Website Intellectual Property Notices

1. Copyright Notice

© Bank Talk Show.com / © Bnk Talk Show Limted, All Rights Reserved.

The content of this website is protected by the copyright laws of England and Wales and by international laws and conventions.  No content from this website may be copied, reproduced or revised without the prior written consent of Bnk Talk Show Limited.  Copies of content may be saved and/or printed for personal use only.

1. Registered Trade Mark Notice

1. Bank Talk Show.com ® is a registered trade mark of Bnk Talk Show Limited.
2. Bnk Talk Show Limited ® is a registered trade mark of Bnk Talk Show Limited.

1. Trade Mark Application Notice

Bank Talk Show.com ™ and Bnk Talk Show Limited ™ is the subject of a trade mark registration application by Bnk Talk Show Limited.

Bnk Talk Show Limited Data Protection Policy 2012

1. Introduction

This document sets out the obligations of Bnk Talk Show Limited (“the Company”) with regard to data protection and the rights of people with whom it works in respect of their personal data under the Data Protection Act 1998 (“the Act”).

This Policy shall set out procedures which are to be followed when dealing with personal data.  The procedures set out herein must be followed by the Company, its employees, contractors, agents, consultants, partners or other parties working on behalf of the Company.

The Company views the correct and lawful handling of personal data as key to its success and dealings with third parties.  The Company shall ensure that it handles all personal data correctly and lawfully.

1. The Data Protection Principles

This Policy aims to ensure compliance with the Act.  The Act sets out eight principles with which any party handling personal data must comply.  All personal data:

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      1. Must be processed fairly and lawfully (and shall not be processed unless certain conditions are met);
      2. Must be obtained only for specified and lawful purposes and shall not be processed in any manner which is incompatible with those purposes;
      3. Must be adequate, relevant and not excessive with respect to the purposes for which it is processed;
      4. Must be accurate and, where appropriate, kept up-to-date;
      5. Must be kept for no longer than is necessary in light of the purpose(s) for which it is processed;
      6. Must be processed in accordance with the rights of data subjects under the Act;
      7. Must be protected against unauthorised or unlawful processing, accidental loss, destruction or damage through appropriate technical and organisational measures; and
      8. Must not be transferred to a country or territory outside of the European Economic Area unless that country or territory ensures an adequate level of protection for the rights and freedoms of data subjects in relation to the processing of personal data. 

1. Rights of Data Subjects

Under the Act, data subjects have the following rights:

•  The right to be informed that their personal data is being processed;
•  The right to access any of their personal data held by the Company within 40 days of making a request;
•  The right to prevent the processing of their personal data in limited circumstances; and
•  The right to rectify, block, erase or destroy ‘incorrect’ personal data.

1. Personal Data

Personal data is defined by the Act as data which relates to a living individual who can be identified from that data or from that data and other information which is in the possession of, or is likely to come into the possession of, the data controller, and includes any expression of opinion about the individual and any indication of the intentions of the data controller or any other person in respect of the individual.

The Act also defines “sensitive personal data” as personal data relating to the racial or ethnic origin of the data subject; their political opinions; their religious (or similar) beliefs; trade union membership; their physical or mental health condition; their sexual life; the commission or alleged commission by them of any offence; or any proceedings for any offence committed or alleged to have been committed by them, the disposal of such proceedings or the sentence of any court in such proceedings.

The Company only holds personal data which is directly relevant to its dealings with a given data subject.  That data will be held and processed in accordance with the data protection principles and with this Policy.  The following data may be collected, held and processed by the Company from time to time:

•  Full Name;
•  Date of Birth / Place of Birth;
•  Current Residential Address;
•  Contact Telephone / Mobile Numbers;
•  Personal Email Address;
•  University or College Email Address
•  Education Status;
•  Address of Educational Premisses;
•  Qualification(s) & Results Achieved;
•  Employment Status;
•  Work Address;
•  Work Telephone / Mobile Numbers;
•  Work Email Address;
•  Payment Data Such As Debit / Credit Card Details (Name On Card As It Appears On Card; Card Number; Start Date; Expiry Date; Payment Authorisation / Security Number; Swift Code If and Where Applicable;) 
•  Bank Sort Code / Account Number; Bank Swift Code & IBAN Number; 
•  PayPal and or other Payment System Account Details, Such As Full Name & Email Address As Registered On PayPal Account;
•  Credit Check Authorisation For Payment Plan Agreement 

1. Processing Personal Data

Any and all personal data collected by the Company (including that detailed in Section 4 of this Policy) is collected in order to ensure that the Company can facilitate efficient transactions with third parties including, but not limited to, its customers, partners, associates and affiliates and efficiently manage its employees, contractors, agents and consultants.  Personal data shall also be used by the Company in meeting any and all relevant obligations imposed by law.

Personal data may be disclosed within the Company.  Personal data may be passed from one department to another in accordance with the data protection principles and this Policy.  Under no circumstances will personal data be passed to any department or any individual within the Company that does not reasonably require access to that personal data with respect to the purpose(s) for which it was collected and is being processed.

The Company shall ensure that:

•  All personal data collected and processed for and on behalf of the Company by any party is collected and processed fairly and lawfully;
•  Data subjects are made fully aware of the reasons for the collection of personal data and are given details of the purpose for which the data will be used;
•  Personal data is only collected to the extent that is necessary to fulfil the stated purpose(s);
• All personal data is accurate at the time of collection and kept accurate and up-to-date while it is being held and / or processed;
• No personal data is held for any longer than necessary in light of the stated purpose(s), such length of time may include payment plan and or company monthly membership program, in which case the payment information will be required to be kept on record for automatic payments for the period that you are assigned to the program.
• All personal data is held in a safe and secure manner, taking all appropriate technical and organisational measures to protect the data;
• All personal data is transferred using secure means, electronically or otherwise;
• No personal data is transferred outside of the UK or EEA (as appropriate) without first ensuring that appropriate safeguards are in place in the destination country or territory; and
• All data subjects can exercise their rights set out above in Section 3 and more fully in the Act.

1. Data Protection Procedures

The Company shall ensure that all of its employees, contractors, agents, consultants, partners or other parties working on behalf of the Company comply with the following when processing and / or transmitting personal data:

• All emails containing personal data must be encrypted;
• Personal data may be transmitted over secure networks only – transmission over unsecured networks is not permitted in any circumstances;
• Personal data may not be transmitted over a wireless network if there is a wired alternative that is reasonably practicable;
• Personal data contained in the body of an email, whether sent or received, should be copied from the body of that email and stored securely.  The email itself should be deleted.  All temporary files associated therewith should also be deleted;
• Where Personal data is to be sent by facsimile transmission the recipient should be informed in advance by either telephone or email notification (with time and date provided) of the transmission and should be waiting by the fax machine to receive the data;
• Where Personal data is to be transferred in hardcopy form it should be passed directly to the recipient.  Using an intermediary is not permitted;
• All hardcopies of personal data should be stored securely in a locked box, drawer, cabinet or similar;
• All electronic copies of personal data should be stored securely using passwords and suitable data encryption, where possible on a drive or server which cannot be accessed via the internet; and
• All passwords used to protect personal data should be changed regularly and should not use words or phrases which can be easily guessed or otherwise compromised.

1. Organisational Measures

The Company shall ensure that the following measures are taken with respect to the collection, holding and processing of personal data:

• A designated officer (“the Designated Officer”) within the Company shall be appointed with the specific responsibility of overseeing data protection and ensuring compliance with the Act.
• All employees, contractors, agents, consultants, partners or other parties working on behalf of the Company are made fully aware of both their individual responsibilities and the Company’s responsibilities under the Act and shall be furnished with a copy of this Policy.
• All employees, contractors, agents, consultants, partners or other parties working on behalf of the Company handling personal data will be appropriately trained to do so.
• All employees, contractors, agents, consultants, partners or other parties working on behalf of the Company handling personal data will be appropriately supervised.
• Methods of collecting, holding and processing personal data shall be regularly evaluated and reviewed.
• The Performance of those employees, contractors, agents, consultants, partners or other parties working on behalf of the Company handling personal data shall be regularly evaluated and reviewed.
• All employees, contractors, agents, consultants, partners or other parties working on behalf of the Company handling personal data will be bound to do so in accordance with the principles of the Act and this Policy by contract.  Failure by any employee to comply with the principles or this Policy shall constitute a disciplinary offence.  Failure by any contractor, agent, consultant, partner or other party to comply with the principles or this Policy shall constitute a breach of contract.  In all cases, failure to comply with the principles or this Policy may also constitute a criminal offence under the Act.
• All contractors, agents, consultants, partners or other parties working on behalf of the Company handling personal data must ensure that any and all of their employees who are involved in the processing of personal data are held to the same conditions as those relevant employees of the Company arising out of this Policy and the Act.
• Where any contractor, agent, consultant, partner or other party working on behalf of the Company handling personal data fails in their obligations under this Policy that party shall indemnify and hold harmless the Company against any costs, liability, damages, loss, claims or proceedings which may arise out of that failure.

1. Access by Data Subjects

A data subject may make a subject access request (“SAR”) at any time to see the information which the Company holds about them.

• SARs must be made in writing, accompanied by the correct fee.
•  The Company currently requires a fee of £10 (the statutory maximum) with all SARs. [A fee of £2 shall be required for access to a credit file.]

Upon receipt of a SAR the Company shall have a maximum period of 40 days within which to respond.  The following information will be provided to the data subject:

• Whether or not the Company holds any personal data on the data subject;
• A description of any personal data held on the data subject; compliant to Section 4.
• Details of what that personal data is used for; As set out of in company Online Webiste Sales of Goods & Services Terms & Conditions to;
• Details of any third-party organisations that personal data is passed to; such as payment transaction used with external system such as Streamline, PayPal etc. and
• Details of any technical terminology or codes.

1. Notification to the Information Commissioner’s Office

As a data controller, the Company is required to notify the Information Commissioner’s Office that it is processing personal data.  The Company is registered in the register of data controllers.

Data controllers must renew their notification with the Information Commissioner’s Office on an annual basis.  Failure to notify constitutes a criminal offence.

Any changes to the register must be notified to the Information Commissioner’s Office within 28 days of taking place.

The Designated Officer shall be responsible for notifying and updating the Information Commissioner’s Office.

1. Implementation of Policy

This Policy shall be deemed effective as of 15th January 2012  No part of this Policy shall have retroactive effect and shall thus apply only to matters occurring on or after this date.

This Policy has been approved & authorised by:

Signature:

Name:	Mrs Bliss Tara Dixon
Position:	The Company Secretary
Date:	15th Januarly 2012

FORUMS / COMMUNITY website disclaimer 

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      1. Bnk Talk Show Limited / Bank Talk Show.com, makes no warranty or representation that this website will meet your requirements, that it will be of satisfactory quality, that it will be fit for a particular purpose, that it will not infringe the rights of third parties, that it will be compatible with all computer systems, that it will be secure and that all information provided will be accurate. We make no guarantee of any specific results from the use of this website.
      2. Bnk Talk Show Limited / Bank Talk Show.com, is not responsible for any material created or submitted by users of this website.  No material created by users is endorsed or otherwise supported by Bnk Talk Show Limited / Bank Talk Show.com.  Bnk Talk Show Limited / Bank Talk Show.com assumes no responsibility for any offence, loss or other harm resulting from material created or submitted by users.
      3. No part of this website is intended to constitute advice and the content of this website should not be relied upon when making any decisions or taking any action of any kind.
      4. The information on this website is not designed with commercial purposes in mind.  [Commercial use of the content of this website is prohibited under Bnk Talk Show Limited / Bank Talk Show.com (Company No: 7902042) Website Terms & Conditions of Section 2; Section 3 and Section 4 of The Company Website Terms & Conditions.  Any such use constitutes a breach of the Website terms and conditions / terms of use and Bnk Talk Show Limited / Bank Talk Show.com makes no representation or warranty that the content of this website is suitable for use in commercial situations or that it constitutes accurate data and / or advice on which business decisions can be based.
      5. Whilst every effort has been made to ensure that all descriptions of services available from Bnk Talk Show Limited / Bank Talk Show.com correspond to the actual services available, Bnk Talk Show Limited / Bank Talk Show.com is not responsible for any variations from these descriptions.

Bnk Talk Show Limited T&Cʼs for Goods & Services 

1. Application of Conditions
1.1 The Supplier shall supply and the Customer shall purchase the Goods and Services in accordance with the specification schedule (such as Website, Videos, Blogs, Article, Phone Agreement) of the accepted full paid cleared order which are subject to these Conditions.

1.2 The Contract shall be to the exclusion of any other terms and conditions subject to which any such quotation is accepted or purported to be accepted, or any such order is made or purported to be made, by the Customer.
2. Definitions and Interpretation

2.1 In these Conditions:-
"Business Day" means any day other than a Saturday, Sunday or bank holiday; "the Customer" and or “You” means the person who accepts a quotation or offer of the Supplier for the sale of the Goods and supply of the Services, or whose order for the Goods and Services is accepted by the Supplier;  The “Supplier”, or “us” and or Bank Talks Show.com means the company Bnk Talk Show Limited (The Supplier) of all the Goods and Services from the company Bnk Talk Show Limited and the company Web site.
“Commencement Date” means the commencement date for this agreement as set out in the specification schedule of the accepted paid order
"the Contract" means the contract for the purchase and sale of the Goods and supply of the Services under these conditions;
“these Conditions” means the standard terms and conditions of sale set out in this document and (unless the context otherwise requires) includes any special terms and conditions
agreed in writing between the Customer and the Supplier;
“the Delivery Date” means the date on which the Goods and Services are to be delivered as stipulated in the Customer's order and accepted by the Supplier; “the Goods” means the goods (including any installment of the goods or any parts for them) which the Supplier is to
supply in accordance with these Conditions; “month” means a calendar month;
“the Services” means the Services to be provided to the Customer as set out in the specification schedule of the full paid accepted order; “the Supplier” means Bnk Talk Show Limited, a company registered in England under 7902042;
“writing” and “communications” includes any communications effected by Web site, telex, electronic text, telephone, physical meeting, facsimile transmission, electronic mail such as email, social network or any comparable means.
2.2 Any reference in these Conditions to a statute or a provision of a statute shall be construed as a reference to that statute or provision as amended, reenacted or extended at the relevant time.

2.3 The headings in these Conditions are for convenience only and shall not affect their interpretation.
3. Basis of Sale and Service:

3.1 The Supplier's employees or agents are not authorised to make any representations concerning the Goods and Services unless confirmed by the Supplier in writing. In entering into the Contract the Customer acknowledges that it does not rely on, and waives any claim for breach of, any such representations which are not so confirmed.

3.2 No variation to these Conditions shall be binding unless agreed in writing between the authorised representatives of the Customer and the Supplier.
3.3 Sales literature, price lists and other documents issued by the Supplier in relation to the Goods and Services are subject to alteration without notice and do not constitute offers to sell the Goods which are capable of acceptance. An order placed by the Customer may not be withdrawn,  cancelled or altered prior to acceptance by the Supplier and no contract for the sale of the Goods and Services shall be binding on the Supplier unless the Supplier has issued a quotation which is expressed to be an offer to sell the goods and or services or has accepted an order placed by the Customer by whichever is the earlier of:- 1 the Supplier's written, and or telephone acceptance;

3.4 Delivery of the Goods; or
3.5 the Supplier's invoice.
3.6 Any typographical, clerical or other accidental errors or omissions in any sales literature, quotation, price list, acceptance of offer, invoice or other document or information issued by the Supplier shall be subject to correction without any liability on the part of the Supplier.

3.7  Once goods and services is delivered by the Supplier to the Customer, the Customer accepts and adheres to the Suppliers/Company full terms and conditions of the Goods and Services.
4. The Goods:
4.1 ‘No order’ submitted by the Customer shall be deemed to be accepted by the Supplier unless and until confirmed in writing, email, fax, or telephone communication by the Supplier's authorised representative.
4.2 The specification for the Goods shall be those set out in the Supplier's sales documentation unless varied expressly in the Customer's order (if accepted by the Supplier). [The Goods will only be supplied in the minimum units (or multiples) stated in the Supplier's price list or in multiples of the sales outer as specified. Orders received for quantities other than these will be adjusted accordingly, illustrations, photographs or descriptions whether in catalogues, brochures, price lists or other documents issued by the Supplier are intended as a guide only and shall not be binding on the Supplier.]
4.3 The Supplier reserves the right to make any changes (before, after and during purchase of order & contract of agreement of service and goods) in the specification of the Goods which are required to conform with any applicable safety or other statutory or regulatory requirements or, where the Goods are to be supplied to the Supplier's specification, which do not materially affect their quality or performance.  
4.4 ‘No order’ which has not been accepted by the Supplier may be cancelled by the Customer except with the agreement in writing of the Supplier on the terms that the Customer shall indemnify the Supplier in full against all loss (including loss of profit), costs (including the cost of all labour and materials used), damages, charges and expenses incurred by the Supplier as a result of cancellation.  

4.5  The Supplier at their discretion may accept and make arrangement/agreement to settle all new orders placed by Customer for goods and services with a payment plan as specified in the terms of agreement by the Supplier whether in writing or verbal.  The payment plan arrangement will be to adhere to the rules of payment plan as set out on the Suppliers website.  The Supplier may at their discretion decline such payment plan arrangement and request full payment of goods and services upfront before delivery of the goods/services. 

4.6  Any remainder payment that is not due by a specific date to the Supplier as specified by the Supplier under the payment plan agreement, will be deemed as breach of agreement.  The Supplier reserves the right to collect all debt owing from the Customer, and the Customer shall indemnify the Supplier in full against all loss (including loss of profit), costs (including the cost of all Administration, labour and materials used), damages, charges and expenses incurred by the Supplier as a result of the breach of payment plan not being settled by the Customer to the Supplier as specified in the terms of agreement by the Supplier.  The Supplier reserves the right to cancel any payment plan agreement that has been breached by Customer and remove, cancel, delete all goods and services; such cancelation of goods and services may include but not limited to all digital online product(s) and services, monthly digital/electronic membership sites; non-digital products and services; such as physical place of workshops, seminars and or meetings/consultation. Customers will not be able to re-instate the previous product/service agreement of the original goods and services initially ordered.  The Supplier may by discretion allow Customer to place ‘new’ order for goods and services under similar payment plan.  The Supplier reserves the right to decline a payment plan to the ‘returning’ Customer for any ‘new’ order placed by the Customer based on previous record of the returning Customer who may of breached previous payment plan for goods and services ordered.  The Supplier may request full payment upfront for all new orders placed by the returning Customer.  The Supplier has the right to decline Goods and Services for any new/further order from the returning customer Customer. 

4.7  Due to the nature and supply of Bank Talk Show.com products and services and way it is provided and delivered, (meaning that all goods and services are either digital online products delivered to Customer unique membership site which will be assigned to them at point of order of goods and services and registration of membership to our website; telephone consultation; email consultation; one to one meeting consultation; and or seminars and workshops delivered via ‘Webinars‘ which is a digital online service where Supplier may hold meetings and workshops but by special ‘invitation‘ only,  and or seminars/workshop event on some occasions may be held at any place of address that maybe determined at point of registration of goods and services ordered) with this in mind, you will understand, acknowledge and agree to the following terms of which Bank Talk Show.com ‘opt-out’ of the 7 days distance sales regulations. For the purpose of these terms, by ‘nature’ we refer to ‘electronic/digital’ products/services of which access information to such goods and services will emailed to Customer then registered email address and delivered and uploaded on Customer assigned membership site, which then can be download to customer personal devices, (Not physical product unless specified otherwise), and services such as ‘consultation’ which is delivered either by email, telephone, one to one meeting, group meeting or seminar, or service offered through other such electronic device such as Webinars.  Due to ‘nature’ of the products and services electronically offered, sent, and Supplied by Supplier to the Customer, the process are as follow; upon order of paid products and services, the products/goods are uploaded to Customer assigned membership site immediately upon receipt of order and payment accepted by Supplier, the fact that products and services can be ‘downloaded’ to electronic device by the Customer immediately upon receipt of the product/services; such electronic devices we make reference to maybe personal or public computers, laptops, iPads, iPods, MP3, or other electronic devices used for downloading Supplier products and services such as USB, Flash Card and or other memory stick devices etc.  Other downloadable alternative methods that can be used/copied by the Customer(s) are example of when our digital goods can be printed, or other electronic methods can be used to ‘record’ audios of the Suppliers products with a recording device either built into the Customer hardware device or external software recording systems supplied by other suppliers such as ‘Camtasia’ Screen Casting recordings for both audio and visuals or other such Audio and or Visual screen recordings software which can be installed on Customer software or hardware systems. With all of the above reasons and high possibilities of such action that can be exercised by the Customers, and the fact that these actions if exercised and taken by the customer(s) there are no steps of action or process that the Supplier can use to check or investigate (or to gain any physical evidence on Supplier systems) that any such electronic/digital devices were used by the Customer to download, record and or print the Suppliers products/materials, therefore, due to lack of resources available to the Supplier who will not be able to prove such deceptive act was/is committed by customer, and if such Customer was allowed refund, this will mean that the customer can and will get away with keeping all of the Suppliers Goods and Services (which Customer  downloaded, recorded and or printed) without payment to the Supplier for their Goods and Services.  Due to the possible circumstances that has high probability of arising, (as these recording and downloading services are readily available to the mass and easily accessible) this deems to be unfair under the unfair trading Act, in light of these definition and the fact that these action can be of definite circumstance, Bank Talk Show.com are granted to exercise and apply the same ‘Exemption’ of the Opt-Out rule from the 7 Days Distance Sales Act as has been granted to the ‘Travel Insurance’ Company, and iTunes company for ‘digital’ sales and service of their products and services that are not ‘tangible’ hard copy of company products, and the fact that these are the very product that are vulnerable to fraud the Supplier, Bank Talk Show.com Opt-out of the 7 Days Distance Sales Act.  With these reasons taken into consideration and the fact that full explanation of our company products and services are electronically provided via our Web site brochure such as free Web site videos and Web site content and Web site text explanations of our products and services, along with offer of further services such as telephone and or email communications/consultations with our company (our company agent), You (the customer) agree and acknowledge that You Opt-Out of the 7 Days Distance Sales terms and conditions and no refunds or cancelation of all ‘delivered’ and paid for goods and services will be offered or given.  Since our paid products and services are already largely discounted, there will be no option or room for negotiation in regards to further price decrease of special price offer negotiation unless the Supplier; Bank Talk Show.com decide to offer such further discounts on certain promotional offers that may include further discounts to our Goods and Services from time to time. 

5. The Services
5.1 With effect from the Commencement Date the Supplier shall, in consideration of the Fees being paid in accordance with the Terms of Payment will provide the services expressly identified in the specification schedule/accepted order otherwise agreed under this agreement.
5.2 The Supplier will use reasonable care and skill to perform the services identified in the specification schedule/accepted order or otherwise agreed under this agreement.
5.3 The Supplier shall use all reasonable endeavors to complete its obligations under the Schedule, but time will not be of the essence in the performance of these obligations.
6. Price
6.1 The price of the Goods and Services shall be the price listed in specification schedule of the accepted order, current at the date of acceptance of the Customer's order or such other price as may be agreed in writing by the Supplier and the Customer.
6.2 Where the Supplier has quoted a price for the Goods/Service other than in accordance with the Supplier's published price list the price quoted shall be valid for 1 day only or such lesser time as the Supplier may specify.
6.3 The Supplier reserves the right, by giving notice to the Customer at any time before delivery, to increase the price of the Goods and Services to reflect any increase in the cost to the Supplier which is due to any factor beyond the control of the Supplier (such as, without limitation, any foreign exchange fluctuation currency regulation, alteration of duties, significant increase in the
costs of labour, materials or third party cost increase and or other costs of manufacture), any change in delivery dates, quantities or specifications for the Goods and services which are requested by the Customer, or any delay caused by any instructions of the Customer or failure of the Customer to give the Supplier adequate information or instructions.
6.4 Except as otherwise stated under the terms of any quotation/specification schedule/accepted order agreement, or in any price list of the Supplier, and unless otherwise agreed in writing between the Customer and the Supplier, all prices are inclusive of the Supplier's charges for packaging and electronic transport of the order, but all price quotation of company goods and services is exclusive of any physical transportation of products such as any physical products and services requiring posting of the delivery of the product, and or services requiring physical meeting may include a one to one or group consultation or group seminar as specified in the specification schedule/accepted order.
6.5 The price is exclusive of any applicable value added tax excise, sales or taxes or levies of a similar nature which are imposed or charged by any competent fiscal authority in respect of the Goods and Services, which the Customer shall be additionally liable to pay to the Supplier.
7. Payment
7.1 All payments required to be made pursuant to this Agreement by either party shall be made within 1 day of the date of the relevant invoice or as per specification schedule, without any set-off, withholding or deduction except such amount (if any) of tax as that party is required to deduct or withhold by law.
7.2 The time of payment shall be of the essence of these terms and conditions. If the Customer fails to make any payment on the due date in respect of the price or any other sum due under these terms and conditions then the Supplier shall, without prejudice to any right which the Supplier may have pursuant to any statutory provision in force from time to time, have the right to
charge the Customer interest on a daily basis at an annual rate equal to the aggregate of 4% per cent and the base rate of 0.5% from time to time on any sum due and not paid on the due date. Such interest shall be calculated cumulatively on a daily basis and shall run from day to day and accrue after as well as before any judgement.
7.3 All payments shall be made to the Supplier as indicated on the form of acceptance or invoice issued by the Supplier.
7.4 All Payments made by customer for any or all Goods and Services agreed and delivered by Supplier is non-refundable.
8. Delivery and Performance

8.1 Delivery of the Goods/Services shall be made by the Supplier delivering the Goods/ Service via electronic means either via telephone, email, social network, or uploading of products to Customer assigned membership site, or electronic services such as consultation provided via telephone, email, social networks, or actual physical meeting to provide a one to one or group consultation, including seminars etc to the  place in the United Kingdom specified in the specification schedule.
8.2 The Delivery Date is approximate only and time for delivery shall not be of the essence unless previously agreed by the Supplier in writing. The Goods may be delivered by the Supplier in advance of the Delivery Date upon giving reasonable notice to the Customer.
8.3 If the Customer fails to take delivery of the Goods/Services or any part of them on the Delivery Date and/or fails to provide any instructions, documents, licences, consents or authorisations required to enable the Goods to be delivered on that date, the Supplier shall be entitled upon given written notice to the Customer to store or arrange for the storage of the Goods and then
notwithstanding the provision of Condition 10.1 of these Conditions risk in the
Goods shall pass to the Customer, delivery shall be deemed to have taken place and the Customer shall pay to the Supplier all costs and expenses including storage and insurance charges arising from such failure.
8.4 With effect from the Commencement Date the Supplier shall, in consideration of the amount(s) being paid in accordance with the specification schedule, provide the services expressly identified in the specification schedule or otherwise agreed under this agreement.
9. Non-Delivery of Goods and Services:
9.1 If the Supplier fails to deliver the Goods or Services and any of them on the Delivery Date other than for reasons outside the Supplier's reasonable control or the Customer's or its carrier's fault:-
1 if the Supplier delivers the Goods and Services at any time thereafter the Supplier shall have no liability in respect of such late delivery;
10. Risk and Retention of Title:
10.1 Risk of damage to or loss of the Goods shall pass to the Customer at:
1 in the case of Goods to be delivered at the Supplier's premises, the time when the Supplier notifies the Customer that the Goods are available for collection;
2 in the case of physical Goods to be delivered otherwise than at the Supplier's premises, the time of delivery or, if the Customer wrongfully fails to take delivery of the Goods, the time when the Supplier has tendered delivery of the Goods; or

3 in the case of goods being installed by the Supplier, the time that the Supplier notifies the Customer that the installation is complete.
10.2 Notwithstanding delivery and the passing of risk in the Goods, or any other provision of these Conditions, legal and beneficial title of the Goods shall not pass to the Customer until the Supplier has received in cash or cleared funds payment in full of the price of the Goods.
10.3 [Sub-clause 10.2 notwithstanding, legal and beneficial title of the Goods shall not pass to the Customer until the Supplier has received in cash or cleared funds payment in full of the price of the Goods and any other goods supplied by the Supplier and the Customer has repaid all moneys owed to the Supplier, regardless of how such indebtedness arose.]
10.4 Until payment has been made to the Supplier in accordance with these Conditions and title in the Goods has passed to the Customer, the Customer shall be in possession of the Goods as bailee for the Supplier and the Customer shall store the Goods separately and in an appropriate environment, shall ensure that they are identifiable as being supplied by the Supplier and shall insure the Goods against all reasonable risks.
10.5 The Customer shall not be entitled to pledge or in any way charge by way of security for any indebtedness any of the goods which remain the property of the Supplier, but if the Customer does so all money owing by the Customer to the Supplier shall (without prejudice to any other right or remedy of the Supplier) forthwith become due and payable.
10.6 The Supplier reserves the right to repossess any Goods/Services in which the Supplier
retains title without notice. In the event of repossession the Customer shall deliver up to the Supplier all Goods in which title has not passed, the cost of which shall be born by the Customer.
10.7 The Customerʼs right to possession of the Goods in which the Supplier maintains legal and beneficial title shall terminate if;
1 The Customer commits or permits any material breach of his
obligations under these Conditions;
2 The Customer is or becomes the subject of a bankruptcy order or takes advantage of any other statutory provision for the relief of insolvent debtors.
11. Assignment
11.1 The Supplier may assign the Contract or any part of it to any person, firm or company.
11.2 The Customer shall not be entitled to assign the Contract or any part of it without the prior written consent of the Supplier.
12. Defective Goods
12.1 If on delivery any of the Goods are defective in any material respect and either the Customer lawfully refuses delivery of the defective Goods or, if they are
signed for on delivery "condition and contents unknown" the Customer gives written notice of such defect to the Supplier within three business days of such delivery, the Supplier shall at its option:-
1 replace the defective Goods within 14 days of receiving the Customer's notice; or
2 refund to the Customer the price for the goods which are defective; but the Supplier shall have no further liability to the Customer in respect thereof and the Customer may not reject the Goods if delivery is not refused before or date of receipt of delivery or notice give by the Customer as aforesaid.
12.2 No Goods may be returned to the Supplier without the prior agreement in writing of the Supplier. Subject thereto any Goods returned which the Supplier is satisfied were supplied subject to defects of quality or condition which would not be apparent on inspection shall either be replaced free of charge or, at the Supplier's sole discretion the Supplier shall refund or credit to the Customer the price of such defective Goods but the Supplier shall have no further liability
to the Customer.
12.3 The Supplier shall be under no liability in respect of any defect arising from fair wear and tear, or any wilful damage, negligence, subjection to normal conditions, failure to follow the Supplier's instructions (whether oral or in writing), misuse or alteration of the Goods without the Supplier's approval, or any other act or omission on the part of the Customer, its employees or agents
or any third party.
12.4 Goods, other than defective Goods returned under Conditions 12.1 or 12.2, returned by the Customer and accepted by the Supplier may be credited to the Customer at the Supplier's sole discretion and without any obligation on the part of the Supplier.
12.5 Subject as expressly provided in these Conditions, and except where the Goods are sold under a consumer sale, all warranties, conditions or other terms implied by statute or common law are excluded to the fullest extent permitted by law.
12.6 The Customer shall be responsible to ensure that, except to the extent that instructions as to the use or sale of the Goods are contained in the packaging or labelling of the Goods, any use or sale of the Goods by the Customer is in compliance with all applicable statutory handling and sale of the Goods by the Customer is carried out in accordance with directions given by the Supplier or
any competent governmental or regulatory authority and the Customer will indemnify the Supplier against any liability loss or damage which the Supplier might suffer as a result of the Customer's failure to comply with this condition.
13. Right to Return Faulty Goods
13.1 If the Customer receives faulty/damaged Goods purchased from the Seller, the Customer may return the Goods to the Seller and obtain an exchange of the identical or similar Goods, provided:-
1 The Customer informs the Seller of the decision to return and exchange the faulty good within 3 Calendar Days of delivery of the Goods; and
2 The Goods are returned in their original condition; and
3 [The Goods are returned in accordance with condition 13.3 below.]
13.2 While the Goods remain in the Sellerʼs possession the Seller is under a duty to ensure that the Goods are kept safe and secure.
13.3 Where the Goods are custom made to the order of the Buyer, the Buyer shall not be entitled to return the Goods unless the Goods are faulty. The statutory rights of the Buyer are unaffected.
14. Customer's Default:
14.1 If the Customer fails to make any payment on the due date then, without prejudice to any other right or remedy available to the Supplier, the Supplier shall be entitled to:-
1 cancel the order or suspend any further deliveries of Goods and
Services to the Customer;
2 appropriate any payment made by the Customer to such of the Goods and Services (or the goods and services supplied under any other contract between the Customer and the Supplier) as the Supplier may think fit (notwithstanding any purported appropriation by the Customer); and
14.2 This condition applies if:-
1 the Customer fails to perform or observe any of its obligations hereunder or is otherwise in breach of the Contract; or
2 the Customer becomes subject to an administration order or makes any voluntary arrangement with its creditors (within the meaning of the Insolvency Act 1986) or (being an individual or firm) becomes bankrupt or (being a company) goes into liquidation; or
3 an encumbrancer takes possession, or a receiver is appointed, of any of the property or assets of the Customer; or
4 the Customer ceases, or threatens to cease, to carry on business; or
5 the Supplier reasonably apprehends that any of the events mentioned
above is about to occur in relation to the Customer and notifies the Customer accordingly.
14.3 If this Condition applies then, without prejudice to any other right or remedy available to the Supplier, the Supplier shall be entitled to cancel the Contract or suspend any further deliveries under the Contract without any liability to the Customer, and if the Goods have been delivered but not paid for the price shall become immediately due and payable notwithstanding any previous agreement or arrangement to the contrary.
15. Liability
15.1 If the Supplier fails to perform the service with care and skill it will carry out remedial action at no extra cost to the Customer. If no remedial action is possible the Supplier will pay for the damage caused.
15.2 The Customer shall indemnify the Supplier against all damages, costs, claims and expenses suffered by the Supplier arising from loss or damage to any equipment (including that of third parties) caused by the Client, or its agent or employees.
15.3 Where the Customer consists of two or more persons such expression throughout shall mean and include such two or more persons and each or any of them. All obligations on the part of such a Customer shall be joint and several obligations of such persons.
16. Communications
16.1 All communications between the parties about the Contract shall be in either writing, electronic communication such as telephone, text, email, social network site, company Web site forum and or delivered by hand or sent by pre-paid first class post or sent by fax or sent
by electronic mail (email) and other electronic methods such as upload of contract to Customer assigned membership site:
1 (in the case of communications to the Supplier) to its registered office or such changed address as shall be notified to the Customer by the Supplier; or

2 (in the case of the communications to the Customer) to the registered office of the addressee (if it is a company) or (in any other case) to any address of the Customer set out in any document which forms part of the Contract or such other address as shall be notified to the Supplier by the Customer.

16.2 Communications shall be deemed to have been received:
1 if sent by pre-paid first class post, two Business Days after posting (exclusive of the day of posting); or
2 if delivered by hand, on the day of delivery; or
3 if sent by fax or electronic mail on a Business Day prior to 4.00 pm, at the time of transmission and otherwise on the next Business Day.  If communicated by telephone or company Website forum, and or other social network site.
16.3 Communications addressed to the Supplier shall be marked for the attention of Bnk Talk Show Limited, or Bank Talk Show.com
17. Force Majeure:
17.1 In the event that either party is prevented from fulfilling its obligations under this Agreement by reason of any supervening event beyond its control including but not limited to war, national emergency, flood, earthquake, strike or lockout (subject to Sub-clause 17.2) the party shall not be deemed to be in breach of its obligations under this Agreement. The party shall immediately give notice of this to the other party and must take all reasonable steps to resume performance of its obligations.
17.2 Sub-clause 17.1 shall not apply with respect to strikes and lockouts where such action has been induced by the party so incapacitated.
17.3 Each party shall be liable to pay to the other damages for any breach of this Agreement and all expenses and costs incurred by that party in enforcing its rights under this Agreement.
17.4 If and when the period of such incapacity exceeds 2 months then this Agreement shall automatically terminate unless the parties first agree otherwise in writing, electronic communication such as fax, email, social network site, company Web site forum and or verbal communication agreement via telephone.
18. Waiver:
No waiver by the Supplier of any breach of the Contract by the Customer shall be consideredas a waiver of any subsequent breach of the same or any other provision.
19. Severance:
If any provision of these Conditions is held by any competent authority to be invalid or unenforceable in whole or in part the validity of the other provisions of these Conditions and the remainder of the provision in question shall not be affected thereby.
20. Third Party Rights:
A person who is not a party to the Contract shall have no rights under the Contract pursuant to the Contracts (Rights of Third Parties) Act 1999.

21. Governing Law and Jurisdiction
These terms and conditions shall be governed by the laws of England and Wales and the parties agree to submit to the exclusive jurisdiction of the English and Welsh courts.

Bnk Talk Show Website T&Cʼs 

This agreement applies as between You, the User of this Web Site and Bnk Talks Show Limited, the owner(s) of this Web Site. Your agreement to comply with and be bound by these terms and conditions is deemed to occur upon your first use of the Web Site. If you do not agree to be bound by these terms and conditions, you should stop using the Web Site immediately.

1. Definitions and Interpretation:
In this Agreement the following terms shall have the following meanings: “Content” means any text, graphics, images, audio, video, software, data compilations and any other form of
information capable of being stored in a computer, transfer to an electronic device, or printed off on paper that appears on or forms part of this Web Site;“Learning Establishment” means any provider of education to persons of any age
including, but not limited to, schools, colleges, universities and professional / adult education providers;
“Bank Talk Show.com” Means Bnk Talk Show Limited. 88-90 Hatton Garden, Unit 36, Hatton Garden, London, EC1N 8PN
“Service” means collectively any online facilities, tools, services or information that Bnk Talk Show Limited makes available through the Web Site either now or in the future;
“System” means any online communications infrastructure that Bnk Talk Show Limited makes available through the Web Site either now or in the future. This includes, but is not limited to, web-based email, message boards, live chat facilities and email links;
“User” / “Users” means any third party that accesses the Web Site and is not employed by Bnk Talk Show Limited and acting in the course of their employment; and “Web Site” means the website that you are currently using  www.banktalkshow.com  and any sub-domains of this site (subdomain.  www.benedix.co.uk  www.bankingandfinanceprogram.com;www.whichfinancejob.com; wwwstudenttoceo.co.uk  www.studenttoceo.com  www.climbing-to-the-top.com  www.freelancemasterclass.com  www.platinumpluspartners.com www.professionaltraderprogram.com) unless expressly excluded by their own terms and conditions.
2. Intellectual Property
1 Subject to the exceptions in Clause 3 of these Terms and Conditions, all Content included on the Web Site, unless uploaded by Users, including, but not limited to, text, graphics, logos, icons, images, sound clips, video clips, data compilations, page layout, underlying code and software is the property of Bnk Talk Show Limited, or our affiliates. By continuing to use the Web Site you acknowledge that such material is protected by applicable United Kingdom and International intellectual property and other laws.
2. For your personal training and use of material/content of the training program that you maybe assigned to, you may print, store or in any other fashion re-use Content from the Web Site for as specified in Clause 4 of these Terms and Conditions and for personal or educational purposes only unless otherwise indicated on the Web Site or unless given express written permission to do so by Bnk Talk Show Limited. Specifically you agree that:
You will not use the Content of the Web Site for commercial purposes; Or to creating your own product/services and or company using our company Web Site Content, including all our company intellectual property product training material and content.
a) You will not systematically copy exact model of our company Web site content, services and paid products and services, or create similar likeliness of our company Web site Content and services from the Web Site and all our paid product training materials and services with a view to creating your own product(s) services and or company and or commercial purpose with creating or compiling any form of comprehensive collection, compilation, commercial/public reproduction, directory or database unless given express written permission to do so by Bnk Talk Show Limited;
3. You may, as a student of a recognised Learning Establishment, use the Content of the Web Site for educational purposes only, provided an appropriate reference is given for all our Content so applied using a suitable referencing system of your choice or as stipulated by your Learning Establishment;
4 Employees of Learning Establishments may use the Content of the Website for teaching purposes subject to the following conditions:

a) Written consent is required for use in not-for-profit Learning Establishments. This may include, but is not limited to, schools that charge no fees for tuition; and
b) For use in profit-making Learning Establishments, prior written consent is required. This may include, but is not limited to, private schools charging fees, universities and adult education providers.

3. Third Party Intellectual Property:
Where expressly indicated, certain Content and the Intellectual Property Rights subsisting therein belongs to other parties. This Content, unless expressly stated to be so, is not covered by any permission granted by Clause 2 of these Terms and Conditions to use Content from the Web Site. The exceptions in Clause 4 continue to apply. Any such Content will be accompanied by a notice providing the contact details of the owner and any separate use policy that may be relevant.
4. Fair Use of Intellectual Property:

Materials/Content from the Web Site shall not be re-used without written permission where any of the exceptions detailed in Chapter III of the Copyright Designs and Patents Act 1988 apply.
5. Links to Other Web Sites:
This Web Site may contain links to other sites. Unless expressly stated, these sites are not under the control of Bnk Talk Show Limited or that of our affiliates. We assume no responsibility for the content of such web sites and disclaim liability for any and all forms of loss or damage arising out of the use of them. The inclusion of a link to another site on this Web Site does not imply any endorsement of the sites themselves or of those in control of them

6. Links to this Web Site:

Those wishing to place a link to this Web Site on other sites may do so only to the home page of the site www.banktalkshow.com  without prior permission. Deep linking (i.e. links to specific pages within the site) requires the express permission of Bnk Talk Show Limited. To find out more please contact us by email at info@banktalkshow.com or write to - Bank Talk Show.com, 88-90 Hatton Garden, Unite 36, Hatton Garden, London EC1N 8PN.

1. Use of Communications Facilities
   1 When using the Forums, Chats, Blogs, and similar, or any other System on the Web Site you should do so in accordance with the following rules:
   1 You must not use obscene or vulgar language;
   2 You must not submit Content that is unlawful or other wise objectionable. This includes, but is not limited to, Content that is abusive, threatening, harassing, defamatory, ageist, sexist or racist;
   3 No Content that is intended to promote or incite violence;
   4 It is advised that posts on Forums, Chats and Blogs or similar communications with Bank Talk Show.com are made using the English language as we may be unable to respond to enquiries submitted in any other languages;
   5 You must not post links to other web sites containing any of the above types of Content;
   6 The means by which you identify yourself must not violate these terms of use or any applicable laws;
   7 You must not engage in any form of commercial advertising. This does not prohibit references to businesses for non-promotional purposes including references where advertising may be incidental;
   8 You must not impersonate other people, particularly employees and representatives of Bank Talk Show.com or our affiliates; and
   9 You must not use our System for unauthorised mass-communication such as “spam” or “junk mail”.
   2 You acknowledge that Bank Talks Show.com reserves the right to monitor any and all communications made to us or using our System, and or other external communications systems such as external Media, Blog, Forums, Chats etc.
   3 In order to use the Forums, Chats, and Blogs or similar and any other communication facility that may be added in the future on this Web Site, you are required to submit certain personal details. By continuing to use this Web Site you represent and warrant that:
   1 Any information you submit is accurate and truthful; and
   2 You will keep this information accurate and up-to-date.
   8. Privacy
   Use of the Web Site is also governed by our www.banktalkshow.com which is incorporated into these terms and conditions by this reference. To view the PrivacyPolicy, please click on the link above
2. Other Communications:
3. All correspondents regarding inquiries and or complaints, tickets must be raised/sent to our Support Centre on www.benedix.co.uk/support  All tickets regarding inquiries or complaints must be made directly by the enquirer, third party enquiry may also be made on behalf of the original enquirer but must still follow the process of raising a ticket to Support Centre at www.benedix.co.uk/support  If you do NOT have access to the internet and your enquiries is NOT of urgent matter and does not require immediate response from us such as reply to be by us by a certain deadline date, then alternatively you may write into our registered office at Bank Talk Show.com, 88-90 Hatton Garden, Unit 36, Hatton Garden, London, EC1N 8PN.  However, if your enquiry and or complaint is of urgent matter, such as matters regarding urgent legal nature which requires immediate/quick response and you don NOT have access to internet, then please mail/post all correspondents to our direct correspondent address.  Due to the nature of our business being ‘virtual’ and all our services and products provided online, we cannot confirm a direct correspondent address in advance for definite as this will depend on the current location of our team and availability at the time to accept and collect any / all correspondent on behalf of the company, therefore we request that you contact our main office on 01236 868 483 to retrieve the full address of our company correspondent address for urgent matters only.  If communication is made approached differently other than the link provided above, contact number provided and the registered office address confirmed for communication/correspondent regarding urgent matter, reply and or resolution of your request will not be acknowledged or action taken.  If correct communication process is not followed as stated in these terms, please expect either severe delay to your inquiries / complaints, or expect your inquiries / complaints NOT being resolved at all if correspondent is sent to unconfirmed address outside of these terms other than the web address and registered address confirmed above.
4. Disclaimers
   1 Bnk Talks Show Limited, a company registered in England under company number 7902042; makes no warranty or representation that the Web Site and our paid training products will meet your requirements, that it will be of satisfactory quality, that it will be fit for a particular purpose, that it will not infringe the rights of third parties, that it will be compatible with all systems, or that it will be secure.
   2 Whilst every reasonable endeavour has been made to ensure that all information provided on this Web Site/and your paid training program, will be accurate. and up to date, Bnk Talk Show Limited makes no warranty or representation that this is the case. We make no guarantee of any specific results from the use of our services.
   3 No part of this Web Site/and or any/all paid training products is intended to constitute advice and the Content of this Web Site/paid training products should not be relied upon when making any decisions or taking any action of any kind.  Since we provide digital online training products (paid version of our training program), You, accept, understand and acknowledge that we offer and provide option for our Web site members - ‘free’ Web content such as videos and text information before our online paid training products are purchased by You.  You understand that once you opt to purchase our paid training products/services where Bank Talk Show.com deliver’s the product instantly/immediately upon received payment, to an individual assigned membership site under your personal details where product/training material is instantly uploaded to your membership site immediately after purchase of our paid training products, with this in mind - You agree that once you ‘register’ on our Web site and access our ‘free’ training videos, Web site content materials such as e-news, Blog post and all text training material on our Web site, including sign up to our regular e-news letters that you register to receive via your email address, You acknowledge and accept that you opt-out of the 7 days distance sales refund policy before purchase of any paid training products, this rule and term apply immediately upon your registration on our Web site, including registration to receive our E-newsletters.  Once you have purchased the Bank Talk Show.com paid training products/services, there will be no refund option available unless the product is damaged/broken.  Bank Talk Show.com accepts no responsibility and makes no warranties of external systems that may be damaged or broken which maybe result in not being able to use our Web site services and or our paid products/services, this may include individual member(s) electronic items such as PC, Laptops, Smartphones etc.  We accept no responsibility or make any warranties for any/all weak system(s), broken or damaged individual system connections to stream our Web site services and or our paid product/services, example of such system connections may include energy power supply, mobile phone network connections, telephone connections, internet connections etc. 

4 The information on this Web Site is not designed with commercial purposes in mind for you to use and or distribute by either yourself or third party. Commercial use of the Content of this Web Site is forbidden under Clause 2.2.1 of these Terms and Conditions. Any such use constitutes a breach of these Terms and Conditions and Bank Talk Show.com makes no representation or warranty that this Content is suitable for use in commercial situations or that it constitutes accurate data and / or advice on which business decisions can be based.

 

5 Whilst every effort has been made to ensure that all descriptions of services available from Bank Talk Show.com correspond to the actual services available, Bank Talk Show.com is not responsible for any variations from these descriptions.  Bank Talk Show.com reserves the right to change, amend any or all services/products without prior written notice to the users of the Web site and paid product/services membership site.

10. Availability of the Web Site:
The Service is provided “as is” and on an “as available” basis. We give no warranty that the Service will be free of defects and / or faults. To the maximum extent permitted by the law we provide no warranties (express or implied) of fitness for a particular purpose, accuracy of information, compatibility and satisfactory quality. Bank Talk Show.com accepts no liability for any disruption or non-availability of the Web Site resulting from external causes including, but not limited to, ISP equipment failure, host equipment failure, communications network failure, power failure, natural events, acts of war or legal restrictions and censorship. No Refunds are available for any/all paid training programs purchased due to the fact that many hours of ‘free’ uploads/access to our videos, text content, offer of free downloads of certain training CV templates, plus product text descriptions of each training product, and availability/offer of free telephone consultation support ‘option’ is made available to all viewers/users of the website before purchase of our paid products/services.
11. Limitation of Liability
1 To the maximum extent permitted by law, Bank Talk Show Limited accepts no liability for any direct or indirect loss or damage, foreseeable or otherwise, including any indirect, consequential, special or exemplary damages arising from the use of the Web Site or any information contained therein. Users should be aware that they use the Web Site and its Content at their own risk.
2 Nothing in these terms and conditions excludes or restricts Bank Talk Show.com liability for death or personal injury resulting from any negligence or fraud on the part of Bank Talk Show.com.
3 Whilst every effort has been made to ensure that these terms and conditions adhere strictly with the relevant provisions of the Unfair Contract Terms Act 1977, in the event that any of these terms are found to be unlawful, invalid or otherwise unenforceable, that term is to be deemed severed from these terms and conditions and shall not affect the validity and enforceability of the remaining terms and conditions. This term shall apply only within jurisdictions where a particular term is illegal.

12. Law and Jurisdiction
These terms and conditions and the relationship between you and Bnk Talk Show Limited, a company registered in England under company number 7902042; shall be governed by and construed in accordance with the Law of England and Wales and Bnk Talk Show Limited and you agree to submit to the exclusive jurisdiction of the Courts of England and Wales.

To contact a memer of customer service please submit a ticket here

SALE OF GOODS website disclaimer 

1.  
   1.  
      1. Bnk Talk Show Limited / Bank Talk Show.com makes no warranty or representation that this website will meet your requirements, that it will be of satisfactory quality, that it will be fit for a particular purpose, that it will not infringe the rights of third parties, that it will be compatible with all computer systems, that it will be secure and that all information provided will be accurate. Bnk Talk Show Limited / Bank Talk Show.com make no guarantee of any specific results from the use of this website.
      2. No part of this website is intended to constitute advice and the content of this website should not be relied upon when making any decisions or taking any action of any kind.
      3. No part of this website is intended to constitute a contractual offer capable of acceptance.

 

Bnk Talk Show Limited

Data Protection Policy 2012

1. Introduction

This document sets out the obligations of Bnk Talk Show Limited (“the Company”) with

regard to data protection and the rights of people with whom it works in respect of their

personal data under the Data Protection Act 1998 (“the Act”).

This Policy shall set out procedures which are to be followed when dealing with personal

data. The procedures set out herein must be followed by the Company, its employees,

contractors, agents, consultants, partners or other parties working on behalf of the Company.

The Company views the correct and lawful handling of personal data as key to its success

and dealings with third parties. The Company shall ensure that it handles all personal data

correctly and lawfully.

2. The Data Protection Principles

This Policy aims to ensure compliance with the Act. The Act sets out eight principles with

which any party handling personal data must comply. All personal data:

1 Must be processed fairly and lawfully (and shall not be processed unless certain

conditions are met);

2 Must be obtained only for specified and lawful purposes and shall not be processed in

any manner which is incompatible with those purposes;

3 Must be adequate, relevant and not excessive with respect to the purposes for which

it is processed;

4 Must be accurate and, where appropriate, kept up-to-date;

5 Must be kept for no longer than is necessary in light of the purpose(s) for which it is

processed;

6 Must be processed in accordance with the rights of data subjects under the Act;

7 Must be protected against unauthorised or unlawful processing, accidental loss,

destruction or damage through appropriate technical and organisational measures;

and

8 Must not be transferred to a country or territory outside of the European Economic

Area unless that country or territory ensures an adequate level of protection for the

rights and freedoms of data subjects in relation to the processing of personal data.

3. Rights of Data Subjects

Under the Act, data subjects have the following rights:

© Bnk Talk Show Limited DAT.01W Data Protection Policy Page 1 of 6

oThe right to be informed that their personal data is being processed;

oThe right to access any of their personal data held by the Company within 40 days

of making a request;

oThe right to prevent the processing of their personal data in limited circumstances;

and

oThe right to rectify, block, erase or destroy ‘incorrect’ personal data.

4. Personal Data

Personal data is defined by the Act as data which relates to a living individual who can be

identified from that data or from that data and other information which is in the possession of,

or is likely to come into the possession of, the data controller, and includes any expression of

opinion about the individual and any indication of the intentions of the data controller or any

other person in respect of the individual.

The Act also defines “sensitive personal data” as personal data relating to the racial or ethnic

origin of the data subject; their political opinions; their religious (or similar) beliefs; trade

union membership; their physical or mental health condition; their sexual life; the commission

or alleged commission by them of any offence; or any proceedings for any offence committed

or alleged to have been committed by them, the disposal of such proceedings or the

sentence of any court in such proceedings.

The Company only holds personal data which is directly relevant to its dealings with a given

data subject. That data will be held and processed in accordance with the data protection

principles and with this Policy. The following data may be collected, held and processed by

the Company from time to time:

oFull Name;

oDate of Birth / Place of Birth;

oCurrent Residential Address;

oContact Telephone / Mobile Numbers;

oPersonal Email Address;

- Social Media personal details 

oUniversity or College Email Address

oEducation Status;

oAddress of Educational Premisses;

oQualification(s) & Results Achieved;

oEmployment Status;

oWork Address;

oWork Telephone / Mobile Numbers;

oWork Email Address;

oPayment Data Such As Debit / Credit Card Details (Name On Card As It Appears On

Card; Card Number; Start Date; Expiry Date; Payment Authorisation / Security

Number; Swift Code If and Where Applicable;)

oBank Sort Code / Account Number; Bank Swift Code & IBAN Number;

oPayPal and or other Payment System Account Details, Such As Full Name & Email

Address As Registered On PayPal Account;

© Bnk Talk Show Limited DAT.01W Data Protection Policy Page 2 of 6

oCredit Check Authorisation For Payment Plan Agreement.

5. Processing Personal Data

Any and all personal data collected by the Company (including that detailed in Section 4 of

this Policy) is collected in order to ensure that the Company can facilitate efficient

transactions with third parties including, but not limited to, its customers, partners, associates

and affiliates and efficiently manage its employees, contractors, agents and consultants.

Personal data shall also be used by the Company in meeting any and all relevant obligations

imposed by law.

Personal data may be disclosed within the Company. Personal data may be passed from

one department to another in accordance with the data protection principles and this Policy.

Under no circumstances will personal data be passed to any department or any individual

within the Company that does not reasonably require access to that personal data with

respect to the purpose(s) for which it was collected and is being processed.

The Company shall ensure that:

oAll personal data collected and processed for and on behalf of the Company by any

party is collected and processed fairly and lawfully;

oData subjects are made fully aware of the reasons for the collection of personal data

and are given details of the purpose for which the data will be used;

oPersonal data is only collected to the extent that is necessary to fulfil the stated

purpose(s);

oAll personal data is accurate at the time of collection and kept accurate and up-todate

while it is being held and / or processed;

oNo personal data is held for any longer than necessary in light of the stated

purpose(s), such length of time may include payment plan and or company

monthly membership program, in which case the payment information will be

required to be kept on record for automatic payments for the period that you are

assigned to the program.

oAll personal data is held in a safe and secure manner, taking all appropriate

technical and organisational measures to protect the data;

oAll personal data is transferred using secure means, electronically or otherwise;

oNo personal data is transferred outside of the UK or EEA (as appropriate) without

first ensuring that appropriate safeguards are in place in the destination country

or territory; and

oAll data subjects can exercise their rights set out above in Section 3 and more fully

in the Act.

6. Data Protection Procedures

The Company shall ensure that all of its employees, contractors, agents, consultants,

partners or other parties working on behalf of the Company comply with the following when

processing and / or transmitting personal data:

oAll emails containing personal data must be encrypted;

oPersonal data may be transmitted over secure networks only – transmission over

© Bnk Talk Show Limited DAT.01W Data Protection Policy Page 3 of 6

unsecured networks is not permitted in any circumstances;

oPersonal data may not be transmitted over a wireless network if there is a wired

alternative that is reasonably practicable;

oPersonal data contained in the body of an email, whether sent or received, should

be copied from the body of that email and stored securely. The email itself

should be deleted. All temporary files associated therewith should also be

deleted;

oWhere Personal data is to be sent by facsimile transmission the recipient should be

informed in advance by either telephone or email notification (with time and date

provided) of the transmission and should be waiting by the fax machine to

receive the data;

oWhere Personal data is to be transferred in hardcopy form it should be passed

directly to the recipient. Using an intermediary is not permitted;

oAll hardcopies of personal data should be stored securely in a locked box, drawer,

cabinet or similar;

oAll electronic copies of personal data should be stored securely using passwords

and suitable data encryption, where possible on a drive or server which cannot

be accessed via the internet; and

oAll passwords used to protect personal data should be changed regularly and

should not use words or phrases which can be easily guessed or otherwise

compromised.

7. Organisational Measures

The Company shall ensure that the following measures are taken with respect to the

collection, holding and processing of personal data:

oA designated officer (“the Designated Officer”) within the Company shall be

appointed with the specific responsibility of overseeing data protection and

ensuring compliance with the Act.

oAll employees, contractors, agents, consultants, partners or other parties working on

behalf of the Company are made fully aware of both their individual

responsibilities and the Company’s responsibilities under the Act and shall be

furnished with a copy of this Policy.

oAll employees, contractors, agents, consultants, partners or other parties working on

behalf of the Company handling personal data will be appropriately trained to do

so.

oAll employees, contractors, agents, consultants, partners or other parties working on

behalf of the Company handling personal data will be appropriately supervised.

oMethods of collecting, holding and processing personal data shall be regularly

evaluated and reviewed.

oThe Performance of those employees, contractors, agents, consultants, partners or

other parties working on behalf of the Company handling personal data shall be

regularly evaluated and reviewed.

oAll employees, contractors, agents, consultants, partners or other parties working on

behalf of the Company handling personal data will be bound to do so in

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accordance with the principles of the Act and this Policy by contract. Failure by

any employee to comply with the principles or this Policy shall constitute a

disciplinary offence. Failure by any contractor, agent, consultant, partner or other

party to comply with the principles or this Policy shall constitute a breach of

contract. In all cases, failure to comply with the principles or this Policy may also

constitute a criminal offence under the Act.

oAll contractors, agents, consultants, partners or other parties working on behalf of

the Company handling personal data must ensure that any and all of their

employees who are involved in the processing of personal data are held to the

same conditions as those relevant employees of the Company arising out of this

Policy and the Act.

oWhere any contractor, agent, consultant, partner or other party working on behalf of

the Company handling personal data fails in their obligations under this Policy

that party shall indemnify and hold harmless the Company against any costs,

liability, damages, loss, claims or proceedings which may arise out of that failure.

8. Access by Data Subjects

A data subject may make a subject access request (“SAR”) at any time to see the information

which the Company holds about them.

oSARs must be made in writing, accompanied by the correct fee.

oThe Company currently requires a fee of £10 (the statutory maximum) with all SARs.

[A fee of £2 shall be required for access to a credit file.]

Upon receipt of a SAR the Company shall have a maximum period of 40 days within which to

respond. The following information will be provided to the data subject:

oWhether or not the Company holds any personal data on the data subject;

oA description of any personal data held on the data subject; compliant to Section 4.

oDetails of what that personal data is used for; As set out of in company Online

Webiste Sales of Goods & Services Terms & Conditions to;

oDetails of any third-party organisations that personal data is passed to; such as

payment transaction used with external system such as Streamline, PayPal etc.

and

oDetails of any technical terminology or codes.

9. Notification to the Information Commissioner’s Office

As a data controller, the Company is required to notify the Information Commissioner’s Office

that it is processing personal data. The Company is registered in the register of data

controllers.

Data controllers must renew their notification with the Information Commissioner’s Office on

an annual basis. Failure to notify constitutes a criminal offence.

Any changes to the register must be notified to the Information Commissioner’s Office within

28 days of taking place.

The Designated Officer shall be responsible for notifying and updating the Information

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Commissioner’s Office.

10. Implementation of Policy

This Policy shall be deemed effective as of 15th January 2012 No part of this Policy shall

have retroactive effect and shall thus apply only to matters occurring on or after this date.

This Policy has been approved & authorised by:

Signature:

Name: Mrs Bliss Tara Dixon

Position: The Company Secretary

Date: 15th Januarly 2012

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