Our Terms & Conditions

Terms and Conditions

Effective date: 01/02/2026

Website: 365 Risk Desk

Operated by: 365 Performance Group Ltd

Trading as: 365 Risk Desk

Contact: via the contact form at https://365riskdesk.com/contact-risk-enquiry

Business address: 24 Clarence Road, PE36 6HQ

1. Who we are

These Terms and Conditions apply to your use of 365 Risk Desk, including this website, any member areas, premium content, digital downloads, guides, reports, tools, scorecards, commentary, subscriptions and related services made available through it.

When we refer to 365 Risk Desk, we, us or our, we mean 365 Performance Group Ltd trading as 365 Risk Desk.

When we refer to you or your, we mean the person or business using the website or purchasing a product, membership or subscription from us.

2. Acceptance of these Terms

By accessing or using this website, creating an account, purchasing a membership, purchasing a digital product, or otherwise using any part of 365 Risk Desk, you agree to these Terms and Conditions.

If you do not agree to these Terms and Conditions, you must not use the website or purchase any paid content, product or subscription from us.

3. What 365 Risk Desk provides

365 Risk Desk is a digital content and intelligence platform. We provide general commercial information, commentary, educational materials, business risk insight, insurance-related commentary, strategic analysis, tools and downloadable resources.

Unless we expressly agree otherwise in writing, 365 Risk Desk does not provide legal advice, insurance advice, financial advice, investment advice, tax advice, regulatory advice, or any other form of professional advice through this website.

4. Informational use only

All content made available on 365 Risk Desk is provided for general informational and educational purposes only.

Nothing on this website should be treated as advice tailored to your specific circumstances. Content may not reflect your particular business model, facts, contracts, jurisdiction, regulatory obligations, risk profile or commercial position.

You remain responsible for obtaining appropriate professional advice before making legal, financial, insurance, operational, strategic or commercial decisions.

5. No advisory or client relationship

Your use of the website does not create any advisory, broker-client, consultancy, fiduciary, agency, retainer or other formal professional relationship between you and 365 Risk Desk.

Any such relationship would arise only under a separate written agreement expressly entered into between the relevant parties.

6. Eligibility and acceptable use

You must use the website only for lawful purposes.

You must not:

use the website in breach of any applicable law or regulation
attempt to gain unauthorised access to any account, member area, system or content
scrape, crawl, harvest, copy, reproduce, republish or exploit content beyond the rights granted by these Terms
share restricted member access or paid content with others except where your licence expressly allows it
use the website to transmit harmful code, spam, misleading material, or unlawful content
repackage, resell or redistribute any paid content, downloads, tools or guides without written permission
interfere with the operation, security or availability of the website
use automated means to extract, index, monitor or reproduce substantial parts of the website or its content
use any content from 365 Risk Desk to develop, train, fine-tune, enhance or contribute to any dataset, knowledge base, automated system, model or competing commercial product without our prior written consent

We may suspend or restrict access where we reasonably believe there has been misuse, infringement, unauthorised sharing, unlawful activity, automated extraction, security abuse or a material breach of these Terms and Conditions.

7. Accounts and access credentials

Some parts of 365 Risk Desk may require an account, login credentials or an active membership.

You are responsible for keeping your login details secure and for activity carried out through your account. You must provide accurate information and keep it reasonably up to date.

We may suspend or terminate access where there is suspected fraud, misuse, abusive behaviour, unauthorised account sharing, infringement of intellectual property rights, repeated payment failure or other material breach of these Terms.

8. Products, memberships and subscriptions

We may offer free content, paid memberships, subscription tiers, premium articles, guides, tools, downloads and other digital products.

The key features, pricing, billing frequency and access model for a product or membership will be shown on the relevant sales, checkout or product page.

Where you purchase a recurring membership or subscription:

you authorise us to charge the stated subscription fee at the stated billing interval
your subscription continues until cancelled in accordance with these Terms
you are responsible for cancelling before your next renewal date if you do not want the subscription to renew
unless we state otherwise, access to paid content continues only while the relevant subscription remains active and fully paid

Any promotional pricing, trial access or introductory rate applies only as stated at the point of purchase.

If you cancel a recurring membership or subscription, cancellation will take effect at the end of the current billing period already paid for, unless otherwise stated at the point of purchase.

Deleting your account does not automatically cancel a paid subscription unless the cancellation process expressly says so.

9. Changes to products, pricing, memberships and digital resources

We may from time to time update, improve, modify, remove, replace, discontinue or restructure content, features, product formats, membership benefits, digital resources or pricing for legal, regulatory, security, technical, operational or commercial reasons.

We may update, modify, replace or withdraw any digital product, tool, framework, scorecard or downloadable resource at any time for operational, commercial, legal or technical reasons.

Any change to pricing for an existing recurring subscription will apply only from a future billing period, not retrospectively for a period already paid for.

Where we make a material adverse change to an active paid subscription during a billing period, we will act reasonably and, where appropriate, reflect the change from a future billing cycle rather than the current one.

Nothing in this section affects your statutory rights.

10. Digital products and licence terms

When you purchase or access a digital product, guide, report, framework, template, tool, scorecard, calculator, premium article, membership resource or download from 365 Risk Desk, you are granted a limited, non-exclusive, non-transferable, revocable licence to use that content for your own personal use or your own internal business use only, unless we expressly state otherwise in writing.

This licence does not transfer ownership of any intellectual property rights.

You must not, without our prior written consent:

resell, sublicense or commercially redistribute it
share it outside your organisation where the licence does not allow that
publish it publicly
remove branding, copyright notices or ownership references
copy it into another commercial product, subscription, database, knowledge product or competing service
use automated means to extract or reproduce substantial parts of it
store it in a shared repository, knowledge base or internal system beyond the scope of the licence granted
use it to support the creation, training, fine-tuning, grounding or improvement of any automated system, model, dataset or commercial analytical product

All intellectual property rights remain owned by us or our licensors.

11. Payments

All prices are displayed in the currency shown on the website at the time of purchase.

You must provide current, complete and accurate payment information. Payment processing may be handled by a third-party payment provider, and your use of that provider may also be subject to its own terms and privacy practices.

If payment is not successfully received, we may suspend or cancel access to the relevant paid content, product or membership.

12. Consumer cancellation rights and digital content

If you are a consumer, and you purchase digital content, digital downloads, membership access, subscription content or any other digital product supplied online, your legal cancellation rights may differ from those applying to physical goods.

Where digital content or paid access is supplied immediately during the statutory cancellation period, we will request your express consent to immediate supply and your acknowledgement of the effect this has on any cancellation rights, where required by law.

Where digital supply has begun with the required consent and acknowledgement, cancellation rights may be lost or limited to the extent permitted by law.

Nothing in these Terms affects any mandatory legal rights you may have as a consumer.

13. Refunds

Unless a specific product page, sales page or checkout page states a separate refund policy, fees paid for digital products, downloaded content, membership periods already used, and subscription periods already commenced are generally non-refundable, subject always to your mandatory legal rights.

Nothing in these Terms limits your statutory rights where digital content is not of satisfactory quality, not fit for purpose where applicable, not as described, or otherwise does not conform to the contract.

14. How to cancel

To cancel a subscription or membership, you must follow the cancellation steps made available through your account or contact us via the contact form at https://365riskdesk.com/contact-risk-enquiry.

15. Description of products and conformity

We aim to describe our products, memberships and content accurately.

However, website content is general in nature, and examples, frameworks, commentary and tools are not promises of outcomes, business results, legal protection, insurability, regulatory compliance, investment performance or commercial success.

Content, tools and resources made available through the website may incorporate editorial, analytical, data-assisted or automated processing as part of their development and should be independently assessed before being relied upon in any specific commercial, legal, financial, insurance or regulatory context.

Any recommendation, framework, score, commentary or downloadable material should be used with judgment and, where appropriate, with independent professional input.

16. Intellectual property

All intellectual property rights in 365 Risk Desk and its content, including written content, branding, logos, graphics, tools, reports, frameworks, designs, member materials, page layouts and downloadable materials, are owned by or licensed to us unless otherwise stated.

All such rights are reserved.

No right, title or interest in any content transfers to you except for the limited licence expressly granted under these Terms.

17. User submissions and feedback

If you submit enquiries, feedback, comments, suggestions or other material to us, you confirm that your submission does not infringe any third-party right and is not unlawful, abusive or misleading.

Unless separately agreed in writing, we may use feedback or suggestions you provide for editorial, operational, service improvement or product development purposes without payment or confidentiality obligation.

18. Third-party links and services

The website may contain links to third-party websites, tools, services, payment providers or platforms.

We are not responsible for the content, security, availability, performance or practices of third-party websites or services. A link does not amount to endorsement unless we expressly say so.

Your use of third-party services is at your own risk and subject to their own terms.

19. Website availability

We do not guarantee that the website, any member area, any digital product or any content will always be available, uninterrupted, secure, error-free or compatible with every browser, device or platform.

We may carry out maintenance, upgrades, edits, removals or structural changes at any time.

20. Accuracy and reliance

While we aim to provide commercially useful and well-considered content, we do not guarantee that any content is complete, current, accurate or suitable for your particular circumstances.

You use the website and rely on its content at your own risk.

Nothing on 365 Risk Desk is intended to replace tailored legal, financial, insurance, tax, regulatory or professional advice.

21. Our liability to consumers and businesses

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot lawfully be excluded or limited.

If you are a consumer, we do not exclude or limit rights or remedies that you are entitled to under law.

If you are using 365 Risk Desk for business purposes, then, to the fullest extent permitted by law, we will not be liable for any indirect or consequential loss, loss of profit, loss of revenue, loss of business opportunity, loss of anticipated savings, loss of goodwill, loss of data, business interruption or wasted management time arising out of or in connection with your use of the website, the content, or any paid or free material made available through it.

Subject to the paragraph above, our total aggregate liability to you arising out of or in connection with any paid product or service purchased directly from us shall not exceed the amount paid by you to us for that product or service in the 12 months preceding the event giving rise to the claim.

22. Indemnity

If you use 365 Risk Desk in the course of business, you agree to indemnify and hold harmless 365 Performance Group Ltd from and against any loss, liability, cost, claim, damage or expense, including reasonable legal costs, arising out of or in connection with:

your breach of these Terms
your misuse of the website
your infringement of any intellectual property rights
your unauthorised sharing, redistribution, republication, automated extraction or repackaging of any content
your unlawful use of the website or its content

This section does not apply to consumers to the extent it would be unenforceable under applicable law.

23. Complaints

If you have any complaint about a product, subscription, membership or digital content, please contact us via the contact form at https://365riskdesk.com/contact-risk-enquiry in the first instance.

24. Privacy and cookies

Use of the website is also subject to our Privacy Policy and Cookie Policy, which explain how we collect, use and protect personal data and how cookies or similar technologies may be used.

25. Suspension and termination

We may suspend, restrict or terminate your access to all or part of the website or any membership area where we reasonably believe that:

you have materially breached these Terms
you have infringed our intellectual property rights
you have shared paid access in an unauthorised way
payment has failed or been reversed
continued access creates legal, security or operational risk
there has been suspected scraping, automated extraction, unusual automated traffic, access circumvention or security abuse

Where appropriate, we may do this with or without prior notice.

On termination or expiry of your access rights, your right to access member areas and restricted content will end immediately unless we state otherwise. Any continuing right to retain previously downloaded materials will be limited to the scope of the licence granted under these Terms.

26. Changes to these Terms

We may update these Terms and Conditions from time to time.

The latest version will appear on this page with the effective date shown at the top. If the changes are material, we may take reasonable steps to bring them to your attention.

By continuing to use the website after updated Terms take effect, you agree to the revised version.

27. Order of precedence

Where a product page, sales page, checkout page or specific membership page contains additional terms applying to a particular product or service, those additional terms will apply alongside these Terms and Conditions.

If there is any conflict between these Terms and the specific terms applying to a particular product or service, the specific product or checkout terms will take precedence to the extent of that conflict.

28. Force majeure

We will not be liable for any failure or delay in performing our obligations under these Terms where that failure or delay results from events beyond our reasonable control, including interruption of internet services, communications failures, acts of government, industrial disputes, cyber incidents, supplier failures, utility outages or other external events beyond our reasonable control.

29. Severance

If any provision of these Terms is found to be unlawful, invalid or unenforceable, that provision shall be deemed severed and the remainder of these Terms shall continue in full force and effect.

30. No waiver

Any failure or delay by us in exercising any right or remedy under these Terms shall not operate as a waiver of that right or remedy.

31. Assignment

We may transfer or assign our rights and obligations under these Terms to another organisation as part of a business transfer, restructuring, acquisition or sale of assets, provided that doing so does not reduce any mandatory rights you have under applicable law.

You may not transfer or assign your rights or obligations under these Terms without our prior written consent.

32. Governing law and jurisdiction

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

If you are a consumer, you will retain any mandatory rights to rely on the law and jurisdiction protections that apply to you under applicable law.

If you are using the website in the course of business, the courts of England and Wales shall have exclusive jurisdiction in relation to any dispute arising out of or in connection with these Terms or your use of 365 Risk Desk.

33. Contact

If you have questions about these Terms and Conditions, please contact:

365 Performance Group Ltd
Trading as 365 Risk Desk
via the contact form at https://365riskdesk.com/contact-risk-enquiry
24 Clarence Road, PE36 6HQ