The information provided on this website is for general informational purposes only.

While we aim to ensure information is accurate and up to date, we make no guarantees, representations, or warranties of any kind regarding:

·         Accuracy;

·         Completeness;

·         Reliability;

·         Suitability;

·         Availability.

Any reliance you place on information from this website is strictly at your own risk.

Nothing on this website constitutes legal, financial, medical, educational, or professional advice unless expressly stated.

Users should seek appropriate professional advice relevant to their individual circumstances.

6. Services and Enquiries

Submitting an enquiry through this website does not create a contractual relationship.

Any services offered by John K Philips are subject to separate agreements, quotations, or written terms where applicable.

We reserve the right to:

·         Decline enquiries;

·         Refuse service;

·         Modify services;

·         Withdraw website content without notice.

7. Payments and Refunds

Where payments are taken through this website or related systems:

·         Prices will be clearly stated where applicable;

·         Payment terms will be agreed separately where necessary;

·         Refund policies may vary depending on the service provided.

Unless otherwise stated in writing, payments for completed services are non-refundable.

8. Limitation of Liability

To the fullest extent permitted by law, John K Philips shall not be liable for any:

·         Direct loss;

·         Indirect loss;

·         Consequential loss;

·         Loss of data;

·         Loss of profits;

·         Business interruption;

arising from the use of, or inability to use, this website.

We do not guarantee that the website will:

·         Always be available;

·         Be error-free;

·         Be free from viruses or harmful components.

Nothing in these Terms excludes liability that cannot legally be excluded under UK law.

9. External Links

This website may contain links to third-party websites.

These links are provided for convenience only. We have no control over third-party content and accept no responsibility for:

·         Linked websites;

·         Their content;

·         Their privacy practices;

·         Any loss or damage arising from their use.

10. Privacy and Data Protection

Your use of this website is also governed by our Privacy Policy and Cookie Policy.

Where personal data is collected, it will be handled in accordance with:

·         The UK General Data Protection Regulation (UK GDPR);

·         The Data Protection Act 2018.

11. User Submissions

Where users submit information through forms, comments, or uploads, you agree that:

·         Information provided is accurate and lawful;

·         You have the right to submit such information;

·         Submitted content does not infringe third-party rights.

We reserve the right to remove or refuse any submissions.

12. Website Availability

We may:

·         Suspend;

·         Withdraw;

·         Discontinue;

·         Change;

all or part of the website without notice.

We are not liable if the website is unavailable at any time.

13. Changes to These Terms

We may update these Terms and Conditions at any time.

Updated versions will be posted on this page with the revised effective date.

Continued use of the website following changes indicates acceptance of the updated terms.

14. Governing Law

These Terms and Conditions are governed by and interpreted in accordance with the laws of England and Wales.

Any disputes arising in connection with these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.