Terms & Conditions
Welcome to PAM Life – Important Information
Thanks for using our products and services by using our services, you are agreeing to these terms. Please read them carefully. Our services are very diverse, so sometimes additional terms or product requirements may apply. Additional terms will be available with the relevant Services, and those additional terms become part of your Agreement with us if you use those Services. By accessing our websites and using our services you confirm that you have understood and agree to be bound by the following terms and conditions. This website and any information provided are for the use within the United Kingdom.
These Terms of Sale, together with any and all other documents referred to herein, set out the terms under which Services are sold and provided by Us through this website, (“Our site”). Please read these Terms of Sale carefully and ensure that you understand them before ordering any Services from Our site. You will be required to read and accept these Terms of Sale when ordering Services. If you do not agree to comply with and be bound by these Terms of Sale, you will not be able to order Services through our site. These Terms of Sale, as well as any and all Contracts are in the English language only.
1. Definitions and Interpretation
1.1 In these Terms of Sale, unless the context otherwise requires, the following expressions have the following meanings:
“Contract” Means a contract for the purchase and sale of services, as explained in Clause 8;
“Order” means your order for the services;
“Order Confirmation” means our acceptance and confirmation of your order;
“Services” means the services which are to be provided by us to you as specified in your order and confirmed in our order confirmation;
“We/Us/Our” means PAM Life Limited a company registered in England under 11966045, whose registered address is Holly House, 73-75 Sankey Street Warrington, Cheshire WA1 1SL
“You” the services that you are entering into are for a single person only during that contracts term. You are the individual and are not permitted to share your access to the website or services with any other person.
2. Information About Us
2. Access to and Use of Our site
2.1 Access to our site is free of charge.
2.2 It is your responsibility to make any and all arrangements necessary in order to access Our site.
2.3 Access to Our site is provided “as is” and on an “as available” basis. We may alter, suspend or discontinue Our site (or any part of it) at any time and without notice. We will not be liable to you in any way if Our site (or any part of it) is unavailable at any time and for any period.
3. Age Restrictions
3.1 Consumers may only purchase Services through Our site if they are at least 16 years of age.
4. Business Customers
These Terms of Sale do not apply to customers purchasing Services in the course of business. [If you are a business customer, please consult our Business Terms of Sale.
5. Services Location
Our Services are delivered from the United Kingdom we will offer services to global customers based on services being provided in English language and operation hours and customs within the United Kingdom.,
6. Services, Pricing and Availability
6.1 We make all reasonable efforts to ensure that all general descriptions of the Services available from Us correspond to the actual Services that will be provided to you, however please note that the exact nature of the Services may vary depending upon your individual requirements and circumstances.
6.2 Please note that sub-Clause 7.1 does not exclude our responsibility for mistakes due to negligence on our part and refers only to variations of the correct Services, not to different Services altogether.
6.3 Where appropriate, you may be required to select the required coaching services.
6.4 We neither represent nor warrant that all Services will be available at all times and cannot necessarily confirm availability until confirming your Order. Availability indications are not provided on our site
6.5 We make all reasonable efforts to ensure that all prices shown on our site are correct at the time of going online. We reserve the right to change prices and to add, alter, or remove special offers from time to time and as necessary. All pricing information is reviewed and updated every week changes in price will not affect any Order that you have already placed (please note sub-Clause 7.8 regarding VAT, however).
6.6 All prices are checked by us when we process your order. In the unlikely event that we have shown incorrect pricing information, We will contact you in writing before proceeding with your order to inform you of the mistake and to ask you how you wish to proceed. We will give you the option to purchase the services at the correct price or to cancel your order (or the affected part thereof). We will not proceed with processing your order until you respond. If we do not receive a response from you within 72 hours, We will treat your order as cancelled and terminate your access to our services.
6.7 In the event that the price of services you have ordered changes between your order being placed and us processing that order and taking payment, you will be charged the price shown on our site at the time of placing your order.
6.8 All prices on our site include VAT. If the VAT rate changes between your order being placed and us taking payment, the amount of VAT payable will be automatically adjusted when taking payment.
7. Orders – How Contracts Are Formed
7.1 Our site will guide you through the ordering process. Before submitting your order to us you will be given the opportunity to review your Order and amend any errors. Please ensure that you have checked your order carefully before submitting it.
7.2 No part of our site constitutes a contractual offer capable of acceptance. Your order constitutes a contractual offer that we may, at our sole discretion, accept. Our acknowledgement of receipt of your order does not mean that we have accepted it. Our acceptance is indicated by us sending you an order confirmation by email. Only once we have sent you an order confirmation will there be a legally binding contract between us and you (“the Contract”).
7.3 Order confirmations shall contain the following information:
7.3.1 Confirmation of the services ordered including full details of those services;
7.3.2 Fully itemised pricing and payments for the services ordered including, where appropriate, taxes and other additional charges;.
7.4 If we, for any reason, do not accept or cannot fulfil your order, no payment shall be taken under normal circumstances. If we have taken payment any such sums will be refunded to you as soon as possible and in any event within 14 days.
7.5 We aim to be transparent in all our dealings with you. The contract with us will commence once you have placed your order. We will not take our first payment until 28 days after you have submitted your order and the services have been made available to you. The order that you have entered into on our site is the contractual term that you have agreed to and accepted.
7.6 You may change your Order at any time before we commence the staking our first payment. If you change your order, we will confirm all agreed changes in writing.
7.7 If you change your mind, you may cancel your Order or the Contract before or after we begin providing the Services subject to these Terms of Sale. For details of your cancellation rights, please refer to Clauses 11 and 12.
7.8 We may cancel your order at any time before we begin providing the Services in the following circumstances:
8.8.1 The required personnel and/or required materials necessary for the provision of the Services are not available; or
8.8.2 An event outside of our control continues for more than 7 days (please refer to Clause 16 for events outside of Our control).
7.9 If we cancel your order under sub-Clause 8.9 and we have taken payment any such sums will be refunded to you as soon as possible and in any event within 14 days. If we cancel your order, you will be informed by email and the cancellation will be confirmed in writing.
7.10 Any refunds due under this Clause 8 will be made using the same payment method that you used when ordering the Services unless you specifically request that we make a refund using a different method.
8.1 Annual Contract - We offer a discounted price for an Annual Contract for the services provided this will be due in the form of a payment of 100% of the total price for the services 28 days after the service has commenced. You will have the right to cancel the service before the 28 days and the payment has been taken. You will not be charged for the service if you cancel before the 28 days.
8.2 Once payment has been taken then you are committed to the contract for the full year no right to cancel is permitted without our agreement.
8.3 Pay As You Go Contract – is a rolling monthly contract on a pay as you go basis. You will have the right to cancel the contract within the first 28 days of the services being provided at no cost to you. Once the first payment has been taken then the contract will automatically renew for the next month and payment for the next month will be owed by you. Payment will be taken each month until you notify us that you wish to terminate the contract or upgrade to an Annual Contract.
8.4 Once Notice to cancel is served by you the final month payment of the contract will be due and collected.
8.5 Price and payment details will be confirmed in the Order Confirmation. Your chosen payment method will be charged as indicated.
8.6 We accept the following methods of payment on our site:
8.6.1 Credit or debit card;
8.7 We do not charge any additional fees for any of the payment methods listed in sub-Clause 9.2
8.8 If you do not make any payment to us by the due date as shown in/on your order confirmation. We may charge you interest on the overdue sum at the rate of 4% per annum above the base lending rate of HSBC Bank Plc from time to time. Interest will accrue on a daily basis from the due date for payment until the actual date of payment of the overdue sum, whether before or after judgment. You must pay any interest due when paying an overdue sum.
8.9 The provisions of sub-Clause 9.4 will not apply if you have promptly contacted us to dispute an invoice in good faith. No interest will accrue while such a dispute is ongoing.
9. Provision of the Services
9.1 As required by law, we will provide the Services with reasonable skill and care, consistent with best practices and standards in the Healthcare Sector and in accordance with any information provided by us about the services and about us. We will begin providing the services on the date agreed when you make your Order..
9.2 We will continue providing the Services for the period that you have contracted to at the time of ordering OR until the estimated completion date set out in the Order Confirmation.
9.3 We will make every reasonable effort to provide the services in a timely manner and to complete them on time. We cannot, however, be held responsible for any delays if an event outside of our control occurs. Please refer to Clause 16 for events outside of our control.
9.4 If we require any information or action from you in order to provide the services, We will inform you of this as soon as is reasonably possible. depending upon the nature of the services you have ordered,
9.5 If the information you provide or the action you take under sub-clause 10.4 is delayed, incomplete or otherwise incorrect, We will not be responsible for any delay caused as a result. If additional work is required from us to correct or compensate for a mistake made as a result of delayed, incomplete or otherwise incorrect information or action that you have provided or taken, We may charge you a reasonable additional sum for that work.
9.6 In certain circumstances, for example where there is a delay in you sending us information or taking action required under sub-clause 10.4, We may suspend the services and will inform you of that suspension by email.
9.7 In certain circumstances, for example where We encounter a technical problem, we may need to suspend or otherwise interrupt the services to resolve the issue. Unless the issue is an emergency that requires immediate action, we will inform you in advance by email or by publishing an announcement on our public websites before suspending or interrupting the Services.
9.8 If the Services are suspended or interrupted under sub-clauses 10.6, or 10.7 you will not be required to pay for them during the period of suspension. If it lasts for longer than 1 day. You must, however, pay any sums that may already be due by the appropriate due date(s).
9.9 If you do not pay us for the services as required by Clause 9, we may suspend the services until you have paid any and all outstanding sums due. If this happens, we will inform you by email. his does not affect our right to charge you interest on any overdue sums under sub-clause 9.4.
10. Your Legal Right to Cancel (Cooling Off Period)
10.1 PAM Life offer a trial period with a delayed payment service offering If you are a consumer you have a legal right to a “cooling off” period within which you can cancel the contract for any reason. This period begins once your order is accepted and We have sent you an Order Confirmation, i.e. when the contract between you and us is formed. The period ends at the end of 28 calendar days after that date.
10.2 If you wish to exercise your right to cancel under this Clause 11, you must inform us of your decision within the cooling off period. You may do so in any way you wish, however for your convenience We offer a cancellation form on Our site and will include a link to it with the Order Confirmation. Cancellation by email is effective from the date on which you send Us your message. Please note that the PAM Life guarantee period lasts for whole calendar days. If, for example, you send Us an email or letter by 23:59 on the final day of the cooling off period, your cancellation will be valid and accepted. If you would prefer to contact Us directly to cancel, please use the following details:
10.3 We may ask you why you have chosen to cancel and may use any answers you provide to improve our services in the future, however please note that you are under no obligation to provide any details if you do not wish to.
10.4 If the Services are fully performed or available within the 28 day PAMLife trial period, you will lose your right to cancel after the first or only payment has been made.
10.4.1 If you notify us of your decision to cancel the service before the 28 day trail period has been completed we will not charge you. In the event that we have taken a payment from you we will refund that payment to you. Refunds, where applicable, will be issued within 14 days. Refunds will be made using the same payment method you used when ordering the Services
11. Cancellation After the Legal Cancellation Period
11.1 Cancellation of Contracts after the PAMLife trial period has elapsed shall be subject to the specific terms governing those services and will be subject to a minimum contract duration. Details of the relevant duration, cancellation provisions and notice periods will be provided and confirmed in our Order Confirmation.
11.3 You may be entitled to cancel immediately by giving us written notice in the following circumstances:
11.3.1 We breach the Contract in a material way and fail to remedy the breach within 7 days of you asking us to do so in writing; or
11.3.2 We go into liquidation or have a receiver or administrator appointed over Our assets; or
11.3.3 We change these Terms of Sale to your material disadvantage; or
11.3.4 We are adversely affected by an event outside of Our control [that continues for more than 14 days (as under sub-Clause 16.2.5).
11.4 Eligibility for refunds may vary according to the services ordered. You will be required to pay for services supplied up until the point at which you inform us that you wish to cancel (please note that this may include charges for preparatory work that We have undertaken where We have reasonably incurred costs). Such sums will be deducted from any refund due to you or, if no refund is due, Details of the relevant terms will be provided and confirmed in our Order Confirmation. If you are cancelling due to Our failure to comply with these Terms of Sale or the Contract, you will not be required to make any payment to us (unless such failure is due to an event outside of our control or is due to your failure to comply with any of your obligations).
12. Our Rights to Cancel
12.1 For cancellations before we begin providing the services, please refer to sub-Clause 8.9.
12.2 We may cancel the services after We have begun providing them due to an event outside of our control that continues for more than 14 days (as under sub-Clause 16.2.4), or due to the non-availability of required personnel and/or required materials necessary for the provision of the services. In such cases, you will only be required to pay for services that We have already provided up until the point at which we inform you that we are cancelling the contract. Such sums will be deducted from any refund due to you no payment will be due from you and if you have already made any payment to us, such sums will be refunded to you].
12.3 Once we have begun providing the services, We may cancel the contract at any time and will give you at least 7 days written notice of such cancellation. You will only be required to pay for services that you have received.
12.4 Refunds due under this Clause 13 will be issued to you and in any event no later than 14 calendar days after the day on which We inform you of the cancellation. Refunds will be made using the same payment method you used when ordering the Services
12.5 We may cancel immediately by giving you written notice in the following circumstances:
12.5.1 You fail to make a payment by the due date as set out in Clause 9. This does not affect our right to charge you interest on any overdue sums as set out in sub-Clause 9.4; or
12.5.2 You breach the contract in a material way and fail to remedy the breach within 24 hours of us asking you to do so in writing.
12.5.3 You breach the terms of this agreement by allowing other people to access this service using your log on details and denying PAMLife from delivering its services and receiving payment for these services from another person.
13. Problems with the Services and Your Legal Rights
13.1 We always use reasonable endeavours to ensure that our services are trouble-free. If, however, there is a problem with the services please contact Us as soon as is reasonable possible.
13.2 We will use reasonable endeavours to remedy problems with the services as quickly as is reasonably possible and practical.
13.3 We will not charge you for remedying problems under this clause 14 where the problems have been caused by us, any of our agents or associates, or where nobody is at fault. If We determine that a problem has been caused by you, including your provision of incorrect or incomplete information or taking of incorrect action, sub-Clause 10.5 will apply and we may charge you for the remedial work.
13.4 As a consumer, you have certain legal rights with respect to the purchase of services. For full details of your legal rights and guidance on exercising them, it is recommended that you contact your local Citizens Advice Bureau or Trading Standards Office. If We do not perform the services with reasonable skill and care, you have the right to request repeat performance or, if that is not possible or done within a reasonable time without inconvenience to you, you have the right to a reduction in price. If the Services are not performed in line with information that we have provided about them, you also have the right to request repeat performance or, if that is not possible or done within a reasonable time without inconvenience to you (or if Our breach concerns information about us that does not relate to the performance of the Services), you have the right to a reduction in price. If for any reason we are required to repeat the Services in accordance with your legal rights, we will not charge you for the same and we will bear any and all costs of such repeat performance. In addition to your legal rights relating directly to the services, you also have remedies if We use materials that are faulty or incorrectly described.
14. Our Liability
14.1 We will be responsible for any foreseeable loss or damage that you may suffer as a result of our breach of these Terms of Sale or as a result of our negligence. Loss or damage is foreseeable if it is an obvious consequence of our breach or negligence or if it is contemplated by you and us when the contract is created. We will not be responsible for any loss or damage that is not foreseeable.
14.2 We provide services for your personal use only. We make no warranty or representation that the services are fit for commercial, business or industrial purposes of any kind. We will not be liable to you for any loss of profit, loss of business, interruption to business or for any loss of business opportunity.
14.3 Nothing in these Terms of Sale seeks to exclude or limit Our liability for death or personal injury caused by Our negligence (including that of our employees, agents or associates); or for fraud or fraudulent misrepresentation.
14.4 Nothing in these Terms of Sale seeks to exclude or limit our liability for failing to perform the services with reasonable care and skill or in accordance with information provided by us about the services.
14.5 Nothing in these Terms of Sale seeks to exclude or limit your legal rights as a consumer. For more details of your legal rights, please refer to Your local Citizens Advice Bureau or Trading Standards Office.
15. Events Outside of Our Control (Force Majeure)
15.1 We will not be liable for any failure or delay in performing our obligations where that failure or delay results from any cause that is beyond our reasonable control. Such causes include, but are not limited to: power failure, internet service provider failure, industrial action by third parties, civil unrest, fire, explosion, flood, storms, earthquakes, subsidence, acts of terrorism, acts of war, governmental action, epidemic or other natural disaster, or any other event that is beyond our reasonable control
15.2 If any event described under this clause 16 occurs that is likely to adversely affect our performance of any of our obligations under these Terms of Sale:
15.2.1 We will inform you as soon as is reasonably possible;
15.2.2 Our obligations under these Terms of Sale (and therefore the contract) will be suspended and any time limits that We are bound by will be extended accordingly;
15.2.3 We will inform you when the event outside of our control is over and provide details of any new dates, times or availability of services as necessary;
15.2.4 If the event outside of our control continues for more than 14 days We may cancel the contract and inform you of the cancellation. Any refunds due to you as a result of that cancellation will be paid to you as soon as is reasonably possible and no later than 14 calendar days after the date on which We inform you of the cancellation;
15.2.5 If an event outside of our control occurs and continues for more than 14 days and you wish to cancel the contract as a result, you may do so in any way you wish, however for your convenience We offer a cancellation form on our site If you would prefer to contact Us directly to cancel, please use the following details:
Post: PAMLife Holly House 73-75 Sankey Street, Warrington Cheshire WA1 1SL;
16. Communication and Contact Details
17. Complaints and Feedback
17.1 We always welcome feedback from our customers and, whilst We always use all reasonable endeavours to ensure that your experience as a customer of ours is a positive one, We nevertheless want to hear from you if you have any cause for complaint.
17.2 All complaints are handled in accordance with our complaints handling policy and procedure, available from website.
17.3 If you wish to complain about any aspect of your dealings with Us, please contact Us in one of the following ways:
18. How We Use Your Personal Information (Data Protection)
18.1 All personal information that We may use will be collected, processed, and held in accordance with the provisions of EU Regulation 2016/679 General Data Protection Regulation (“GDPR”) and your rights under the Data Protection Act (2018)
18.3 We will process your personal data for the following reasons:
18.3.1 For the administration and management of our service
18.3.2 For the promotion of health and wellbeing services
18.3.3 For the provision of health and wellbeing services to you
18.3.4 For the purposes of marketing our services or services of selected partners related to our services
18.3.5 We will only process your health data as part of the services being delivered to you.
18.3.6 We will use your anonymous data for statistical purposes in the delivery of our services.
18.3.7 We will never share or sell your health data
19. Other Important Terms
19.1 We may transfer (assign) our obligations and rights under these Terms
19.2 If any of the provisions of these Terms of Sale are found to be unlawful, invalid or otherwise unenforceable by any court or other authority, that / those provision(s) shall be deemed severed from the remainder of these Terms of Sale. The remainder of these Terms of Sale shall be valid and enforceable.
19.3 No failure or delay by us in exercising any of our rights under these Terms of Sale means that we have waived that right, and no waiver by Us of a breach of any provision of these Terms of Sale means that we will waive any subsequent breach of the same or any other provision.
19.4 We may revise these Terms of Sale from time to time in response to changes in relevant laws and other regulatory requirements. If we change these Terms of Sale at any time, we will give you at least 7 days written notice of the changes before they come into effect. We will publish the current Terms and Conditions on our website and update you to the fact that a change in these terms has been made.
Law and Jurisdiction
21.1 These Terms and Conditions, and the relationship between you and us (whether contractual or otherwise) shall be governed by, and construed in accordance with the law of England & Wales. .
PAM Life Limited
Holly House 73-75 Sankey Street Warrington Cheshire WA1 1SL
(t) 0800 XXXXXXXX
21.2 any dispute, controversy, proceedings or claim between you and us relating to these Terms and Conditions, or the relationship between you and Us (whether contractual or otherwise) shall be subject to the jurisdiction of the courts of England, Wales.
21.4 If you are a business, any disputes concerning these Terms and Conditions, the relationship between you and Us, or any matters arising therefrom or associated therewith (whether contractual or otherwise) shall be subject to the [non] exclusive jurisdiction of the courts of England & Wales.