Terms & Conditions (Multi-Jurisdiction) | SPAG Wellness and Digital Ltd

PART A: GENERAL TERMS — APPLICABLE TO ALL USERS IN ALL COUNTRIES

1. Definitions and Interpretation

In these Terms and Conditions, the following definitions apply:

"Company", "we", "us", or "our" means SPAG Wellness and Digital Ltd, a company incorporated in England and Wales (Company No: 16970957), whose registered office is at 82 Hillary Street, Walsall, England, WS2 9BS.
"Platform" means the SPAG Wellness website at spagwellness.com, any associated mobile applications, and all digital tools and services made available through them.
"Services" means all wellness sessions, subscription plans, content, nutrition guidance, and related services offered by the Company through the Platform.
"User", "you", or "your" means any individual who accesses, registers on, or uses the Platform in any capacity.
"Session" means any live or on-demand yoga, meditation, mindfulness, fitness, or wellness class delivered through the Platform.
"Subscription" means a recurring paid plan granting access to the Platform and Services for a defined period.
"Instructor" means any certified wellness professional engaged by or contracted to the Company to deliver Sessions.
"Content" means all text, video, audio, images, programmes, plans, and other materials made available on the Platform.

2. Acceptance of Terms

By creating an account, booking a Session, or otherwise using the Platform, you agree to be bound by these Terms and Conditions in their entirety. If you are accessing the Platform on behalf of an organisation, you represent that you have authority to bind that organisation to these Terms.

We reserve the right to amend these Terms at any time. Material changes will be communicated to you by email or through a prominent notice on the Platform. Continued use of the Platform following notification of changes constitutes your acceptance of the revised Terms.

3. Eligibility and Account Registration

3.1 Age Requirement
You must be at least 18 years of age to register for and use the Platform independently. Users aged under 18 may only access the Platform with the express written consent of a parent or legal guardian, who must register on their behalf and accept full responsibility for the minor's use of the Services.

3.2 Account Accuracy
You agree to provide accurate, current, and complete information when registering and to maintain the accuracy of your account details at all times. The Company reserves the right to suspend or terminate any account where false or misleading information has been provided.

3.3 Account Security
You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You must notify us immediately at info@spagwellness.com if you suspect any unauthorised use of your account.

4. Services and Platform Access

The Company will use reasonable endeavours to make the Platform available 24 hours a day, 7 days a week. However, we reserve the right to suspend, withdraw, or restrict access to the Platform at any time for operational, technical, or safety reasons. We will provide reasonable advance notice of planned maintenance wherever possible.

The Services provided are for personal, non-commercial use only. You may not resell, redistribute, sublicense, or commercially exploit any part of the Platform or its Content without prior written consent from the Company.

5. Bookings, Sessions, and Scheduling

Sessions must be booked through the Platform in advance. Your booking is confirmed upon receipt of a confirmation email from the Company. The Company reserves the right to cancel or reschedule Sessions at any time due to instructor unavailability, technical issues, or other operational reasons. In such cases, you will be offered a replacement session or a refund in accordance with our Refund Policy.

You may cancel or reschedule a booked Session up to 24 hours before the scheduled start time without charge. Cancellations made within 24 hours of the session start time may not be eligible for a refund or session credit. Please refer to our full Refund Policy at spagwellness.com.

6. Pricing, Payment, and Billing

All prices for Subscriptions and individual Sessions are displayed on the Platform in the applicable local currency for your country. Prices are inclusive or exclusive of applicable taxes as indicated at the point of checkout. The Company reserves the right to change its pricing at any time, provided that any such changes will not apply to Subscriptions already paid for the current billing cycle.

Payments are processed through secure third-party payment processors. The Company does not store your card details on its servers. By providing your payment details, you authorise the Company to charge the applicable fees to your payment method. Subscription fees are billed on a recurring basis (monthly or annually, as selected) and will continue until you cancel your Subscription.

7. Health, Safety, and Medical Disclaimer

Participation in physical wellness activities, including yoga, meditation, strength training, and cardio exercise, may carry inherent risks. By using the Services, you acknowledge and accept these risks. You confirm that you are in a suitable state of health to participate in the Sessions you book and that you have consulted a qualified medical professional if you have any existing health conditions, injuries, or other medical concerns.

The Company, its Instructors, employees, and agents are not medical professionals and do not provide medical advice, diagnosis, or treatment. Nothing on the Platform constitutes medical advice. You should always seek the guidance of a qualified healthcare provider before commencing any new physical activity programme. If you experience pain, discomfort, dizziness, or any adverse symptoms during a Session, you must stop immediately and seek medical attention if required.

8. Intellectual Property

All Content on the Platform, including but not limited to videos, programmes, nutritional plans, text, graphics, logos, and software, is the intellectual property of the Company or its licensors and is protected by applicable copyright, trademark, and intellectual property laws. You are granted a limited, non-exclusive, non-transferable licence to access and use the Content solely for your personal, non-commercial use in connection with the Services.

You must not copy, reproduce, distribute, transmit, display, sell, or create derivative works from any Content without the express prior written consent of the Company.

9. User Conduct

You agree not to use the Platform in any manner that is unlawful, harmful, abusive, harassing, defamatory, obscene, or otherwise objectionable. You must not attempt to gain unauthorised access to any part of the Platform or its underlying systems, transmit malware or harmful code, or interfere with the operation of the Platform or other users' access to it. The Company reserves the right to suspend or permanently terminate the account of any user who violates these conduct requirements.

10. Limitation of Liability

To the fullest extent permitted by applicable law, the Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Platform or Services, including but not limited to loss of profits, loss of data, personal injury, or property damage.

The Company's total aggregate liability to you for any claim arising under or in connection with these Terms shall not exceed the total amount paid by you to the Company in the 12 months immediately preceding the event giving rise to the claim.

Nothing in these Terms limits or excludes liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot lawfully be limited or excluded.

11. Termination

You may terminate your account at any time by contacting us at info@spagwellness.com or through your account settings. Upon termination, your access to the Platform will cease at the end of your current billing period. The Company may suspend or terminate your account at any time with or without notice if you breach these Terms, if required by law, or for any other reason at our reasonable discretion.

Provisions of these Terms which by their nature should survive termination, including intellectual property, limitation of liability, and governing law clauses, shall continue to apply following termination.

PART B: COUNTRY-SPECIFIC ADDENDA

The following addenda supplement and, where indicated, override the General Terms in Part A for users accessing the Platform from the respective country. In the event of any conflict between a Country-Specific Addendum and the General Terms, the Country-Specific Addendum shall take precedence for users in that jurisdiction.

🇬🇧 UNITED KINGDOM — Primary Jurisdiction

Applicable Legislation: UK General Data Protection Regulation (UK GDPR); Data Protection Act 2018; Consumer Rights Act 2015; Consumer Contracts Regulations 2013; Distance Selling Regulations; Companies Act 2006.

UK.1. Governing Law and Jurisdiction
These Terms and all disputes arising out of or in connection with them shall be governed by and construed in accordance with the laws of England and Wales. The parties submit to the exclusive jurisdiction of the courts of England and Wales, without prejudice to your rights as a consumer to bring proceedings in the courts of your place of habitual residence.

UK.2. Consumer Rights
If you are a consumer based in the United Kingdom, you benefit from the consumer protection provisions of the Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. Under these Regulations, you have a right to cancel a distance contract within 14 days of purchase (the 'cooling-off period'). By booking a Session or commencing a Subscription, you acknowledge that digital services may begin immediately upon purchase and that your right to cancel under this provision may be waived. Nothing in these Terms affects your statutory rights as a consumer under UK law.

UK.3. UK GDPR and Data Protection
The Company is the data controller for personal data collected through the Platform. We process your personal data in accordance with the UK GDPR and the Data Protection Act 2018. Our lawful bases for processing include contract performance, legitimate interests, and consent where applicable. You have the right to access, rectify, erase, restrict, or port your personal data, and to object to processing. To exercise any of these rights, please contact us at info@spagwellness.com. You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk.

UK.4. VAT
Where applicable, prices displayed on the Platform for UK users are inclusive of Value Added Tax (VAT) at the prevailing rate. The Company's VAT registration details will be provided on request and displayed on any invoices or receipts issued.

UK.5. Dispute Resolution
In the event of a dispute, we encourage you to contact us in the first instance at info@spagwellness.com to seek an informal resolution. If a satisfactory resolution cannot be reached, you may refer the matter to an approved Alternative Dispute Resolution (ADR) provider. As a UK consumer, you may also use the Online Dispute Resolution (ODR) platform at ec.europa.eu/consumers/odr.

🇨🇦 CANADA — PIPEDA & Provincial Consumer Protection

Applicable Legislation: Personal Information Protection and Electronic Documents Act (PIPEDA); Canada's Anti-Spam Legislation (CASL); Consumer Protection Act (Ontario and applicable provinces); Competition Act; Canadian Human Rights Act.

CA.1. Governing Law
For users accessing the Platform from Canada, these Terms shall be interpreted in accordance with the laws of England and Wales as the primary governing law, subject to mandatory consumer protection provisions applicable in your province or territory of residence, which shall take precedence to the extent required by law.

CA.2. PIPEDA Compliance and Privacy
The Company collects, uses, and discloses personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA). We collect only the information necessary to provide the Services and do not sell your personal data to third parties. You have the right to access and correct your personal information held by the Company by contacting us at info@spagwellness.com. The Company may transfer your personal data outside of Canada, including to the United Kingdom where our servers are based. Such transfers are conducted in compliance with PIPEDA's cross-border transfer requirements, and appropriate safeguards are in place to protect your information.

CA.3. Canada's Anti-Spam Legislation (CASL)
The Company will only send commercial electronic messages to you with your express or implied consent, in compliance with CASL. You may withdraw your consent to receive marketing communications at any time by clicking the unsubscribe link in any email or by contacting us at info@spagwellness.com. Transactional and service-related communications are not subject to this opt-out right.

CA.4. Consumer Protection
If you are a consumer resident in a Canadian province with applicable consumer protection legislation (including but not limited to Ontario, British Columbia, Alberta, and Quebec), you retain any rights conferred upon you by that legislation. The Company's Refund Policy is designed to comply with applicable Canadian consumer protection standards. In the province of Quebec, the Consumer Protection Act (Loi sur la protection du consommateur) may impose additional obligations on the Company, and those obligations are acknowledged and accepted.

CA.5. Currency and Pricing
Prices for Canadian users are displayed in Canadian Dollars (CAD). Applicable federal and provincial taxes (GST, PST, HST, QST) will be calculated and displayed at checkout where applicable. The Company will issue tax receipts or invoices upon request.

🇦🇺 AUSTRALIA — Privacy Act 1988 & Australian Consumer Law

Applicable Legislation: Privacy Act 1988 (Cth); Australian Privacy Principles (APPs); Australian Consumer Law (ACL) — Schedule 2 of the Competition and Consumer Act 2010; Spam Act 2003.

AU.1. Governing Law
For users accessing the Platform from Australia, these Terms shall be primarily governed by the laws of England and Wales. However, mandatory provisions of Australian law, including those under the Australian Consumer Law (ACL), shall apply and take precedence to the extent required.

AU.2. Australian Consumer Law (ACL) — Consumer Guarantees
Nothing in these Terms is intended to exclude, restrict, or modify any guarantee, right, or remedy conferred on you under the ACL or any other applicable Australian legislation that cannot lawfully be excluded. Where you acquire goods or services as a consumer under the ACL, you are entitled to consumer guarantees including that services will be provided with due care and skill, within a reasonable time, and that they will be fit for their disclosed purpose. Where a failure to comply with a consumer guarantee occurs, you may be entitled to a remedy. For major failures, you may be entitled to terminate the contract and receive a refund. For minor failures, the Company will remedy the failure within a reasonable time.

AU.3. Privacy Act 1988 and Australian Privacy Principles
The Company handles your personal information in accordance with the Privacy Act 1988 (Cth) and the 13 Australian Privacy Principles (APPs). We collect personal information only for purposes directly related to providing the Services. You have the right to access and request correction of your personal information. To make a privacy-related request or complaint, contact us at info@spagwellness.com. Where personal information is transferred overseas (including to the United Kingdom), the Company takes reasonable steps to ensure that the recipient handles the information in a manner consistent with the APPs.

AU.4. Spam Act 2003
The Company complies with the Spam Act 2003 (Cth). Commercial electronic messages will only be sent with your consent, and you may unsubscribe at any time using the unsubscribe mechanism in any such message or by contacting info@spagwellness.com.

AU.5. Pricing and GST
Prices for Australian users are displayed in Australian Dollars (AUD). Goods and Services Tax (GST) of 10% will be applied where applicable and disclosed at checkout. The Company will provide a tax invoice for GST purposes upon request.

🇮🇳 INDIA — DPDP Act 2023 & Consumer Protection Act 2019

Applicable Legislation: Digital Personal Data Protection Act 2023 (DPDP Act); Consumer Protection Act 2019; Information Technology Act 2000 and IT (Amendment) Act 2008; Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules 2021.

IN.1. Governing Law
For users accessing the Platform from India, these Terms shall be primarily governed by the laws of England and Wales. Mandatory provisions of Indian law, including those under the Consumer Protection Act 2019 and the Digital Personal Data Protection Act 2023 (DPDP Act), shall apply and take precedence where required by applicable Indian law.

IN.2. Digital Personal Data Protection Act 2023 (DPDP Act)
The Company acts as a 'Data Fiduciary' under the DPDP Act in relation to personal data collected from Indian users. We collect and process your personal data on the basis of your consent, which you provide at the point of registration. You have the following rights under the DPDP Act: (1) The right to access information about your personal data processed by the Company. (2) The right to correct or update inaccurate or incomplete personal data. (3) The right to erasure of personal data that is no longer necessary for the purpose for which it was collected. (4) The right to nominate another individual to exercise your data rights in the event of your death or incapacity. (5) The right to lodge a complaint with the Data Protection Board of India, once established. To exercise any of these rights, please contact our Data Protection point of contact at info@spagwellness.com. We will respond to your request within the timelines prescribed under the DPDP Act.

IN.3. Cross-Border Data Transfer
Your personal data may be transferred to and processed in the United Kingdom, where the Company's primary infrastructure is located. Such transfers will be conducted in compliance with the cross-border transfer provisions of the DPDP Act and any regulations notified thereunder by the Government of India.

IN.4. Consumer Protection Act 2019
Indian users are protected under the Consumer Protection Act 2019. The Company's Services constitute 'services' as defined under this Act. You are entitled to file a complaint with the appropriate Consumer Disputes Redressal Commission in the event of a deficiency in services, unfair trade practices, or other consumer grievances. Our Grievance Officer for Indian consumers can be contacted at info@spagwellness.com.

IN.5. Pricing and GST
Prices for Indian users are displayed in Indian Rupees (INR). Goods and Services Tax (GST) will be applied at the applicable rate and disclosed at checkout. The Company will provide a GST-compliant invoice or receipt upon request.

🇦🇪 UNITED ARAB EMIRATES — Federal Data Protection Law & Consumer Protection

Applicable Legislation: Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data (UAE PDPL); Federal Law No. 15 of 2020 on Consumer Protection; Federal Law No. 1 of 2006 on Electronic Commerce and Transactions; Dubai International Financial Centre (DIFC) Data Protection Law (where applicable).

AE.1. Governing Law and International Service
For users accessing the Platform from the United Arab Emirates, these Terms are governed by the laws of England and Wales. The Company currently provides Services to UAE users as an international service provider operating under its UK registration. The Company is not registered as a local entity in the UAE and users are accordingly contracting with an overseas entity. Mandatory provisions of UAE federal consumer and data protection law shall apply to UAE users to the extent required by law.

AE.2. UAE Personal Data Protection Law (PDPL)
The Company processes personal data of UAE users in accordance with Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data (UAE PDPL). We collect personal data on the basis of your consent and for the purpose of providing the Services. Your rights under the UAE PDPL include: (1) The right to be informed about the personal data we hold about you. (2) The right to access, correct, and update your personal data. (3) The right to request erasure of your personal data in certain circumstances. (4) The right to object to the processing of your personal data for direct marketing. To exercise your rights or raise a data protection concern, please contact us at info@spagwellness.com.

AE.3. Cross-Border Data Transfer
Personal data of UAE users is processed and stored in the United Kingdom. The Company takes appropriate measures to ensure that cross-border data transfers comply with the requirements of the UAE PDPL, including ensuring that adequate safeguards are in place in the receiving jurisdiction.

AE.4. Consumer Protection — UAE
The Company is committed to providing Services that meet the standards expected under UAE Federal Law No. 15 of 2020 on Consumer Protection. Where the Company fails to deliver a Session or provides a Service that is materially deficient, you are entitled to a remedy in accordance with our Refund Policy. To raise a consumer complaint, please contact us at info@spagwellness.com.

AE.5. Content and Cultural Compliance
All Content delivered through the Platform to UAE users is intended to be culturally respectful and appropriate. The Company does not knowingly deliver content that contravenes UAE law or local standards of decency. Users are responsible for ensuring their own use of the Platform complies with applicable UAE law.

AE.6. Pricing and Currency
Prices for UAE users are displayed in UAE Dirhams (AED). Applicable Value Added Tax (VAT) at the prevailing UAE rate (currently 5%) will be applied where required and disclosed at checkout.

🇺🇸 UNITED STATES — CCPA / CPRA, State Consumer Laws & International Service

Applicable Legislation: California Consumer Privacy Act 2018 (CCPA) as amended by the California Privacy Rights Act 2020 (CPRA); FTC Act (Section 5 — Unfair or Deceptive Acts); CAN-SPAM Act 2003; Children's Online Privacy Protection Act (COPPA); State consumer protection laws (applicable by state).

US.1. Governing Law and International Service
For users accessing the Platform from the United States, these Terms are governed by the laws of England and Wales. The Company provides Services to US users as an international service provider operating under its UK registration. The Company is not registered as a domestic entity in any US state. Mandatory provisions of applicable US federal and state law shall apply to US users to the extent required.

US.2. California Consumer Privacy Act (CCPA) / California Privacy Rights Act (CPRA)
If you are a resident of California, you have specific privacy rights under the CCPA as amended by the CPRA. These include: (1) The right to know what personal information the Company collects, uses, discloses, and sells (note: the Company does not sell personal information). (2) The right to delete personal information we have collected, subject to certain exceptions. (3) The right to correct inaccurate personal information. (4) The right to opt out of the sale or sharing of personal information (the Company does not sell or share personal information for cross-context behavioural advertising). (5) The right to limit the use and disclosure of sensitive personal information. (6) The right to non-discrimination for exercising your privacy rights. To exercise any of your CCPA/CPRA rights, please submit a verifiable consumer request to info@spagwellness.com. We will respond within 45 days as required by law.

US.3. Other State Privacy Laws
Users in states with applicable comprehensive privacy laws (including but not limited to Virginia, Colorado, Connecticut, Texas, and others) may have similar rights to those described in US.2 above under their respective state legislation. The Company endeavours to honour data subject rights requests from users in all US states in accordance with the applicable state law.

US.4. CAN-SPAM Act Compliance
All commercial email communications sent by the Company to US users comply with the CAN-SPAM Act. Every marketing email will include a clear and conspicuous unsubscribe mechanism. You may opt out of marketing communications at any time by using the unsubscribe link or by contacting info@spagwellness.com. Please allow up to 10 business days for your opt-out to be processed.

US.5. COPPA — Children's Privacy
The Platform is not directed to children under the age of 13. The Company does not knowingly collect personal information from children under 13. If you believe a child under 13 has provided personal information to the Company without parental consent, please contact us immediately at info@spagwellness.com and we will take prompt action to delete such information.

US.6. Disclaimer of Warranties
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE US LAW, THE PLATFORM AND SERVICES ARE PROVIDED 'AS IS' AND 'AS AVAILABLE', WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. SOME US STATES DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THIS EXCLUSION MAY NOT APPLY TO YOU.

US.7. Limitation of Liability — US Addendum
IN STATES WHERE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES IS PERMITTED, THE COMPANY'S LIABILITY SHALL BE LIMITED TO THE GREATEST EXTENT ALLOWED BY APPLICABLE LAW. IN STATES WHERE SUCH LIMITATIONS ARE NOT PERMITTED, THE ABOVE LIMITATION SHALL APPLY TO THE MAXIMUM EXTENT PERMITTED.

US.8. Pricing and Currency
Prices for US users are displayed in US Dollars (USD). Applicable state and local sales tax will be calculated and applied at checkout where required by law. The Company will issue receipts and tax documentation upon request.

PART C: CLOSING PROVISIONS

C.1. Entire Agreement
These Terms and Conditions, together with the Privacy Policy, Refund Policy, Health Disclaimer, Cookie Policy, and International Operations Statement incorporated by reference, constitute the entire agreement between you and the Company relating to your use of the Platform and Services and supersede all prior agreements, representations, and understandings.

C.2. Severability
If any provision of these Terms is held to be invalid, unlawful, or unenforceable by a court of competent jurisdiction, that provision shall be deemed severed from the remaining Terms, which shall continue in full force and effect.

C.3. Waiver
A failure or delay by the Company to exercise any right or remedy under these Terms shall not constitute a waiver of that right or remedy. No waiver shall be effective unless given in writing.

C.4. Assignment
You may not assign, transfer, or sub-contract any of your rights or obligations under these Terms without the prior written consent of the Company. The Company may assign or transfer its rights and obligations under these Terms to any group company or in connection with a merger, acquisition, or sale of assets, provided that your rights are not materially prejudiced.

C.5. Force Majeure
The Company shall not be liable for any failure or delay in performance arising out of circumstances beyond its reasonable control, including but not limited to acts of God, pandemic, governmental action, internet outages, power failures, or any other event of force majeure.

C.6. Contact Information
For any queries relating to these Terms and Conditions, or to exercise any rights described herein, please contact:
SPAG Wellness and Digital Ltd | 82 Hillary Street, Walsall, England, WS2 9BS
Email: info@spagwellness.com | Website: www.spagwellness.com | Company No: 16970957

Last Updated: February 2026 | Version 1.0

Legal Advisory Reminder: This document is a professional draft framework. Before publishing, please ensure it is reviewed and approved by a qualified solicitor with expertise in international digital services law across the UK, Canada, Australia, India, UAE, and the United States.

Company No: 16970957 | info@spagwellness.com

Terms and Conditions of ServiceMulti-Jurisdiction Edition