Terms and conditions of use

Please read these terms and conditions (these 'Terms') carefully as they contain important information about your rights and obligations when using this website (the 'Website') and in particular clause 9.6 and 9.7. You should print a copy of these terms for future reference.

The Website is owned and operated by Alexander Moseley ('we'/'us'/'our') (trading as Economics Circle), whose place of business is at Poundisford Farm Cottage, Crowcombe, Taunton, Somerset, TA4 4BQ.

1How these Terms apply

1.1By using the Website you are agreeing to comply with and be bound by these Terms regarding the use of the Website in consideration for us allowing you to access and use the Website. You must not use the Website if you do not agree to comply with and be bound by these Terms.

1.2Use of the Website includes accessing or browsing the Website.

1.3We reserve the right to change these Terms at any time. We will take reasonable steps to make you aware of any changes to the Terms, for example by posting them on the Website. You agree to be bound by the version of these Terms displayed on the Website at the time you use it.


2.1You are responsible for making all arrangements necessary for you to have access to the Website.

2.2You are responsible for ensuring that all persons who access the Website through your internet connection are aware of these Terms, and that they comply with them.

2.3We make reasonable efforts to ensure that the Website is available to view and use 24 hours a day throughout each year however, this is not guaranteed. The Website may be temporarily unavailable at any time because of server or systems failure or other technical issues, or reasons that are beyond our control, required updating, maintenance or repair.

2.4Where possible we will try to give you advance warning of maintenance issues but shall not be obliged to do so.

3Intellectual property

3.1In these Terms, Intellectual Property Rights mean copyright (including design copyrights), trade marks, patent, database and other intellectual property rights and similar proprietary rights which include, (without limitation), all rights in software, design, materials, works, techniques, computer programs, source codes, data, technical information, trading business brand names, goodwill, service marks, the style or presentation of the goods or services, creations, inventions or improvements upon or additions to an invention, confidential information, know-how and any research effort relating to Alexander Moseley (trading as Economics Circle), , moral rights and any similar rights in any country (whether registered or unregistered and including applications for and the right to apply for them in any part of the world).

3.2The software code contained in and related to the Website and the materials on the Website including text, images, videos, photographs and other materials are protected by Intellectual Property Rights owned by us and our licensors. You acknowledge that the Intellectual Property Rights in the Website and any software code used with and material supplied as part of the Website shall remain with us or our licensors.

3.3Subject to clause 4 you may:

3.3.1retrieve and display materials on the Website on a computer screen;

3.3.2download and store in electronic form materials on the Website; and

3.3.3copy and print one copy only of materials on the Website.

3.4Copying, downloading, storing or printing the materials on the Website for any reason other than personal use or in accordance with clause 4.2.2 is expressly prohibited.

3.5You agree that you will not (and will not assist or facilitate any third party to) otherwise reproduce, modify, copy, distribute, transmit, publish, display, commercially exploit or create derivative works from any of the materials on the Website.

3.6No licence is granted to you to use any of our trade marks or those of our affiliated companies.

3.7You agree that you will not use our Intellectual Property Rights in any way other than allowed under these Terms and any infringement by you of our Intellectual Property Rights will be a breach of these Terms.

4Use of the Website

4.1You are permitted to use the Website and the material contained in it only as expressly authorised by us and in accordance with these Terms as may be amended from time to time without notice to you.

4.2Provided that you comply with the other provisions of this clause, you may download or print one copy only of pages of our website:

4.2.1for your own private use; or

4.2.2to draw attention to the content of our website to members of your organisation.

4.3You must not:

4.3.1download or print pages of the Website for commercial use other than use permitted by clause 4.2.2;

4.3.2alter the content of any webpage you download or print; or

4.3.3use any images, videos or photographs on the webpage without the accompanying text.

4.4You must:

4.4.1keep intact all and any copyright and proprietary notices accompanying or attached to the materials on the Website you download, copy, store or print;

4.4.2acknowledge us as the owners of the content of the Website;

4.4.3erase any pages of the Website or materials on those pages downloaded other than in accordance with this clause; and

4.4.4destroy any pages of the Website or materials on those pages printed other than in accordance with this clause.

4.5You must not modify, adapt, translate, reverse engineer, decompile or disassemble any code or program used by or in connection with the Website. You must contact us to request our consent if you wish to take any such action to create an interoperable program and we may provide such consent if you provide us with the information we request.

4.6We provide access to and use of the Website on the basis that we exclude all representations, warranties and conditions to the maximum extent permitted by law.

4.7We reserve the right to:

4.7.1Make changes to the information or materials on this Website at any time

4.7.2Temporarily or permanently change, suspend or discontinue any aspect of the Website, including the availability of any features, information, database or content or restrict access to parts of or the entire Website without notice or liability to you or any third party

4.7.3Refuse to post material on the Website or to remove material already posted on the Website

4.8You may not use the Website for any of the following purposes:

4.8.1Disseminating any unlawful, harassing, libellous, abusive, threatening, fraudulent, malicious, harmful, vulgar, obscene, or otherwise objectionable material

4.8.2Stalking, harassing, threatening, blackmailing any person or violating or interfering with the rights of any other person including their right to privacy

4.8.3Transmitting material that encourages conduct that constitutes a criminal offence, results in civil liability or otherwise              

4.8.4Breaching any applicable local, national or international laws, regulations or code of practice

4.8.5Gaining unauthorised access to other computer systems

4.8.6Interfering with any other person's use or enjoyment of the Website

4.8.7Breaching any laws concerning the use of public telecommunications networks

4.8.8Interfering with, disrupting or damaging networks or websites connected to the Website

4.8.9Utilisation of data mining, robots or similar data gathering and extraction tools to extract (whether once or many times) for re-utilisation of any substantial parts of the Website or the contents of the Website

4.8.10To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation

4.8.11To create and/or publish your own database that features all or substantial parts of the Website or the contents of the Website

4.8.12Making, transmitting or storing electronic copies of materials protected by copyright without the prior permission of the owner

4.8.13Selling or re-selling or using for commercial purposes any of the content of or access to the Website or using for commercial purposes any of the content of or access to the Website

4.8.14To represent to others that there is any connection between the Website and your business or your views and opinions or that we endorse you or anything connected to you

4.9In addition, you must not:

4.9.1Knowingly introduce viruses, Trojans, worms, logic bombs, keystroke loggers, spyware, adware or other material which is malicious or technologically harmful to the Website

4.9.2Impersonate any other person or fraudulently provide us with incorrect information

4.9.3Attempt to gain unauthorised access to the Website, the server on which the Website is stored or any server, computer or database connected to it

4.9.4Attack the Website via a denial-of-service attack or a distributed denial-of service attack

4.9.5Damage, disrupt or interfere with any part of the Website, any equipment or network on which the Website is stored or any software used for the provision of the Website

4.9.6Remove any copyright notice or notice of any other intellectual property right from the Website or any materials on the Website

4.10A breach of clause 4.9 or 4.8 may be a criminal offence under the Computer Misuse Act 1990. We may report any such breach to the relevant law enforcement authorities and disclose your identity to them. In the event of such a breach, your right to use the Website will cease immediately.

5Suspending or terminating your access

We reserve the right to terminate or suspend your access to the Website immediately and without notice to you if:

5.1You breach these Terms (repeatedly or otherwise)

5.2You are impersonating any other person or entity

5.3When requested by us to do so, you fail to provide us within a reasonable time with sufficient information to enable us to determine the accuracy and validity of any information supplied by you, or your identity

5.4We suspect you have engaged, or are about to engage, or have in any way been involved, in fraudulent, defamatory or illegal activity on the Website

6Linking to the Website

6.1You must not create a link to the Website from another website, document or any other source without first obtaining our prior written consent.

6.2Any agreed link must:

6.2.1Be to the Website's homepage and not to any other page on the Website

6.2.2Be established from a website or document that is owned by you and does not contain content that is offensive, controversial, defamatory, infringes any intellectual property rights or other rights of any other person or does not comply in any way with the law in the UK and the law in any country from which they are hosted

6.2.3Be provided in such a way that is fair and legal and does not damage our reputation or take advantage of it

6.2.4Not suggest any form of association, approval or endorsement on our part where none exists

6.2.5Not cause the Website or content on the Website to be embedded in or 'framed' by any other website

6.2.6Not cause the content of the Website to be displayed differently from the way it appears on the Website

6.3We have no obligation to inform you if the address of the Website home page changes and it is your responsibility to ensure that any link you provide to our homepage is at all times accurate.

6.4We reserve the right to withdraw our consent without notice and without providing any reasons for withdrawal. Upon receiving such notice you must immediately remove the link and inform us once this has been done.

7External links

To provide increased value and convenience to our users, we may provide links to other websites or resources for you to access at your sole discretion and risk. You acknowledge and agree that, as you have chosen to enter the linked website we are not responsible for the availability of such external sites or resources, and do not review or endorse and are not responsible or liable in any way, whether directly or indirectly, for:

7.1The privacy practices of such websites

7.2The content of such websites, including (without limitation) any advertising, content, products, goods or other materials or services on or available from such websites or resources

7.3The use which others make of these websites

7.4Any damage, loss or offence caused or alleged to be caused to you, arising from or in connection with the use of or reliance upon any such advertising, content, products, goods, materials or services available on and/or purchased by you from such external websites or resources


8.1The content on the Website is provided for general information only. It is not intended to be advice on which you should rely. It shall be your responsibility to ensure that any products, services or information available through the Website meet your specific requirements.

8.2We attempt to ensure that the information available on the Website at any time is accurate. However, we do not guarantee the accuracy or completeness of material on this Website. We use all reasonable endeavours to correct errors and omissions as quickly as practicable after becoming aware or being notified of them. We make no commitment to ensure that such material is correct or up to date.

8.3The Website is provided on an 'as is' and 'as available' basis without any representation or endorsement made and we make no warranties or guarantees, whether express or implied, statutory or otherwise (unless otherwise expressly stated in these Terms or required by law).

8.4We make no representation or warranty of any kind express or implied statutory or otherwise regarding the availability of the Website or that it will be timely or error-free, that defects will be corrected, or that the Website or the server that makes it available are free of viruses or bugs.

8.5We will not be responsible or liable to you for any loss of content or material uploaded or transmitted through the Website and we accept no liability of any kind for any loss or damage from action taken in reliance on material or information contained on the Website.

8.6You are responsible for maintaining appropriate anti-virus software on and appropriately configuring the technological devices, platform and computer programs you use to access the Website that are in your control. You must bear the risk associated with the use of the internet. In particular, we will not be liable for any damage or loss caused by a distributed denial-of-service attack, any viruses, Trojans, worms, logic bombs, keystroke loggers, spyware, adware or other material which is malicious or technologically harmful that may infect your computer, peripheral computer equipment, computer programs, data or other proprietary material as a result of your use of the Website or you downloading any material posted or sold on the Website or from any website linked to it.

9Limitation of liability and indemnity

9.1If you are a consumer, nothing in these Terms affects your legal rights. You can obtain advice about your legal rights from Citizens Advice if you need to.

9.2We cannot exclude or limit our responsibility to you for:

9.2.1Death or personal injury resulting from our negligence

9.2.2Fraud or fraudulent misrepresentation

9.2.3Action pursuant to section 2(3) of the Consumer Protection Act 1987

9.2.4Any liability, right or remedy which we cannot exclude or limit pursuant to the Consumer Rights Act 2015

9.2.5Any other matter for which it would be unlawful for us to exclude or attempt to exclude our liability

9.3We will not be liable, in contract or tort (including, without limitation, negligence), or in respect of pre-contract or other representations (other than fraudulent or negligent misrepresentations) or otherwise for the below mentioned losses where they have arisen from use of or inability to use the Website for commercial purposes, or use of or reliance on any material or content displayed on the Website or on any linked websites for commercial purposes:

9.3.1Any economic losses (including without limitation loss of revenues, profits, contracts, business or anticipated savings)

9.3.2Any loss of goodwill or reputation

9.3.3Any special or indirect losses

9.3.4Any loss of data

9.3.5Wasted management or office time

9.3.6Any other loss or damage of any kind

9.4If you are not a consumer we exclude all liability, including any liability in negligence, arising from your use or inability to access or use the Website other than that referred to in clause 9.2.

9.5If you are a consumer, we are responsible for foreseeable loss or damage which you suffer as a result of a breach by us of the Terms or as a result of our failure to act with reasonable care and skill. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made, both we and you knew it might happen, for example, if you discussed it with us before using the Website. We are not responsible for unforeseeable losses.

9.6If you are not a consumer, you agree to fully indemnify, defend and hold us, and our officers, directors, employees and suppliers, harmless immediately on demand, from and against all claims, including but not limited to losses (including loss of profit, revenue, goodwill or reputation), costs and expenses, including reasonable administrative and legal costs, arising out of any breach of these Terms by you, or any other liabilities arising out of your use of this Website or any other person accessing the Website using your personal information with your authority.

9.7If you are a consumer you agree to fully reimburse us, our officers, directors, employees and suppliers for all losses (including loss of profit, revenue, goodwill or reputation), costs and expenses, including reasonable administrative and legal costs, arising out of any breach of these Terms by you, or any other act or omission by you in using the Website or by any other person accessing the Website using your personal information with your authority that results in any legal responsibility on our part to any third party.

10Use of personal data

You authorise us to transmit your name, address and other personal information supplied by you (included updated information) to obtain information from third parties about you, including, but not limited to, credit reports and so that we may authenticate your identity.


11.1We reserve the right to change the domain address of this Website and any services, products, product prices, product specifications and availability at any time.

11.2Each of the sub-clauses of these Terms should be considered separately. If any of these Terms are found to be unenforceable, invalid or illegal, the rest of these Terms will continue to have full effect.

11.3These Terms are in English only.

11.4We will not lose our rights under these Terms by reason of any delay by us in enforcing those rights. We will not be bound by any agreement not to enforce our rights under these Terms unless we have agreed not to do so in writing.

11.5Any delay by us in enforcing our right, non-enforcement of our rights or agreement not to enforce our rights in respect of one breach by you of these Terms will not prevent us from fully enforcing our rights in respect of any other breach by you of these Terms.

12Governing law and jurisdiction

12.1The Website is controlled and operated in the United Kingdom.

12.2If you are a business, these Terms are governed by the laws of England and Wales and the courts of England and Wales shall have exclusive jurisdiction over legal proceedings in connection with your use of the Website, any breach of these Terms and any question in connection with the interpretation or application of these Terms.

12.3If you are a consumer, these Terms are governed by the laws of England and Wales and you can bring legal proceedings in the courts of England and Wales. If you live in Scotland you can bring legal proceedings in either the courts of Scotland or England and Wales. If you live in Northern Ireland you can bring legal proceedings in either the courts of Northern Ireland or England and Wales. If you live in another country in the EU, you can bring legal proceedings in either the courts of your home country or England and Wales.