These terms and conditions outline the rules and regulations for the use of Power Academy’s Website.


Power Academy UK is located at:

Power Academy UK
6 Beauchamp Court
10 Victors Way
EN5 5TZ
London

By accessing this website, we assume you accept these terms and conditions in full. Do not continue to use Power Academy’s website if you do not accept all the terms and conditions stated on this page.

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and any or all Agreements: “Client”, “You” and “Your” refers to you, the person accessing this website and accepting the Company’s terms and conditions. “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers to our Company. “Party”, “Parties”, or “Us”, refers to both the Client and ourselves, or either the Client or ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner, whether by formal meetings of a fixed duration, or any other means, for the express purpose of meeting the Client’s needs in respect of provision of the Company’s stated services/products, in accordance with and subject to, prevailing law of United Kingdom. Any use of the above terminology or other words in the singular, plural, capitalisation and/or he/she or they, are taken as interchangeable and therefore as referring to same.

Cookies

We employ the use of cookies. By using Power Academy’s website you consent to the use of cookies in accordance with Power Academy’s privacy policy.

Most of the modern-day interactive web sites use cookies to enable us to retrieve user details for each visit. Cookies are used in some areas of our site to enable the functionality of this area and ease of use for those people visiting. Some of our affiliate / advertising partners may also use cookies.

License

Unless otherwise stated, Power Academy and/or it’s licensors own the intellectual property rights for all material on Power Academy. All intellectual property rights are reserved. You may view and/or print pages from www.poweracademyuk.com for your own personal use subject to restrictions set in these terms and conditions.

You must not:

  1. Republish material from www.poweracademyuk.com
  2. Sell, rent or sub-license material from www.poweracademyuk.com
  3. Reproduce, duplicate or copy material from www.poweracademyuk.com

Redistribute content from Power Academy (unless content is specifically made for redistribution).

Hyperlinking to our Content

  1. The following organizations may link to our Web site without prior written approval:
    1. Government agencies;
    1. Search engines;
    1. News organizations;
    1. Online directory distributors when they list us in the directory may link to our Web site in the same manner as they hyperlink to the Web sites of other listed businesses; and
    1. Systemwide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.
  2. These organizations may link to our home page, to publications or to other Web site information so long as the link: (a) is not in any way misleading; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site.
  3. We may consider and approve in our sole discretion other link requests from the following types of organizations:
    1. Commonly known consumer and/or business information sources such as Chambers of Commerce, American Automobile Association, AARP and Consumers Union;
    1. dot.com community sites;
    1. Associations or other groups representing charities, including charity giving sites,
    1. Online directory distributors;
    1. Internet portals;
    1. Accounting, law and consulting firms whose primary clients are businesses; and
    1. Educational institutions and trade associations.

We will approve link requests from these organizations if we determine that: (a) the link would not reflect unfavourably on us or our accredited businesses (for example, trade associations or other organizations representing inherently suspect types of business, such as work-at-home opportunities, shall not be allowed to link); (b)the organization does not have an unsatisfactory record with us; (c) the benefit to us from the visibility associated with the hyperlink outweighs the absence of ; and (d) where the link is in the context of general resource information or is otherwise consistent with editorial content in a newsletter or similar product furthering the mission of the organization.

These organizations may link to our home page, to publications or to other Web site information so long as the link: (a) is not in any way misleading; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and it products or services; and (c) fits within the context of the linking party’s site.

If you are among the organizations listed in paragraph 2 above and are interested in linking to our website, you must notify us by sending an e-mail to [email protected] Please include your name, your organization name, contact information (such as a phone number and/or e-mail address) as well as the URL of your site, a list of any URLs from which you intend to link to our Web site, and a list of the URL(s) on our site to which you would like to link. Allow 2-3 weeks for a response.

Approved organizations may hyperlink to our Web site as follows:

  1. By use of our corporate name; or
  2. By use of the uniform resource locator (Web address) being linked to; or
  3. By use of any other description of our Web site or material being linked to that makes sense within the context and format of content on the linking party’s site.

No use of  Power Academy logo or other artwork will be allowed for linking absent a trademark license agreement.

Iframes

Without prior approval and express written permission, you may not create frames around our Web pages or use other techniques that alter in any way the visual presentation or appearance of our Web site.

Reservation of Rights

We reserve the right at any time and in its sole discretion to request that you remove all links or any link to our Web site. You agree to immediately remove all links to our Web site upon such request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuing to link to our Web site, you agree to be bound to and abide by these linking terms and conditions.

Removal of links from our website

If you find any link on our Web site or any linked web site objectionable for any reason, you may contact us about this. We will consider requests to remove links but will have no obligation to do so or to respond directly to you.

Whilst we endeavour to ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we commit to ensuring that the website remains available or that the material on the website is kept up to date.

Content Liability

We shall have no responsibility or liability for any content appearing on your Web site. You agree to indemnify and defend us against all claims arising out of or based upon your Website. No link(s) may appear on any page on your Web site or within any context containing content or materials that may be interpreted as libellous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website (including, without limitation, any warranties implied by law in respect of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill). Nothing in this disclaimer will:

  1. limit or exclude our or your liability for death or personal injury resulting from negligence;
  2. limit or exclude our or your liability for fraud or fraudulent misrepresentation;
  3. limit any of our or your liabilities in any way that is not permitted under applicable law; or
  4. exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and exclusions of liability set out in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer or in relation to the subject matter of this disclaimer, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.

To the extent that the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

Coolingoff period/ Refund

If you entered into the contract over the phone, online through a partners e-commerce purchase or on your doorstep, you have 14 calendar days to cancel the contract under the Consumer Contracts Regulations. The coolingoff period starts the day after you agree to go ahead with the service and will entitle you to full refund minus an admin fee of £300 if the e-learning materials have been purchased. After this you will be liable for the whole course cost.

New credit legislation – How you will be impacted

New legislation has been adopted by the Swedish Parliament stating that if both credit and debit payment options are offered by a merchant, the debit option(s) must be presented before the credit option(s) in the checkout. This law takes effect 1 July 2020.

Here’s what you need to know if you have the following payment & checkout options:

Klarna Checkout (KCO): No action required.

Klarna will take care of all the logic to ensure debit payment options are shown first.

Klarna Payments (KP) with no debit options: No action required.

You are only required to make sure a debit option is placed as the first option if you offer it as a payment method.

Klarna Payment (KP) with debit options: Action required.

As a merchant, you are in control of the order in which payment methods are organized inside your checkout and will need to take steps to comply with the new law.

Continue reading for more details on how KCO will be presented, and what actions we recommend if you have KP with debit options.

What the new law means

New legislation (Regeringens proposition) adopted by the Swedish Parliament will take effect on 1 July 2020, and will only be applicable to Sweden. The law sets requirements on the presentation of payment methods in online checkouts, enforcing debit payment options to be displayed before any credit payment options, if both are available.

Obligations in the new regulation apply to any parties who present or process payment methods. This includes: merchants, partners, and Payment Service Providers (PSP) like banks. To navigate the new changes, we’ve published guidelines, to help our merchants and partners to ensure compliance with the legal requirements.

How checkout payment methods must be organized/displayed if you offer debit payment options as of 1 July, 2020How checkout payment methods must be organized/displayed if you offer debit payment options as of 1 July, 2020

How checkout payment methods must be organized if you do not offer a debit option as of 1 July, 2020How checkout payment methods must be organized if you do not offer a debit option as of 1 July, 2020

What does this mean for me as a merchant?

The impact for you as a merchant will depend on what payment methods you offer and what checkout solution you use. The new legislation does not require merchants to provide debit payment methods, but does regulate how to present them in an online checkout if you do.

Below is an overview of Klarna payment methods, and how each categorizes in terms of credit or debit options.

CategoryKlarna Payment methodCredit or debit?Can be presented first if other debit options exist?
Pay nowDirect debitDebitYes
Pay nowBank transferDebitYes
Pay nowCardCreditNo
Pay later14-day invoiceCreditNo
Pay laterMonthly invoiceCreditNo
FinancingKlarna accountCreditNo
FinancingPay monthly over X monthsCreditNo

What do I need to do to be prepared?

Merchants with Klarna Checkout (KCO v2 & v3)

No action needed. Klarna will update the current KCO solution for the Swedish market to make sure that the new legal requirements are followed. You will notice that debit payment methods such as Direct Debit, (when available), will be presented as the first option in your checkout.

Merchants with Klarna Payments (KP)

If you offer Klarna Payments in your checkout, Klarna cannot control the order or logic in which the payment methods are presented. Therefore, as a merchant you are solely responsible to ensure your checkout is compliant and lawful according to the new legislation before it enters into force (1 July 2020).

If you have Klarna Payments (KP) and multiple Klarna payment methods within the same widget then we will manage the logic of sorting these. If a debit payment option exists then that will be displayed first. Credit payment methods that include interest rate will always be displayed as the last option if others exist. If the multiple Klarna payment methods are placed in different widgets then we cannot control in what order they will be sorted.

Klarna will discontinue support of Klarna Payment Methods (KPM) as of September 2020. Action recommended.

Klarna will no longer be supporting KPM as of September 2020. For automatic updates (including legal compliance), we recommend all merchants move to Klarna Checkout (KCO) or Klarna Payments (KP). With KCO, Klarna will handle the sorting of payment methods for you. To migrate to KCO, you can use the self service flow that is available in the merchants portal (link). Please reach out to your Klarna account manager to get more information about pricing and how to transfer to Klarna Checkout or Klarna Payments.

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