun where you validly agreed to the immediate supply and acknowledged that your statutory cancellation right would be lost.
A refund may still be available where the Product is faulty; does not match its description; is not fit for a purpose that was made known to us and accepted by us; was not supplied; cannot be accessed because of a problem within our reasonable control that we cannot resolve; or where another refund or remedy is required by law.
Where a Product page expressly offers a separate refund guarantee, completion rebate or satisfaction promise, that offer will apply in addition to your statutory rights and will be subject to the conditions displayed before purchase.
10. Consumer Cancellation Rights for Digital Content
Courses, eBooks, videos, templates, automations, downloads and other digital content may be supplied immediately after purchase. Therefore, you hereby acknowledge that your purchase cannot be cancelled and that we are not obliged to provide you with a refund.
Refunds for the Product shall only be given in line with our terms & conditions. If you satisfy the eligibility criteria stipulated in the applicable money-back guarantee or completion-rebate policy. If there is a technical issue that we are responsible for; or, if a duplicate payment is made due to a technical fault. An unintended duplicate charge caused by a verified payment or technical error will be refunded.
Please note that money back offers require in all instances, unless said otherwise, provision of evidence that all suggested actions have been fulfilled. We will assess the evidence reasonably, consistently and in good faith against the published eligibility criteria. This does not affect your statutory rights.
10.1 Split Payment Plans
If you have been offered a split payment plan including pay in 2 or pay in 3, you become immediately liable to pay the full fee, as soon as you have ordered.
10.2 Change of Mind & Early Termination
Where immediate supply, access or provision begins, after the act of purchase, this is acknowledgement that your statutory 14-day cancellation right will be lost. With this consent you will not normally have the right to cancel merely because you have changed your mind after access, streaming or downloading has begun, after purchase and payment collection.
Even if you made an accidental purchase, changed your mind, or realised that there are legitimate reasons why the Product is not suitable for you, we will not be able to refund you.
10.3 Technical Issues:
Products and Services may be likely to present technical issues which relate to your device and operating software, or other applications you have installed which can interfere with the performance. Customers must use reasonably compatible and supported devices, browsers, software and internet connections, and issues caused solely by unsupported equipment or third-party software are not normally OMB Connect’s responsibility. Nonetheless, we shall always strive to rectify these issues in a timely manner to ensure the optimum performance for all customers. If we are actively trying to resolve these technical issues, and these issues are not detrimental to your overall access and usage, experiencing them will not constitute grounds for a refund.
11. Consumer Cancellation Rights for Services
Where a Product is legally treated as a service, a Consumer will normally have 14 days from the date the contract is formed to cancel, unless a legal exception applies.
If you ask us to begin providing the service during the cancellation period and later cancel before the service has been fully performed, we may deduct or charge a proportionate amount for the part of the service already supplied where the law allows.
If the service has been fully performed during the cancellation period following your express request and acknowledgement, the statutory cancellation right may be lost.
Where a statutory cancellation right applies, you may cancel by sending us a clear statement through the Contact page on one of our websites before the cancellation period expires. You do not need to use any particular wording, but you must provide enough information for us to identify the purchase.
12. Faulty Digital Content and Services
Nothing in these Terms affects your statutory consumer rights.
Digital content supplied to a Consumer must be of satisfactory quality, fit for any particular purpose made known to us and match its description.
If digital content does not conform to the contract, you may be entitled to a repair, replacement, price reduction, refund or another remedy available under consumer law.
Services supplied to a Consumer will be performed with reasonable care and skill. If they are not, you may be entitled to repeat performance, a price reduction or another available remedy.
Where you believe a Product is faulty, inaccessible or materially different from its description, you should contact us with details of the issue and allow us a reasonable opportunity to investigate and, where appropriate, repair, replace or restore access.
Where a refund is legally due, it will normally be issued to the original payment method unless you expressly agree otherwise. We will not charge a fee for processing a statutory refund.
13. Completion Rebates and Promotional Guarantees
Some Products may include a voluntary completion rebate, money-back guarantee, account credit or another promotional promise.
Any such offer is additional to your statutory rights and is governed by the conditions displayed before purchase. Conditions may include completing specified material; achieving a minimum quiz result; completing the Product within a stated period; submitting a valid request within a stated period; using the Product personally; and complying with these Terms.
Unless the relevant offer states otherwise, any completion period begins on the date of enrolment or the date access is first supplied.
Completion and quiz results may be determined using our platform records. We will act reasonably where a verified technical problem caused by us prevented completion and you reported it promptly.
For the Tax 3-2-1 refundable commitment offer, unless different conditions are clearly shown on the relevant product or checkout page, the customer may earn back the £48 purchase price by completing all required modules, scoring at least 50% on the required quizzes and completing the programme within 60 days of enrolment.
A rebate applies only to the qualifying purchase price and does not include separately purchased Products, order bumps, upgrades, transaction costs or optional additions unless expressly stated.
Voluntary rebates and guarantees are personal to the qualifying customer, cannot be transferred and have no cash value beyond the qualifying amount paid.
14. Subscriptions and Recurring Memberships
Where a Product is sold as a subscription or recurring membership, the price, billing frequency, renewal arrangements, minimum period and cancellation method will be displayed before purchase.
By subscribing, you authorise recurring payments to be collected using your selected payment method until the subscription is cancelled or otherwise ends.
You may cancel future renewals using the method stated on the relevant platform, account page or purchase confirmation. Cancellation will normally take effect at the end of the current paid billing period unless otherwise stated or required by law.
You will normally continue to have access until the end of the period already paid for. Amounts relating to an elapsed or partially used billing period are not normally refundable unless required by law or provided under a stated guarantee.
We will provide reasonable notice of a material price increase or significant change affecting a future renewal. You may cancel before the new price or change takes effect.
A free trial, introductory price or promotional period will convert, renew or end only as explained before registration.
15. Free Products and Communities
We may provide free courses, downloads, templates, newsletters, events, resources or community access.
Free access may be subject to registration and may be changed, restricted or withdrawn where reasonably necessary.
Free Products remain protected by our intellectual property rights and may not be copied, republished, sold, shared or commercially exploited merely because no payment was required.
Nothing in this section removes any rights that apply by law to free digital content or services.
16. Accounts and Security
Your account is personal to you. You must keep your login details confidential; not share an account with another person; not allow another person to access paid content using your credentials; provide accurate registration information; and notify us promptly if you believe that your account has been accessed without permission.
You are responsible for activity carried out through your account where that activity results from your failure to take reasonable steps to protect your login details.
We may require you to reset a password, verify your identity or take another reasonable security measure.
17. Intellectual Property and Your Licence
Unless otherwise stated, all intellectual property rights in our websites and Products belong to us or our licensors.
This includes course structures, lessons, videos, audio, eBooks, text, graphics, illustrations, templates, automations, systems, worksheets, quizzes, software, downloads, branding, designs and community materials created by us.
When you lawfully obtain a Product, we grant you a limited, personal, non-exclusive, non-transferable and revocable licence to access and use it for your own personal learning or internal business use.
You do not acquire ownership of the intellectual property in a Product.
Unless we expressly authorise it in writing, you must not copy, reproduce, record, screen-record, photograph, scrape, republish, upload, transmit, distribute, translate, modify, adapt, sell, license, rent or commercially exploit our content; share downloads, login credentials or course access with another person; remove copyright, trademark or ownership notices; use our content to create a competing course, publication, database, automation, system or service; use automated technology to extract our content or data; use our content to train, develop or improve an artificial intelligence system; or make our content available through file-sharing services, social media, messaging groups or any other distribution channel.
You may download, print or store material only where the Product expressly allows it and only for the permitted personal or internal business use.
Unauthorised access, sharing, copying or distribution may result in suspension or removal of access and legal action. Removal of access for a serious intellectual property breach does not affect any other right or remedy available to us.
18. OMB Connect® Branding
OMB Connect® and associated names, logos, product titles, graphics and branding are trademarks or other protected identifiers belonging to us or used with permission.
Nothing in these Terms gives you permission to use our branding in a way that suggests sponsorship, endorsement, partnership or affiliation.
19. Communities and Acceptable Conduct
Where a Product includes a community, group, comments section, live event or interactive feature, you must behave lawfully and respectfully.
You must not post or share unlawful, abusive, threatening, discriminatory, defamatory, obscene, deliberately misleading or infringing material; harass, intimidate or impersonate another person; disclose another person’s confidential or personal information without permission; advertise, solicit, recruit or send spam without approval; distribute malware or harmful code; attempt to gain unauthorised access to an account or system; share paid OMB Connect® content; or interfere with another person’s use of the community.
You remain responsible for anything you post or submit.
We may moderate, hide or remove content and may restrict or suspend access where we reasonably believe these Terms have been breached or action is necessary to protect users, the community or our legal rights.
We are not responsible for opinions, claims or advice posted by community members. Community discussions do not constitute professional advice from OMB Connect®.
20. Content You Submit
You retain ownership of content you create and submit to us.
By posting content within a community or submitting material for use within a Product, you give us a non-exclusive, worldwide and royalty-free licence to host, store, reproduce and display that content only as reasonably necessary to operate, moderate and provide the relevant service.
You confirm that you own the content or have permission to submit it and that its use will not infringe another person’s rights.
You should not upload confidential records, identification documents, detailed personal financial information, health information or other sensitive information unless we have specifically asked for it through an appropriate process.
If you submit a review, testimonial, photograph or recording, we will use it publicly only in accordance with the permission provided at the time or another agreement made with you.
21. Educational Purposes and No Professional Advice
OMB Connect® is an educational platform created to educate, entertain and empower.
Our content provides general education, information, commentary and illustrative examples. It is not personalised tax, accounting, financial, investment, legal, employment, regulatory or other professional advice and should not be relied upon as a substitute for advice tailored to your circumstances.
Although members of our team may include qualified accountants, business advisers or experienced entrepreneurs, accessing our websites or Products does not create an accountant-client, adviser-client, fiduciary, legal or other professional relationship.
Examples, calculations, stories, case studies, templates, automations and demonstrations may be simplified for educational purposes and may not reflect every exception, jurisdiction, commercial fact or personal circumstance.
Tax, business, accounting, marketing and financial rules and practices may change. Content may reflect the law, guidance, systems or practices understood to apply when it was produced or last updated.
You are responsible for checking current rules, maintaining appropriate records and obtaining advice from a suitably qualified professional where necessary.
22. No Guarantee of Results
We do not guarantee that using a Product will produce a particular tax saving, financial return, grade, qualification, income level, business result, employment outcome, advertising result or other outcome.
Results depend on factors outside our control, including your starting position, circumstances, decisions, implementation, effort, experience, business model, market conditions and changes in law or technology.
Testimonials, reviews, examples and case studies describe individual experiences or illustrative situations. They do not guarantee that you will achieve the same outcome.
You remain responsible for your own decisions, actions, filings, calculations, advertising, implementation and use of the information provided.
23. Product Updates, Changes and Availability
We may update Products to correct errors; reflect changes in law, guidance, software or industry practice; replace outdated content; improve presentation, security or accessibility; change a platform or technical format; or make minor improvements that do not materially reduce the Product’s overall purpose.
We may replace a module, lesson, file, automation or resource with an updated or reasonably equivalent version.
We will not use this provision to remove a material paid benefit without a valid reason or an appropriate remedy where one is required by law.
We do not guarantee that websites, platforms or Products will always be uninterrupted or free from technical problems. We will take reasonable steps to address problems within our control.
We may temporarily suspend access for maintenance, security, legal compliance or urgent technical reasons.
24. Non-Affiliation with Social and Media Platforms
Our websites, Products, advertisements and services are not part of Facebook or Meta Platforms, Inc. and are not endorsed, sponsored or administered by Facebook or Meta Platforms, Inc. in any way.
Unless we expressly state otherwise, our websites and Products are not affiliated with, endorsed by, sponsored by or administered by Instagram, YouTube, Pinterest, TikTok, Snapchat or any other social media, advertising, technology or media platform.
References to third-party platforms may be made for educational, descriptive, advertising or compatibility purposes only.
All third-party platform names, logos, brands and trademarks belong to their respective owners. Their appearance on our websites or within our Products does not imply any partnership, approval or endorsement.
Your use of any third-party platform remains subject to that platform’s own terms, policies, advertising rules and privacy practices.
25. Affiliate Links and Commercial Relationships
Our websites, emails, Products, communities and other content may contain affiliate links.
An affiliate link means that if you click the link and later purchase a product or service, we may receive a commission, referral payment or another benefit. This will normally be at no additional cost to you.
Where required, we will identify the affiliate or commercial nature of the relevant link, recommendation or content clearly and prominently at or near the point where it appears.
The presence of an affiliate link does not mean that a third-party product is supplied by OMB Connect®. Independent third-party products are supplied by the relevant seller under its own terms, refund policy and privacy policy.
We aim to recommend products and services that we consider potentially relevant or useful, but you remain responsible for assessing whether a third-party product is suitable for you.
We are not responsible for the availability, accuracy, security, quality, performance or claims of an independent third-party website, seller, product or service.
26. Third-Party Platforms and Links
We may use third-party platforms to host courses, communities, videos, payments, events, forms, automations or communications.
Your use of those platforms may also be subject to the platform provider’s own terms and privacy policy.
Links to external websites are provided for convenience or information. A link does not mean that we endorse every statement, product or activity on that website.
We are not responsible for external websites or platforms that we do not control.
27. Communications
We may contact you using the details you provide to deliver purchases; provide account, access or security information; answer enquiries; administer courses, communities, events, subscriptions or rebates; notify you of important changes; and send marketing where permitted by law.
Communications may be sent from addresses or systems using ombconnect.business, omb.business or another channel clearly identified as belonging to OMB Connect®.
We and service providers acting on our behalf may use automated systems to schedule or deliver emails, text messages or other communications.
Marketing will be sent only where we have a lawful basis to do so. You may withdraw consent or opt out of marketing at any time using the unsubscribe or opt-out method provided.
Opting out of marketing does not prevent us from sending communications reasonably necessary to administer an order, account, membership or service.
We will not give an independent partner permission to market its own Products to you unless the partner and purpose have been properly identified and any consent required by law has been obtained.
28. Suspension and Termination
You may stop using a free Product or close an account at any time, subject to any applicable subscription or purchase conditions.
We may suspend or terminate access where you materially or repeatedly breach these Terms; share accounts or paid content without permission; fail to make a payment that is due; use a Product unlawfully; act fraudulently; threaten or seriously abuse staff or community members; compromise platform security; or create a material risk to us, our users or a third party.
Where appropriate, we will give you notice and a reasonable opportunity to correct the issue. Immediate action may be taken where the breach is serious, unlawful, fraudulent, dangerous or incapable of being corrected.
Where access is properly terminated because of your material breach, you will not normally be entitled to a refund for access already supplied. This does not affect any statutory right or remedy that cannot lawfully be excluded.
The provisions concerning intellectual property, confidentiality, liability, payment obligations and dispute resolution will continue where their nature requires them to survive termination.
29. Our Responsibility to Consumers
If you are a Consumer, we are responsible for losses that are a foreseeable result of our breach of these Terms or our failure to use reasonable care and skill.
A loss is foreseeable where it was obvious that it would happen or where both you and we knew that it might happen when the contract was formed.
We do not exclude or limit liability where it would be unlawful to do so. This includes liability for death or personal injury caused by negligence; fraud or fraudulent misrepresentation; breach of statutory rights that cannot be excluded; and any other liability that the law does not allow us to exclude.
We are not responsible for loss caused by information or circumstances you failed to disclose; your use of a Product contrary to our instructions; an independent decision made without obtaining appropriate professional advice; a third-party platform or service outside our reasonable control; or an event outside our reasonable control.
Where you purchase as a Consumer, our Products are supplied for personal and private use. We are not responsible for business losses, loss of profit, loss of business, loss of opportunity or business interruption arising from a Consumer purchase.
Nothing in these Terms affects your statutory consumer rights.
30. Our Responsibility to Business Customers
This section applies only where you are a Business Customer.
To the fullest extent permitted by law, we will not be liable for loss of profit, revenue, sales, business, contracts, anticipated savings, goodwill, reputation, opportunity or data; business interruption; or any indirect or consequential loss.
Our total aggregate liability arising from a particular Product or order will not exceed the total amount you paid us for that Product or order during the 12 months immediately preceding the event giving rise to the claim.
The exclusions and limits in this section do not apply to death or personal injury caused by negligence; fraud or fraudulent misrepresentation; deliberate default; or any liability that cannot lawfully be excluded or limited.
31. Events Outside Our Control
We are not responsible for a delay or failure caused by events outside our reasonable control, including internet or hosting failures; disruption to third-party platforms; power failures; cyberattacks; industrial disputes; natural disasters; epidemics or pandemics; war, terrorism or civil unrest; governmental action; or failure of telecommunications or payment systems.
We will take reasonable steps to reduce the effects of the disruption and restore the affected service.
If a significant paid service cannot be provided for an extended period, we will consider an appropriate solution. This may include rescheduling; extending access; providing an alternative; or issuing a refund where required by law.
32. Changes to These Terms
We may update these Terms to reflect changes in law, regulation, our Products, our business structure or the technology we use.
The Terms in force when you place an order will normally continue to govern that purchase.
A later version may apply where a continuing membership or service renews; where a change is legally required; or where the change is reasonable and does not remove an accrued right.
We will provide reasonable notice of a material change affecting an ongoing paid Product where required.
The latest version will be published on our websites with the date it was last updated.
33. Complaints and Contact
If you have a complaint, refund request, access issue or question about these Terms, contact us through the Contact page on ownermanaged.business, ombconnect.business or omb.business.
Please provide your name, order email, order details and a clear explanation of the issue so that we can identify the purchase and investigate.
We will aim to respond within a reasonable time.
Nothing in this section prevents a Consumer from contacting Citizens Advice, Trading Standards, an applicable alternative dispute resolution provider or a court.
34. Governing Law and Courts
These Terms and any dispute or claim arising from them are governed by the laws of England and Wales.
If you are a Consumer living in England or Wales, proceedings may be brought in the courts of England and Wales. If you are a Consumer living in Scotland, you may normally bring proceedings in Scotland or England and Wales. If you are a Consumer living in Northern Ireland, you may normally bring proceedings in Northern Ireland or England and Wales.
If you live outside the United Kingdom, these Terms do not exclude any mandatory consumer protections or court rights that apply under the laws of your country of residence.
If you are a Business Customer, the courts of England and Wales will have exclusive jurisdiction.
35. General Terms
We may transfer our rights and obligations under these Terms to another organisation as part of a sale, reorganisation or transfer of our business, provided that doing so does not materially reduce your rights. We will notify you where required.
You may not transfer your account, licence or rights under these Terms without our written agreement.
If we do not immediately enforce a right, that does not mean that we have waived it.
If any provision is found to be unlawful or unenforceable, the remaining provisions will continue to apply.
These Terms do not give any third party a right to enforce them under the Contracts (Rights of Third Parties) Act 1999.
Nothing in these Terms creates a partnership, employment relationship, agency or joint venture between you and us.