Terms & Conditions

1. About these terms

These terms govern everything we provide, whether you pay us or not. They apply to our website, the Accelerator software, our mentorship and VIP programmes, one-off sessions, our communities and any other service we supply.

By buying from us, creating an account, or using any of our services, you agree to be bound by these terms. If you do not agree, do not use the services.

These terms work alongside our Privacy Policy and our Refund & Cancellation Policy, both of which form part of your agreement with us. Where a part of these terms applies to only one service, it says so.

2. Who we are

In these terms, "we", "us" and "our" mean PSN Property Education. "You" means the person buying from or using our services.

3. What we provide

Depending on what you have bought, we may provide:

• Accelerator software, a platform giving property data, deal analysis tools, calculators, an off-market deal finder, an investor finder, a pipeline and portfolio tracker, planning tools and educational content;
• Mentorship, education-led guidance delivered through calls, plans, reviews and messaging;
• The VIP programme, a twelve month education-led mentorship at a higher level of access;
• One-off strategy sessions, a single booked call;
• Community access, free and paid groups hosted on third-party platforms;
• Digital content, including training, templates, recordings and written material.

We may add to, change or remove features to improve what we offer. We will not materially reduce the core of something you have paid for without telling you.

4. No advice and no guaranteed outcomes

4.1 Everything we provide is education and information

All of our content, data, tools, calculators, estimates, verdicts, projections, plans, calls, templates and guidance are provided for general educational and informational purposes only. Nothing we provide is, or should be relied on as, financial, investment, mortgage, tax, legal, valuation, planning or other professional advice, and nothing is a personal recommendation to buy, sell, finance or invest in anything.

We are not authorised or regulated by the Financial Conduct Authority. We do not give regulated financial advice, we do not arrange or recommend regulated investments, and nothing we publish is a financial promotion or an inducement to engage in regulated investment activity.

Any deal verdict, score, yield, projection or estimated value produced by the software is a calculation based on assumptions and public data. It is a starting point for your own research, not a recommendation.

You are solely responsible for your own due diligence and for every decision you make. We strongly recommend you take independent advice from suitably qualified and, where relevant, regulated professionals, such as a solicitor, accountant, tax adviser, surveyor or FCA-authorised mortgage or financial adviser, before you commit to any transaction or borrowing.

4.2 We do not guarantee results

We make no guarantee or representation about income, profit, deals, business performance, investment outcomes or financial success. Any example, case study, figure or reference to a result, whether ours or someone else's, is illustrative only and does not represent a typical or guaranteed outcome. Your results depend on your circumstances, your market, your capital, your effort and factors outside anyone's control.

4.3 What our services are not

Our programmes are education-led mentorship and guidance. They are not done-for-you services, and they are not advisory, management, brokerage, agency, sourcing or introducer services. We provide guidance, strategic input, accountability and educational support. You remain fully responsible for implementation, execution, regulatory compliance and decision-making in your own business.

5. Your account

You must be at least 18. You must give accurate information when you register and keep it up to date.

Your account is personal to you and licensed on a per-user basis. You are responsible for keeping your password secure and for everything done under your account. Do not share your login. Tell us promptly at support@psnproperty.co.uk if you think someone else has accessed it. We will never ask you for your password.

6. Acceptable use

You agree not to:

• share your login, or let more people use an account than your purchase covers;
• scrape, harvest, bulk-extract, mirror or systematically copy data or content by any automated means, including bots, crawlers, scripts and data-mining tools;
• copy, record, resell, republish, license or distribute our content, recordings, templates or data, or use them to build a competing product or service;
• use our services in breach of any law, or to infringe anyone's rights;
• attempt to gain unauthorised access to our systems, introduce malware, or interfere with normal operation;
• abuse, harass or threaten our team or other members;
• publish personal or confidential information about any person without a lawful basis.

We apply fair use to protect performance for everyone. If usage looks excessive or automated we may contact you, apply reasonable limits, or suspend access.

7. Your licence to use Accelerator

We grant you a personal, non-exclusive, non-transferable, revocable licence to use Accelerator for your own property research and your own property business, for as long as your access is active and you comply with these terms.

You may view data on screen, and save or export it for your own use within your own business. You may not share, resell, sublicense, redistribute or otherwise commercially exploit Accelerator or its data except as these terms expressly allow.

8. Where the data comes from

Accelerator brings together information published by public bodies and official registers. The main sources are:

• Energy Performance Certificate registers. For England and Wales, the register published by the Ministry of Housing, Communities and Local Government. For Scotland, the Scottish EPC Register published by the Scottish Government, accessed through a third-party service.
• HM Land Registry Price Paid Data for sold prices and sale history in England and Wales. Equivalent per-property sale data is not published in Scotland.
• HM Land Registry UK House Price Index for area price movements.
• Companies House for company and director information used by the investor finder.
• Office for National Statistics rental data, postcodes.io and Ordnance Survey open data for geography, and planning.data.gov.uk for Article 4 areas.
• Google Maps for street view imagery, subject to Google's own terms.

Some of this is subject to the licence terms of the body that published it, including Crown copyright, the Open Government Licence, and third-party rights in address data. Your licence to use Accelerator gives you no broader right in that underlying data than the publisher allows.

9. Accuracy

We take care with the data but we do not create it and we cannot guarantee it. Public registers contain errors, gaps and out-of-date records. An EPC may have been superseded. A property may have been sold, improved, extended or demolished since it was last recorded. Addresses may be incomplete or ambiguous.

Estimated values, rents, yields, refurbishment figures and projections are calculations based on assumptions, comparable evidence and averages. They are not valuations and they are not a substitute for a survey, a RICS valuation or a solicitor's due diligence.

Accelerator is provided "as is" and "as available". We do not warrant that it will be uninterrupted, error-free, complete or accurate. Nothing here affects your statutory right under the Consumer Rights Act 2015 to services supplied with reasonable care and skill.

10. Who is responsible for personal data

We both have to comply with the UK GDPR and the Data Protection Act 2018. This section explains where our responsibility ends and yours begins, because it genuinely does move.

10.1 Where we are responsible

We are the controller for your account, billing and usage data, and for the property data we assemble and publish inside Accelerator. Our Privacy Policy explains what we hold, why, and your rights.

10.2 Where you become responsible

That means you are responsible for:

• Having your own lawful basis. For direct mail to property owners this is usually legitimate interests. You should carry out and keep a legitimate interests assessment weighing your interest against the rights and reasonable expectations of the person you are writing to.
• Registering with the Information Commissioner's Office and paying the data protection fee, if your processing requires it. Most people running a property sourcing or investment business that holds owner details will need to register.
• Telling people how you got their details. Where you collect personal data from a source other than the person themselves, the law requires you to tell them, normally within a month or when you first contact them.
• Handling requests yourself. If someone asks what you hold, asks you to correct or erase it, or objects to your processing, that request is yours to answer. Pass on anything relating to what we hold and we will deal with our part.
• Keeping it secure and not keeping it longer than you need it.

We do not know who you contact, what you say, or what you do with what you find, so we cannot carry that responsibility for you and we do not accept it.

10.3 Data you put into Accelerator about other people

When you save a lead, deal, property or contact into your own pipeline or records inside Accelerator, we store and process that information on your behalf and on your instructions. For that data you are the controller and we act as your processor. In that role we agree that we will:

• process it only to provide the service to you and on your instructions, unless the law requires otherwise;
• keep it confidential and require the same of anyone we allow to access it;
• apply appropriate technical and organisational security measures;
• use sub-processors to run the service, as listed in our Privacy Policy, under terms no less protective than these, and tell you before we add or replace one;
• help you, so far as we reasonably can, to respond to requests from individuals and to meet your security, breach-notification and assessment obligations;
• tell you without undue delay if we become aware of a personal data breach affecting it;
• delete or return it when your access ends, as set out in clause 25, except where we must keep it by law;
• make available the information you reasonably need to show we are meeting these obligations.

11. Writing to owners

Accelerator can draft a letter to a property owner. The draft is a template and a convenience. The campaign is yours. When you use it you agree to the following.

11.1 Post only

Addresses and details from Accelerator may be used for addressed direct mail to the property. You must not use them to make marketing phone calls, or to send marketing texts, emails or other electronic messages. Those are governed by the Privacy and Electronic Communications Regulations, which are stricter and carry separate consent and screening obligations, including screening against the Telephone Preference Service.

11.2 Identify yourself

Every letter must make clear who is writing, on behalf of which business, and how the recipient can reply. Do not write anonymously, do not imply you are writing on our behalf, and do not imply any connection with us, with Property Accelerator or with any public body, council or register.

11.3 Give a way to opt out, and honour it

Every letter must tell the recipient how to ask you not to contact them again, and that must be easy to do. When someone asks you to stop:

• stop writing to them immediately;
• record it on your own suppression list and keep that list indefinitely so you do not contact them again by accident;
• do not re-add them if they reappear in a later search.

We do not know who has opted out of your campaigns and we cannot screen your mailings for you. Maintaining your suppression list is your responsibility.

11.4 Be straight with people

You must not mislead, pressure or harass anyone. Do not misrepresent what you are offering, what a property is worth, or what will happen if they do not respond. Do not target anyone you have reason to think is vulnerable in a way that takes advantage of that. Do not write repeatedly to someone who has not responded in a way that would amount to harassment.

11.5 Your own regulatory obligations

If you source property for others you may also need to register with HMRC for anti-money-laundering supervision, belong to a property redress scheme, hold client money protection and carry professional indemnity insurance. Those obligations are yours and nothing in our services discharges them.

12. What you must not do with the data

You must not:

• sell, rent, license or otherwise supply addresses or property data from Accelerator to anyone else, including other investors, sourcers or agents;
• add data from Accelerator to a marketing list, database or product that is shared with or sold to third parties;
• use it to build, train or populate a competing product or service;
• publish it, post it publicly, or share it in a way that identifies a property owner;
• combine it with other sources to build a profile of an identifiable individual beyond what you need to make a property approach;
• use it for any purpose the publisher of the underlying data does not permit.

Using Accelerator for your own property business is fine. Turning it into a lead list for other people is not.

13. Mentorship

Where your plan includes mentorship, it is delivered as education-led guidance and may include, where stated for your plan:

• video calls with Paul, of the number and length stated when you bought;
• review of your plan and progress, and written or recorded feedback;
• voice notes or messages, at a frequency stated for your plan;
• access to community spaces and group calls.

Calls must be booked by you and are subject to availability. Unused calls do not roll over. Calls are for mentoring, guidance and questions only. Additional support may be provided by email, messaging or community spaces; response times are not guaranteed and are at our discretion.

The focus of mentorship may evolve over time and may cover property investing, property sourcing, business development, online education businesses, and strategy, systems and planning. A change of focus is not a new contract, a replacement service or a failure to deliver.

We may record calls for your benefit and ours. Tell us before a call if you do not want it recorded. Do not record, publish or share a call, or share the private material we give you, without our written permission.

14. VIP programme

The VIP programme is a twelve month education-led mentorship, offered by application and limited in number. It runs for twelve months from the start date we confirm to you, and the commitment is for the full twelve months.

What is included is set out in your programme details when you join and may include a higher frequency of one-to-one calls, direct access on agreed terms, business coaching and access to the Accelerator software for the twelve month period.

Where Accelerator access is included in VIP, it is provided for the duration of your programme. When the programme ends, Accelerator access ends unless you take out a paid Accelerator subscription. We will tell you before that happens and your data will be kept as set out in clause 25 so you can continue where you left off.

VIP places may be paid in full or by payment plan. Clause 19 applies to payment plans.

15. One-off strategy sessions

A strategy session is a single booked call of the length stated when you book, paid for in advance. Booking is through our scheduling provider and is subject to availability.

If you need to move a session, give us as much notice as you can and we will do our best to rearrange. If you do not attend a booked session and have not told us in advance, the session is treated as delivered.

A strategy session is guidance and education only. Clause 4 applies in full.

16. Communities

Some access is delivered through third-party community platforms. Your use of those platforms is also subject to their own terms, and where a paid community is billed by that platform, your billing relationship for it is with them.

In any community space you must be civil, must not promote or sell to other members without our permission, must not share other members' personal or confidential information, and must not share our paid content with people who have not paid for it. We may remove content or remove you from a community if you break this.

Anything another member says is theirs, not ours. We do not endorse it and we are not responsible for it.

17. Prices and payment

Prices are shown before you buy and confirmed at checkout. Card payments are taken by Stripe; we do not store your card details. Some community memberships are billed by the platform hosting them.

If a price is shown exclusive of VAT we will say so and VAT is added at checkout.

18. Subscriptions

Subscriptions renew automatically at the end of each billing period at the then-current price, using your payment method on file, until you cancel.

We will give you reasonable notice before any price change, and you may cancel before it takes effect if you do not want to pay the new price.

If a payment fails we may retry it and may suspend access until it is paid.

19. Payment plans

Where a payment plan is offered:

• the plan represents a commitment to the full purchase price;
• payments are taken automatically on the agreed schedule;
• stopping early does not release you from the remaining payments;
• no refund is given for partial completion or non-use;
• if payments fail we may suspend access, and suspension does not cancel what is owed.

This clause does not override your statutory rights, including any right to cancel under clause 20 or any right arising if we are in breach.

20. Cancelling and refunds

Our Refund & Cancellation Policy forms part of these terms and sets out the detail. In summary:

20.1 Subscriptions

You can cancel a subscription at any time from your account or by emailing us. Cancelling stops the next payment. You keep access to the end of the period you have already paid for. There is no cancellation fee. We do not generally refund part-used periods.

20.2 Your statutory right to cancel

If you are a consumer buying at a distance, you normally have 14 days to change your mind under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

Because our services are digital and are made available immediately, at checkout we ask you to request immediate access and to acknowledge that you lose the right to cancel once the digital content has been supplied. If you give that acknowledgement and we then supply the content or begin the service, the 14 day right no longer applies.

Where a service has begun but is not complete at the point you cancel within the 14 days, you may be required to pay for what has already been supplied, in proportion to the whole contract.

Nothing here removes your rights under the Consumer Rights Act 2015 if what we supply is not as described, not of satisfactory quality, or not carried out with reasonable care and skill.

20.3 If something has gone wrong

Email support@psnproperty.co.uk and tell us. We would rather put it right than argue about it.

21. Intellectual property

Our services, software, design, structure, calculators, methodology, templates, written material, recordings and video are owned by us or licensed to us and are protected by copyright and other rights. Nothing in these terms transfers any of those rights to you. Underlying public data remains the property of whoever published it and is used under their licence terms.

21.1 Your content

Anything you put into our services, such as your deals, properties, notes and plans, stays yours. You give us the limited permission we need to store, process and display it back to you so the service works. We do not sell it and we do not share it with other members.

If you post in a community space, you allow us and other members to see it there, and you allow us to keep it while the community exists.

22. Availability

We work to keep our services available, but we may need to suspend them for maintenance, upgrades or reasons outside our control. Some features depend on third-party services and public APIs we do not control, and those can change, rate-limit, degrade or be withdrawn. Where that happens we will do what we reasonably can to restore or replace the feature.

23. Our liability

Nothing in these terms limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot lawfully be limited, including your statutory rights as a consumer.

Subject to that:

• we are not liable for any investment, business or financial decision you make, or for any loss on a property transaction;
• we are not liable for loss that was not reasonably foreseeable;
• for business users, we are not liable for loss of profits, revenue, business, goodwill, data or anticipated savings, or for indirect or consequential loss;
• we are not liable for any claim, penalty or enforcement action arising from how you contact property owners or handle their personal data, which is dealt with in clauses 10 and 11;
• our total liability connected with our services is limited to the total amount you paid us in the 12 months before the event giving rise to the claim.

If you are a consumer, our services are supplied for your personal use and we are not responsible for business losses.

24. Indemnity

If you use our services for business purposes, you agree to indemnify us against losses, damages, claims and reasonable costs arising from your breach of these terms, your misuse of our services or data, your contact with property owners, or your handling of personal data obtained through our services. This clause does not apply where you use our services purely as a consumer.

25. Suspension and ending your access

We may suspend or end your access if you materially breach these terms, if your account is genuinely overdue, if we are required to by law, or if we reasonably suspect unlawful use. Where it is reasonable to do so we will tell you first and give you a chance to put it right.

When your access ends we will keep your data available to you for a reasonable period so you can reactivate or export it, and we will give you notice before deleting it. Retention periods are set out in our Privacy Policy.

Ending your access does not cancel sums already owed under a payment plan.

26. Changes to these terms

We may update these terms as our services and the law change. If a change materially affects you we will tell you in advance by email or in the app, and you may cancel if you do not accept it. The version in force at the time of your purchase applies to that purchase. The date at the top shows when these terms were last updated.

27. General

If any part of these terms is found to be unenforceable, the rest continues to apply. If we do not enforce a right straight away, we do not lose it. You may not transfer your rights under these terms to someone else without our agreement. Nobody other than you and us has a right to enforce these terms, except where they say otherwise.

These terms, the Privacy Policy and the Refund & Cancellation Policy are the whole agreement between us about the services.

28. Complaints and governing law

If something is wrong, email support@psnproperty.co.uk and we will look into it and come back to you.

You can raise data protection concerns with the Information Commissioner's Office at ico.org.uk.

These terms are governed by the law of England and Wales, and the courts of England and Wales have exclusive jurisdiction, except that if you live in Scotland or Northern Ireland you may also bring proceedings in your own courts.