Terms and conditions


I want you to be 100% satisfied with the service you have received.  This policy sets out the procedure to follow for refunds and cancellations.  Please carefully read through this policy and contact me if you have any questions regarding this policy.

These terms and conditions form the basis of our agreement and obligations to each other,  so it is important that you take the time to read them carefully.  These terms and conditions are to be read in conjunction with the terms and conditions set out within the service agreement.



Coaching -a series of tools used to help you to set, identify and achieve your goals

Consumer – you as the client

Director- Lucille Roache

Parties- the provider of the service, Asset Business Consultancy and the client, the receiver of that service,

Product – digital products provided by Asset Business Consultancy

Regulation(s) refers to The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013

Service career or business coaching

Company- Asset Business Consultancy

Client-  You. The person who receives the service or the product

These terms and conditions relate to the service (service) and digital products (products) provided by Lucille Roache (The Director) of Asset Business Consultancy (The Company) of Suite 2A, Blackthorn House, St Pauls Square, Birmingham, B3 1RL- email: info@assetbusinessconsultancy.co.uk Telephone: 07484 303888

  1. The service:

The services provided under this agreement are:

  • Business coaching

  • Career coaching

The purpose of the coaching provided under this agreement is to help you to achieve your professional goals.  Coaching helps you to set clear achievable goals which can make a substantial positive impact on your life and takes you from where you are now in your professional life to where you aspire to be.

In this context, coaching does not necessarily involve telling you what to do or how to do it but rather encouraging you to determine the best way for you to achieve your goals, by helping you to uncover the tools that you already have, encouraging you to think outside of the box, overcome obstacles, set clear goals, develop a strategy and determine what success means for you, and achieve that success.

Coaching will be provided by any of the following means:

  • Zoom

  • Skype

  • Telephone

  • Any other platform agreed between the client and the Company

  • In person, where the client specifically requests this.  Sessions which take place in Birmingham, West Midlands, at a venue to be determined between the parties. 

  • Any location other than Birmingham, will be subject to travelling expenses which will be calculated at the following rates: 

a)       £0.45 per mile or the cost of standard travel or first class travel, where the cost of this is equal to or less than standard class travel;

b)      Travel expenses will be calculated at £50 per hour and are subject to a minimum charge of £50.

2.  Products

The digital products provided under this agreement include, but are not limited to:

  • Ebooks

  • Workbooks

  • Planners

  • Webinars

  • Courses

  • And any other digital products

These products will be provided in a PDF or other similar formatted document, or a link to enable you to download the digital product. The format of the digital product will be made clear to you in the product description.  It is important to ensure that you are able to accept the product in the format that it is provided in.  for example, if the document is provided in a PDF format, then you will need to have a PDF reader such as Adobe. 

3. Effective date

For the purposes of this agreement, the effective date is the date that you make payment for the product or service. 

4.  Complaints

In the unlikely event that it becomes necessary for you to make a complaint, please refer to the complaints handling procedure here

5.  Cost of the service or product

The cost will depend on the type of service or digital product provided and will be made clear prior to purchase, including any additional fees which may become payable.  Prices are subject to change without notification, but once you have already paid for a product or service, you will not be charged more for that product or service, even if the cost goes up.  The cost of the service represents the cost for the entire service, excluding any travel expenses, or cancellation fees for missed appointments, which are covered further on in this agreement. 

6.  Delivery of products

 Products will be delivered electronically and there will be no cost to you for this service.

7.  Duration of service

Each package will consist of a set of individual sessions, usually 4.  The exact amount of sessions provided will be made clear within your individual contract.   Each session will be 45 minutes in length and will take place every fortnight or at an interval to be agreed between the parties. 

8. Payment

Payment is required in advance for any product or service that you require.  Payments can be made in full or in part by installments for services.  The final instalment must be received prior to the final session.  The service will commence once the first session has commenced. 

Payments for products are required in full and cannot be paid by instalments.  The product will be deemed delivered when it has been emailed to or made available to you by any other means.  Payment can be made via PayPal, bank transfer or by card payment. 

Details of the payment methods available will be provided to you within your contract or on the website of Asset Business Consultancy and in the corresponding page for the product or service you are viewing.

9.  Late charges

Where you have elected to pay for the service by instalments, payment is required by the 1st of each month.  In the event that payment is not made by the date specified the following late charges will be applied:

a) Interest at the rate of 8% per annum plus the Bank of England base rate applicable at the date of late payment, which will continue until payment is made

b) £15 for each chaser letter/email /phone call requesting payment sent by Asset Business Consultancy

c) The cost of any legal action, an estimate for which will be provided to you in writing.  Please note that the actual cost of the legal fees will vary.

10. Cancellation period

The cancellation period is 14 days from the date that the contract commenced, which is the date that the client placed the order.

You have the right to cancel your agreement with Asset Business Consultancy at any time without giving any reason.  Cancellations which occur during the cancellation period will not incur any liability for additional charges and will receive a full refund, except where set out in these terms and conditions.

In order to cancel the contract, the client must either complete the cancellation form which can be found here or by confirming clearly in writing the intention to cancel, and send this via post to Suite 2A, Blackthorn House, St Pauls Square, Birmingham, B3 1RL or by email to info@assetbusinessconsultancy.co.uk.  Upon receipt of a request to cancel the contract the client will receive written acknowledgement and confirmation of the cancellation. 

11.  Criteria for cancellation within the cancellation period

a)    The request to cancel must be put in writing and properly addressed to Asset Business Consultancy and received within the 14 day  

       cancellation period.  The client may either use the cancellation form provided or provide written notice of the cancellation.

b)    If any service is provided within the 14 day cancellation period at the request of the client, the client will not be entitled to receive any refund.

12. Effect of cancellation within the cancellation period

The effect of cancelling the agreement within the 14 day period will bring the contract to an end, and no party will be under an obligation to perform the contract, except in the following circumstances:

a)  Where a request is made by the client for the company to perform the service or provide the product within the 14-day cancellation period, in the full knowledge that in doing so they will forfeit the right to receive a full refund, and any fees due for services or a product will still remain payable.  The fees payable will be calculated on the basis of the total price agreed in the contract, or if the total price is excessive, on the basis of the market value of the service that has been supplied, calculated by comparing prices for equivalent services supplied by other traders.

b)  The company agrees to perform the service or provide the product within the 14-day cancellation period.  In this circumstance the client will be entitled to receive a full refund of the amount paid, and the contract and any liability arising out of that contract will come to an end. 

13.  Criteria for cancellation outside of the cancellation period

You may cancel this agreement at any time by giving notice in writing.  No refunds are provided where cancellation takes place outside of the 14-day cancellation period.  Any fees due under this agreement, will remain payable by the client.  Failure to make any payments required will constitute a breach of contract and will be subject to the late charges set out within this agreement. 

14.  Exceptions

​The client bears no cost for supply of the service, in full or in part, in the cancellation period, if:

a)  The service or product was not commenced or delivered immediately within the cancellation period at the request of the client

b)  The director/trader has failed to provide the consumer with the information on the right to cancel required by The Consumer Contracts 

     (Information, Cancellation and Additional Charges) Regulations 2013 paragraph (l) of Schedule 2, or the information on payment of that cost 

     required by paragraph (n) of that Schedule, in accordance with Part 2, or

15.  Cancellation period for digital products

Under a contract for the supply of digital content not on a tangible medium, i.e. paper or email, or any other medium that allows information to be addressed personally to the recipient or enables the recipient to store the information in a way accessible for future reference for a period that is long enough for the purposes of the information, and allows the unchanged reproduction of the information stored;  the supply of the digital content will not commence before the end of the cancellation period provided for in the regulations unless—

a)  The client has given express consent, and

b)  The client has acknowledged that the right to cancel the contract under regulation 29(1) will be lost.

c)  The consumer ceases to have the right to cancel such a contract under regulation 29(1) if, before the end of the cancellation period, supply of the digital content has begun after the consumer has given the consent and acknowledgement required by paragraph (1).

16.  Exceptions

The consumer bears no cost for supply of the digital content, in full or in part, in the cancellation period, if:

a)  The consumer has not given prior express consent to the beginning of the performance of the digital content before the end of the 14-day 

     cancellation period

b)  The consumer gave that consent but did not acknowledge when giving it that the right to cancel would be lost, or

c)  The trader failed to provide confirmation required by regulation 12(5) or 16(3) of the Contract Regulation Act 2003.

17.  Faulty product

If the digital product you have been provided with is faulty and you are unable to download or open it, and the reason for this is not because you do not have the software required to enable you to open or download the product, a replacement will be provided to you, provided the request is made within 28 days of receipt of the product.   The original product must be returned.  In the event that there is evidence of the product being downloaded or shared, no replacement will be provided. 

18.  Performance

Performance begins when the first coaching session takes place or in the case of a digital product, when the client downloads or accesses the product

19.  Termination of agreement

This agreement can be terminated at any time by either person giving notice in writing at least 48 hours prior to the start of the session. 

The circumstances in which I will terminate the agreement between us are as set out below:

a)  Repeated cancellations

b)  Non-attendance at a session on more than one occasion

c)  Inappropriate behaviour

d) Any other behaviour which results in our working relationship being untenable

e) If for illness or other reasons I am no longer able to provide you with the service that you      requested.  

f)  Late payment of fees due under the contract


Refunds will not be provided if the contract is terminated except under paragraph e) and full payment will still be required by the client. 


20.  Cancellation of appointments

48 hours notice is required from you to cancel an appointment which has been confirmed.  Notice of cancellation must be provided either in writing via text message to 07484 303888 (or any other number provided by the company) or via email to info@assetbusinessconsultancy.co.uk  

Please note that repeated cancellations by you as the client will result in the agreement being terminated with no refund being issued.