Terms and conditions

1. These terms

1.1 What these terms cover. These are the terms and conditions on which we supply our OME Health program (“Program”) to you, that is comprised of a Welcome Kit, sample testing services and various features on our website and mobile application.

1.2 Why you should read these Terms. Please read these terms carefully before you submit your order to us. These terms tell you who we are, how we will provide the Program to you, how you and we may change or end the contract, what to do if there is a problem and other important information. If you think that there is a mistake in these terms, please contact us to discuss it.

1.3 Please pay particular attention to the following clauses: 2.2 (which makes it clear that the Program is not for medical purposes); 3 (important information regarding the nature of our tests and their results), 5 (which refers to our Disclaimer), 7.2 (which provides for auto-renewal of your subscription), and 18.1 (which limits our liability to you).

2. OME Health

2.1 What is OME Health? OME Health is a wellness program which is tailored to your own lifestyle, biology and environment.

2.2 OME Health is not a medical program. It is not used for medical purposes. It cannot be used to prevent disease, or diagnose, monitor, treat or compensate for any disease, illness or medical condition. Nor can it be used to control conception, or investigate, replace or modify anatomy or any physiological process.

2.3 As part of the Program, you will collect blood, microbiome and saliva samples that will be provided to and tested by our partner laboratories in the UK and the USA and tested for indicators (including genetic indicators) of aspects of your health and well-being. This will only be processed if you provide your consent under a consent document we provide during the Welcome Kit activation process. We will also provide you with a fitness tracker.

2.4 We will then profile your sample test and fitness tracker results using our well-being experts and proprietary technology, to provide you with personalised lifestyle recommendations including diet, exercise and sleep. These recommendations will then be available on the OME Health website and for discussion with our team by means of Messenger.

2.5 You must be at least 18 years of age in order to register for the Program. Do not attempt to register for the Program unless you are at least 18 years old.

3. Biomarker Data

3.1 The test samples you send to our partner labs for analysis will be analysed to produce data related to your genotype and other biomarkers (“Biomarker Data”). We will share with you representations of findings from this data by means of the OME Health website.

3.2 Biomarker Data, like the results of any DNA, genotype or other biomarker-based test results, has limitations. For example:

(a) We measure many points of information derived from your samples, but only a small percentage of them relate to human traits;

(b) many ethnic groups differ or are not included at all in many genetic studies, and some scientific studies may be based solely on research of one gender, so as a result some of the interpretations that we provide may not apply to you.

3.3 Further development in the future regarding the carrying out of genetic and biological test research may change how your Biomarker Data is interpreted by us and our partner labs. If your Biomarker Data tells you that you do not have an elevated risk for a particular condition, you should not assume that you are entirely protected from this condition. Similarly, if your Biomarker Data tells you that you are at higher risk for a particular condition, it does not mean that you will develop this condition. If you have concerns or questions regarding any of this, you should contact your doctor.

3.4 The limits referred to in clauses 3.2 and 3.3 mean that Biomarker Data does not give a complete or enduring picture of your heath or well-being. It is only one aspect of your entire health and well-being outlook and should not be assumed to be the determinant of any particular course of action. Environmental factors and lifestyle choices can also be significant indicators which need to be borne in mind when considering any course of action.

4. Risks of the program

4.1 Before you subscribe to the Program you need to be certain that it is the right thing for you. The test results, including the genetic data from your saliva test, may be a surprise for you. That surprise may be unwelcome and troubling, and there might be no practical way for you to take action to change the findings.

4.2 Your samples might not produce any meaningful results – for example, our partner labs may get an insufficient sample that prevents processing your biomaterials for results or human error may result in a mistake. Some samples collected and processed may be not be able to be interpreted accurately or correctly. If that happens, we will contact you to obtain new samples.

4.3 Any Biomarker Data that you share with other people can be used against your best interests. Therefore, you should be extremely cautious when sharing your Biomarker Data. If you have any doubts, take legal advice.

4.4 Biomarker Data that you choose to share with your doctor can become part of your medical records and can potentially be accessed by others including health care providers or insurance companies.

4.5 Disclosing your Biomarker Data to anyone – especially employers or insurers – can be used against your interests either at the time of disclosure or in the future.

5. Disclaimer

5.1 It is a condition of your registering for the Program that you review and accept the OME Health Disclaimer (https://ome.health/disclaimer). You will not be permitted to register for the Program unless you indicate that you have read, understood and acknowledged it.

6. Information about us and how to contact us

6.1 Who we are. We are UAB Amziaus genomika, a wholly-owned subsidiary of Century Genomics Limited. Our company registration number is 304226633 and our registered office is at Pilies St. 16, LT-01123 Vilnius, Lithuania. Our registered VAT number is LT100010562918.

6.2 How to contact us. You can contact us by writing to us at hello@ome.health.

6.3 How we may contact you. If we have to contact you we will do so by means of your account area on the OME Health website, by telephone or by writing to you at the email address or postal address you provided to us in your order.

6.4 “Writing” includes emails. When we use the words “writing” or “written” in these terms, this includes emails.

7. Your Contract

7.1 How we will accept your order. Our acceptance of your order will take place when we email you to accept it, at which point a contract will come into existence between you and us.

7.2 Duration. The contract for our provision of the Program to you will commence on the date specified in our email accepting your order, and continue for a period of 12 months (“Initial Subscription Term”), after which date it will automatically renew for additional periods of 1 month (each a “Renewal Period”) unless you notify us of termination before the end of the Initial Subscription Term or any Renewal Period, in which case the contract will terminate upon the expiry of the Initial Subscription Term (or Renewal Period, as the case may be). We will notify you in advance of the renewal date to remind you of this.

7.3 If we cannot accept your order. If we are unable to accept your order, we will inform you of this by email and will not charge you for the Program. This might be because an item in our Welcome Kit is out of stock, because of unexpected limits on our resources which we could not reasonably plan for, because we have identified an error in the price or description of the Program or because we are unable to meet a delivery deadline you have specified.

7.4 Your order number. We will assign an order number to your order and tell you what it is when we accept your order. It will help us if you can tell us the order number whenever you contact us about your order.

7.5 We only promote the Program to users in the UK. Our website is solely for the promotion of our Program to users in the UK. We make no warranty as to the compliance of the Program with any applicable laws or regulations of any territory other than the United Kingdom.

7.6 Your taking samples. It is crucial that you follow our sample taking and sample maintenance instructions which will be provided to you in your Welcome Kit. You can review these before you place your order, by reviewing the instructional video on the ome.health website.

8. your online assessment

8.1 Making sure your online assessment is accurate. We personalise the Program to fit information you provide us with in an online assessment regarding your health history, dietary habits, exercise, sleep and wellness goals. This is your “Online Assessment”. You are responsible for ensuring that this information is correct.

9. research based on your information

9.1 You agree that we can provide anonymised information obtained from your Online Assessment, your Biomarker Data, or any results from tests on the samples you provide, for research and development purposes (including improving the Program). We may also authorise others to do so, in accordance with our Privacy Policy. To be clear, we will not disclose (without your prior consent) to any person or entity any part of your Online Assessment, Biomarker Data or test results which identifies you personally.

9.2 You agree that you will have no rights over any such research or any aspect of the Program. You agree that you will have no claim over any intellectual property rights in such research or the Program.

9.3 You agree that you will not have any right to any royalty, compensation or other payments as a result of any use by any person of any Online Assessment, your Biomarker Data, or any results from tests on the samples you provide.

10. Security Credentials

10.1 Any account login details, user identification code or password for the Program are part of our security procedures and must be treated by you as confidential. You must not disclose it to any third party.

10.2 If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at hello@ome.health.

11. Our rights to make changes

11.1 Minor changes to the Program. We may change the Program:

(a) to reflect changes in relevant laws and regulatory requirements. An example would be a change in the way that DNA testing or wellness tracking are regulated, which could impact how we provide those aspects of the OME Health program; and

(b) to implement technical adjustments and improvements, for example to address a security threat or to change the way we present data on our website, or adopt use of a different messaging platform.

11.2 Welcome Kit packaging may vary. The packaging of the Welcome Kit and its contents may vary from that shown in images on our website.

12. Providing you with the program

12.1 We will provide you with the Welcome Kit within 10 days of our acceptance of your order.

12.2 Please read carefully the Consent Form contained in the Welcome Kit.

12.3 Note that the blood sample must be dispatched to our partner lab in accordance with the instructions in the Welcome Kit, within 1 day of the sample being taken. You must ensure that none of the samples are exposed to temperatures above 30 degrees Celsius.

12.4 When we will provide the Program. We will supply the Program to you until you terminate your subscription or you end the contract as described in clause 13 or we end the contract by written notice to you as described in clause 15.

12.5 We are not responsible for delays outside our control. If our supply of the Welcome Kit is delayed by an event outside our control, then we will contact you as soon as possible to let you know and we will take steps to minimise the effect of the delay. Provided we do this we will not be liable for delays caused by the event, but if there is a risk of substantial delay you may contact us to end the contract and receive a refund.

12.6 If you are not at home when the Welcome Kit is delivered. If no one is available at your address to take delivery and the Welcome Kit cannot be posted through your letterbox, we will leave you a note informing you of how to rearrange delivery or collect the Welcome Kit from a local depot.

12.7 If you do not re-arrange delivery. If you do not collect the Welcome Kit from us as arranged or if, after a failed delivery to you, you do not re-arrange delivery or collect them from a delivery depot we will contact you for further instructions and may charge you for storage costs and any further delivery costs. If, despite our reasonable efforts, we are unable to contact you or re-arrange delivery or collection we may end the contract and clause 15.2 will apply.

12.8 If you do not allow us access to provide the Program. If you do not provide us with samples in accordance with the Welcome Kit instructions and Consent Form, or allow us to perform the Program services as arranged we will continue to charge you for the agreed monthly payments until the end of the Initial Subscription Period.

12.9 Your legal rights if we deliver late. You have legal rights if we deliver the Welcome Kit late. If we miss the delivery deadline for the Welcome Kit, then you may treat the contract as at an end straight away only if we have refused to deliver the Welcome Kit at all. If we are just late, then you can set a new deadline for delivery in accordance with clause 12.10 below.

12.10 Setting a new deadline for delivery. If you do not wish to treat the contract as at an end straight away, or do not have the right to do so under clause 12.9, you can give us a new deadline for delivery, which must be reasonable, and you can treat the contract as at an end if we do not meet the new deadline.

12.11 Ending the contract for late delivery. If you do choose to treat the contract as at an end for late delivery under clause 12.9 or clause 12.10, you can cancel your order. After that we will refund any sums you have paid to us. If the Welcome Kit has been delivered to you, you must post it back to us. Please email customer services at hello@ome.health to inform about the return.

12.12 When you become responsible for the Welcome Kit. The Welcome Kit will be your responsibility from the time we deliver it to the address you gave us or you collect it from us.

12.13 What will happen if you do not give required information to us. We may need certain information from you so that we can provide you with the Program, for example, your samples or the information we request for your Online Assessment. We will contact you to ask for this information if you do not provide it within 2 weeks of the dispatch of the Welcome Kit. If you do not give us this information within a reasonable time of us asking for it, or if you give us incomplete or incorrect information, you will not be entitled to a refund and will still be responsible for all monthly payments to the end of the Initial Subscription Period.

12.14 Reasons we may suspend the supply of the Program to you. We may have to suspend the supply of the Program to:

(a) deal with technical problems or make minor technical changes;

(b) update the Program to reflect changes in relevant laws and regulatory requirements;

(c) make changes to the Program as notified by us to you (see clause 11).

12.15 Your rights if we suspend the supply of the Program. We will contact you in advance to tell you we will be suspending supply of the Program, unless the problem is urgent or an emergency. If we have to suspend the Program for longer than 1 month we will adjust the price so that you do not pay for your subscription while they are suspended. You may contact us to end the contract for the Program if we suspend it, or tell you we are going to suspend it, in each case for a period of more than 1 month and we will refund any sums you have paid in advance for your subscription in respect of the period after you end the contract.

12.16 We may also suspend provision of the Program if you do not pay. If you do not pay us for the Program when you are supposed to (see clause 17.4) and you still do not make payment within 14 days of us reminding you that payment is due, we may suspend supply of the Program until you have paid us the outstanding amounts. We will contact you to tell you we are suspending supply of the Program. We will not suspend the Program where you dispute the unpaid bill (see clause 17.6). We will not charge you for the Program during the period for which it is suspended. As well as suspending the Program we can also charge you interest on your overdue payments (see clause 17.5).

12.17 You may ask us to provide others with access to your OME Health account. You may wish to enable one or more health or well-being professionals (“Your Professional”) to review the information in your OME Health account. This will include Biomarker Data, your Online Assessment, any other information you provide us with and any resulting recommendations we provide. If at any time you wish us to cease providing access to any of Your Professionals, please email us at hello@ome.health. To be clear, we will not be responsible to you for any actions or behaviour of any of Your Professionals. Before requesting us to provide access to Your Professional, you should satisfy yourself as to your confidence in their professional competence and ability, and the data security practices they will employ to safeguard your data. As a condition of their being giving access to your information, we will require that they set up their own OME Health account.

13. Your rights to end the contract

13.1 You can always end your contract with us. Your rights when you end the contract will depend on what you have bought, whether there is anything wrong with it, how we are performing and when you decide to end the contract:

(a) If you want to end the contract because of something we have done or have told you we are going to do, see clause 13.2;

(b) If you have just changed your mind about the Program, see clause 13.3 and 13.4. You may be able to get a refund if you are within the 14-day cooling-off period, but this may be subject to deductions and you will have to pay the costs of return of the Welcome Kit;

13.2 Ending the contract because of something we have done or are going to do. If you are ending a contract for a reason set out at (a) to (e) below the contract will end immediately and we will refund you in full for the unexpired portion of your subscription and you may also be entitled to compensation. The reasons are:

(a) we have told you about an upcoming change to the Program or these terms which you do not agree to;

(b) we have told you about an error in the price or description of the Program you have ordered and you do not wish to proceed;

(c) there is a risk that supply of the Program may be significantly delayed because of events outside our control;

(d) we have suspended supply of the Program for technical reasons, or notify you we are going to suspend it for technical reasons, in each case for a period of more than 1 week; or

(e) you have a legal right to end the contract because of something we have done wrong (including because we have delivered the Welcome Kit late (see clause 12.9)).

13.3 Exercising your right to change your mind (Consumer Contracts Regulations 2013). For most products and services bought online you have a legal right to change your mind within 14 days and receive a refund. These rights, under the Consumer Contracts Regulations 2013, are explained in more detail in these terms.

13.4 How long do I have to change my mind? You have 14 days after the day we email you to confirm we accept your order. If you cancel after we have started providing the Program, you must pay us for the services provided up until the time you tell us that you have changed your mind. If you wish to cancel the contract after that date, no refunds can be provided and you will continue to have access to the Program for the duration of the remainder of the Initial Subscription Period. Cancelling a contract outside the 14-day period referred to in 13.3 above only prevents it from being auto-renewed in accordance with clause 7.2.

14. How to end the contract with us (including if you have changed your mind)

14.1 Tell us you want to end the contract. To end the contract with us, please let us know by emailing our customer services at hello@ome.health.

14.2 Returning the Welcome Kit after cancelling the contract. If you end the contract for any reason after the Welcome Kit has been dispatched to you or you have received it, you must return it to us. You must post it back to us at WeWork Paddington, 2 Eastbourne Terrace, W2 6LG London, United Kingdom. If you are exercising your right to change your mind you must send off the goods within 14 days of telling us, you wish to end the contract.

14.3 When we will pay the costs of return. We will pay the costs of return of the Welcome Kit:

(a) if you are ending the contract because we have told you of an upcoming change to the Program or these terms, an error in pricing or description, a delay in delivery due to events outside our control or because you have a legal right to do so as a result of something we have done wrong.

In all other circumstances (including where you are exercising your right to change your mind) you must pay the costs of return of the Welcome Kit.

14.4 How we will refund you. We will refund you the initial fee charged to you at the time of your order, by the method you used for payment. However, we may make deductions from the price, as described below.

14.5 Deductions from refunds if you are exercising your right to change your mind. If you are exercising your right to change your mind during the 14-day cooling off period:

(a) We may reduce your refund of the price (excluding delivery costs) to reflect any reduction in the value of the goods in the Welcome Kit, if this has been caused by your handling them in a way which would not be permitted in a shop. If we refund you the price paid before we are able to inspect the goods and later discover you have handled them in an unacceptable way, you must pay us an appropriate amount.

(b) We may deduct from any refund an amount for the supply of the Program for the period for which it was supplied, ending with the time when you told us you had changed your mind. The amount will be in proportion to what has been supplied, in comparison with the full coverage of the contract. If you cancel the contract after having dispatched samples to our partner labs, we will deduct 100% in respect of the costs of dispatching and processing the samples. We consider this is reasonable given our own costs of instructing our third party labs to process the samples.

14.6 When your refund will be made. We will make any refunds due to you as soon as possible. If you are exercising your right to change your mind, then your refund will be made within 14 days from the day on which we receive the Welcome Kit back from you or, if earlier, the day on which you provide us with evidence that you have sent it back to us.

15. Our rights to end the contract

15.1 We may end the contract if you break it. We may end the contract for the Program at any time by writing to you if:

(a) you do not make any payment to us when it is due and you still do not make payment within 14 days of us reminding you that payment is due;

(b) you do not, within a reasonable time of us asking for it, provide us with information that is necessary for us to provide the Program, for example, that required for the Online Assessment;

(c) you do not, within a reasonable time, allow us to deliver the Welcome Kit to you or collect them from us.

15.2 You must compensate us if you break the contract. If we end the contract in the situations set out in clause 15.1 we will refund any money you have paid in advance for the Program we have not provided but we may deduct or charge you a reasonable percentage of the price depending on the date on which we end the contract, as compensation for the net costs we will incur as a result of your breaking the contract.

15.3 We may withdraw the Program. We may write to you to let you know that we are going to stop providing the Program. We will let you know at least 1 week in advance of our stopping the supply of the Program and will refund any sums you have paid in advance for any period for which the Program will not be provided.

16. If there is a problem with the Program

16.1 How to tell us about problems. If you have any questions or complaints about the Program, please contact us. You can email our customer service team at hello@ome.health.

16.2 Summary of your legal rights. We are under a legal duty to supply the Program in conformity with this contract. See the box below for a summary of your key legal rights in relation to the Program. Nothing in these terms will affect your legal rights.


Summary of your key legal rights

This is a summary of your key legal rights. These are subject to certain exceptions. For detailed information please visit the Citizens Advice website www.adviceguide.org.uk or call 03454 04 05 06.

〈 you can ask us to repeat or fix a service if it’s not carried out with reasonable care and skill, or get some money back if we can’t fix it.

〈 if you haven’t agreed a time beforehand, it must be carried out within a reasonable time.

See also Exercising your right to change your mind (Consumer Contracts Regulations 2013).

16.3 Your obligation to return rejected products. If you wish to exercise your legal rights to reject the Welcome Kit, you must post it back to us.

17. Price and payment

17.1 Where to find the price for the Program. The price of the program (which includes VAT) will be the price indicated on the order pages when you placed your order. It comprises a one-off initial payment and an annual subscription fee, payable on a monthly basis. We take all reasonable care to ensure that the price of the Program advised to you is correct.

17.2 Prices on Renewal. We will be entitled to increase the charges for the Program at the start of each Renewal Period, upon 15 days’ prior notice to you.

17.3 We will pass on changes in the rate of VAT. If the rate of VAT changes between your order date and the date we supply the Program, we will adjust the rate of VAT that you pay, unless you have already paid for the Program in full before the change in the rate of VAT takes effect.

17.4 How you must pay. We accept payment with Visa, Mastercard, and American Express. We will bill you on registration for the initial sum specified to you when you place your order, and then on a monthly basis.

17.5 We can charge interest if you pay late. If you do not make any payment to us by the due date, we may charge interest to you on the overdue amount at the rate of 4 % a year above the base lending rate of Barclays from time to time. This interest shall accrue on a daily basis from the due date until the date of actual payment of the overdue amount, whether before or after judgment. You must pay us interest together with any overdue amount.

17.6 What to do if you think a bill is wrong. If you think an invoice is wrong, please contact us promptly to let us know. You will not have to pay any interest until the dispute is resolved. Once the dispute is resolved we will charge you interest on correctly invoiced sums from the original due date.

18. Our responsibility for loss or damage suffered by you

18.1 Subject to clause 18.4, our total liability to you for something we or anyone who works for us does or does not do will be limited to a maximum of the price paid by you for the Program for:

(a) all incidents under the contract; and

(b) our failure to provide the Program; or

(c) our failure to take reasonable care in providing the Program.

18.2 Subject to clause 18.4, we are not liable for any costs, loss, delay, inconvenience or damage you suffer as a result of:

(a) the laboratory being unable to test your sample for any reason;

(b) any injury you may suffer when taking your blood sample unless the equipment we provide for that purpose in the Welcome Kit is shown to be defective;

(c) your failure to follow instructions provided to you in relation to sample collection or pre-sample preparation requirements;

(d) any events outside our control.

18.3 We are responsible to you for foreseeable loss and damage caused by us. If we fail to comply with these terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breaking this contract or our failing to use reasonable care and skill, but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made, both we and you knew it might happen, for example, if you discussed it with us during correspondence with us prior to placing your order.

18.4 We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors; for fraud or fraudulent misrepresentation; for breach of your legal rights in relation to the Program as summarised at clause 16.2; and for defective products under the Consumer Protection Act 1987

18.5 If the OME Health mobile app damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation. However, we will not be liable for damage which you could have avoided by following our advice to apply an update offered to you free of charge or for damage which was caused by you failing to correctly follow installation instructions or to have in place the minimum system requirements advised by us.

18.6 We are not liable for business losses. We only supply the Program for domestic and private use. Do not use it for commercial, business or re-sale purpose. If you use the Program for any commercial, business or re-sale purpose we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

19. How we may use your personal information

19.1 How we will use your personal information. We will use the personal information you provide to us:

(a) to provide the Program to you;

(b) to process your payment for the Program;

(c) if you agreed to this during the order process, to give you information about similar products that we provide, but you may stop receiving this at any time by contacting us; and

(d) to produce de-identified aggregated data from your personal information, for the purpose of research and statistical analysis in accordance with clause 9.

19.2 We will only give your personal information to other third parties where the law either requires or allows us to do so.

19.3 Please review our Privacy Policy for further details of how we process your personal data.

19.4 You acknowledge that by providing any blood, microbiome or saliva sample you authorise us to process it for the purpose of the Program and for the production and usage of research data in accordance with clause 9 above.

19.5 You have no rights in any research or products that might be developed by us or any other person or entity involving the use of your personal information. You acknowledge that you will not receive any compensation for research or commercial products that result from your personal information (including Biomarker Data or your Online Assessment) by us or our partner labs or anyone else authorised by us.

20. personal use only

20.1 The provision of the Program to you is for your own informational use only. Except for Your Professionals under clause 12.17 above, you agree not to enable any person to gain access to the Program for any commercial purposes.

21. rights to the program

21.1 We or our licensors are the owner of all intellectual property rights in the Program and all elements of it (including the OME Health website and mobile app, and our proprietary technology used to interpret your test results and Online Assessment). All such rights are reserved.

22. Other important terms

22.1 We may transfer this agreement to someone else. We may transfer our rights and obligations under these terms to another organisation. If you are unhappy with the transfer, you may contact us to end the contract within 2 weeks of us telling you about it and we will refund you any payments you have made in advance for the unexpired portion of your subscription you have previously paid for.

22.2 You need our consent to transfer your rights to someone else (except that you can always transfer our guarantee). You may only transfer your rights or your obligations under these terms to another person if we agree to this in writing.

22.3 Nobody else has any rights under this contract (except someone you pass your guarantee on to). This contract is between you and us. No other person shall have any rights to enforce any of its terms.

22.4 If a court finds part of this contract illegal, the rest will continue in force. Each of the paragraphs of these terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.

22.5 Even if we delay in enforcing this contract, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under these terms, or if we delay in taking steps against you in respect of your breaking this contract, that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date. For example, if you miss a payment and we do not chase you but we continue to provide the Program, we can still require you to make the payment at a later date.

22.6 Which laws apply to this contract and where you may bring legal proceedings. These terms are governed by English law and you can bring legal proceedings in respect of the Program in the English courts. If you live in Scotland, you can bring legal proceedings in respect of the Program in either the Scottish or the English courts. If you live in Northern Ireland, you can bring legal proceedings in respect of the Program in either the Northern Irish or the English courts.

22.7 In addition, please note that disputes may be submitted for online resolution to the European Commission Online Dispute Resolution platform.