[Skip to Content]
 

    Get In Touch

    Or

    Free Telephone Consultation

    07581-364-246

    SMS with your name and what you'd like to discuss and I will arrange a call

    Menu

    logo

    Terms and Conditions

    Terms & Conditions

    1. Introduction

    Welcome to NatCalpin.com. For the purpose of this document NatCalpin.com is referred to herein as “Site”, “We”, “Us” or “Our”.

    Please read these Terms of Use carefully before using the Site. By using the Site you accept all the Terms of Use and Privacy Policy.

    1. Use of Content

    All information, materials, functions and other content (including Submissions, as defined in Section 3, entitled “SUBMISSIONS”, “Content”), contained on Sites are our copyrighted property or the copyrighted property of our licensors or licensees. All trademarks, service marks, trade names, and trade dress are proprietary to us and/or our licensors or licensees. We may change the Sites or delete Content or features at any time, in any way, for any or no reason.

    Except as we specifically agree in writing, no Content from any Site may be used, reproduced, transmitted, distributed or otherwise exploited in any way other than as part of the Site, except where the Site is configured to enable the download of particular Content, you may download one copy of such Content to a single computer for your personal, noncommercial home use only, provided that you: (a) keep intact all copyright and other proprietary notices; (b) make no modifications to the Content; and (c) do not use the Content in a manner that suggests an association with any of our products, services or brands. Any business use, “re-mailing” or high-volume or automated use of any Site is prohibited.

    In the event that we offer downloads of software on the Site and you download such software, the software, including any files, images incorporated in or generated by the software, and data accompanying the software (collectively, the “Software”) are licensed to you by us or third-party licensors for your personal, noncommercial home use only. We do not transfer title to the Software to you. You may not distribute or otherwise exploit the Software or decompile, reverse engineer, disassemble or otherwise reduce the Software to a human-readable form.

    1. Submissions

    In these terms of use, we use the word “Submissions” that will mean text, messages, ideas, concepts, pitches, suggestions, stories, artwork, photographs (including but not limited to photos before and after the physical transformation), drawings, videos, musical compositions (including lyrics), sound recordings, characterizations, your and/or other persons’ names, likenesses, voices, usernames, profiles, actions, appearances, performances and/or other biographical information or material, and/or other similar materials that you submit, post, upload, embed, display, communicate or otherwise distribute (collectively, “Distribute”) on or through our Site.

    There are two types of Submissions: Solicited Submissions and Unsolicited Submissions. “Solicited Submissions” means those Submissions: (a) that we expressly request or enable you to provide to us via any feature or activity on the Site for our review or display and possible specifically-defined consideration or compensation (collectively, “Consideration”) (such as prizes or other value in games, sweepstakes, contests and promotions); and (b) that you Distribute on or through any Site for which you do not seek Consideration (such as in our Forums (as defined below in Section 6, entitled “FORUMS AND COMMUNICATION”). “Unsolicited Submissions” are any and all Submissions that do not fall within subparagraphs (a) or (b) of this paragraph.

    Our long-standing company policy does not allow us to accept or consider Unsolicited Submissions, so please do not Distribute Unsolicited Submissions on or through our Site or via forums or our social media channels.

    We shall not be liable to you or to any person claiming through you for any exploitation or disclosure of any Submission.

    1. Licenses and Representations

    You hereby grant us and our licensees, distributors, agents, representatives and other authorized users, a perpetual, non-exclusive, irrevocable, royalty-free, sub-licensable and transferable (in whole or part) worldwide license under all copyrights, trademarks, patents, trade secrets, privacy and publicity rights and other intellectual property rights you own or control to use, reproduce, transmit, display, exhibit, distribute, index, comment on, modify (including removing lyrics and music from any Submission or substituting the lyrics and music in any Submission with music and lyrics selected by us), create derivative works based upon, perform and otherwise exploit such Submissions, in whole or in part, in all media formats and channels now known or hereafter devised (including on our Sites and third party web sites) for any and all purposes, including entertainment, news, advertising, promotional, marketing, publicity, trade or commercial purposes, all without further notice to you, with or without attribution, and without the requirement of any permission from or payment to you or to any other person or entity (the “Submissions License”).

    By communicating a Submission, you represent and warrant that you own or have the necessary rights, licenses, consents and permissions, without the need for any permission from or payment to any other person or entity, to exploit, and to authorize us to exploit, such Submission in all manners contemplated by these terms of use (including the Submissions License).

    1. Accounts

    Some services on the Sites permit or require you to create an account to participate or to secure additional benefits. You agree to provide, maintain and update true, accurate, current and complete information about yourself as prompted by our registration processes (the “Registration Data”).

    You shall not impersonate any person or entity or misrepresent your identity or affiliation with any person or entity, including using another person’s username, password or other account information, or another person’s name, likeness, voice, image or photograph. You also agree to promptly notify us at: Nat@nullNatCalpin.com on any unauthorized use of your username, password, other account information, or any other breach of security that you become aware of involving or relating to any Site.

    We may suspend or terminate your account and your ability to use any Site or portion thereof for failure to comply with these terms of use or any special terms related to a particular service, for any reason whatsoever.

    1. Public Forums, Social Media and Communication

    “Forum” means an area, site or feature offered as part of any Site that offers the opportunity for users to distribute submissions for viewing by one or more Site users, including a chat area, message board, instant messaging, mobile messaging, social community environment, social media platforms, profile page, conversation page, blog, e-mail function (including electronic greeting cards and send-a-friend e-mails).

    Discussions are welcomed and intended to encourage interaction. The purpose of our social media communities is to develop strong relationships and foster communication around issues relevant to fitness, nutrition and healthy living and users of our products and services, to help them exchange ideas, tips, information and techniques related to our products and services. While opinions and commentary may vary, we kindly request that all members be respectful of each other and all opinions, even in disagreement. These group rules are presented so that you know what is expected from you and what you can expect from other participants. By posting comments, you agree to follow these group rules.

    While we do not generally edit or monitor content posted by non-employees, we reserve the right to improve the experience on forums and social media sites by prohibiting certain conduct and, at our sole discretion, removing posts. To that end, the following will not be tolerated and may result in removal from the group, blocking from the site, removal of posts or further action:

    • Harassing, threatening, and abusive language
    • Individual or group attacks
    • Derogatory, unprofessional, or disrespectful language
    • Content that is harmful to minors, obscene, objectionable, or in violation of the law
    • Infringement of the intellectual property, privacy, or other rights of third parties
    • Uploading, posting, emailing, transmitting, or otherwise making available any unsolicited or unauthorized advertising or promotional materials (including sweepstakes or multi-level marketing offers)
    • Impersonating any person or entity
    • Compile commercial, political, or charitable mailing lists or to facilitate the transmission of spam, junk mail, chain letters, or obscene or profane content;
    • Harvest or otherwise collect information about others, including e-mail addresses or provide (whether or not for a fee) to a person or entity any directory of users of the social media sites;
    • Upload files that contain viruses, Trojan horses, worms, time bombs, cancelbots, corrupted files, or any other similar software or programs that may damage the operation of another’s computer or property of another person;
    • Falsify or delete any copyright management information, such as author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.
    • Create a false identity solely for the purpose of misleading others; or Violate any applicable laws or regulations.

    In addition, no spam, self-promotion, or direct sales pitches are allowed. This includes:

    • Posts that require clicking on a link to access information
    • Promotes a competitive product or service, group, website, blog, download, or social networking community or event
    • Self-promotional posts to advertise services
    • Discussions centered around religion, politics, or non-profit groups that are not specific to NatCalpin.com sponsored activities
    • Discussions that are posted more than once

    Please remember that users are solely responsible for their comments and/or material. Such third party content is the sole responsibility of the person originating the material. NatCalpin.com does not control and is not responsible for third-party material. NatCalpin.com reserves the right to remove any post, comment, or discussion if necessary.

    You acknowledge and agree that your conduct, and anything that you post or upload to any NatCalpin.com owned social media page, are your sole responsibility. NatCalpin.com cannot and does not make any guarantee with respect to the accuracy, inoffensiveness, or suitability of any content that appears on any social media sites. Always use caution when choosing to voluntarily disclose any personally identifiable information about yourself.

    You acknowledge that Forums and features offered therein are for public and not private communications, and you have no expectation of privacy with regard to any Submission to a Public Forum. We cannot guarantee the security of any information you disclose through any of these media; you make such disclosures at your own risk. We have no duty to monitor any Forum.

    Also, you should be skeptical about information provided by others, and you acknowledge that the use of any Submission posted in any Forum is at your own risk. For example, we are not responsible for, and we do not endorse, the opinions, advice or recommendations posted or sent by users in any Forum and we specifically disclaim any and all liability in connection therewith.

    We owe you no obligation, and therefore may refuse to post, deliver, remove, modify or otherwise use or take any action with respect to Submissions you distribute.

    NatCalpin.com does not assume any responsibility or liability whatsoever for any posting. You agree to waive any legal or equitable rights or remedies you may have against NatCalpin.com with respect to these rules, including, but not limited to, member posting, posting restrictions, deletions, or moves, and member restrictions, removals, or blocks.

    When you use any NatCalpin.com service or send emails to us, you are communicating with us electronically. We will communicate with you by e-mail or by posting notices on the website or through the Nat Calpin’s services and Social Platform where applicable. For contractual purposes, you consent to receive communications from us electronically and you agree that all agreements, notices, disclosures and other communications that we provide you electronically satisfy any legal requirement that such communications be in writing, unless mandatory applicable laws specifically require a different form of communication.

    1. Rules of Conduct

    The following Rules of Conduct apply to the Sites. By using the Sites, you agree that you will not Distribute any Submission that: (a) is defamatory, abusive, harassing, threatening, or an invasion of a right of privacy of another person; (b) is bigoted, hateful, or racially or otherwise offensive; (c) is violent, vulgar, obscene, pornographic or otherwise sexually explicit; or (d) otherwise harms or can reasonably be expected to harm any person or entity; (e) is illegal or encourages or advocates illegal activity or the discussion of illegal activities with the intent to commit them, including a Submission that is, or represents an attempt to engage in, child pornography, stalking, sexual assault, suicide, fraud, trafficking in obscene or stolen material, drug dealing and/or drug abuse, harassment, theft, or conspiracy to commit any criminal activity; (f) infringes or violates any right of a third party, including: (1) copyright, patent, trademark, trade secret or other proprietary or contractual rights; (2) right of privacy (specifically, you must not distribute another person’s personal information of any kind without their express permission) or publicity; or (3) any confidentiality obligation; (g) is commercial, business-related or advertises or offers to sell any products, services or otherwise (whether or not for profit), or solicits others (including solicitations for contributions or donations); (h) contains a virus or other harmful component, or otherwise tampers with, impairs or damages the Site or any connected network, or otherwise interferes with any person or entity’s use or enjoyment of the Sites; (i) does not generally pertain to the designated topic or theme of the relevant Forum to which it is submitted; (j) violates any specific restrictions applicable to a Forum, including its age restrictions and procedures; or (k) is antisocial, disruptive, or destructive, including “flaming,” “spamming,” “flooding,” “trolling,” and “griefing” as those terms are commonly understood and used on the Internet.

    We cannot and do not assure that other users are or will be complying with the foregoing Rules of Conduct or any other provisions of these terms of use, and, as between you and us, you hereby assume all risk of harm or injury resulting from any such lack of compliance.

    We reserve the right, but disclaim any obligation or responsibility to remove any Submission that violates these Terms of Use with or without notice.

    1. Disclaimer

    The content on or otherwise related in any way to our sites or any third party sites or services linked to from any site is provided “as is” and without warranties of any kind. To the fullest extent permissible pursuant to applicable law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, completeness, availability, security, compatibility and non-infringement. We do not warrant that any content will be error-free, that access thereto will be uninterrupted, that defects will be corrected, or that any site or the servers that make such content available are free of viruses or other harmful components. Moreover, you assume the entire cost of all necessary servicing, repair or correction. We do not warrant or make any representations regarding the use or the results of the use of any content. You hereby irrevocably waive any claim against us with respect to content and any content you provide to third-party sites (including credit card and other personal information).

    1. Risk of product and service use

    NatCalpinPersonalTrainer.com is not to be a substitute for direct, personal, professional care and diagnosis of trained professional in any field, including but not limited to, medical matters.

    Always seek the advice of your physician with any questions you may have regarding your physical or mental health and wellness. If you think you may have a medical emergency, call your doctor or emergency services immediately. We make no representations or warranties concerning any treatment, action, application or usage of dietary supplements, medication, preparation or other product or service by any person following the information offered or provided within or through the Sites. Reliance on any information appearing on the Site is strictly at your own risk. Neither we, our affiliates nor any of the officers, directors, owners, employees, agents, representatives and assigns of each will be liable for any direct, indirect, consequential, special, exemplary or other losses or damages that may result including, but not limited to, economic loss, injury, illness or death.

    None of the meal plans or exercise programs from NatCalpin.com or from Nat Calpin herself should be performed or otherwise used without clearance from your physician or health care provider first. The information contained within is not intended to provide specific physical or mental health advice, or any other advice whatsoever, for any individual or company and should not be relied upon in that regard. We are not medical professionals and nothing on this website should be misconstrued to mean otherwise.
    There may be risks associated with participating in activities mentioned on NatCalpin.com or performed during Nat Calpin’s personal training sessions for people in poor health or with pre-existing physical or mental health conditions.
    Because these risks exist, you should not participate in any meal plans available at NatCalpin.com or suggested by Nat Calpin herself during a personal session or via video, social media channel, e-mails, forums or in any other form, if you are in poor health or have a pre-existing mental or physical condition.
    If you choose to participate, you do so on your own free will and accord, knowingly and voluntarily assuming all risks associated with such dietary activities. These risks may also exist for those who are currently in good health.

    As with any exercise program you assume certain risks to your health and safety. Any form of exercise program can cause injuries, and Nat Calpin and his fitness program is no exception. It is possible that you may become injured doing the exercises in your program, especially if they are done with poor form.

    If you choose to participate in these exercises, you do so on your own free will and accord, knowingly and voluntarily assuming all risks associated with such physical activities. These risks may also exist for those who are currently in good health.

    Nat Calpin is not a medical doctor. Whether his advice be on his websites, in his meal plans, exercise programs or via his email coaching, none of it is meant as a substitute for medical advice.

    You must consult your doctor before beginning ANY meal plan or exercise program, no exceptions. You are using Nat Calpin’s plans, programs, workouts and coaching at your own risk and NatCalpin.com and Nat Calpin herself are not responsible for any injuries or health problems you may experience, including but not limited to death, heart attack and stroke, as a result of using NatCalpin.com website and Nat Calpin’s personal training, videos, meal plans, fitness program, email or website diet and exercise suggestions.

    1. Expectations and Results

    Although the products and services at NatCalpin.com are intended to be fully implemented, sometimes they are not, which could result in a lack of progress/results for the user. If you implement the products and services from NatCalpin.com or the personal training sessions with Nat Calpin herself correctly, you should see amazing results, however it must be disclaimed that even when consumers implement any products or services in full from NatCalpin.com website and/or personal training sessions with Nat Calpin herself, it is still possible they will not get the results they may have expected and it is also possible they will not lose fat or gain muscle or achieve any positive results of any kind.

    All the transformations and testimonials shared via NatCalpin.com and our social media channels and blog are real. However, it must be disclaimed that these testimonials are not claimed to represent typical results with Nat Calpin’s meal plans and workout programs; they are meant as a showcase of what the most motivated and dedicated clients can do with Nat Calpin’s fitness training, nutritional suggestions, meal plans or exercise programs.

    Your results may vary from using Nat Calpin’s fitness program and Site, and you may not get the same results compared to someone else when using Nat Calpin’s services, due to differences in your individual exercise history, genetics, personal motivation and dedication. The end results you get will depend upon the individual, how much effort you put in and genetic predisposition.

    Nat Calpin and NatCalpin.com take no responsibility for the accuracy of the results achieved. By using the site you irrevocably waive any claims against us with respect to the achieved results.

    1. Parental Permission

    NatCalpin.com is not directed to children under the age of 18, and we will not knowingly collect personally identifiable information from children under 18. By using the site you agree that you are 18 years old or over.

    1. Privacy Policy

    We are committed to protect your privacy and security and have explained in detail the steps we take to do so. We urge you to read our Privacy Policy.

    1. Indemnification

    You are responsible for maintaining the confidentiality of your username(s), password(s), and your account(s), as well as all activities that occur under your account(s). You hereby agree to indemnify, defend, and hold us, our licensors, licensees, distributors, agents, representatives and other authorized users, and each of the foregoing entities’ respective resellers, distributors, service providers and suppliers, and all of the foregoing entities’ respective officers, directors, owners, employees, agents, representatives and assigns (collectively, the “Indemnified Parties”) harmless from and against any and all losses, damages, liabilities and costs (including settlement costs and any legal or other fees and expenses for investigating or defending any actions or threatened actions) incurred by the Indemnified Parties in connection with any claim arising out of any breach by you, of these terms of use or claims arising from your use of the Sites and/or your account(s). You shall use your best efforts to cooperate with us in the defence of any claim. We reserve the right, at our own expense, to employ separate counsel and assume the exclusive defence and control of any matter otherwise subject to indemnification by you.

    1. Limitation of Liability

    Under no circumstances, including negligence, shall we, our licensors or licensees, or any of the foregoing entities’ respective resellers, distributors, service providers or suppliers, be liable to you or any other person or entity for any direct, indirect, incidental, special or consequential damages, including lost profits, personal injury (including death) and property damage of any nature whatsoever, that result from: (a) the use of, or the inability to use, any site or content; or (b) the conduct or actions, whether online or offline, of any user of a site or any other person or entity, even if we have been advised of the possibility of such damages. In no event shall our total liability to you for all damages, losses and causes of action, whether in contract, tort (including negligence) or otherwise exceed the amount paid by you, for accessing or participating in any activity related to NatCalpin.com site. Moreover, under no circumstances shall we, our licensors or licensees, or any of the foregoing entities’ respective resellers, distributors, service providers or suppliers, be held liable for any delay or failure in performance resulting directly or indirectly from an act of force majeure or causes beyond our or their reasonable control.

    We may terminate your further access to sites or change the sites or delete content or features in any way, at any time and for any reason or no reason.

    The limitations, exclusions and disclaimers in this section and elsewhere in these terms of use apply to the maximum extent permitted by applicable law.

    1. Jurisdictional Issues and Dispute Resolution

    We control and operate the Sites from our offices in the United Kingdom. Persons who choose to access the Site from other locations do so on their own initiative, and are responsible for compliance with local laws, if and to the extent local laws are applicable.

    Any and all disputes, claims, judgments, and awards shall be limited to the actual out-of-pocket amount paid by you to NatCalpin.com for accessing the Site, but in no event attorneys’ fees, and under no circumstances will you be permitted to obtain awards for, and each Site user hereby waives all rights to claim punitive, incidental, or consequential damages, any other damages other than actual out-of-pocket expenses, and any and all rights to have damages multiplied or otherwise increased.

    1. Amendment

    At any time, we may amend these terms of use (including by modification, deletion and/or addition of any portion thereof). If we make a material amendment to these terms of use, we will notify you of such amendment by sending you an e-mail at the last e-mail address that you provided to us, and/or by posting notice of such amendment on NatCalpin.com Site.

    Please note that, at all times, you are responsible for updating your personal information and your current e-mail address.

    1. Waiver and Claims

    You agree that any and all disputes, claims, and causes of action arising out of or in connection with these terms of use, this or any other sites must be brought within one (1) year after the dispute, claim or cause of action accrues; otherwise, such dispute, claim or cause of action shall be permanently barred.

    1. Copyright Infringement

    To notify us about any Copyright Infringement, please contact:

    Nat Calpin
    2 Meadowgate Park
    Killamarsh
    Sheffield
    S21 1EE
    Nat@nullNatCalpin.com

    1. Billing and Subscription Information

    If you purchase the Transformation Program from NatCalpin.com you will be charged £300 British Pounds, for 12- weeks of diet, nutrition and training advice with a weekly checkin for feedback and reviews as Nat feels necessary on your progress.

    At the end of your first program you will have the opportunity to enroll onto the next available 12-week program for a further payment of £300. Where you will continue to receive weekly updated nutrition and training advice for the duration that you choose, or have paid, to remain a client of NatCalpin.com.

    You may opt at this point to change your package to our bi-weekly program. This option is only available to those clients who have fully completed at least one 12-week program with weekly checkins.

    The cost of the bi-weekly checkin program is £200 British Pounds. You will continue to receive bi-weekly updated nutrition and training advice for the duration that you choose, or have paid, to remain a client of NatCalpin.com.

    On either program you may opt to pay your subscription in two or three, monthly installments instead of one payment. If paying by installments any agreed administration fee (usually £30) will be added to the price of the weekly or bi-weekly program and divided by the number of agreed installments (normally 2 or 3 installments). All installments must be paid in full before commencing your program. For further details please contact: Nat@nullNatCalpin.com

    The customer meets any International Payment Charges that may be applicable.

    You can cancel your subscription at any time, however once paid, all monies, whether in full or part payment of a program, even if the program has not commenced yet, are non-refundable.

    In the event of illness or injury preventing your commencement on the agreed program enrolment date a doctor’s certificate is required. Being able to roll any monies paid over to the next available program enrolment will be at Nat Calpin’s discretion and decided on a case-by-case basis.

    If anything such as illness or death prevent Nat Calpin from being able to respond to your checkins then an individual whom Nat has trained herself will complete any remaining checkins.

    We want all of our clients to be happy with the service provided. If for any reason our service has not met your expected standards, please send us an email to: Nat@nullNatCalpin.com and we will do our best to resolve the issue.

    1. One-on-one Personal Training with Nat Calpin

    There are additional Terms applicable for Clients who take part in one-on-one sessions with Nat Calpin (the “trainer”, “she”). You are asked to pay special attention to the provisions related to liability and cancellations. This does not affect your statutory rights.

    The trainers obligation:

    The trainer will use his skills and knowledge to design a program of exercise that will take into account the client’s personal goals and fitness levels. She will provide coaching, advice and support to help clients to achieve their fitness goals. She will maintain a professional attitude and manner throughout every session.

    The client’s obligation:

    All client information will be kept strictly private and confidential. If the trainer requires further medical information from a practitioner, the client must provide such details. It is understood between client and trainer that both must commit to the program 100% in order to achieve results. The client is required to arrive on time for each training session so that a full session can be achieved on each visit. The client is required to wear appropriate clothing and footwear. Clothes should not restrict movement. Footwear should be comfortable and provide adequate support.
    Health screening: All clients must complete a full health check up with their doctor prior to commencement of the program. Your trainer may require a letter of “medical clearance” from your GP. Please be aware that your GP may charge for providing this letter. Your trainer cannot be held liable in any way for undeclared or unknown medical conditions.

    Cancellation Policy:

    48 hour’s notice of cancellation is required for all appointments. Notice of less than 48 hours will incur a full payment of the session fee.

    Lateness Policy: If the client is late for a session, the session cannot be extended and will end at the appointed time. If the trainer is late, additional time will be added to the session or to subsequent sessions.

    1. Endorsements and Dissemination

    You agree to inform Nat Calpin if you have used the services of another personal trainer, nutritionist, fitness or nutrition course within the previous 12 months. You also agree to not let images of yourself or your recommendations for their services be used by any other trainer, nutritionist, program or organization for promotion or endorsement for a period of 12 months after your VTS program with Nat Calpin ends or the last face-to-face session attended. You also agree to not let any other trainer, product or organization take credit for your transformation, weight loss or muscle gain in any form, including but not limited to; print, online, radio, video, TV or personal endorsements via social media. You also agree to not share, disseminate, repackage or pass off training methods, nutrition information, plans and advice given by Nat Calpin as your own program, or part thereof, in any format or integrate it into any aspect of work or employment that you do now or in the future.

    1. Disclosure Of Industry Connection or Interest

    By applying to become either a face to face client of Nat Calpin or a VTS client you confirm that you are not connected to the health & fitness industry and that you are in no way connected to any individual who is connected to the health & fitness industry, including but not limited to: Health Clubs, Leisure Centers or Gyms; their staff, owners or management, Personal Trainers, Nutritionists, Juicing companies or Supplement companies with intent to pass on ANY INFORMATION in any form. I do not work with clients that are using the services of anyone connected to the health & fitness industry during the time that I am advising them. If we discover that you have/are then you will forfeit any monies paid and will be prevented from using the VTS or if a face to face client then any future sessions booked will be cancelled and no refunds will be given. This also applies to you if you are training or intending to become any of the above-mentioned occupations, whether paid positions or not. Nat Calpin reserves the right to take legal action for any contravention of these terms and conditions. If in doubt please ask for clarification.

    Do you have questions about NatCalpin.com or any points listed in these terms and conditions? Send us an e-mail at: Nat@nullNatCalpin.com and we will be more than happy to answer any of your questions!