Card Payments Terms and Conditions

1. Acceptance of These Terms

These Terms & Conditions apply to all one-off purchases of digital content made through Viveri Group or our merchant service offerings using a debit or credit card.

By accessing our website and completing an online purchase, you confirm that you have read, understood and accepted these Terms & Conditions. If you do not agree to these Terms, you should not use our online payment facilities or purchase our digital content.

We may amend these Terms & Conditions from time to time without prior notice. Any revised Terms will apply to purchases made after the updated version is published on our website.

For the purposes of these Terms, digital content includes downloadable products, online materials, digital files, videos, templates, guides, courses, software, and any other content supplied in digital form.

2. Online Payments

2.1 All online card payments are subject to these Terms & Conditions.
2.2 Payment must be made in full at the time of purchase using a valid debit or credit card.
2.3 We use secure third-party payment processing providers to handle online transactions.
2.4 Payment authorisation is subject to approval by your card issuer. We accept no liability where payment is refused, declined, delayed, or otherwise not authorised by your card provider for any reason.
2.5 If your payment is declined, we are under no obligation to notify you separately, and it is your responsibility to verify the status of the transaction with your bank or card issuer.
2.6 Your payment may take up to three working days to fully clear into our bank account, although access to digital content may be provided sooner where payment authorisation is confirmed. We are not liable for delays caused by banking systems, card processors, or third-party payment providers.
2.7 You are responsible for providing accurate billing, contact, and account information at the time of purchase. We are not liable for failed delivery, delayed access, or misapplied transactions resulting from incorrect information supplied by you, although we will make reasonable efforts to assist in resolving any issue once notified.

3. Delivery of Digital Content
3.1 Once payment is successfully authorised, access to digital content will be provided:
•    immediately after purchase;
•    by email;
•    via customer account login; or
•    by another delivery method specified at checkout.
3.2 We cannot guarantee uninterrupted availability of digital content where outages, maintenance, or technical issues arise outside our reasonable control.
3.3 It is your responsibility to ensure your device, software, and internet connection meet any minimum access requirements specified before purchase.

4. Licence to Use
4.1 Upon purchase, we grant you a limited, non-exclusive, non-transferable licence to use the digital content for your personal or internal business use only, unless otherwise stated.
4.2 You may not:
•    copy, reproduce, resell, sublicense, distribute, share, publish, or commercially exploit the digital content;
•    upload the digital content to file-sharing platforms;
•    remove copyright or ownership notices; or
•    use the content unlawfully.
4.3 All intellectual property rights remain owned by us or our licensors.

5. Consumer Cancellation Rights
Under UK consumer law, consumers generally have a 14-day cooling-off period for distance purchases.
However, by purchasing digital content and requesting immediate access/download, you expressly agree that:
•    supply of the digital content will begin immediately; and
•    you understand and acknowledge that once supply begins, your statutory right to cancel is lost.
By completing your purchase, you provide this express consent and acknowledgment.

Refund Policy – Digital Content Purchases

6. General Refund Policy
As digital content is supplied instantly and cannot ordinarily be returned, all sales are generally final once access, download, streaming, or delivery has begun, except where you have statutory rights under applicable law.
Refunds will normally not be provided where:
•    you change your mind;
•    you purchased in error;
•    you no longer want the content;
•    you failed to review the product description before purchase; or
•    your device/software does not meet clearly stated technical requirements.

7. Faulty or Misdescribed Digital Content
You may be entitled to a repair, replacement, price reduction, or refund where digital content:
•    is not supplied;
•    is defective;
•    is corrupted;
•    materially differs from its description; or
•    does not meet legal standards of satisfactory quality, fitness for purpose, or description.

Where appropriate, we may first attempt to:
•    restore access;
•    repair technical faults; or
•    provide replacement content.
If this is not possible within a reasonable time, a full or partial refund may be issued.
Any approved refund will be made only to the debit or credit card used for the original transaction, subject to applicable fraud prevention, anti-money laundering, and payment verification procedures.

8. Data Protection & Payment Security
Any personal data provided during online transactions will be processed securely in accordance with applicable UK data protection law, including the UK GDPR and the Data Protection Act 2018.

Your information will be used only for:
•    processing your payment;
•    delivering purchased digital content;
•    customer support;
•    accounting, record keeping, and fraud prevention; and
•    compliance with legal obligations.

Payment card details are processed securely by our authorised payment providers. We do not retain full debit or credit card details on our systems.

We may share limited necessary information with trusted third-party payment processors and service providers solely for transaction processing and operational purposes, or where disclosure is required by law.

9. Liability
We are not liable for:
•    delays caused by banking systems or payment processors;
•    payment failures caused by card issuer refusal;
•    failed delivery caused by inaccurate information supplied by you;
•    third-party internet outages or software incompatibility outside our control.
Nothing in these Terms excludes liability where exclusion is unlawful.
Subject to applicable law, our total liability shall be limited to the amount paid for the relevant digital content purchase.

10. Contact
For support, payment queries, or refund requests, contact:
Viveri Group Ltd
customerservices@viverigroup.com
Tel: