These Terms of Service ("Terms") govern your use of RealTradeGuard, including our website at realtradeguard.co.uk and our newsletter. By using our service, you agree to these Terms.

1. Who we are

RealTradeGuard is operated by Viktorija Skobej, trading as RealTradeGuard, an individual sole trader based in Northampton, United Kingdom.

2. About our service

RealTradeGuard provides:

• A free weekly newsletter covering UK construction industry compliance topics (CIS, HMRC, HSE updates) in plain English
• A paid subscription tier (when available) including additional resources such as templates, deadline reminders, and a searchable archive
• Educational content on our website

3. Eligibility

To use our service, you must:

• Be at least 18 years old
• Have the legal capacity to enter into a binding agreement
• Provide accurate information when subscribing

Our content is intended for users in the United Kingdom. If you're using it from outside the UK, please note that the information may not apply to your jurisdiction.

4. Subscriptions

Free subscription

Subscribing to the free newsletter is, well, free. You can unsubscribe at any time by clicking the "unsubscribe" link in any email — it takes one click. We'll remove you from the active mailing list within 7 days.

Paid subscription

Our paid subscription tier costs £12 per month, billed monthly via Stripe. By subscribing, you authorise us (through Stripe) to charge your payment method on a recurring basis until you cancel.

You can cancel your paid subscription at any time. After cancellation:

• You will not be charged again
• You'll retain access to paid features until the end of your current billing period
• You'll automatically revert to the free newsletter (if you wish to remain subscribed)

5. Refunds and cancellations

Under the UK Consumer Contracts Regulations, you have a 14-day right to cancel any new paid subscription and receive a full refund, unless you've started using the service during that period.

To request a refund, email us at contact@realtradeguard.co.uk within 14 days of your initial subscription. We'll process refunds within 14 days of approval.

After the 14-day cooling-off period, paid subscriptions are non-refundable, but you can cancel future billing at any time.

6. Acceptable use

When using our service, you agree not to:

• Use the content for any unlawful purpose
• Republish, redistribute, or resell our newsletter content without permission
• Attempt to interfere with or compromise the security of our website or service
• Use automated systems (bots, scrapers) to access our content
• Impersonate another person or provide false information
• Send unsolicited communications using our content

We reserve the right to terminate access for users who violate these terms.

7. Intellectual property

All content on our website and in our newsletter — including text, design, logos, graphics, and downloadable resources — is owned by RealTradeGuard or our licensors and is protected by UK copyright law.

You may:

• Read and forward individual newsletter issues to colleagues for non-commercial use
• Quote brief excerpts with attribution to RealTradeGuard
• Use any templates we provide (paid subscribers) for your own business purposes

You may not:

• Republish our content on other websites without permission
• Sell, license, or commercially distribute our content or templates
• Remove copyright notices or attribution

8. Disclaimers

Our website and newsletter are provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to:

• Accuracy or completeness of information
• Fitness for a particular purpose
• Uninterrupted or error-free operation
• Non-infringement

9. Limitation of liability

To the fullest extent permitted by law, RealTradeGuard (Viktorija Skobej) is not liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Damages arising from your use of (or inability to use) our service
• Damages arising from reliance on information in our newsletter or on our website

Our total aggregate liability to you for any claim arising from these Terms or your use of our service is limited to the amount you paid us in the 12 months preceding the claim (or £100, whichever is greater).

Nothing in these Terms limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded under UK law.

10. Third-party services

Our service uses third-party providers including:

• Beehiiv for newsletter delivery
• Stripe for payment processing
• Netlify for website hosting
• Google Analytics for traffic analysis

Each of these providers has their own terms of service and privacy policies which apply when you use those services through us.

11. Changes to these Terms

We may update these Terms from time to time. When we make material changes:

• We'll update the "Last updated" date at the top of this page
• We'll notify subscribers by email
• For paid subscribers, material changes affecting fees will give you 30 days' notice

Continued use of our service after changes take effect means you accept the updated Terms.

12. Termination

You can stop using our service at any time by unsubscribing from the newsletter and (if applicable) cancelling your paid subscription.

We may terminate or suspend access to our service:

• If you violate these Terms
• If required by law
• If we discontinue the service (we'll give reasonable notice and refund any unused portion of paid subscriptions)

13. Governing law

These Terms are governed by the laws of England and Wales. Any disputes arising from these Terms or your use of our service will be subject to the exclusive jurisdiction of the courts of England and Wales.

If you are a consumer (using the service for personal, non-business purposes), this clause does not affect your statutory rights.

14. Contact

Questions about these Terms? Email contact@realtradeguard.co.uk.