Effective Date: 01.07.2016


This website www.coraliesawruk.com is owned and operated by Co and Nuts Risk Solutions Limited. Our company information is at the end of this document.

Please read these terms and conditions carefully. They cancel and replace any previous versions. By registering on or using our Service (as defined below) you agree to be bound by these terms and conditions.


Capitalised terms have the following meanings in these terms and conditions:

  1. “Advisory Services” – advisory services delivered by phone, Skype or in-person.
  2. “Content” – all information of whatever kind (including posts, comments, blogs, chat, images, photos, audio, video,
  3. advertisements, messages etc), published, stored or sent on or in connection with our Service.
  4. “E-Courses” – courses delivered electronically via our website.
  5. “Month” – calendar month.
  6. “Service” – our website and the services we offer or deliver via our website (including Advisory Services and E-Courses) and
  7. any related software and services.
  8. “User” – persons or organisations using our Service.

Changes to the terms and conditions

We may change these terms and conditions by posting the revised version on our website. Please check our website from time to time. You will be bound by the revised agreement if you continue to use our Service following the effective date shown.

Use of our Service

We grant Users a limited personal non-transferable right to use our Service subject to these terms and conditions.

You must not register for or use our Service unless you are acting wholly or mainly in connection with for your trade, business, craft or profession.

Where you communicate with us on behalf of a company / organisation, you promise that you have authority to act on behalf of that entity.

If you are order our Service on behalf of other persons, you must ensure that those persons are aware of and agree to be bound by these terms and conditions. You are in any event responsible for all actions and omissions of each person for whom you order our Service.

You agree that you will not in connection with the Service:

  1. breach any applicable law, regulation or code of conduct;
  2. use the Service to provide a similar service to third parties or otherwise with a view to competing with us;
  3. use the Service for junk mail, spam, pyramid or similar or fraudulent schemes;
  4. do anything which may have the effect of disrupting the Service including worms, viruses, software bombs or mass mailings;
  5. do anything which may negatively affect other Users’ enjoyment of the Service;
  6. gain unauthorised access to any part of the Service or equipment used to provide the Service;
  7. use any automated means to interact with our systems excluding public search engines; or
  8. attempt, encourage or assist any of the above.

You must comply with any guidelines or requirements on our website.

You must promptly comply with any reasonable request or instruction by us in connection with the Service.

We are entitled to impose and/or change limitations on usage of our Service, for example in relation to bandwidth.

You must ensure that any contact or other information which you supply to us is accurate and not misleading and you will update it so that it remains so.

Advisory Services

You must behave in a reasonable and civilized manner in the course of the sessions.

Unless otherwise agreed, payment is as follows:

  1. for a bundle of short-term Advisory Services – payment is due in advance for the number of sessions agreed; or
  2. for long-term Advisory Services – payment is payable Monthly in advance for the number of sessions scheduled for that Month.

In the case of in-person Advisory Services, you must also pay our travelling expenses to be agreed in advance.

If you wish to cancel any session you must inform us by email giving us at least 3 days’ notice. If you do not give such notice, then you must pay the full amount due for the session.

We are entitled to cancel any session at any time by email notice if in our discretion we consider that there are exceptional circumstances, e.g. illness on the part of the person providing the Advisory Services.

If you or we give notice to cancel a session in accordance with this agreement, and if the session is not rescheduled within 10 days, then we will refund any fees you have already paid us which are attributable to that session.


Unless otherwise stated when you order, there is a one-off payment in advance for access to the E-Courses.

For E-Courses only, we offer a 100% money-back guarantee if for any reason you are unhappy with the Service provided you give us notice by email within 30 days of this agreement.

Payment generally

You must make all payments without any set-off, counterclaim or any other deduction. Time shall be of the essence for all payments under this agreement.

If any amount due to us is unpaid (including unjustifiable chargeback), without prejudice to any other remedy that may be available to us, we may charge you: (1) a reasonable additional administration fee; (2) the amount of any third party charges imposed on us; and/or (3) interest (both before and after judgment) on the amount unpaid at the rate for the time being that would be applicable if the debt were a qualifying debt under the Late Payment of Commercial Debts (Interest) Act 1998.

Cancellation or suspension

In respect of Advisory Services, either party may cancel this agreement without cause (including all future sessions) at any time by email. If so, we will refund any fees you have already paid us which are attributable to any unused future sessions excluding those where you have not given us sufficient advance notice of cancellation as explained above.

We are entitled at any time (with or without notice) to cancel this agreement or suspend part or all of our Service if we have reason to believe that you have breached our terms and conditions or if any fees due to us are unpaid / unjustifiably charged back or if it is necessary to protect us or others or if we are required to do so by law or appropriate authority. In such case, there will be no refund.

Following cancellation of this agreement: Your right to use our Service and all licences are terminated. Accrued rights and liabilities are unaffected. All clauses in this agreement which are stated or intended to continue after cancellation will continue to apply. You must not attempt to re-register for or continue to use our Service if we have given you notice of cancellation.

Your Content

You are responsible for your Content on our website including comments you post on our website.

You promise to us that you have (and will retain) all rights and permissions needed to enable use of your Content as contemplated by the Service and these terms and conditions.

We reserve the right without notice or refund to suspend, alter, remove or delete Content or to disclose to the relevant authorities or to a complainant any Content or behaviour if it is the subject of complaint or where we have reason to believe that it breaches our terms and conditions, or that such steps are necessary to protect us or others, or that a criminal act has been committed, or if we are required to do so by law or appropriate authority. If so, you must not attempt to re-publish or re-send the relevant Content.

We do not accept responsibility if your Content is misused by other Users as this is outside our reasonable control.

Content of other Users on our website

You accept that we have no obligation to vet or monitor Users or their Content. You rely on such information and/or deal with other Users at your own risk. We accept no legal responsibility for the accuracy of, or otherwise in relation to, any such Content or in connection with any dealings between Users. It is your responsibility to carry out careful and detailed investigations before dealing with other Users including use of or reliance on their Content. You should not assume that any Content from another User is accurate and be aware that a person may not be who he or she claims to be.

You acknowledge that in using the Service you may be exposed to offensive or other inappropriate Content or behaviour. If so, you must notify us immediately by e-mail. We are under no obligation to enter into dialogue on the receipt of a complaint, nor are we obliged to act on every complaint received or to advise you of any action we do decide to take. All complaints must clearly explain the reason for complaint. If appropriate, you should seek relevant external help, for example from law enforcement authorities and/or stop using the Service.

Third party services / advertising / websites

We may use third party-provided services or display third party advertising within our Service and/or link to third party websites which may be of interest to you. We do not recommend or endorse, nor are we legally responsible for, those sites or services. You use them at your own risk.

Guidance by us

Any advice which we provide in connection with our Service (including Advisory Services and E-Courses) is intended as general guidance information but we cannot guarantee that it is accurate or up to date and we do not accept legal responsibility for it. You rely on such information at your own risk.

Your account

Your account on our Service is for your personal use only and is non-transferable. You must not authorise or permit any other person to use your account. You must take reasonable care to protect and keep confidential your password and other account or identity information. You must notify us immediately of any apparent breach of security such as loss, theft, misuse or unauthorised disclosure or use of a password. You are responsible for third parties who use your account or identity (unless and to the extent that we are at fault).

Functioning of our Service

We do not guarantee that our website will be uninterrupted or error-free and are not responsible for any losses arising from such interruptions or errors.

We are entitled, without notice and without liability, to suspend the Service for repair, maintenance, improvement or other technical reason.

We are entitled, without notice and without liability, to make changes to the Service provided these do not have a material adverse effect.


Nothing in this agreement in any way limits or excludes our liability for negligence causing death or personal injury or for fraud or fraudulent misrepresentation or for anything which may not legally be excluded or limited. In this section, any reference to us includes our employees and agents.

You must give us a reasonable opportunity to remedy any matter for which we are potentially liable before you incur any costs remedying the matter yourself.

Our liability of any kind (including our own negligence) is limited to the amount you paid to us for the Service to which the alleged liability relates.

In no event (including our own negligence) will we be liable for any:

  1. economic losses (including, without limit, loss of revenues, profits, contracts, business or anticipated savings);
  2. loss of goodwill or reputation;
  3. special, indirect or consequential losses; or
  4. damage to or loss of data
    (even if we have been advised of the possibility of such losses).

You will indemnify us against all claims and liabilities directly or indirectly related to your use of our Service and/or breach of this agreement.

To the extent allowed by law, we exclude all terms, whether imposed by statute or by law or otherwise, that are not expressly stated in this agreement.

This agreement constitutes the entire agreement between us with respect to its subject matter and supercedes any previous communications or agreements between us. We both acknowledge that there have been no misrepresentations and that neither of us has relied on any pre-contractual statements. Liability for misrepresentation (excluding fraudulent misrepresentation) relating to the terms of this agreement is excluded.

Intellectual property rights

All trade marks, logos, Content, graphics, images, photographs, animation, videos, text and software used on or supplied to you in connection with the Service (including electronic publications) are our intellectual property or that of our partners. For the purposes of your personal use only, you may view such material on your screen and print a single copy. You may not otherwise use, sublicense, retrieve, display, modify, copy, print, sell, distribute, download, hire, reverse engineer (unless permitted by applicable law) or create extracts of, or derivative works from, such material without our specific prior written consent. This means that you must not distribute our material to any other person whether within your organisation or otherwise but does not stop you linking to or sharing our blogposts.

Just to be clear – you must not collect, scrape, harvest, frame or deep-link to any Content on our Service without our specific prior written consent.


You acknowledge and agree that we may process your personal data in accordance with the terms of our privacy and cookies policy [link] which is subject to change from time to time.

Events outside our control

We are not liable for failure to perform or delay in performing any obligation under this agreement if the failure or delay is caused by any circumstances beyond our reasonable control including third party telecommunication failures.


We may transfer all or part of our rights or duties under this agreement provided we take reasonable steps to ensure that your rights under this agreement are not prejudiced. As this agreement is personal to you, you may not transfer any of your rights or duties under it without our prior written consent.

English law

These terms and conditions shall be governed by English law and any disputes will be decided only by the courts of England.


We may send all notices under this agreement by email to the most recent email address you have supplied to us (unless otherwise stated in this agreement). Headings used in this agreement are for information and not binding. Any failure by either party to exercise or enforce any right or provision of this agreement does not mean this is a “waiver” (i.e. that it cannot be enforced later). If any part of this agreement is ineffective or unenforceable for any reason, then it will be replaced with a provision which as far as possible achieves the same thing and the rest of the agreement shall continue to apply. A person who is not a party to this agreement shall have no rights to enforce this agreement except insofar as expressly stated otherwise. The parties are independent contractors and, except as otherwise specifically stated above, nothing in this agreement constitutes any party as agent, employee or representative of the other.


If you have any complaints, please contact us via the contact details shown below.

Company information

Company name: Co and Nuts Risk Solutions Limited
Country of incorporation: England and Wales.
Registered number: 08624993
Registered office: C/O Paperrocket Accounting, 1st, Floor Venture House, Welwyn Garden City, Hertfordshire, AL7 1TS
Main trading address: C/O Paperrocket Accounting, 1st, Floor Venture House, Welwyn Garden City, Hertfordshire, AL7 1TS
Other contact information: See our website.
VAT number: 168 0825 90

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