Terms of Service

1. Acceptance of Terms

These Terms of Service form a binding agreement between you and LOM Publishing Ltd, a company registered in the United Kingdom with its principal place of business at 12 Baker Street, London, W1U 3BH. By visiting our website, creating an account if offered, downloading resources, subscribing to communications, or purchasing any product on this site, you acknowledge that you have read, understood, and agree to be bound by these terms and by any policies referenced here, including our Privacy Policy available at /privacy/.

If you do not agree to these terms, do not use the website or purchase our products. If you are under 16 years of age, you may only use the website with the involvement and consent of a parent or legal guardian. By using the site, you confirm that you are at least 16 years old or have appropriate consent.

2. Service Description

LOM provides curated recommendations of books and magazines, original step-by-step guides, and structured online courses focused on self-development and ethical, skills-based ways to increase earning potential. Our services may include editorial content, downloadable templates, checklists, worksheets, videos, and optional newsletters. Unless expressly stated otherwise, our products are for educational purposes only and are provided digitally. We do not provide financial, legal, tax, or investment advice. Any examples, case studies, or references to income are illustrative and should not be interpreted as promises of similar outcomes.

3. Eligibility, Accounts, and Access

You may be required to create an account to access certain materials such as purchased courses. You agree to provide accurate, current, and complete information and to keep your credentials secure. You are responsible for all activities that occur under your account. One account is permitted per individual. We may refuse service, close accounts, or reclaim usernames at any time if we believe the terms are violated or for security reasons.

4. User Obligations

You agree to use the website lawfully and responsibly. You will not engage in scraping or harvesting data, reverse engineering, circumventing access controls, impersonating any person or entity, or uploading malicious code. You will not use the services to infringe third-party rights, to publish unlawful content, or to interfere with the normal functioning of the site. When interacting with our editorial content, you agree to evaluate information critically and, where necessary, seek professional advice before acting on it.

5. Intellectual Property

All content on this site, including text, graphics, videos, design elements, templates, and trademarks, is owned or licensed by LOM Publishing Ltd and protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the content for your personal, non-commercial use only. You may not reproduce, distribute, publicly display, modify, create derivative works from, sell, sublicense, or otherwise exploit any portion of the content without our prior written consent.

6. Licence to Downloads and Courses

When you purchase or receive access to a digital guide, template, or course, you are granted a personal licence to use those materials for your own learning. Unless expressly permitted, you may not share the files publicly, resell access, upload content to third-party libraries, or provide your login to others. You may adapt templates for your own use but must retain any copyright notices included in the files. Team or organisational licences, where available, will specify the number of permitted users and any additional restrictions.

7. Prohibited Activities

In addition to activities listed elsewhere in these terms, you agree not to: (a) use automated tools to access pages or download content at a rate that could impair our infrastructure; (b) decompile or attempt to derive source code for any part of the site; (c) bypass or disable security features; (d) upload, post, or transmit content that is unlawful, defamatory, harassing, hateful, or violates privacy; (e) misrepresent your affiliation with LOM; (f) engage in fraud, including payment fraud or chargeback abuse; (g) distribute counterfeit or unauthorised copies of our materials; or (h) use the services for any activity prohibited by applicable advertising, consumer protection, privacy, or intellectual property laws.

8. Pricing, Payments, and Refunds

Prices for products are displayed on the relevant pages. Taxes may be added where required by law. Payments are processed by third-party providers, and your use of those services may be subject to their terms. Access to digital products is typically delivered immediately upon successful payment. Unless stated on a specific product page, digital products are non-refundable once accessed or downloaded. If a file is defective, contact us at [email protected] within 14 days and we will provide a working replacement or, if unavailable, a refund for the defective item. We reserve the right to change prices, offer promotions, or discontinue products at any time while honouring purchases already made.

9. Disclaimers of Warranties

The services and content are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, LOM disclaims all warranties, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, quiet enjoyment, and non-infringement. We do not warrant that the services will be uninterrupted, timely, secure, error-free, or that results obtained from the content will be accurate or reliable. Educational materials may reference third-party tools or platforms that change over time; we are not responsible for such changes or their impact on your use cases.

10. Limitation of Liability

To the maximum extent permitted by law, LOM Publishing Ltd and its directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost revenue, loss of data, or business interruption, arising out of or in connection with your use of the services, even if advised of the possibility of such damages. Our total aggregate liability for all claims related to the services shall not exceed the amount you paid to LOM in the twelve (12) months preceding the event giving rise to the liability or €100, whichever is lower.

11. Indemnification

You agree to defend, indemnify, and hold harmless LOM Publishing Ltd, its affiliates, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising from or related to: (a) your use of the services; (b) your violation of these terms; (c) your infringement of any third-party right; or (d) content you submit or upload to the site.

12. Third-Party Links and Tools

Our website may contain links to third-party websites, resources, or tools that are not owned or controlled by LOM. We provide these links for convenience and informational purposes only. We do not endorse or assume any responsibility for the content, policies, or practices of third-party sites. If you access any third-party website from our site, you do so at your own risk and you understand that these terms do not apply to your use of such sites.

13. Privacy

Your privacy is important to us. Our data practices, including what information we collect, how it is used, and your rights under applicable law, are described in our Privacy Policy, which is incorporated by reference into these terms. By using the services, you consent to our processing of personal data as described in that policy and in accordance with applicable law.

14. Governing Law and Jurisdiction

These terms and any related non-contractual obligations are governed by the laws of England and Wales. You agree to the exclusive jurisdiction of the courts of London for the resolution of any dispute that cannot be resolved informally as described below.

15. Dispute Resolution

Before filing a claim, you agree to contact us at [email protected] and allow 30 days for an informal resolution process. During this period, both parties will make good-faith efforts to resolve the dispute. If the dispute is not resolved within 30 days, either party may bring proceedings exclusively in the courts specified in the Governing Law clause. Nothing in this section prevents either party from seeking injunctive or other equitable relief to prevent immediate, irreparable harm.

16. Termination and Suspension

We may suspend or terminate your access to the services, with or without notice, if we reasonably believe you have violated these terms, engaged in fraud or abuse, or posed a risk to other users or our systems. Upon termination, the licence granted to you will automatically end, but sections concerning intellectual property, disclaimers, limitation of liability, indemnification, governing law, dispute resolution, and other terms that by their nature should survive will continue to apply. You may stop using the services at any time; this will not affect any rights or obligations that arose prior to termination.

17. Modifications to the Services and Terms

We may update the services or these terms to reflect legal, regulatory, security, or operational changes. Unless a change is required by law or relates to a new feature, modifications to these terms will take effect 14 days after posting the updated version on this page. Continued use of the services after the effective date constitutes acceptance of the updated terms. If you do not agree to the changes, you must stop using the services before the effective date.

18. Availability and Maintenance

We aim to keep the website available and functional; however, downtime may occur due to maintenance, updates, or events beyond our control. Content may be added, removed, or changed without notice to keep materials accurate and relevant. We are not liable for any loss resulting from unavailability or delays.

19. Severability and Waiver

If any provision of these terms is found unenforceable by a competent court, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full force. Our failure to enforce any right or provision shall not be deemed a waiver of such right or provision.

20. Entire Agreement

These terms, together with any product-specific terms presented at purchase and our Privacy Policy, constitute the entire agreement between you and LOM regarding the services and supersede all prior or contemporaneous communications, proposals, or agreements, whether electronic, oral, or written, regarding the services.

21. Contact and Notices

LOM Publishing Ltd welcomes questions about these terms. For legal notices or customer support, contact us using the details below.

• Company: LOM Publishing Ltd
• Address: 12 Baker Street, London, W1U 3BH, United Kingdom
• Phone: +44 20 3808 7825
• Email for legal notices: [email protected]

Last Updated: January 15, 2026