Terms and Conditions

Last updated: September 2026

These Terms and Conditions (“Terms”) govern your use of the Golden Arc Ltd website at goldenarcltd.com and any digital publications, subscription services, research, insights, content or other digital products that we make available.

Please read these Terms carefully before using our website, purchasing digital content or entering into a subscription with us.

By using our website or purchasing or accessing our digital content, you agree to be bound by these Terms.

1. About Us

Golden Arc Ltd is a company registered in England and Wales.

Company name: Golden Arc Ltd
Company number: 15343976
Registered office: 61 Bridge Street, Kington, United Kingdom, HR5 3DJ
Email: hellogoldenarc@gmail.com
Website: goldenarcltd.com

In these Terms, references to “Golden Arc”, “we”, “us” and “our” mean Golden Arc Ltd.

References to “you” and “your” mean the person accessing our website, purchasing our digital content or using our subscription services.

2. Our Services

Golden Arc provides digital content which may include:

Digital subscription publications, research and insight publications, educational and informational material, premium subscription content, reports, updates and other digital resources.

The exact content, features, access period and price applicable to a particular product or subscription will be described on the relevant product, subscription or checkout page.

We may introduce, remove or modify products and services from time to time.

3. Informational Purpose

Our publications and other digital content are provided for general educational and informational purposes.

Although some publications may discuss markets, businesses, economic developments, financial subjects or other areas where users may make commercial or personal decisions, our content does not constitute personalised financial, investment, trading, legal, tax or other professional advice.

Nothing published by Golden Arc should be treated as a personal recommendation or as an instruction to enter into any particular transaction.

You remain responsible for your own decisions and should obtain independent professional advice where appropriate.

4. Accuracy of Information

We take reasonable care in preparing our publications and digital content.

However, information may be based on sources available at the time of publication and circumstances may subsequently change.

We do not guarantee that all information will always be complete, current or free from error.

Where appropriate, publications may contain opinions, analysis, estimates or forward-looking statements. These should not be regarded as guarantees of future events or outcomes.

We may correct, update or withdraw content where we consider this appropriate.

5. Orders and Formation of Contract

Where you purchase digital content or a subscription from us, you are making an offer to purchase that product or service.

A contract between you and Golden Arc Ltd will normally be formed when we confirm your order by email, provide access to the digital content, or otherwise confirm that your subscription has started.

Before placing an order, you will be provided with the key information relating to the product or subscription, including its price, description and applicable access period.

Please ensure that the information you provide when purchasing is accurate.

We reserve the right to decline or cancel an order where there has been an obvious pricing or description error, suspected fraudulent activity, misuse of our services or another legitimate reason.

If we cancel an order after payment has been taken and you are entitled to a refund, we will refund the relevant amount.

6. Digital Delivery and Access

Our products are supplied digitally.

Depending on the product, access may be provided through email, a secure website area, download link, user account, third-party platform or another digital delivery method.

We will provide access as soon as reasonably practicable following successful payment unless a different delivery date is stated.

You are responsible for ensuring that you have suitable internet access, equipment and software to access the content.

Where we provide login details or individual access credentials, they are for your use only and must not be shared with unauthorised persons.

You must take reasonable steps to keep any login credentials secure.

7. Subscriptions

Some Golden Arc content may be available through a paid subscription.

The price, billing frequency, minimum term, renewal arrangements and content included in a subscription will be displayed before you subscribe.

Where a subscription automatically renews, we will make this clear before you purchase.

Unless otherwise stated, cancelling an automatically renewing subscription prevents future renewal and does not normally terminate access that has already been paid for. You may continue to access the applicable content until the end of your current paid subscription period.

You may request cancellation of future renewals using any cancellation method made available through your account or by contacting:

hellogoldenarc@gmail.com

Any specific cancellation or renewal terms displayed when you subscribe will form part of your contract with us.

We will not intentionally make cancellation unnecessarily difficult.

8. Prices and Payment

Prices will be displayed before you complete your purchase.

Unless otherwise stated, prices include any applicable UK taxes that we are legally required to charge.

Payment must be made using one of the payment methods made available at checkout.

Where payments are processed by a third-party payment provider, your payment may also be subject to that provider’s terms.

We do not guarantee that any particular payment method will always be available.

For subscription services, payment may be taken periodically in accordance with the billing frequency displayed when you subscribe.

9. Cancellation Rights for Digital Content

If you are purchasing as a consumer, you may have statutory cancellation rights under UK consumer law.

For certain digital content supplied online, there is normally a 14-day cancellation period.

However, where you ask us to provide digital content immediately during that cancellation period, we may ask you to:

expressly consent to the digital content being supplied immediately; and

acknowledge that once supply of the digital content begins, you will lose your statutory right to cancel that digital-content purchase.

Where required, this consent and acknowledgement will be obtained separately during the purchase process.

If the law gives you a cancellation right that has not been validly lost, nothing in these Terms removes that right.

To exercise a cancellation right, contact:

hellogoldenarc@gmail.com

and provide sufficient information for us to identify your order.

10. Your Statutory Consumer Rights

Nothing in these Terms affects any rights you have under applicable consumer law.

Where applicable, digital content must meet the standards required by law, including requirements relating to satisfactory quality, fitness for purpose and conformity with its description.

If digital content does not meet your statutory rights, you may have legal remedies available to you.

Our Terms do not exclude or restrict rights that cannot lawfully be excluded or restricted.

11. Refunds

Refunds will be provided where required by law.

We may also choose to provide a refund in other circumstances at our discretion.

Where digital content has already been supplied following your valid express consent and acknowledgement that your cancellation right will be lost, you may no longer have a statutory right simply to change your mind.

This does not affect your rights where digital content is faulty, materially misdescribed or otherwise fails to meet applicable legal requirements.

12. Intellectual Property

Unless expressly stated otherwise, all rights in the Golden Arc website and our digital publications and content belong to Golden Arc Ltd or are used by us under licence.

This includes copyright, trademarks, branding, graphics, publications, reports, research, written material, downloadable files, layouts and other intellectual property.

Purchasing a publication or subscription gives you a limited right to access and use the relevant content. It does not transfer ownership of the intellectual property to you.

Unless we expressly permit otherwise in writing, you must not:

copy or reproduce substantial parts of our publications;

republish our content;

redistribute or resell our publications;

share paid content or account access with unauthorised users;

upload paid content to public websites, file-sharing services or social-media platforms;

remove copyright or ownership notices;

use our content to create a competing publication or commercial service; or

otherwise commercially exploit our intellectual property.

Reasonable quotations may be used where permitted by law and appropriately attributed.

13. Personal and Business Use

Unless the relevant product description says otherwise, access is provided to the individual or organisation that purchased the content.

A personal subscription must not be shared among multiple unrelated users.

Where we offer organisational, team or multi-user licences, the permitted number of users will be stated separately.

If you need additional licences, please contact us.

14. Prohibited Use

You must not use our website or services:

for unlawful or fraudulent purposes;

to interfere with the operation or security of the website;

to attempt to obtain unauthorised access to our systems;

to introduce malicious software;

to scrape or systematically extract protected paid content without permission;

to impersonate another person;

or in any other way that infringes our rights or the rights of another person.

We may suspend or terminate access where we reasonably believe there has been serious or repeated misuse.

15. Availability of the Website and Digital Services

We aim to keep our website and digital services available, but uninterrupted availability cannot be guaranteed.

Access may occasionally be affected by maintenance, security work, updates, hosting failures, internet outages or circumstances outside our reasonable control.

We may temporarily suspend access where necessary to maintain, secure or improve the service.

Where a paid service is materially unavailable for an extended period due to circumstances within our control, we will consider an appropriate remedy having regard to the circumstances and your statutory rights.

16. Third-Party Websites and Services

Our website or publications may contain links to third-party websites, platforms or services.

These links are provided for convenience or reference.

Golden Arc does not control third-party websites and is not responsible for their content, security, availability or privacy practices.

Your use of third-party services may be governed by separate terms and privacy policies.

17. Limitation of Liability

Nothing in these Terms excludes or limits liability where it would be unlawful to do so.

In particular, nothing excludes liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot lawfully be excluded.

We are not responsible for losses resulting solely from decisions made independently by users based on general informational content where we have not provided personalised professional advice.

If you use our products for business purposes, we will not be responsible for indirect or consequential losses such as loss of profits, loss of business opportunity or loss of anticipated savings except where liability cannot lawfully be excluded.

If you are a consumer, we are responsible for foreseeable loss or damage caused by our breach of contract or failure to use reasonable care and skill, subject to applicable law.

Nothing in this section affects your statutory consumer rights.

18. Events Outside Our Reasonable Control

We will not be responsible for delay or failure caused by events outside our reasonable control.

These may include failures of internet or communications infrastructure, hosting outages, power failures, cyber incidents affecting third parties, natural disasters, governmental action or other events we could not reasonably prevent.

We will take reasonable steps to minimise the effect of such events.

19. Changes to Our Publications and Services

We may update digital content to correct errors, improve clarity, reflect new information, improve security or make other reasonable improvements.

Subscription content may evolve over time and individual publications, topics or features may be added, replaced or removed.

Where a material change significantly affects a paid subscription, we will provide reasonable information about the change where appropriate.

20. Ending or Suspending Access

We may suspend or terminate access if:

you fail to make a payment that is due;

you materially breach these Terms;

you share or redistribute protected content without permission;

you misuse our systems or services; or

we are required to do so by law.

Where appropriate, we will give you an opportunity to resolve the issue before terminating access.

Termination does not affect rights or obligations that arose before termination.

21. Privacy

We process personal information in accordance with our Privacy Policy.

Our Privacy Policy is available at:

goldenarcltd.com/privacy-policy/

22. Complaints

If you have a complaint about a publication, purchase or subscription, please contact:

hellogoldenarc@gmail.com

Please provide your name, order or subscription details where applicable, and a description of the issue.

We will aim to investigate and respond within a reasonable period.

23. Changes to These Terms

We may update these Terms from time to time to reflect changes to our services, business practices or legal requirements.

The latest version will be published on this website together with the date it was last updated.

Changes will not retrospectively remove statutory rights that you already have.

Where a material change affects an ongoing paid subscription, we will take reasonable steps to notify affected subscribers where required.

24. Severability

If any provision of these Terms is found to be unlawful or unenforceable, the remaining provisions will continue in effect.

25. No Waiver

If we do not immediately enforce a provision of these Terms, this does not mean that we have waived our right to enforce it later.

26. Third-Party Rights

Unless expressly stated otherwise, these Terms do not give any third party a right to enforce them.

27. Governing Law and Jurisdiction

These Terms are governed by the laws of England and Wales.

If you are a consumer resident elsewhere in the United Kingdom, you may also have the benefit of mandatory rights applicable where you live.

Any dispute will be dealt with by the courts having jurisdiction under applicable law.