Terms of sale

Part A: terms for all programmes

1. Who we are

1.1Our education programmes are operated by Bull and Bear Investments Limited, a company registered in England and Wales with company number 14659741 and VAT registration number 444746475, whose registered office is at 167-169 Great Portland Street, 5th Floor, London, W1W 5PF ("we", "us", "our").

1.2You can contact us at adam@adamslee.co.uk. If we need to contact you, we will use the email address you gave us at checkout or on your application.

2. These terms and how they apply

2.1These terms are in two parts. Part A applies to every programme we sell. The schedules describe the specific programmes: Schedule 1 covers The Property Accelerator, Schedule 2 covers Profit On Your Terms and Schedule 3 covers The Funding Engine. The schedule for the programme you buy forms part of your contract with us.

2.2If anything in a schedule conflicts with Part A, the schedule applies for that programme.

2.3By submitting payment for a programme you confirm that you have read, understood and accepted these terms.

3. Forming the contract

3.1You must be at least 18 years old to buy any programme.

3.2Some programmes are sold by application. Where they are, we may accept or decline any application at our sole discretion and we are not required to give reasons. Acceptance of an application alone does not create a contract.

3.3Your contract with us is formed when your first payment is successfully taken. You confirm that any information you provided in an application is accurate. If it later proves to be materially inaccurate, we may end your programme access under clause 11.

4. Education, not advice

4.1Every programme we sell is property business education. Nothing in any programme is, or includes, financial advice, investment advice, tax advice, legal advice, mortgage advice or any form of regulated advice, and nothing said or shared in any session, on any platform or in any programme materials is a personal recommendation to you.

4.2We are not authorised or regulated by the Financial Conduct Authority. We are not solicitors, accountants, tax advisers, mortgage brokers or independent financial advisers. Before acting on anything discussed in a programme, you must take your own advice from appropriately qualified and, where relevant, regulated professionals.

4.3All decisions about your property business, including whether to buy, sell, borrow, lend or enter into any joint venture or other arrangement, are yours alone. Property values and rental income can fall as well as rise, and you may lose money. We accept no responsibility for any decision you make or fail to make.

4.4We do not promise, and nothing in any programme should be read as promising, any particular financial outcome, income, profit, portfolio growth or other result. Any figures, case studies or examples shared in a programme are illustrations of what has been achieved by specific people in specific circumstances. Your results depend on your own actions, decisions, circumstances and market conditions.

5. Your right to cancel (14-day cooling-off period)

5.1Because you buy our programmes at a distance, you have a legal right under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 to cancel within 14 days of the day your contract is formed, without giving a reason.

5.2To cancel, email us at adam@adamslee.co.uk within the 14-day period stating that you wish to cancel. You may use the model cancellation form at the end of this page, but you do not have to. We will confirm your cancellation by email.

5.3Some programmes include digital content (such as online course modules and recordings) that is supplied immediately after purchase. Where they do, you will be asked at checkout, or access will be given on the basis, that you expressly consent to the digital content being supplied within the cooling-off period and acknowledge that you lose your right to cancel in respect of that digital content once its supply has begun.

5.4Where a programme includes services (such as live sessions) that begin at your request during the cooling-off period, and you then cancel within the period, we may deduct an amount proportionate to the services already provided up to the point you told us you wished to cancel, and refund the balance.

5.5If you cancel within the cooling-off period and no digital content has been accessed and no services have been provided, we will refund everything you have paid within 14 days.

5.6Each schedule explains how these rights apply to that programme. Nothing in these terms limits or removes your statutory rights.

6. Fees and payment

6.1The price for each programme is the price displayed at checkout at the time you buy. Prices are stated plus VAT or including VAT as shown at checkout, and VAT is charged at the prevailing rate. If the rate of VAT changes, the VAT element of your payment will change accordingly.

6.2Payments are collected by card through our payment provider, Stripe. For subscription programmes you are responsible for keeping a valid payment method on file, and you can update your card details at any time by contacting us.

6.3We will give you reminder notices about any subscription and upcoming payments where the law requires us to do so.

7. Intellectual property

7.1All programme materials, including session recordings, modules, templates, documents, frameworks and platform content, belong to us or our licensors.

7.2We grant you a personal, non-transferable licence to use the materials for your own property business while you have access to the relevant programme. You may not copy, share, publish, sell or teach from them, and you may not share your platform login with anyone else. Your licence ends when your programme access ends, except for templates you have downloaded for your own continued personal use.

8. Recordings and testimonials

8.1Live sessions are normally recorded so that participants can catch up. By joining a session you consent to being recorded. Recordings are made available only to participants of the relevant programme and must not be shared outside it.

8.2We will not use your name, image or results in marketing or testimonials without your separate written consent.

9. Conduct and confidentiality in group programmes

9.1Where a programme includes group sessions or a community space, you agree that you will: treat other participants, us and any guests with respect; not record, photograph or screenshot any session or any other participant's contribution; and not use the programme to sell, promote or solicit for your own or anyone else's products, services or investment opportunities, except where invited to share within a session.

9.2Participants may share detailed information about their finances, deals and businesses. You agree to keep all such information confidential and not to use it for any purpose outside the programme without the written consent of the person concerned. We will treat the information you share with us in the same way, except where we need to use it to run the programme, where you give us consent, or where the law requires disclosure. This clause survives the end of your access.

9.3Any joint venture, loan, investment or other arrangement you enter into with another participant is entirely between you and them. We are not a party to it, we do not vet participants as counterparties, and we accept no responsibility for any such arrangement.

10. Limits on our liability

10.1Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot be excluded or limited by law.

10.2Subject to clause 10.1, we are not liable to you for: any loss arising from property, investment, borrowing or lending decisions you make; any loss arising from arrangements between you and other participants; loss of profit, revenue or anticipated savings; or any loss that was not a foreseeable result of our breaking these terms.

10.3Subject to clause 10.1, our total liability to you arising out of or in connection with a programme is limited to the total fees you paid us for that programme in the 12 months before the event giving rise to the claim.

10.4We are not responsible for delays or failures caused by events outside our reasonable control, including internet or platform outages, illness, or other events we could not reasonably have foreseen or avoided. We will take reasonable steps to minimise the effect of any such event, including rearranging affected sessions.

11. Ending your access for breach

11.1We may end your access to a programme immediately by written notice if you materially breach these terms, including any breach of clauses 7 or 9, or if your application information proves materially inaccurate. Each schedule sets out any financial consequences specific to that programme.

12. Changes to these terms

12.1We may update these terms from time to time. For subscription programmes we will give you at least 30 days' notice by email of any change, and the updated terms will apply from the date stated in the notice.

12.2If a change materially disadvantages you, you may end your subscription by emailing us before the change takes effect, even during any minimum term. Your membership will end at the end of the monthly billing period in which your notice is received, and no further payments will be taken.

13. Data protection

13.1We process your personal data in accordance with UK data protection law and our privacy policy. In summary, we use your data to run the programmes, take payment, maintain programme records and communicate with you.

14. Complaints

14.1If you are unhappy with anything about a programme, email us at adam@adamslee.co.uk with the details. We will acknowledge your complaint within 3 working days and give you a full response within 14 days. We take complaints seriously and will always try to put things right.

15. General

15.1These terms, together with the relevant schedule and the information provided to you at checkout, are the entire agreement between us for the programme you buy.

15.2Your programme access is personal to you and cannot be transferred to anyone else. We may transfer our rights and obligations under these terms to another organisation, and will tell you in writing if this happens; this will not affect your rights.

15.3If any part of these terms is found to be unenforceable, the rest continues in force. If we do not enforce a right under these terms straight away, we can still enforce it later.

16. Governing law

16.1These terms are governed by the law of England and Wales, and the courts of England and Wales have jurisdiction over any dispute. If you live in Scotland or Northern Ireland, you may also bring proceedings in your local courts.

Schedule 1: The Property Accelerator

This schedule applies if you buy membership of The Property Accelerator ("the Programme"). It applies together with Part A.

S1.1 Definitions

"Session" means a live group session of the Programme, delivered online, normally once per calendar month. "Platform" means the members area at members.adamslee.co.uk, or any replacement we provide. "Group" means the group of members to which you are allocated for Sessions. "Initial Term" means the first 12 calendar months of your membership, starting on the date of your first payment. "Monthly Fee" means the monthly membership fee of £249 plus VAT. "Founding Rate" means the monthly fee of £149 plus VAT payable by members who joined during the founding launch period. "Goal" means the written 12-month goal you set with us under clause S1.6. "Accountability Actions" means the specific actions you commit to at each Session and which are recorded in the accountability log.

S1.2 What your membership includes

One live Session per calendar month with your Group; access to the Platform, including Session recordings and member resources; and participation in the monthly accountability process described in clause S1.6.

S1.3 Term and your minimum commitment

(a) Your membership runs for an Initial Term of 12 months, billed monthly. Your total minimum financial commitment is 12 monthly payments of £249 plus VAT (a total of £2,988 plus VAT, being £3,585.60 including VAT at 20%), or 12 monthly payments at the Founding Rate if it applies to you.

(b) Except for your cancellation rights under clause 5 of Part A and clause 12.2 of Part A, you cannot cancel during the Initial Term, and all 12 monthly payments remain payable even if you stop attending Sessions or stop using the Platform.

(c) After the Initial Term, your membership continues on a monthly rolling basis at your then-current rate. You may cancel at any time after the Initial Term by giving us notice by email; your membership will end at the end of the monthly billing period in which your notice is received, and no further payments will be taken after that date.

(d) Your Monthly Fee is fixed for the life of your continuous membership. Members who joined during the founding launch period and who remain continuously subscribed and in good standing keep the Founding Rate for as long as their membership continues. If your membership ends for any reason and you later rejoin, you will pay the rate applicable at the time you rejoin.

S1.4 Cooling off

Your 14-day right to cancel under clause 5 of Part A applies. If you cancel within the cooling-off period and have not yet been given access to the Platform or attended a Session, we will refund everything you have paid within 14 days. If you asked for immediate access and then cancel within the period, clause 5.4 of Part A applies to the membership already provided.

S1.5 Missed payments and suspension

(a) If a monthly payment fails, our payment provider will retry the payment automatically and we will notify you by email asking you to update your payment details.

(b) If the payment remains unpaid 7 days after the original due date, we may suspend your membership. While suspended, you may not attend Sessions and your access to the Platform is frozen.

(c) Suspension does not pause your membership or your payment obligations. The Initial Term continues to run, missed payments remain due, and further monthly payments continue to fall due during any suspension. Your access will be restored within 3 working days of all arrears being cleared.

(d) If payments remain unpaid for 60 days or more, we may end your membership and recover as a debt all unpaid amounts, including the remaining monthly payments of the Initial Term, less a fair allowance for any costs we save by no longer providing your membership. We may charge interest on overdue amounts at 4% a year above the Bank of England base rate, and we may refer unpaid debts to a debt collection agency and recover our reasonable costs of doing so.

S1.6 The Results Guarantee

(a) We offer the following guarantee to members who complete the Initial Term and do the work. It is conditional, and every condition matters.

(b) Within 30 days of joining, you will set your Goal with us in writing. Your Goal is recorded in the accountability log and can only be amended by written agreement between you and us.

(c) At each Session you will commit to specific Accountability Actions for the month ahead. These are recorded in the accountability log, and at each following Session you will report on them. The accountability log maintained by us is the definitive record for the purposes of this guarantee.

(d) You qualify for the guarantee if, during the Initial Term, all of the following are true: you set your Goal in writing within 30 days of joining and did not abandon it; you attended at least 10 of the 12 monthly Sessions live, or watched the recording and submitted your accountability update to us within 7 days of any Session you missed; you completed at least 80% of your logged Accountability Actions, as recorded in the accountability log; and your membership remained in good standing throughout, with no period of suspension for non-payment and no breach of clause 9 of Part A.

(e) If you meet every condition in (d) and you have not achieved your Goal by the end of the Initial Term, then, provided you claim by email within 30 days of the end of the Initial Term, we will continue your membership free of charge until you achieve your Goal, up to a maximum of a further 12 months. The same participation conditions apply during the free period.

(f) The guarantee is a continuation of membership, not a refund. It does not entitle you to any repayment of fees already paid.

(g) The guarantee does not apply where your Goal has become unachievable for reasons unrelated to the Programme, including changes in your personal or financial circumstances, or where you have materially changed your Goal without written agreement under (b).

S1.7 Groups, scheduling and delivery

(a) Sessions are delivered online. We will tell you the date and time of each Session in advance. Session days and times may change from time to time, and we will give you reasonable notice of any change. We aim to set Session times that work for the majority of each Group.

(b) We allocate members to Groups and may re-allocate members between Groups, split Groups or merge Groups as membership changes, in order to keep Groups at a size where every member gets meaningful time. Group allocation is at our discretion.

(c) Sessions are normally led by Adam Slee. We may occasionally substitute or add another suitably experienced facilitator or guest, and doing so is not a breach of these terms.

(d) If we cancel a Session, we will rearrange it or provide an equivalent replacement. A rearranged Session is not a breach of these terms and does not give rise to any refund.

(e) We may improve, update or change the format of the Programme, the Platform and the resources over time, provided the core of your membership, a monthly live group Session and access to the Platform, is preserved.

S1.8 Ending your membership

(a) If we end your membership for material breach under clause 11 of Part A during the Initial Term, the remaining payments of the Initial Term become payable, less a fair allowance for any costs we save by no longer providing your membership.

(b) We may also end your membership without fault on your part by giving you 30 days' written notice. If we do this during the Initial Term, we will not charge you for any period after your membership ends, and your obligation to make further payments stops.

Schedule 2: Profit On Your Terms

This schedule applies if you buy Profit On Your Terms ("the Course"). It applies together with Part A.

S2.1 What the Course is

The Course is a one-off purchase. It includes: a pre-course module of digital content, available immediately after purchase through the members area at course.adamslee.co.uk; a series of live online group sessions; recordings of those sessions; and the course materials. It teaches how to negotiate and land creative property deals.

S2.2 Price and payment

The price is the one-off price displayed at checkout, payable in full when you buy. There is no subscription and no further payment.

S2.3 Access

(a) Your access begins immediately after payment. Your login and course access are tied to the exact email address you used at checkout.

(b) Your access to the members area, including the pre-course module and session recordings, continues for as long as we operate the Course and in any event for at least 12 months from the date of purchase. If we plan to retire the Course, we will give you at least 30 days' notice by email so you can download any templates for your continued personal use under clause 7 of Part A.

S2.4 Live sessions and dates

(a) The dates and times of the live sessions are confirmed by email after purchase. Buying the Course before dates are announced does not delay your access: the pre-course module is available immediately and is designed to be completed before the first session.

(b) Session dates may change, and we will give you reasonable notice of any change. If we cancel a session, we will rearrange it or provide an equivalent replacement. Sessions are normally recorded, and if you cannot attend a session live, the recording is made available to you. A rearranged session, or attendance by recording, is not a breach of these terms and does not give rise to any refund.

(c) Sessions are normally led by Adam Slee. We may occasionally substitute or add another suitably experienced facilitator or guest.

S2.5 Cooling off and refunds

(a) Your 14-day right to cancel under clause 5 of Part A applies, subject to the following.

(b) The pre-course module is digital content supplied immediately after purchase. By buying the Course you expressly request and consent to its immediate supply, and you acknowledge that once you log in to the members area and begin the module, you lose your right to cancel in respect of that digital content.

(c) If you cancel within 14 days and have not logged in to the members area and no live sessions have taken place, we will refund everything you have paid within 14 days.

(d) If you cancel within 14 days after logging in to the members area, or after one or more live sessions have taken place, we may deduct a fair amount reflecting the digital content and any sessions already supplied, and refund the balance.

S2.6 No guarantee

The Course does not include any results guarantee. Clause 4 of Part A applies in full: your results depend on your own actions, decisions, circumstances and market conditions.

Schedule 3: The Funding Engine

This schedule applies if you buy a place on The Funding Engine ("the Cohort Programme"). It applies together with Part A.

S3.1 What the Cohort Programme is

The Cohort Programme is a cohort-based programme of live online group sessions, normally 6 weekly sessions, together with programme materials and session recordings. Places on each cohort are limited, and the dates of your cohort's sessions are set out at checkout or confirmed to you by email.

S3.2 Price and payment

(a) The price is the price displayed at checkout for your cohort. Depending on the option you choose, payment is either in full at checkout or as a deposit followed by a balance payment.

(b) Where you pay a deposit, your place on the cohort is secured when the deposit is paid, and the balance is payable by the date shown at checkout or notified to you by email before the cohort begins.

S3.3 Cooling off and refunds

(a) Your 14-day right to cancel under clause 5 of Part A applies, subject to the following.

(b) Any programme materials supplied as digital content before or during the cooling-off period are supplied with your express consent, and you acknowledge that you lose your right to cancel in respect of that digital content once its supply has begun.

(c) If your cohort begins during the cooling-off period, the sessions are provided at your request. If you then cancel within the period, we may deduct an amount proportionate to the sessions and materials already provided, and refund the balance, including any deposit balance.

(d) If you cancel within the cooling-off period before the cohort begins and before accessing any digital content, we will refund everything you have paid, including any deposit, within 14 days.

S3.4 Sessions and delivery

Session dates and times may change, and we will give you reasonable notice of any change. If we cancel a session, we will rearrange it or provide an equivalent replacement. Sessions are normally recorded, and if you cannot attend a session live, the recording is made available to you. Sessions are normally led by Adam Slee, and we may occasionally substitute or add another suitably experienced facilitator or guest.

Appendix: model cancellation form

If you wish to cancel within the 14-day cooling-off period described in clause 5 of Part A, you may use this form, but you do not have to. A plain email telling us you wish to cancel works just as well.