Terms and Conditions

Last updated: December 19, 2025

AGREEMENT TO OUR LEGAL TERMS

We are FozDigital LTD, doing business as PerkLedger (“Company,” “we,” “us,” or “our”), a company registered in England and Wales at 124 City Road, London, EC1V 2NX.

We operate the website https://perkledger.com (the “Site”), our mobile application (the “App”), our browser extension (the “Extension”), our Member Dashboard, as well as any other related products and services that refer or link to these legal terms (the “Legal Terms”) (collectively, the “Services”).

PerkLedger is a B4B (Business-for-Business) infrastructure discovery platform dedicated to helping businesses, freelancers, and entrepreneurs (“Builders”) build better tech stacks. We curate actionable insights about business tools, verify exclusive perks and discounts, and operate a members-only Discovery Rewards programme that shares growth capital with you for adopting partner tools that fit your workflow.

You can contact us by email at [email protected] or via our contact form.

These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”), and FozDigital LTD, concerning your access to and use of the Services. You agree that by accessing the Services, you have read, understood, and agreed to be bound by all of these Legal Terms. IF YOU DO NOT AGREE WITH ALL OF THESE LEGAL TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST DISCONTINUE USE IMMEDIATELY.

We will provide you with prior notice of any scheduled changes to the Services you are using. The modified Legal Terms will become effective upon posting or at the date specified in the notice. By continuing to use the Services after the effective date of any changes, you agree to be bound by the modified terms.

The Services are intended for users who are at least 18 years old or have reached the age of majority in their jurisdiction. Persons under this age are not permitted to use or register for the Services.

We recommend that you print or save a copy of these Legal Terms for your records.

1. OUR SERVICES

The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement. Accordingly, those persons who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.

The Services include but are not limited to:

Tool Directory: A curated database of business tools with detailed information, reviews, and comparisons.
Perks Hub: A collection of verified discounts, extended trials, and exclusive offers from partner brands.
Discovery Rewards: A members-only programme that rewards eligible actions such as subscribing to partner tools.
Insights: Educational content, guides, and expert analysis to help you make informed decisions about your tech stack.
Member Dashboard: A personalised area where members can manage their account, track rewards, and access exclusive features based on their tier.

2. INTELLECTUAL PROPERTY RIGHTS

Our intellectual property

We are the owner or the licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, graphics, tool descriptions, perk details, and curated content (collectively, the “Content”), as well as the trademarks, service marks, and logos contained therein (the “Marks”).

Our Content and Marks are protected by copyright and trademark laws and treaties around the world. The Content and Marks are provided in or through the Services “AS IS” for your use in accordance with these Legal Terms.

Your use of our Services

Subject to your compliance with these Legal Terms, including the “PROHIBITED ACTIVITIES” section below, we grant you a non-exclusive, non-transferable, revocable licence to:

Access and use the Services for your internal business purposes.
Download or print a copy of any portion of the Content to which you have properly gained access, solely for your personal or internal business use.
Share links to publicly available tool listings, perks, and insights via standard web sharing mechanisms.

Except as set out in this section or elsewhere in our Legal Terms, no part of the Services and no Content or Marks may be copied, reproduced, scraped, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

You may not:

Republish our tool database, perk listings, or reward information on third-party websites or platforms.
Create derivative databases or directories based on our Content.
Use automated tools to scrape, harvest, or collect data from the Services.
Remove or obscure any copyright, trademark, or other proprietary notices from the Services.

Any breach of these Intellectual Property Rights will constitute a material breach of our Legal Terms and your right to use our Services will terminate immediately.

Fail to comply with the UK Bribery Act 2010 or your employer’s internal anti-corruption and gift policies. You acknowledge that Rewards earned for business purchases are intended for the benefit of the business entity, and you warrant that your receipt of such rewards does not constitute an undisclosed conflict of interest or commercial bribery.

Your submissions and feedback

By directly sending us any question, comment, suggestion, idea, feedback, or other information about the Services (“Submissions”), you agree to assign to us all intellectual property rights in such Submission. You agree that we shall own this Submission and be entitled to its unrestricted use and dissemination for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you.

You are responsible for what you post or upload. By sending us Submissions, you warrant that they are original to you or that you have the necessary rights and licences to submit them, and that they do not violate the terms outlined in our “PROHIBITED ACTIVITIES” section.

3. USER REPRESENTATIONS

By using the Services, you represent and warrant that:

All registration information you submit will be true, accurate, current, and complete.
You will maintain the accuracy of such information and promptly update it as necessary.
You have the legal capacity and you agree to comply with these Legal Terms.
You are not a minor in the jurisdiction in which you reside, or if a minor, you have received parental permission to use the Services.
You will not access the Services through automated or non-human means, whether through a bot, script, or otherwise.
You will not use the Services for any illegal or unauthorised purpose.
Your use of the Services will not violate any applicable law or regulation.
You are not located in a country subject to a UK or EU government embargo, or that has been designated as a “terrorist supporting” country.
You are not listed on any UK or EU government list of prohibited or restricted parties.
Self-Declaration Accuracy: Since PerkLedger does not perform automated identity verification upon registration, you strictly warrant that all personal and business information provided in your profile is accurate, current, and truthful. You acknowledge that providing false identity information (e.g., fake names, disposable emails for business accounts) is a material breach of these Terms and constitutes grounds for immediate account termination and forfeiture of all accrued rewards.

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services (or any portion thereof).

4. USER REGISTRATION

You may be required to register to access certain features of the Services, including the Discovery Rewards programme and Premium membership benefits. You agree to:

Keep your password confidential and secure.
Be responsible for all use of your account and password.
Notify us immediately of any unauthorised use of your account.
Not share your account credentials with any third party.
Not create multiple accounts for the same person or entity.

We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that it is inappropriate, obscene, or otherwise objectionable, or if it infringes on the intellectual property rights of a third party.

5. MEMBERSHIP LEVELS AND SUBSCRIPTION

Membership Tiers

PerkLedger offers two primary tiers of membership designed for different stages of your business journey:

Level 1 (Free Member): Provides access to the Tool Directory, public Perks, standard Discovery Rewards capability, and the ability to save custom stacks.
Level 2 (Premium Member): The professional tier for active builders. Includes all Free benefits plus a 25% Bonus Multiplier on all earned Discovery Rewards, access to “Hidden Perks” (high-value exclusive deals), and professional payout options (Business Invoice).

Beta Launch Special (Code: WELCOMEPL)

During our Beta phase, we are offering eligible users a complimentary upgrade to Level 2 (Premium) for 1 year using the promo code WELCOMEPL. By using this code, you acknowledge that:

This is a one-time offer per user/entity.
At the end of the 12-month free period, your account will automatically revert to Level 1 (Free) unless you choose to upgrade to a paid subscription.
Any rewards earned and confirmed during the Premium period will retain their value, but the 25% multiplier will cease to apply to new actions after the downgrade.

Billing and Payment (Paid Subscriptions)

For paid Premium subscriptions (post-trial or direct purchase), we use SureCart to manage memberships and Stripe as our secure payment gateway. By subscribing, you authorise us to charge your chosen payment method for the recurring subscription fee (monthly or annually). All fees are stated in GBP (£) unless otherwise noted.

Cancellation

You may cancel your Premium subscription at any time via the Member Dashboard. Upon cancellation, you will retain Premium benefits until the end of the current billing cycle. Refunds are not provided for partial subscription periods, except where required by UK consumer law.

Chargebacks & Dispute Fees: If you initiate a chargeback, credit card dispute, or payment reversal for a Premium subscription fee that is subsequently determined to be valid, you agree to pay PerkLedger an administrative fee of £20.00 (plus VAT) to cover our processing costs and third-party penalty fees. We reserve the right to deduct this amount from your Discovery Rewards Wallet or invoice you directly.

Lifetime Membership Definition: If you purchase or are granted a “Lifetime Membership,” this refers to the lifetime of the Service (PerkLedger), not the lifetime of the user. “Lifetime” is defined as the period during which PerkLedger continues to offer the specific Premium features included at the time of purchase. We reserve the right to discontinue the Service or specific features with reasonable notice (e.g., 90 days), at which point the “Lifetime” subscription will terminate without a refund of fees paid more than 12 months prior.

6. DISCOVERY REWARDS PROGRAMME POLICY

Programme Scope

The Discovery Rewards programme is a “Growth Capital” initiative where we share a portion of our affiliate commissions with you when you adopt specific partner tools. It is not a guaranteed income scheme or an investment product.

Geographic Restrictions (UK Only Payouts)

While users globally can browse tools and access public perks:

Payout Eligibility: The ability to withdraw funds from your PerkLedger Wallet is currently restricted to users and businesses resident in the United Kingdom (UK).
International Users: If you are outside the UK, you may still accumulate a balance if the partner tool allows global tracking, but you will not be able to withdraw these funds until our payout infrastructure expands to your region.

Earning and Verification Process

Action: You must click the specific “Claim Reward” or tracking link on PerkLedger and complete the required action (e.g., start a paid subscription) in the same session without using ad-blockers.
Pending Status: Successfully tracked actions appear in your wallet as “Pending”.
Approval: The Partner Brand verifies that you are a legitimate new user and have met their terms (e.g., stayed past the refund period). This process typically takes 30 to 90 days.
Proof of Action: We reserve the right to request proof of purchase (invoice, welcome email) to manually verify a claim if automatic tracking fails.

Premium Bonus (25% Multiplier)

Level 2 (Premium) members automatically earn a 25% bonus on top of the base reward amount for every approved transaction. This bonus is calculated and added to your wallet at the time the reward is confirmed.

Payout Methods

Gift Cards: Available to all eligible UK members (Level 1 & Level 2).
Business Invoice (B2B): Exclusively available to Level 2 (Premium) members operating as UK Limited Companies. You may raise a business invoice to FozDigital LTD for your reward balance (plus VAT if applicable) to receive a direct bank transfer.

Payout Restrictions and Clawbacks

Minimum Threshold: Payouts can only be requested when your confirmed Wallet balance reaches a minimum of £50.00 GBP.
Right to Clawback: If a Partner Brand reverses a commission paid to us (e.g., due to a refund, fraud, or cancellation), we reserve the right to deduct the corresponding reward amount from your Wallet. If already paid out, we may deduct this from future earnings.
Expiry: Wallet balances on accounts that have been inactive (no login) for more than 12 months may be subject to expiry and removal.

7. PROHIBITED ACTIVITIES

You may not access or use the Services for any purpose other than that for which we make them available. The Services are intended solely for users to access information and rewards that may help their business. As a user of the Services, you agree not to:

Systematically retrieve data or other content from the Services to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords or to submit fraudulent reward claims.
Circumvent, disable, or otherwise interfere with security-related features of the Services, including features that prevent or restrict the use or copying of any Content.
Disparage, tarnish, or otherwise harm, in our opinion, us, our partners, and/or the Services.
Use any information obtained from the Services in order to harass, abuse, or harm another person.
Make improper use of our support services or submit false reports of abuse or misconduct.
Use the Services in a manner inconsistent with any applicable laws or regulations.
Engage in unauthorised framing of or linking to the Services.
Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material that interferes with any party’s uninterrupted use of the Services.
Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.
Delete the copyright or other proprietary rights notice from any Content.
Attempt to impersonate another user or person or use the username of another user.
Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism.
Interfere with, disrupt, or create an undue burden on the Services or the networks or services connected to the Services.
Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Services to you.
Copy or adapt the Services’ software, including but not limited to Flash, PHP, HTML, JavaScript, or other code.
Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Services.
Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system to access the Services, including but not limited to any spider, robot, cheat utility, scraper, or offline reader.
Use the Services as part of any effort to compete with us or otherwise use the Services for any revenue-generating endeavour or commercial enterprise without our express written permission.
Create multiple accounts to exploit the Discovery Rewards programme or claim the same reward more than once.
Submit false, manipulated, or fraudulent proof of purchase for Discovery Rewards claims.
Engage in “churning” behaviour, such as repeatedly signing up for and cancelling services solely to claim rewards.
Liquidated Damages for Unauthorised Scraping: You acknowledge that our proprietary database of tools and perks requires substantial investment to maintain. In the event you are found to be scraping, harvesting, or automatically extracting our Content in violation of these Terms, you agree to pay liquidated damages of £100 per record scraped or £5,000 per day of violation, whichever is higher. This amount is agreed to be a reasonable estimate of the damages we would suffer and is not a penalty.
Abuse the Referral Programme by: (a) inviting your own alternate email addresses (Self-Referral); (b) distributing referral links via unsolicited commercial email (Spam); (c) bidding on PerkLedger keywords in search engine advertising to capture referrals; or (d) posting links on coupon aggregators or discount sites.
Access our public or private API endpoints in a manner that exceeds reasonable request volumes (Rate Limiting), abuses our server resources, or circumvents our authentication protocols. We reserve the right to throttle or revoke API access for any user affecting platform stability.
Non-Circumvention: You agree not to use the specific deal information, discount codes, or contacts obtained through PerkLedger to directly negotiate with Partner Brands in an attempt to bypass our tracking links or avoid the affiliate attribution structure. Doing so undermines our business model and may result in the immediate termination of your account.

8. USER GENERATED CONTRIBUTIONS

The Services may invite you to participate in forums, comment sections, tool reviews, or other interactive features where you can create, submit, post, display, transmit, perform, publish, or distribute content and materials to us or through the Services, including but not limited to text, writings, comments, reviews, ratings, and tool recommendations (collectively, “Contributions”).

Contributions may be viewable by other users of the Services. When you create or make available any Contributions, you thereby represent and warrant that:

The creation, distribution, transmission, or display of your Contributions do not and will not violate the rights of any third party, including copyright, trademark, privacy, publicity, or other personal or proprietary rights.
You have firsthand experience with the tool, service, or subject matter you are reviewing or discussing.
Your Contributions are not false, inaccurate, or misleading.
Your Contributions are not unsolicited or unauthorised advertising, promotional materials, spam, or any other form of solicitation.
Your Contributions do not contain offensive, defamatory, obscene, or otherwise objectionable content.

Any use of the Services in violation of the foregoing violates these Legal Terms and may result in, among other things, termination or suspension of your rights to use the Services.

9. CONTRIBUTION LICENCE

By posting your Contributions to any part of the Services, you automatically grant, and you represent and warrant that you have the right to grant, to us an unrestricted, unlimited, irrevocable, perpetual, non-exclusive, transferable, royalty-free, fully-paid, worldwide right, and licence to host, use, copy, reproduce, disclose, sell, resell, publish, broadcast, retitle, archive, store, cache, publicly perform, publicly display, reformat, translate, transmit, excerpt (in whole or in part), and distribute such Contributions (including, without limitation, your image and voice) for any purpose, commercial, advertising, or otherwise, and to prepare derivative works of, or incorporate into other works, such Contributions, and grant and authorise sublicences of the foregoing.

The use and distribution may occur in any media formats and through any media channels. This licence will apply to any form, media, or technology now known or hereafter developed, and includes our use of your name, company name, and the name of any business you represent, as applicable, and any of the trademarks, service marks, trade names, logos, and personal and commercial images you provide.

You waive all moral rights in your Contributions, and you warrant that moral rights have not otherwise been asserted in your Contributions. We do not assert any ownership over your Contributions. You retain full ownership of all of your Contributions and any intellectual property rights or other proprietary rights associated with your Contributions. We are not liable for any statements or representations in your Contributions provided by you in any area on the Services.

You are solely responsible for your Contributions to the Services and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your Contributions.

10. GUIDELINES FOR REVIEWS

We may provide you areas on the Services to leave reviews, ratings, or comments about tools, perks, or partner brands. When posting a review, you must comply with the following criteria:

You should have firsthand experience with the tool, service, or brand being reviewed.
Your reviews should not contain offensive profanity, abusive, racist, offensive, or hateful language.
Your reviews should not contain discriminatory references based on religion, race, gender, national origin, age, marital status, sexual orientation, or disability.
Your reviews should not contain references to illegal activity.
You should not be affiliated with competitors if posting negative reviews, or affiliated with the brand itself if posting positive reviews, without disclosure.
You should not make any conclusions as to the legality, safety, or efficacy of any tool or service.
You may not post any false or misleading statements.
You may not organise a campaign encouraging others to post reviews, whether positive or negative.

We may accept, reject, or remove reviews in our sole discretion. We have absolutely no obligation to screen reviews or to delete reviews, even if anyone considers reviews objectionable or inaccurate. Reviews are not endorsed by us, and do not necessarily represent our opinions or the views of any of our affiliates or partners.

We do not assume liability for any review or for any claims, liabilities, or losses resulting from any review. By posting a review, you hereby grant to us a perpetual, non-exclusive, worldwide, royalty-free, fully paid, assignable, and sublicensable right and licence to reproduce, modify, translate, transmit by any means, display, perform, and/or distribute all content relating to review.

Hosting Provider Status: You acknowledge that in providing a platform for user reviews, PerkLedger acts solely as a passive conduit and hosting provider. We do not edit, endorse, or verify the factual accuracy of user-generated reviews. We expressly exclude liability for any defamation, libel, or loss of business reputation arising from user contributions, subject to our notice-and-takedown obligations under UK law.

No Traffic Hijacking: You may not include your own affiliate links, referral codes, or self-promotional URLs within your public reviews, stack descriptions, or comments. PerkLedger reserves the right to automatically strip, modify, or remove any external links posted by users that compete with our own monetisation or redirect traffic for personal gain.

11. THIRD-PARTY WEBSITES AND CONTENT

The Services may contain (or you may be sent via the Services) links to other websites (“Third-Party Websites”) as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties (“Third-Party Content”).

Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Services or any Third-Party Content posted on, available through, or installed from the Services.

ALL OFFERS, PRODUCTS, SERVICES, SUBSCRIPTIONS, AND PRICING PROVIDED BY THIRD PARTIES (INCLUDING PARTNER BRANDS AND TOOL VENDORS) ARE SUBJECT TO THEIR OWN TERMS AND CONDITIONS, REFUND POLICIES, AND SERVICE LEVEL AGREEMENTS. WE HAVE NO CONTROL OR AUTHORITY OVER THESE THIRD-PARTY TERMS. IT IS YOUR SOLE RESPONSIBILITY TO VERIFY THE VALIDITY OF ANY PERK, COUPON, OR OFFER BEFORE COMPLETING A TRANSACTION.

12. AFFILIATE DISCLOSURE & PARTNER BRANDS

PerkLedger partners with third-party brands (“Partners”) to provide perks and Discovery Rewards. These partnerships may involve:

Affiliate relationships: We may earn commissions when you sign up for or purchase tools through our links. This revenue supports our platform and funds the Discovery Rewards programme.
Reward partnerships: Partners fund Discovery Rewards when you meet specified conditions.
Content collaborations: Partners may provide or sponsor educational content or tool descriptions.

Our partner and affiliate relationships include, but are not limited to:

Direct partnerships with SaaS and business tool vendors.
Affiliate networks such as CJ Affiliate, Impact, Awin, Rakuten, ShareASale, PartnerStack, and others.

Editorial Independence: While we earn commissions from partner relationships, our editorial team maintains independence in selecting, reviewing, and recommending tools. We strive to provide honest, unbiased information, but you should be aware that financial incentives may influence which tools we feature or promote. The presence of an affiliate link does not constitute an endorsement of the product’s quality or fitness for a particular purpose.

Sponsored Content Transparency: Distinct from affiliate commissions, we may occasionally accept a direct fee to feature a specific tool, article, or placement. In such cases, we commit to clearly labelling this content as “Sponsored,” “Promoted,” “Ad,” or “Partner Content.” This ensures you can easily distinguish between our organic recommendations and paid advertisements.

13. SERVICES MANAGEMENT

We reserve the right, but not the obligation, to:

Monitor the Services for violations of these Legal Terms.
Take appropriate legal action against anyone who, in our sole discretion, violates the law or these Legal Terms.
Refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof.
Remove from the Services or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems.
Otherwise manage the Services in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services.
Support Services & No SLA: While we aim to respond to all support inquiries within 24-48 business hours, PerkLedger does not offer a Service Level Agreement (SLA) or guaranteed response time for any membership tier, including Premium. Support is provided on a “reasonable efforts” basis for platform-related issues only; we do not offer consultancy for the third-party tools listed in our directory.

14. PRIVACY POLICY

We care about data privacy and security. Please review our Privacy Policy: https://perkledger.com/policy/privacy-policy/.

By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Legal Terms. Please be advised the Services are hosted in the United Kingdom. If you access the Services from any other region with laws or regulations governing personal data collection, use, or disclosure that differ from UK laws, then through your continued use of the Services, you are transferring your data to the United Kingdom, and you expressly consent to have your data transferred to and processed in the United Kingdom.

15. TERM AND TERMINATION

These Legal Terms shall remain in full force and effect while you use the Services. WITHOUT LIMITING ANY OTHER PROVISION OF THESE LEGAL TERMS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SERVICES (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE LEGAL TERMS OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SERVICES OR DELETE YOUR ACCOUNT AND ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION.

If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party.

In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.

Survival: Any provisions of these Legal Terms that by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

16. MODIFICATIONS AND INTERRUPTIONS

We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Services. We will not be liable to you or any third party for any modification, suspension, or discontinuance of the Services.

We cannot guarantee the Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Services, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Services at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Services during any downtime or discontinuance of the Services.

17. GOVERNING LAW

These Legal Terms shall be governed by and defined following the laws of England and Wales. FozDigital LTD and yourself irrevocably consent that the courts of England and Wales shall have exclusive jurisdiction to resolve any dispute which may arise in connection with these Legal Terms.

18. DISPUTE RESOLUTION

Informal Negotiations

To expedite resolution and control the cost of any dispute, controversy, or claim related to these Legal Terms (each a “Dispute” and collectively, the “Disputes”) brought by either you or us (individually, a “Party” and collectively, the “Parties”), the Parties agree to first attempt to negotiate any Dispute informally for at least thirty (30) days before initiating arbitration. Such informal negotiations commence upon written notice from one Party to the other Party.

Binding Arbitration

If the Parties are unable to resolve a Dispute through informal negotiations, the Dispute (except those Disputes expressly excluded below) will be finally and exclusively resolved by binding arbitration. The arbitration shall be commenced and conducted under the rules of the London Court of International Arbitration (“LCIA”). The seat, or legal place, of arbitration shall be London, United Kingdom. The language of the proceedings shall be English. The number of arbitrators shall be one.

Restrictions

The Parties agree that any arbitration shall be limited to the Dispute between the Parties individually. To the full extent permitted by law, (a) no arbitration shall be joined with any other proceeding; (b) there is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilise class action procedures; and (c) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.

Exceptions to Informal Negotiations and Arbitration

The Parties agree that the following Disputes are not subject to the above provisions concerning informal negotiations binding arbitration: (a) any Disputes seeking to enforce or protect, or concerning the validity of, any of the intellectual property rights of a Party; (b) any Dispute related to, or arising from, allegations of theft, piracy, invasion of privacy, or unauthorised use; and (c) any claim for injunctive relief. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.

19. CORRECTIONS

There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.

20. PROFESSIONAL ADVICE DISCLAIMER

The Services cannot and do not contain financial, legal, tax, accounting, or professional business advice. The information is provided for general informational and educational purposes only and is not a substitute for professional advice.

Accordingly, before making any business decisions, purchasing subscriptions, adopting new tools, or taking any actions based upon information from our Services, we encourage you to consult with the appropriate professionals (e.g., accountants, lawyers, business advisors).

We are not a software vendor, financial service provider, or business consultant. The inclusion of any brand, tool, or offer on our Services does not constitute an endorsement, recommendation, or guarantee of suitability for your specific business needs. THE USE OR RELIANCE OF ANY INFORMATION CONTAINED ON THE SERVICES IS SOLELY AT YOUR OWN RISK.

21. GENERAL DISCLAIMER (WARRANTIES)

THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SERVICES’ CONTENT OR THE CONTENT OF ANY WEBSITES OR MOBILE APPLICATIONS LINKED TO THE SERVICES AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SERVICES, (3) ANY UNAUTHORISED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICES, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SERVICES BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICES.

Verification of Perks: Our team works diligently to verify the perks, discounts, and offers we publish. However, offers can change or expire without notice. IT IS YOUR SOLE RESPONSIBILITY TO Verify that a perk is still active and applicable to your situation before relying on it.

Beta Services: Certain features of the Services may be designated as “Beta” or “Early Access.” You acknowledge that these features may contain bugs, errors, or incomplete functionality. We are not liable for any data loss, service interruptions, or unexpected behavior arising from the use of Beta features.

Testimonials and Earnings: The Services may contain testimonials by users of our products and/or services. These testimonials reflect the real-life experiences and opinions of such users. However, the experiences are personal to those particular users, and may not necessarily be representative of all users of our products and/or services. We do not claim, and you should not assume, that all users will have the same experiences. YOUR INDIVIDUAL RESULTS MAY VARY.

22. LIMITATIONS OF LIABILITY

IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US DURING THE SIX (6) MONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING, OR £100 GBP, WHICHEVER IS LESS.

CERTAIN UK AND EU LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

23. INDEMNIFICATION

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable legal fees and expenses, made by any third party due to or arising out of:

Your Contributions;
Use of the Services;
Breach of these Legal Terms;
Any breach of your representations and warranties set forth in these Legal Terms;
Your violation of the rights of a third party, including but not limited to intellectual property rights; or
Any overt harmful act toward any other user of the Services with whom you connected via the Services.

Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defence and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defence of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.

24. USER DATA

We will maintain certain data that you transmit to the Services for the purpose of managing the performance of the Services, as well as data relating to your use of the Services. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Services.

You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.

25. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES

Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Services, satisfy any legal requirement that such communication be in writing.

YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SERVICES.

You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.

26. COMPETITIONS AND GIVEAWAYS

From time to time, we may host contests, giveaways, or sweepstakes (“Promotions”) on our Services or social media channels. Participation in these Promotions is subject to the following general rules, unless specific terms are provided for a particular Promotion:

No Purchase Necessary: Unless stated otherwise, no purchase is necessary to enter our giveaways.
Eligibility: Promotions are open to UK residents aged 18 or over, excluding employees of FozDigital LTD and their immediate families.
Entry Conditions: We accept no responsibility for entries not received due to technical faults. Incomplete or fraudulent entries will be disqualified.
Winner Selection: Winners will be chosen at random (for sweepstakes) or based on merit (for skill-based contests) and notified within 7 days. If a winner does not respond within 7 days, we reserve the right to select an alternative winner.
Prizes: Prizes are non-transferable and no cash alternative is offered. We reserve the right to substitute a prize of equal or greater value.
Social Media: Promotions hosted on platforms like X (Twitter), LinkedIn, or Instagram are not sponsored, endorsed, or administered by those platforms. You release these platforms from all liability.
Publicity: By entering, winners agree to the use of their name and image for promotional purposes without additional compensation, unless prohibited by law.

27. MISCELLANEOUS

These Legal Terms and any policies or operating rules posted by us on the Services or in respect to the Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Legal Terms shall not operate as a waiver of such right or provision.

These Legal Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control.

If any provision or part of a provision of these Legal Terms is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Legal Terms and does not affect the validity and enforceability of any remaining provisions.

There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Legal Terms or use of the Services. You agree that these Legal Terms will not be construed against us by virtue of having drafted them.

You hereby waive any and all defences you may have based on the electronic form of these Legal Terms and the lack of signing by the parties hereto to execute these Legal Terms.

27. MOBILE & BROWSER APPLICATION LICENCE

Use License: If you access the Services via a mobile or browser application, then we grant you a revocable, non-exclusive, non-transferable, limited right to install and use the mobile application on wireless electronic devices owned or controlled by you, and to access and use the mobile application on such devices strictly in accordance with the terms and conditions of this mobile application licence contained in these Legal Terms.

Apple and Android Devices: The following terms apply when you use a mobile application obtained from either the Apple Store or Google Play (each an “App Distributor”) to access the Services: (1) The licence granted to you for our mobile application is limited to a non-transferable licence to use the application on a device that utilises the Apple iOS or Android operating systems, as applicable, and in accordance with the usage rules set forth in the applicable App Distributor’s terms of service; (2) We are responsible for providing any maintenance and support services with respect to the mobile application as specified in the terms and conditions of this mobile application licence contained in these Legal Terms or as otherwise required under applicable law, and you acknowledge that each App Distributor has no obligation whatsoever to furnish any maintenance and support services with respect to the mobile application; (3) You represent and warrant that (i) you are not located in a country that is subject to a U.S. government embargo, or that has been designated by the U.S. government as a “terrorist supporting” country and (ii) you are not listed on any U.S. government list of prohibited or restricted parties; (4) You must comply with applicable third-party terms of agreement when using the mobile application, e.g., if you have a VoIP application, then you must not be in violation of their wireless data service agreement when using the mobile application; and (5) You acknowledge and agree that the App Distributors are third-party beneficiaries of the terms and conditions in this mobile application licence contained in these Legal Terms, and that each App Distributor will have the right (and will be deemed to have accepted the right) to enforce the terms and conditions in this mobile application licence contained in these Legal Terms against you as a third-party beneficiary thereof.

28. CONTACT US

In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at:

FozDigital LTD
124 City Road
London, EC1V 2NX
United Kingdom
Email: [email protected]
Contact Form: https://perkledger.com/contact/