Terms & Conditions
Last updated: 8 August 2026
These Terms & Conditions explain the rules for using this website and purchasing services or digital products from me. By using this website, placing an order or agreeing to a proposal, you agree to these terms.
Nothing in these terms limits any rights that cannot legally be excluded under the laws that apply to you.
Who I am
This website is operated by Phil Choi, a sole trader based in the United Kingdom.
You can contact me at:
iCentrum, Holt Street, Birmingham, B7 4BP
Website use
You may use this website for lawful personal or business purposes, including learning about my services, reading my content and purchasing products.
You must not misuse the website, attempt to gain unauthorised access, introduce malicious code, interfere with its operation, copy protected content without permission or use it in a way that infringes another person’s rights.
I may change, suspend or withdraw any part of the website where reasonably necessary. I do not guarantee that the website will always be available or free from errors.
Eligibility
You must be legally capable of entering into a contract to purchase from this website. If you are under the age of legal majority where you live, a parent or legal guardian must make the purchase for you.
Services
I provide digital and website-related services, which may include website design, setup, maintenance, support, health reports and related work.
The scope, price, payment schedule, timescale and deliverables for a service will be set out in the relevant proposal, quotation, invoice, product page or written agreement. If there is a conflict between that agreement and these general terms, the specific agreement will take priority.
Work begins after the agreed payment has been received and any required content, access or approvals have been supplied. Anything outside the agreed scope may be treated as additional work and may require a separate quotation.
Any delivery date is an estimate unless I expressly agree in writing that it is fixed. I will use reasonable care and skill when providing services.
Service payments
Payment terms will be agreed before work begins. Small fixed-price services may require full payment in advance. Larger projects may be divided into staged payments. Ongoing services may be billed monthly or at another agreed interval.
Invoices must be paid by the stated due date. I may pause work or withhold delivery while an amount is overdue.
Service cancellations and refunds
If you cancel a service after work has begun, you must pay for work completed and any non-recoverable costs already incurred. Any refund of an advance payment will be calculated after those amounts have been deducted.
If you are a consumer and the law where you live gives you a cancellation right, that right remains unaffected. If you expressly ask me to begin providing a service during a statutory cancellation period, you may be required to pay for work supplied before you cancel. If the service has been completed after your express request and acknowledgement, your cancellation right may be lost where the law permits.
This section does not affect your legal rights if a service is not provided with reasonable care and skill or otherwise fails to conform to the contract.
Client responsibilities
You are responsible for providing accurate information, suitable content, timely feedback and any access reasonably required to complete the work. This may include access to hosting, domain, website, ecommerce, analytics or other relevant accounts.
You confirm that you have the right to use any text, images, branding, data or other material you provide. You are responsible for reviewing and approving deliverables, including spelling, facts, prices, legal claims and functionality, before publication.
Delays in providing content, access, decisions or approvals may delay the work and may require the schedule or price to be revised.
You are responsible for maintaining appropriate backups, account security and licences for third-party products unless we agree otherwise in writing.
Digital products
Digital products may include guides, templates, downloadable files, digital cards, apps, tools and other resources. The product page will describe the main features, file type, compatibility, included items and any important usage requirements.
Digital products are normally delivered electronically after successful payment, using an on-screen link, customer account or email. You are responsible for providing a valid email address and checking your spam or junk folder. Contact hello@philchoi.com if you do not receive access.
You should download and securely back up purchased files promptly. I will take reasonable care to keep any advertised access available, but I do not promise permanent hosting or lifetime access unless the product page expressly states this.
Digital-product licence
Unless a product page or separate licence states otherwise, purchasing a digital product gives you a limited, non-exclusive, non-transferable licence for your own personal use.
You must not resell, redistribute, share, sublicense, copy for commercial distribution, upload to a shared library, claim as your own or use a digital product to create a competing product. Copyright and all other intellectual-property rights remain with me or the relevant rights holder.
Any additional permissions stated on a product page or in an included licence will take priority over this general licence.
Digital-product cancellation and refunds
Digital products are supplied immediately after payment. Where applicable, checkout will ask you to expressly consent to immediate supply and acknowledge that once supply begins you lose the statutory 14-day right to cancel. After access or delivery has begun with that consent and acknowledgement, I do not provide change-of-mind refunds.
This does not affect mandatory consumer rights. If digital content is faulty, not as described or not fit for purpose, contact hello@philchoi.com with your order details and a description of the problem. Where legally required, I will provide an appropriate remedy, which may include repair, replacement, a price reduction or refund.
Orders
Placing an order is an offer to purchase. A contract is formed when the order is accepted and confirmation or access is provided. I may reject or cancel an order before acceptance where, for example, a product is unavailable, the price is clearly incorrect, payment is not authorised or fraud is suspected.
If I cancel an order after payment, I will return the amount paid for the cancelled item. Product images and previews are illustrative; minor differences in colour or appearance may occur because of screen and device settings.
Prices, currencies and taxes
Unless clearly stated otherwise, product prices and payments are in United States dollars (USD).
The website or checkout may display an estimated amount in pounds sterling or another local currency for convenience. This is only an estimate. Your bank, card issuer or payment provider determines the final exchange rate and may charge conversion or international transaction fees.
Any taxes that I am required to collect will be shown at checkout where applicable. You are responsible for any other taxes, duties or charges legally imposed on you by your country or payment provider.
I may change prices at any time, but a price change will not affect an order already accepted.
Payment processing
Payments may be processed by third-party providers such as Stripe or PayPal. I do not receive or store your full card details. Your use of a payment method may also be subject to the provider’s own terms and privacy policy.
Payment must be successfully authorised before a product is supplied or work begins. If a payment is reversed, disputed or found to be unauthorised, I may suspend product access or services while the matter is resolved.
Customer accounts
Some purchases may create or use a customer account. You are responsible for keeping your login details secure and for activity carried out through your account. Tell me promptly if you believe your account has been accessed without permission.
I may suspend or close an account where reasonably necessary to protect the website, comply with law, investigate misuse or enforce these terms. This will not remove any rights you have in relation to a valid purchase.
Intellectual property
Unless stated otherwise, the website and its original text, branding, graphics, products, designs and other content are owned by or licensed to me and are protected by intellectual-property law.
For client services, ownership and usage rights will be set out in the relevant proposal or agreement. Unless agreed otherwise, once all fees have been paid you may use the completed deliverables for their intended purpose. I retain ownership of my pre-existing materials, reusable methods, systems, code, templates, know-how and general design techniques.
Third-party tools, links and services
This website and my services may rely on third-party platforms, software, plugins, hosting providers, payment processors, fonts, analytics or external links.
I am not responsible for third-party content or for outages, policy changes, price changes, security incidents or failures outside my reasonable control. Where I recommend a third-party service, you remain responsible for deciding whether it is suitable and for complying with its terms.
Some links may be affiliate links. If so, I may receive a commission at no additional cost to you. This does not change the price you pay.
Disclaimers
Website content and digital products are provided for general information and educational purposes. They are not legal, financial, tax, medical or other regulated professional advice.
I do not guarantee any particular commercial result, revenue, search ranking, audience growth, website traffic or uninterrupted performance. Results depend on many factors outside my control.
Limitation of liability
Nothing in these terms excludes or limits liability where doing so would be unlawful, including liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or your mandatory consumer rights.
If you are a consumer, I am responsible for losses that are a foreseeable result of my breach of these terms or failure to use reasonable care and skill. I am not responsible for losses that were not foreseeable, were caused by information or materials you supplied, or are business losses arising from a consumer purchase.
If you purchase for business purposes, I will not be liable for indirect or consequential loss, loss of profit, revenue, business, contracts, anticipated savings, goodwill or data. To the fullest extent permitted by law, my total liability arising from a particular product or service will not exceed the total amount you paid me for that product or service.
Events outside reasonable control
I am not responsible for delay or failure caused by events outside my reasonable control, including internet or hosting failures, cyber incidents, power failures, illness, natural disasters, government action or disruption to third-party services. I will take reasonable steps to reduce the effect of the event and resume performance when possible.
Privacy
Personal information is handled in accordance with my Privacy Policy. By using the website or making a purchase, you acknowledge that payment, order and delivery information may be processed by the service providers needed to complete the transaction.
Communication
Most communication takes place by email or another agreed digital channel. I aim to respond within two working days, but response times may vary depending on workload, weekends, public holidays and the nature of the enquiry.
You are responsible for keeping your contact details current and for monitoring the email address used for your order or project.
Governing law and international customers
These terms and any contract between us are governed by the laws of England and Wales.
If you are a consumer living outside England and Wales, you also retain any mandatory protections given to you by the law of the country where you live. Nothing in these terms requires a consumer to give up rights or access to courts that cannot legally be excluded.
Subject to those mandatory consumer protections, the courts of England and Wales will have jurisdiction over disputes arising from these terms or a contract between us.
Severability
If any part of these terms is found to be unlawful or unenforceable, the remaining terms will continue to apply.
No waiver
If I do not enforce a right immediately, that does not mean I have waived it. Any waiver must be confirmed in writing.
Changes to these terms
I may update these Terms & Conditions from time to time. The latest version will be published on this page with a revised date. Changes will not retrospectively alter an order or service agreement already accepted unless required by law or agreed with you.
Contact
If you have a question about these terms, a purchase or a service, contact:
