MoroAK — Terms of Sale

September 2026

These Terms of Sale apply to every purchase of a digital product or tool from moroak.com. They sit alongside the Terms of Service, which govern your use of the platform whether or not you buy anything. This document is deliberately short and deliberately plain. A consumer who cannot finish reading it before paying has not been told anything, whatever the law says was disclosed. Everything you need in order to decide is in clauses 1 to 6; the rest is what happens afterwards.

1 · Who you are buying from

1.1 You are buying from MOROAK-NEY LTD, a company incorporated in England and Wales under company number 15533213, whose registered office is at Verona, Globe Road, Leeds, England, LS11 5FH ("MoroAK", "we", "us"). That is so wherever you are, and whatever you pay with.

1.2 MoroAK is the seller of every product sold through the platform, including products created by educators who publish on it. Your contract is with MoroAK and with nobody else. The educator who created a product is its author; they are not a party to this contract and you do not need to deal with them.

1.3 MoroAK Educação Inova Simples (I.S.), registered in Brazil under CNPJ 60.604.134/0001-43, whose registered office is at Rua Professor Guido Straube, 75, conj. 601, Vila Izabel, Curitiba, Paraná, CEP 80320-030, Brazil ("MoroAK-BR") is our Brazilian affiliate. It is not a seller of anything on this platform and is not a party to this contract. Its role is to pay educators who are resident in Brazil, because the payment system cannot pay a Brazilian account from outside Brazil.

1.4 You can reach us at info@moroak.com or on +44 7380 695425. Questions about payments, refunds and receipts go to billing@moroak.com.

2 · What you are buying

2.1 The products sold through the platform are digital content: interactive tools that run in your browser, courses, videos, and documents you can read and print. They are not physical goods and nothing is shipped to you. A course or a training is often a combination — some of it written material you can download and keep, some of it video recorded in advance, and some of it delivered live. The product page says which parts a particular product contains, and clause 6.4 says how cancellation works for each. An interactive tool, and any video, requires a web browser and an internet connection.

2.2 Each product page describes what that product does before you buy it. The description on the product page forms part of this contract.

2.2A What a product needs in order to run. Our interactive tools run in a current web browser — Chrome, Safari, Firefox or Edge, kept up to date — and nothing is installed. Where a product needs more than that, or produces a file for you to download, its product page says so before you buy, and clause 8.4 describes the personalisation applied to your copy. Our interactive tools need JavaScript and browser storage enabled, and video needs a connection able to stream it. Video is streamed and is not downloadable unless the product page says so. Before you pay, the checkout shows you a summary of your order and lets you correct anything you have entered.

2.3 Our products are professional information and educational material. They are not legal, tax, accounting or investment advice, they are not a substitute for advice on your own situation, and no professional relationship arises between you and MoroAK or between you and the author by your buying one.

2.4 Where a product produces a result, an assessment or a diagnostic output from information you enter, that output reflects the information you gave it. It is a starting point for a professional judgement, not the judgement itself.

3 · When the contract is made

3.1 Adding a product to your basket, or ticking to accept these Terms of Sale, does not by itself create a contract.

3.2 The contract is made when your payment is completed. If you leave the checkout without paying, no contract exists, even though we will have recorded that you read and accepted these terms.

3.3 We record your acceptance at the moment you give it — the version of this document, the language you read it in, and a cryptographic fingerprint of the exact text displayed to you. That record exists so that what you agreed to can be proved later, in your favour as much as ours.

4 · Price and payment

4.1 The price of each product is shown on its page in pounds sterling (GBP), and that is the currency in which you are charged — with one exception. If you are in Brazil and choose to pay by Pix, the price is shown and charged in Brazilian Reais (BRL), converted at the rate our payment provider applies at the moment of payment. The BRL figure displayed at checkout is the figure you pay.

4.1A Your bank or card issuer may apply its own charge for a payment in a currency other than your own. That charge is theirs, not ours, and we do not receive any part of it.

4.2 The price shown is the total you pay to us, and we add nothing at the payment step — no processing fee, no service charge, no separate delivery cost. If you are in Brazil and pay by Pix, Brazilian tax is charged on top by the payment system and not by us; clause 4.5 explains it and the checkout tells you before you pay.

4.3 The price shown is inclusive of any tax that applies to it. Where MoroAK is required to account for value added tax, goods and services tax or any equivalent, it is accounted for out of the price shown and is never added to it at the payment step. Your receipt shows the rate applied and the amount of tax included, so that you can see it rather than infer it.

4.4 Where MoroAK is registered for value added tax, goods and services tax or an equivalent, and you are buying as a business, you may enter your business tax number at checkout; where you do and the number is valid, the tax treatment of your purchase may differ and your receipt will show it. MoroAK holds no such registration at present, so no business tax number is requested at checkout and entering one would change nothing on your receipt. Either way, you do not have to enter one, and the price you pay is the price shown.

4.5 If you are in Brazil and pay by Pix, three things are true that are not true of a card payment. First, Brazilian IOF. A purchase from a supplier outside Brazil involves a currency exchange, and Brazil levies IOF at 3.5% on it. The payment system collects and remits it, MoroAK receives no part of it, and by default you bear it: the amount shown in your banking app is 3.5% above the price. The checkout tells you so before you pay. Where we elect to absorb it instead, the checkout says that too and the price shown is the whole of what leaves your account. Second, the name on your statement. The payment system's Brazilian partner, not MoroAK, appears as the recipient on your bank statement; MoroAK's name appears in the payment identifier. If you do not recognise a payment, check the identifier before you dispute it — and write to billing@moroak.com, which is faster. Third, limits. A single Pix payment may not exceed the equivalent of USD 3,000, and you may not pay us more than the equivalent of USD 10,000 in a calendar month by Pix. Above those limits, pay by card.

4.6 Payment is taken by our payment provider. We do not receive or store your card details.

4.7 If a payment fails, is reversed or is charged back, we will contact you and give you seven days to put it right before we suspend access. We restore access as soon as the payment is made good, and we do not suspend access where the reversal arose from an error by us or by a payment provider, or where you are exercising a right to dispute the charge. This does not affect your statutory rights.

4.8 Where a product is sold as a subscription, the product page states the amount charged, the billing period, the date of the first charge and the date of each renewal before you buy. The subscription renews automatically at the same price for the same period until you cancel. We will not change the price of a subscription you hold without at least thirty days' notice, and you may cancel free of charge at any time before the change takes effect. If you cancel within fourteen days of any charge, we refund that charge in full — clause 6.1 applies to a subscription like anything else, and clause 6.5 governs only what happens after those fourteen days.

5 · Delivery and access

5.1 Access is immediate. As soon as your payment completes you are taken to a confirmation page, and the product becomes available in your account under "My purchases".

5.2 As soon as your payment completes you are taken to a confirmation page, and we email you. That email is your confirmation of the contract and you should keep it. It contains your receipt, a link that opens what you bought, the version of these Terms of Sale you accepted, so you have the text and not only a reference to it, and the model cancellation form. If the email does not arrive, your access is unaffected — sign in and open the product from "My purchases", where the receipt is also available at any time. Tell us at billing@moroak.com if it does not arrive, because we would want to know.

5.3 Your access does not expire. You can return to a product you have bought as often as you like, for as long as you hold the account you bought it with.

5.4 If we ever close the platform, we will give you at least ninety days notice, make every document you have bought available to download and keep during that period, provide for every interactive tool you have bought either a downloadable record of your results and a self-contained offline version, or a refund of its price, and refund any purchase made in the twelve months before the notice on request.

5.5 Where a product includes a file to download, the download link is personal to you and is valid for 24 hours. You can generate a new one from "My purchases" at any time.

5.6 If we withdraw a product from sale, that does not remove it from the account of anybody who has already bought it.

6 · Cancellation and refunds

This clause is the whole of our refund position. There is no separate refund policy, and no other document adds to or subtracts from what follows.

6.1 The right in the box above applies wherever you live, and it applies whatever the product cost. It is not limited to consumers in any one country and it is not limited to our cheaper products.

6.2 You get instant access and you keep the fourteen days. Under Article 16(m) of Directive 2011/83/EU and section 47 of the Consumer Rights Act 2015, the cancellation right in digital content supplied immediately is lost once supply begins with your prior express consent and your acknowledgement that it will be lost. At checkout we ask for that consent and that acknowledgement, because they are the condition the law sets for supplying immediately. You are not obliged to give them — you may choose to wait instead. And whether you give them or not, we do not rely on the loss: your right to cancel within fourteen days is unaffected and clause 6.1 applies in full. If you are a consumer in Brazil, none of this reaches you at all — the right of withdrawal under article 49 of the Código de Defesa do Consumidor cannot be given up, we do not ask you to give it up, and confirming immediate access has no effect on it. Confirming immediate access costs you nothing and waives nothing.

6.3 If your local law gives you longer than fourteen days, or a right we have not described, you keep it. This includes, for consumers in the United Kingdom and the European Union, the statutory right to cancel a distance contract, and for consumers in Brazil the right of withdrawal under article 49 of the Consumer Code. Where we have failed to tell you about a cancellation right before you were bound, the period for exercising it is extended by law and we will honour the extended period.

6.4 · How the fourteen days works for each kind of product

We sell three kinds of thing, and cancellation works slightly differently for each — because of how each is delivered, not because of what it costs.

Subscriptions and plan changes

6.5 You can cancel a subscription at any time. Where you are outside the fourteen days in clause 6.1, access continues to the end of the billing period you have paid for and that period is not refunded. Inside the fourteen days, clause 6.1 applies and you get your money back.

6.6 If you change plan, the unused portion of your current plan is credited or refunded on request within five working days. We say "on request" deliberately: ask us and we will do it.

6.7 If we materially reduce a paid feature you rely on, you may cancel and receive a full refund of the most recent charge, within fourteen days of our telling you about the change.

After a refund, and misuse

6.8 If you cancel, your access ends. Anything you have already printed or saved is yours to keep as a record, but the licence in clause 8 ends with the refund and you may not continue to use the product.

6.9 If you cancel, you are refunded under clause 6.1 whatever else has happened. Where a product has been redistributed, resold or shared in breach of clause 8, that is a separate matter: we may end your licence and your access under clause 12.3 of the Terms of Service, and we may claim for the breach. We do not withhold or claw back a refund on that ground, because your right to cancel and our claim for misuse are two different things, and setting one against the other would defeat a right you cannot lose.

6.10 We acknowledge every message about a purchase, a refund, a receipt or a complaint immediately and by the same means you used, and we answer it substantively within five working days. A refund is processed immediately — we do not review or approve a cancellation — and typically reaches your payment method within five to ten business days, depending on your provider. A Pix payment can be refunded for ninety days after it was made; after that we refund by another route you nominate.

How to cancel

6.11 Write to billing@moroak.com with your order reference, or use the form below, and that is enough. Any clear statement of your decision to cancel works — an email in your own words is as good as the form, and the form is offered because we are required to offer it, not because you must use it. You do not need to give a reason and we do not ask for one. Where a cancellation control appears against a purchase in My purchases, you may use that instead; it is an additional route and not a condition, and nothing you are entitled to depends on it being there.

6.12 We acknowledge a cancellation immediately on receipt and notify our payment provider straight away. Clause 6.10 states the timescales that follow.

7 · If something is wrong with what you bought

7.1 If a product does not work, does not match its description, does not have the qualities, functionality, compatibility or interoperability you can expect, or is not fit for a purpose you told us about, tell us — that is a lack of conformity and you have remedies wherever you are. You may first ask us to bring it into conformity. If we do not do so within a reasonable time of your telling us and without significant inconvenience to you, or if it cannot be done, you may instead require a proportionate reduction in the price — up to and including the whole of it — or end the contract and be repaid, and you may recover any loss we caused, including damage to your device or to your other digital content. For the first year after we supply a product, a fault that appears is presumed to have been there when we supplied it unless we prove otherwise. In the United Kingdom these are sections 34 to 36 and 42 to 45 of the Consumer Rights Act 2015. In the European Union they are Articles 6 to 8 and 13 to 14 of Directive (EU) 2019/770 — in Spain, articles 115 bis and following and 118 to 120 of the TRLGDCU. In Brazil, articles 18 and 20 of the Código de Defesa do Consumidor apply: if we do not cure the defect within thirty days, the choice between replacement, re-performance, a proportionate reduction in the price, and return of what you paid with monetary correction and any loss, is yours alone — and you have thirty days to complain for a non-durable product and ninety for a durable one, from delivery or, for a hidden defect, from when it becomes apparent (article 26).

7.2 This is separate from clause 6. You do not need to be within fourteen days to complain that something is broken, and using the complaints route does not use up your cancellation right.

7.3 Write to info@moroak.com. We will acknowledge within two business days and respond substantively within five working days.

7.4 We do not currently subscribe to a consumer alternative dispute resolution scheme. We are telling you this because we are required to say whether we do.

8 · What you may do with what you bought

8.1 When you buy a product you get a personal, non-exclusive, non-transferable licence to use it for your own professional purposes, including in your own practice and for your own clients' matters.

8.2 You may use it as often as you like, print your results, and rely on it in your own work.

8.3 You may not resell it, redistribute it, share your access with anyone else, publish it, or incorporate it into a product or service you sell. You may not remove or alter the identification that appears on your copy.

8.4 Your copy is personalised to you. It carries your name and your order reference, on screen and on every page you print, together with a reference unique to that purchase. This is how a copy that has been passed on can be traced back to the account it came from. We do not print your email address on your copy — the order reference identifies it to us without publishing your contact details to anyone you show it to.

8.5 The intellectual property in each product belongs to its author. Nothing you buy transfers ownership of anything.

9 · Your account, your data, and our liability

These three subjects are governed by the Terms of Service and the Privacy Notice. They are cross-referenced here rather than restated, because the same rule written twice is the same rule until one of the two is edited.

9.1 Your account — clause 4 of the Terms of Service. You need an account to buy, because that is where your products live. Before your account closes we offer you a download of everything you have bought, and we do not complete the closure until you have had a reasonable opportunity to take it. Once it is closed we cannot restore access.

9.2 Your personal information — the Privacy Notice, which forms part of the information given to you before you buy. For a purchase, MoroAK is the data controller, wherever you live — including in Brazil. MoroAK-BR is not a controller of anything about you as a buyer. We keep records of purchases for six years because we are required to; closing your account does not delete a transaction record we must keep, but it is separated from your identity wherever it can be.

9.3 Our liability. The full statement is at clause 11 of the Terms of Service, which is linked from this page and readable without signing in. What follows is not a summary that narrows it — each of these applies to your purchase in its own right: we do not exclude liability for death or personal injury caused by our negligence, for fraud, or for anything else that cannot lawfully be excluded; nothing in this contract affects your statutory rights as a consumer; we are responsible for foreseeable loss caused by our breaking this contract; and the professional judgement you exercise on a product's output remains yours, because the products are informational. That does not exclude our responsibility for the product itself — if it does not work, does not match its description or is not of satisfactory quality, clause 7 applies and nothing here limits it. Nothing in this clause affects your rights under sections 34 to 36 of the Consumer Rights Act 2015, or any equivalent right where you live, that digital content be of satisfactory quality, fit for purpose and as described. If you are buying in the course of a business, clause 11.3 of the Terms of Service additionally excludes certain categories of loss and caps our total liability at the greater of what you paid us in the preceding twelve months and £100 — we say so here because clause 11.3 does not apply to a consumer and you are entitled to know which side of that line you are on. You are buying as a consumer if you are buying wholly or mainly outside your trade, business, craft or profession — and where the law where you live is wider than that, the wider definition is the one we apply. In the European Union that includes a legal person or an unincorporated body acting not for profit, and a contract of mixed purpose where the business element is marginal. In Brazil the test is article 2 of the Código de Defesa do Consumidor — whether you are the end user of the product — and you keep that protection even where you use the product in your own professional practice. We will not argue that clause 11.3 of the Terms of Service applies to you where the law of your own country treats you as a consumer.

10 · Changes, language, law and where disputes go

10.1 We may change these Terms of Sale. A change never applies to a purchase already made — the version you accepted governs your purchase, and we keep it. The current version is always readable on the platform without signing in, and every previous version is available on request.

10.2 The date at the top tells you which version you are reading. The version you accepted is recorded against your purchase under clause 3.3, together with the language you read it in and a fingerprint of the exact text displayed to you.

10.3 These Terms are published in English, Brazilian Portuguese and Spanish. The English text is the original. Each is a translation of one instrument, not a separate contract, and the version that binds you is the one you read when you bought.

10.4 These Terms are governed by the law of England and Wales, and the courts of England and Wales have non-exclusive jurisdiction. That is the law of the country in which MoroAK-UK is incorporated and from which it sells. If you are a consumer, that choice cannot deprive you of the protection of the mandatory rules of the country where you habitually reside — Article 6(2) of Regulation (EU) 593/2008 and its retained-law equivalent — and those rules apply to you in any event. You may bring proceedings against us either in the courts of your own country or in the courts of England and Wales; we may bring proceedings against you only in the courts of your own country. Clauses 10.5 to 10.7 say so in terms.

10.5 If you are a consumer, clause 10.4 does not take anything away from you. You keep every protection that cannot be derogated from by agreement under the law of the country where you habitually reside, and you may bring proceedings in the courts of that country. If you are a consumer domiciled in Brazil, the Código de Defesa do Consumidor applies to your purchase of its own force, and the courts of your own domicile are competent under article 101, I of that Code.

10.6 If we bring proceedings against you and you are a consumer, we will bring them only in the courts of the country where you habitually reside. Clause 10.4 gives us no wider right than that.

10.7 If you are not a consumer, clause 10.4 applies without the qualifications in clauses 10.5 and 10.6.