Locum Path.

1. ABOUT THESE TERMS

These Legal Terms govern your access to and use of all digital products and tools available on this website, including but not limited to:

• PDF guides
• checklists
• calculators
• templates
• spreadsheets
• Google Sheets files
• educational digital resources

By accessing this website, using any tools, or purchasing any product, you enter into a legally binding agreement with the creator under these Legal Terms.

2. EDUCATIONAL & INFORMATIONAL PURPOSE ONLY (DISCLAIMER)

All products, tools, and content provided are supplied strictly for educational and informational purposes only.

They do not constitute, and must not be relied upon as:

• legal advice
• financial or tax advice
• regulatory advice
• medical advice
• clinical advice
• business consulting services

All content is based on:

• personal professional experience, and
• publicly available information at the time of publication

Nothing on this website or within any product replaces advice from a qualified solicitor, accountant, tax advisor, regulator, or healthcare professional.

The on-site calculator and any downloadable spreadsheets or Google Sheets–based tools are provided strictly as estimation tools for illustrative and educational purposes only.

They do not guarantee accuracy, completeness, tax correctness, or real-world applicability.

All calculations are based solely on user-input data and are used entirely at the user's own risk.

3. NO PROFESSIONAL OR FIDUCIARY RELATIONSHIP

The purchase or use of any product does not create, and shall not be deemed to create, any of the following relationships:

• solicitor–client
• accountant–client
• advisor–client
• consultant–client
• employer–employee
• fiduciary or agency relationship

between you and the creator.

4. USER RESPONSIBILITY & ASSUMPTION OF RISK

By purchasing or using any product or tool, you expressly acknowledge and agree that:

• you use all information entirely at your own risk
• you remain solely responsible for:
  • professional decisions
  • financial decisions
  • legal decisions
  • business decisions
  • regulatory compliance
• you are solely responsible for compliance with:
  • UK pharmacy regulations
  • NHS requirements
  • HMRC rules
  • agency and employer compliance standards

You agree to independently verify all information with appropriately qualified professionals before acting on it.

5. NO GUARANTEE OF RESULTS

No representations, warranties, guarantees, or assurances of any kind are made regarding any outcome, including but not limited to:

• agency or platform approval
• employment or shift availability
• income level or earnings
• business success
• professional progression

Any examples, income references, or scenarios provided are illustrative only and do not constitute promises or guarantees of future results.

6. REGULATORY & LEGAL CHANGES

You acknowledge and agree that:

• UK legislation
• NHS frameworks
• HMRC guidance
• CPPE standards
• pharmacy regulations
• agency compliance requirements

may change at any time without notice.

You accept full responsibility for ensuring that any information relied upon is accurate, current, and legally applicable at the time of use.

6.5 CALCULATOR TOOL – NO DATA STORAGE & USE AT OWN RISK

The on-site calculator allows users to input:

• hourly rates
• working hours
• postcodes
• travel time

This data is:

• processed locally in the user's browser
• NOT stored on our servers
• NOT saved
• NOT analysed
• NOT shared with any third party

We do not retain any calculator input data in any form.

The calculator provides estimates only and must not be relied upon for financial, tax, contractual, or professional decision-making.

7. LIMITATION OF LIABILITY

To the maximum extent permitted by law, the creator shall not be liable, whether in contract, tort (including negligence), misrepresentation, breach of statutory duty, or otherwise, for any:

• direct or indirect financial loss
• tax penalties, surcharges, or repayments
• regulatory, disciplinary, or legal action
• rejected applications
• delayed or withdrawn approvals
• loss of income, business, or opportunity
• reputational damage
• professional sanctions
• technical failures
• system downtime
• data transmission errors
• misuse or misinterpretation of any content
• inaccurate calculator results
• spreadsheet or Google Sheets formula errors
• tax miscalculations
• misinterpretation of earnings projections
• business or personal financial losses arising from use of any calculation or estimation tools

All use of digital products and tools is entirely at your own risk.

8. DIGITAL PRODUCTS, WAIVER OF RIGHT TO CANCEL & REFUND POLICY

All products sold on this website are digital content delivered immediately upon purchase.

Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, by completing your purchase you:

• expressly consent to immediate digital delivery
• acknowledge that you waive your statutory 14-day right to cancel

This waiver is valid under Regulation 28(1)(a) of the Consumer Contracts Regulations 2013, which permits exclusion of the right to cancel where the consumer has expressly consented to the supply of digital content beginning before the end of the cancellation period.

Accordingly:

• ALL SALES ARE FINAL
• NO REFUNDS, CANCELLATIONS, OR REVERSALS ARE PERMITTED
• NO CHARGEBACKS ARE PERMITTED FOR CHANGE OF MIND

If you do not agree with this policy, you must not proceed with the purchase.

Stripe Chargeback Protection: Any chargeback or dispute initiated for reasons other than fraud, unauthorised use, or failure to deliver the purchased product will be contested. By proceeding with payment, you acknowledge that chargebacks for "change of mind" or "buyer's remorse" are not permitted under these Terms.

9. INTELLECTUAL PROPERTY, COPYRIGHT & LICENCE

All website content and digital products are protected by:

• UK Copyright, Designs and Patents Act 1988
• international intellectual property laws

You are granted a single-user, non-exclusive, non-transferable, revocable licence for personal use only.

You must not:

• copy
• reproduce
• share
• distribute
• resell
• sublicense
• upload
• publish
• modify for commercial use
• create derivative works

Any unauthorised use constitutes a material breach and may result in civil and/or criminal legal proceedings.

9.5 GOOGLE SHEETS, SPREADSHEET & EDITABLE FINANCIAL TOOLS DISCLAIMER

Any Google Sheets files, spreadsheets, or editable financial templates provided at the time of purchase:

• function as self-managed tools
• rely entirely on user-entered data
• may be modified, altered, deleted, or misused by the user

We:

• do not monitor usage
• do not validate entries
• do not audit calculations
• do not guarantee numerical accuracy

The user accepts full responsibility for all figures, projections, submissions, tax reporting, and financial decisions made using these tools.

10. DATA PROTECTION & PRIVACY POLICY (UK GDPR)

We process personal data in accordance with:

• UK General Data Protection Regulation (UK GDPR)
• Data Protection Act 2018

10.1 Data We Collect

We collect only the minimum data necessary to process your purchase:

• name
• email address
• payment confirmation details

We do NOT collect, store, or process:

• calculator inputs
• hourly rates
• postcodes entered into the calculator
• working hours
• travel distance or time

Calculator data is processed temporarily within the user's browser session and is not transmitted to or stored on our systems.

10.2 How We Use Your Data

Your data is used solely for:

• processing payments
• delivering digital products
• sending purchase confirmations
• customer support communication

Your data is never used for marketing without your explicit consent.

10.3 Data Sharing

We do not sell, rent, or commercially share your personal data with third parties.

Payment processing is handled securely via Stripe, which operates under its own privacy and security standards.

10.4 Your Legal Rights

You have the right to:

• access your personal data
• request correction
• request deletion
• restrict or object to processing

You may exercise these rights by contacting the support email listed on this website.

10.5 Cookies & Local Storage

We use the following technologies to enhance your experience:

Essential Cookies & Local Storage:

• Theme Preference (localStorage): We store your dark/light theme preference locally in your browser to remember your choice. This is essential for website functionality and does not require consent.
• Cookie Consent (localStorage): We store your cookie consent preference to avoid showing the banner repeatedly.

Third-Party Cookies:

• Stripe Payment Cookies: When you make a purchase, Stripe may set cookies for security, fraud prevention, and payment processing. These are governed by Stripe's own Privacy Policy and Terms of Service.

We do NOT use:

• analytics cookies (Google Analytics, etc.)
• advertising or tracking cookies
• social media tracking cookies
• any third-party marketing cookies

You can manage your cookie preferences at any time by clicking the "Settings" button in the cookie banner or by clearing your browser's local storage. Note that clearing local storage will reset your theme preference.

10. GOVERNING LAW & JURISDICTION

These Legal Terms shall be governed by and construed in accordance with the laws of England and Wales.

You irrevocably agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute arising out of or in connection with these Legal Terms or any purchase.

12. WEBSITE ACCESS & AVAILABILITY

We do not guarantee that:

• the website will be uninterrupted
• access will always be error-free
• downloads will always be available at all times

We reserve the right to suspend, withdraw, or modify website access without notice.

13. PAYMENTS & PAYMENT PROCESSING

All payments are processed securely via Stripe Payments Europe, Ltd. (Stripe), a payment service provider registered in Ireland and authorised by the Central Bank of Ireland.

By making a purchase, you agree to Stripe's Terms of Service and Privacy Policy. Stripe processes your payment data in accordance with their security standards and applicable data protection laws.

We:

• collect only the minimum data necessary to complete the transaction (name, email, payment confirmation)
• do not store or process card details
• do not sell, rent, or share personal data with third parties

Full information is set out in the Privacy Policy.

14. CONTACT INFORMATION (LEGAL NOTICE)

For all legal, data protection, and support enquiries:

• Brand: LocumPath
• Support Email: locumpath@gmail.com
• Country: United Kingdom