TERMS OF SERVICE
// Content about Jacob Wall Ventures Ltd. T.A LookCard's Terms of Service
LOOKCARD TERMS OF SERVICE & CONDITIONS
Jacob Wall Ventures Ltd. (Company Registration No.10737896)1 Blackfriars Road, London, SE1 9GD, United Kingdom
Website: www.lookcard.co.uk | Effective: January 2026
IMPORTANT: By engaging LookCard's Services — whether verbally, in writing, by email, or by making any payment — the Client unconditionally accepts and is legally bound by these Terms in their entirety. No further formal signature is required to form a binding contract.
1. Definitions
In these Terms, the following definitions apply:
• "Agreement" means these Terms of Service together with any project proposal, quotation, statement of work, order form, or invoice issued by LookCard.
• "Client" means any individual, sole trader, partnership, company, or other legal entity engaging LookCard for Services.
• "Commencement Date" means the earlier of:
(i) the date work physically begins;
(ii) the date any payment is received;
(iii) the date written or verbal instruction to proceed is given.
• "Connected Accounts" means any accounts, websites, domains, applications, digital assets, services, or projects provided by LookCard and owned, controlled, directed, or beneficially held — directly or indirectly — by the Client, or by any entity sharing common ownership, shareholding, directorship, partnership interest, or effective control with the Client, or by any immediate family member of the Client over whom the Client has control or beneficial interest.
• "Deliverables" means all creative work, digital output, code, designs, strategies, documents, or other materials produced by LookCard as part of a Project.
• "Feedback Window" means the forty-eight (48) hour period following LookCard's submission of Deliverables or requests for review.
• "Late Payment" means any invoice amount, or part thereof, not received in cleared funds by the due date stated on the invoice.
• "LookCard" means Jacob Wall Ventures Ltd. (Company Registration No. 10737896), trading as LookCard, a private limited company incorporated in England and Wales, with its registered office at 1 Blackfriars Road, London, SE1 9GD.
• "Project" means any specific scope of work agreed between LookCard and the Client.
• "Services" means all work, advice, creative output, digital products, branding, web and application development, strategy, investment advisory, consultancy, or any other service provided by LookCard.
2. Introduction and Acceptance
2.1 Nature of Agreement
These Terms govern all Services provided by LookCard to the Client. They constitute a legally binding contract under the laws of England and Wales.
2.2 Acceptance
A binding contract is formed upon the earliest of the following:
(a) Written acceptance of a proposal, quotation, or statement of work;
(b) Any payment — whether partial or full, whether described as a deposit, retainer, advance, or otherwise — made by the Client to LookCard in respect of the Services;
(c) Verbal instruction to proceed, given by the Client and acknowledged by LookCard;
(d) The Client providing materials, assets, content, credentials, or information to LookCard for use in connection with the Services.
2.3 Proof of Payment as Acceptance
For the avoidance of doubt, any proof of payment — including but not limited to a bank receipt, wire transfer confirmation, payment screenshot, or transaction reference — sent to or received by LookCard shall constitute the Client's unconditional and irrevocable acceptance of these Terms in their entirety, including all non-refundable provisions, payment penalties, termination rights, and cross-account provisions.
2.4 Verbal Acceptance
Where the Client instructs LookCard to proceed verbally(whether in person, by telephone, or via voice/video communication), such instruction shall carry the same legal weight as a written signature for the purposes of forming a binding contract, and the Client shall be bound by these Terms from that moment.
2.5 Scope
These Terms apply to all Services provided by LookCard globally, including but not limited to branding, web design and development, application development, digital strategy, investment advisory, creative production, consultancy, and any ancillary services.
3. Services and Scope of Work
3.1 LookCard will provide the Services as outlined in the relevant proposal or statement of work. All timelines are estimates only and are subject to timely provision of materials, approvals, and feedback by the Client.
3.2 Any changes to the agreed scope of work must be requested in writing and are subject to additional charges and revised timelines at LookCard's sole discretion.
3.3 LookCard reserves the right to engage subcontractors or third parties in delivering the Services without prior Client consent, provided LookCard retains responsibility for delivery.
3.4 LookCard makes no warranty that any specific business outcome, investment return, revenue increase, search engine ranking, or other performance result will be achieved as a result of the Services.
3.5 Third-party costs — including but not limited to domain registration, hosting, software licenses, stock imagery, fonts, or API fees — are not included in any quoted fee unless expressly stated in writing. Such costs shall be billed to and settled by the Client.
4. Payment Terms
4.1 Fee Structure
Unless otherwise agreed in writing, the following default payment structure applies:
(a) A non-refundable deposit of fifty percent (50%) of the total Project fee is due prior to the Commencement Date;
(b) The remaining balance is due upon Project completion, or as set out in any agreed milestone payment schedule contained in the proposal.
4.2 Invoice Payment Period
All invoices issued by LookCard are due and payable within fourteen (14) calendar days of the invoice date unless a different period is stated in writing. Milestone invoices are due within seven (7) days unless otherwise agreed.
4.3 Payment Methods
LookCard accepts payment by bank transfer (BACS/CHAPS/SWIFT), debit card, credit card, or such other methods as LookCard may specify. All quoted fees are exclusive of VAT (where applicable) unless expressly stated otherwise.
4.4 Currency
All invoices are denominated in Pounds Sterling (GBP) unless otherwise agreed in writing. International clients are responsible for any bank charges or exchange rate differences.
4.5 Disputed Invoices
Any dispute regarding an invoice must be raised in writing, with full written reasons, within seven (7) days of the invoice date. Failure to raise a dispute within this period shall constitute irrevocable acceptance of the invoice. A genuine dispute regarding part of an invoice does not entitle the Client to withhold payment of any undisputed amount.
5. Late Payment Penalties and Remedies
In the event that any sum due to LookCard is not received in cleared funds by the due date, LookCard shall be entitled to exercise all or any of the following rights, without prejudice to any other rights available at law or in equity:
5.1 Statutory Interest
Statutory interest shall accrue on the outstanding amount at a rate of eight percent (8%) per annum above the Bank of England base rate (as published from time to time), calculated on a daily basis from the due date until the date of actual payment in full, pursuant to the Late Payment of Commercial Debts (Interest) Act 1998 (as amended by the Late Payment of Commercial Debts Regulations 2002).
5.2 Fixed Debt Recovery Compensation
In addition to statutory interest, LookCard shall be entitled to claim fixed debt recovery compensation, pursuant to The Late Payment of Commercial Debts Regulations 2002, as follows:
(a) £40.00 where the debt is below£1,000.00;
(b) £70.00 where the debt is between £1,000.00 and £9,999.99;
(c) £100.00 where the debt is£10,000.00 or above.
5.3 Debt Recovery Costs
LookCard shall be entitled to recover all reasonable costs incurred in the collection of overdue sums, including without limitation: legal and solicitor fees (on a full indemnity basis), court fees, enforcement fees, debt collection agency charges, and any other costs and disbursements, whether or not formal legal proceedings are commenced.
5.4 Late Administration Fee
LookCard reserves the right to charge a late payment administration fee of £150.00 for each invoice that remains unpaid for more than thirty (30) days beyond the original due date. This fee is in addition to statutory interest and compensation charges.
5.5 Suspension of Services
LookCard may immediately suspend all active Services, including work on all Connected Accounts, upon written notice to the Client where any invoice remains unpaid beyond the due date.
5.6 Withholding Deliverables
LookCard shall be entitled to withhold delivery of any Deliverables, files, credentials, domain transfers, access codes, or completed work until all outstanding sums — including principal, interest, compensation, and costs — are paid in full.
5.7 Credit Reporting
LookCard reserves the right to report outstanding debts to credit reference agencies in accordance with applicable data protection law where payment remains overdue for more than sixty (60) days.
6. Non-Refundable Policy
6.1 Non-Refundability of Deposits
All deposits and advance payments are strictly non-refundable in all circumstances once the Commencement Date has passed, regardless of the reason for cancellation or the stage of work reached.
6.2 Client Cancellation After Commencement
Where the Client requests cancellation of a Project after the Commencement Date, the Client shall remain liable for:
(a) The full deposit amount, which is non-refundable without exception;
(b) The value of all work completed up to the date of cancellation notice, assessed at LookCard's standard time-and-materials rate or a pro-rata proportion of the agreed Project fee —whichever is the greater;
(c) All third-party costs, licenses, subscriptions, platform fees, or expenses incurred by LookCard in connection with the Project, whether incurred before or after the cancellation notice.
6.3 Payment as Acceptance of Non-Refundable Policy
By making any payment to LookCard, the Client specifically and irrevocably acknowledges and accepts the non-refundable nature of all fees paid under this Agreement.
6.4 No Refund for Partial Services
LookCard shall not be required to provide any refund or credit in respect of Services partially rendered, Deliverables in progress, timeinvested in research, discovery, planning, strategy, or creative development, or work that the Client chooses not to use.
6.5 Change of Mind
A change of Client circumstances, business direction, personnel, or preference does not entitle the Client to a refund of any sums already paid.
7. Client Feedback, Approval and the 48-Hour Deemed Acceptance Rule
7.1 The Feedback Window
Where LookCard presents, submits, or otherwise delivers any Deliverable, draft, design, proof, development update, milestone, or item requiring the Client's input, review, or approval ('Submission'), the Client is required to provide a substantive written response within forty-eight (48)hours of the Submission being transmitted ('the Feedback Window').
7.2 Deemed Acceptance
If the Client fails to provide any substantive written response within the Feedback Window, LookCard shall be entitled, at its sole and reasonable discretion, to do any or all of the following:
(a) Deem the Submission as approved, signed off, and accepted by the Client without reservation;
(b) Proceed immediately to the next stage of the Project as if express written approval had been received;
(c) Issue a final or milestone invoice for the completed stage or the full Project where LookCard reasonably considers the work complete;
(d) Mark the Project or relevant stage as complete and close the matter;
(e) Publish, release, launch, or deploy Deliverables where the nature of the Project so requires.
7.3 No Liability for Deemed Approval
LookCard shall bear no liability whatsoever for any consequences arising from its exercise of deemed approval rights under Clause 7.2, including without limitation: errors in content, brand inconsistencies, technical issues, missed opportunities, downstream delays, or the publication of material the Client later disputes.
7.4 Commercial Reasonableness
The parties expressly acknowledge that the 48-hour Feedback Window is commercially reasonable, proportionate, and necessary to enable LookCard to manage its workflow efficiently across multiple clients, and that it has been brought to the Client's attention prior to or upon acceptance of these Terms.
7.5 Extensions
LookCard may, in its absolute discretion, grant a written extension to the Feedback Window. Any such extension is a one-time concession and shall not constitute a waiver of LookCard's rights under this Clause for any future Submission.
7.6 Revisions After Deemed Approval
Any revisions or changes requested after deemed approval under Clause 7.2 shall constitute a new scope of work and shall be subject to additional charges at LookCard's then-current rates.
8. LookCard's Right to Refuse, Suspend and Terminate
8.1 Absolute Right of Refusal
LookCard reserves the absolute and unconditional right, at anytime and at its sole discretion, to refuse to accept any new Project, proposal, instruction, or commission from any Client or prospective client, without giving reasons.
8.2 Suspension
LookCard may immediately suspend work on any active Project, with or without notice, where:
(a) Any payment is overdue;
(b) The Client is in breach of any provision of these Terms;
(c) LookCard has reasonable concerns about the Client's financial position or ability to pay;
(d) LookCard is awaiting information, content, approval, or access from the Client that is necessary to continue work.
8.3 Termination for Cause
LookCard shall be entitled to terminate this Agreement with immediate effect and without liability to the Client upon the occurrence of any of the following:
(a) The Client fails to make any payment when due and does not remedy such failure within seven (7) days of written notice;
(b) The Client commits a material breach of these Terms and (where capable of remedy) fails to remedy it within fourteen (14) days of written notice;
(c) The Client becomes insolvent, enters into administration, liquidation, receivership, a company voluntary arrangement, an individual voluntary arrangement, or any analogous insolvency process in any jurisdiction;
(d) The Client engages in conduct that LookCard, in its reasonable judgement, considers dishonest, harassing, abusive, defamatory, or harmful to LookCard's reputation, staff, or business interests;
(e) The Client provides false, misleading, or fraudulent information to LookCard in connection with any Project;
(f) The Client fails to respond within the Feedback Window on two (2) or more occasions across any Projects held with LookCard;
(g) The Client disputes, reverses, or charges back any payment to LookCard without a legitimate legal basis fordoing so.
8.4 Termination for Convenience
LookCard may terminate this Agreement for convenience upon fourteen (14) days' written notice to the Client. In such event, LookCard shall refund any prepaid fees in respect of work not yet commenced (but not any deposit, which remains non-refundable in all circumstances).
8.5 Effect of Termination
Upon termination of this Agreement for any reason: all outstanding sums become immediately due and payable; LookCard shall be entitled to retain all sums paid; LookCard shall be under no obligation to deliver any Deliverables until all outstanding sums are paid in full; and all licences granted under this Agreement (if any) shall immediately cease.
9. Cross-Account and Multi-Service Termination Rights
9.1 Acknowledgement of Multi-Service Relationships
The Client acknowledges that LookCard may provide Services in relation to multiple Connected Accounts simultaneously or sequentially, and that such accounts form part of the same overarching business relationship between the parties.
9.2 Right to Act Across Connected Accounts
Where LookCard exercises any right to suspend, withhold, or terminate under Clauses 8 or 5, or where the Client is in breach of any provision of these Terms in connection with any single account, project, or service, LookCard shall be entitled — without further notice and without liability — to exercise any or all of the following remedies across all Connected Accounts simultaneously:
(a) Suspend, restrict access to, or terminate any and all Connected Accounts, websites, platforms, applications, domains, or services provided to the same Client;
(b) Place a hold or freeze on all pending and in-progress work across all Connected Accounts;
(c) Withhold delivery of Deliverables, credentials, domain transfers, or access codes in relation to all Connected Accounts until all outstanding liabilities across all accounts are discharged in full;
(d) Apply any sums owed to LookCard from any Connected Account against outstanding liabilities in any other Connected Account.
9.3 Definition of Connected Accounts for This Clause
For the purposes of this Clause 9, a Connected Account shall include any account, project, or service that is owned, operated, managed, directed, or beneficially held — directly or indirectly — by:
(a) The Client personally;
(b) Any company or entity in which the Client holds, or has at any time held, any shares, directorship, partnership interest, beneficial interest, or managerial role;
(c) Any individual or entity acting as agent, nominee, trustee, or proxy for or on behalf of the Client;
(d) Any spouse, civil partner, or immediate family member of the Client where LookCard has reasonable grounds to believe the Client exercises effective control or holds a material beneficial interest;
(e) Any entity that shares the same trading address, contact details, or ultimate beneficial owner as the Client.
9.4 No Liability for Cross-Account Actions
LookCard shall not be liable to the Client, or to any third party with an interest in any Connected Account, for any losses, damages, costs, or expenses — including but not limited to loss of revenue, loss of data, website downtime, loss of business opportunity, or reputational harm —arising from LookCard's exercise of its rights under this Clause 9.
9.5 Commercial Reasonableness
The Client expressly agrees and confirms that LookCard's cross-account termination rights under this Clause 9 are a commercially reasonable, legally permissible, and proportionate means of protecting LookCard's financial interests and enforcing its contractual rights across a multi-service commercial relationship.
9.6 Third-Party Claims
The Client shall indemnify LookCard against any and all claims, proceedings, costs, or demands brought by any third party arising from LookCard's exercise of its cross-account rights, including any claim by a co-director, co-shareholder, or third party with an interest in a Connected Account.
10. Intellectual Property 10.1
All intellectual property rights in the Deliverables — including copyright, design rights, trademarks, and database rights — shall remain vested in LookCard until all sums due in respect of the relevant Project are received in full and cleared funds.
10.2 Upon receipt of full and final payment, LookCard shall assign to the Client such intellectual property rights in the Deliverables as are necessary for the Client to use them for their intended purpose, unless a different arrangement is agreed in writing.
10.3 LookCard retains an irrevocable, perpetual, royalty-free license to display all Deliverables as examples of its work in its portfolio, on its website, and in marketing materials, unless the Client makes a written request for confidentiality prior to commencement.
10.4 The Client warrants that all materials provided to LookCard are either owned by the Client or that the Client has full rights to use them. The Client shall indemnify LookCard against any third-party intellectual property claim arising from materials provided by the Client.
10.5 Where LookCard uses third-party elements (stock images, fonts, frameworks, plugins) in Deliverables, LookCard shall endeavor to ensure appropriate licenses are in place, but the ongoing responsibility for maintaining such licences post-delivery rests with the Client.
11. Confidentiality
11.1 Each party shall keep strictly confidential all Confidential Information received from the other party and shall not disclose it to any third party without the prior written consent of the disclosing party, except as required by applicable law, regulation, or court order.
11.2 "Confidential Information" includes all non-public technical, commercial, financial, and strategic information disclosed by one party to the other in connection with the Services.
11.3 The obligations under this Clause 11 shall survive the termination or expiry of this Agreement for a period of five (5) years.
11.4 LookCard shall be entitled to disclose the existence of the Client relationship and the general nature of Services provided (without disclosing Confidential Information) for portfolio and marketing purposes, subject to Clause 10.3.
12. Limitation of Liability12.1 To the maximum extent permitted by applicable law, LookCard's total aggregate liability to the Client arising out of or in connection with this Agreement — whether in contract, tort(including negligence), breach of statutory duty, misrepresentation, or otherwise— shall not exceed the total fees paid by the Client to LookCard in the twelve(12) calendar months immediately preceding the event or circumstances giving rise to the claim.
12.2 In no circumstances shall LookCard be liable for any:
(a) loss of profits, turnover, or revenue;
(b) loss of anticipated savings;
(c) loss of business or contracts;
(d) loss of goodwill or reputation;
(e) loss of data or software; (f) indirect, consequential, special, incidental, or punitive loss or damage — in each case, whether or not such losses were foreseeable or LookCard had been advised of their possibility.
12.3 LookCard shall not be liable for any failure or deficiency in the Services arising from:
(a) the Client's failure to provide timely, accurate, or complete instructions, materials, or approvals;
(b) the Client's use or misuse of Deliverables after delivery;
(c)acts or omissions of third-party suppliers, platforms, or service providers.
12.4 Nothing in these Terms shall limit or exclude LookCard's liability for:
(a) death or personal injury caused by LookCard's negligence;
(b) fraud or fraudulent misrepresentation; (c) any other liability that cannot lawfully be excluded or restricted under English law.
13. Client Indemnity
The Client shall fully indemnify, defend, and hold harmless LookCard, its directors, officers, employees, agents, and subcontractors (each an 'Indemnified Party') from and against any and all claims, liabilities, damages, losses, proceedings, demands, costs, and expenses (including legal fees on a full indemnity basis) arising from or in connection with:
(a) The Client's breach of any provision of these Terms;
(b) The Client's use or misuse of the Deliverables following delivery;
(c) Any third-party claim arising from materials, content, data, or instructions provided by the Client;
(d) Any claim by a third party with an interest in a Connected Account as a result of LookCard's exercise of its rights under Clause 9;
(e) Any claim arising from the Client's fraudulent, negligent, or unlawful conduct;
(f) Any chargeback, payment reversal, or payment dispute initiated by the Client without a legitimate legal basis.
14. Data Protection14.1 Both parties shall comply with their respective obligations under the UK General Data Protection Regulation(UK GDPR), the Data Protection Act 2018, and all applicable data protection legislation.
14.2 LookCard's Privacy Policy, available at www.lookcard.co.uk, sets out how LookCard collects, processes, and stores personal data and forms part of this Agreement by reference.
14.3 The Client warrants that any personal data provided to LookCard has been collected and is being shared incompliance with applicable data protection law.
15. Force Majeure15.1 LookCard shall not be liable for any failure or delay in the performance of its obligations to the extent that such failure or delay is caused by circumstances beyond LookCard's reasonable control, including without limitation: acts of God, floods, fires, earthquakes, natural disasters, epidemic or pandemic, acts of government or regulatory authority, war, terrorism, civil unrest, cyberattacks, power failures, or failure of third-party telecommunications or internet infrastructure.
15.2 LookCard shall give written notice of a force majeure event as soon as reasonably practicable. Payment obligations in respect of work already performed are not suspended by a force majeure event.
16. Governing Law, Jurisdiction and Global Enforcement
16.1 Governing Law
These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of England and Wales.
16.2 Jurisdiction
The parties irrevocably agree to submit to the exclusive jurisdiction of the courts of England and Wales in respect of any dispute or claim arising out of or in connection with these Terms or their subject matter.
16.3 Global Enforcement
Notwithstanding Clause 16.2, LookCard reserves the right to:
(a) Pursue enforcement proceedings against the Client, or seek recognition and enforcement of any English court judgment, in any jurisdiction worldwide in which the Client, its assets, or any Connected Account may be found or domiciled;
(b) Apply for urgent injunctive or interim relief in any jurisdiction without being required to exhaust other remedies first;
(c) Commence proceedings in any applicable international arbitration forum where LookCard considers this to be more effective than domestic court proceedings.
16.4 Partial Unenforceability
Where any provision of these Terms is held unenforceable under the law of a particular jurisdiction, such unenforceability shall not affect the enforceability of that provision under the laws of England and Wales, nor shall it affect the enforceability of the remaining provisions in any jurisdiction.
16.5 Client Acknowledgement of Global Operations
The Client acknowledges that LookCard operates and provides Services on a global basis and that the terms contained herein are intended to provide LookCard with protection to the fullest extent permissible in all jurisdictions in which the Client operates or in which the Client holds Connected Accounts. The Client agrees not to seek refuge in the laws of any jurisdiction for the purpose of avoiding its obligations under these Terms.
17. Variation, Waiver and Entire Agreement
17.1 LookCard may update these Terms at any time by posting the revised Terms on its website atwww.lookcard.co.uk. Continued engagement with LookCard's Services following any such update constitutes acceptance of the revised Terms.
17.2 No failure or delay by LookCard in exercising any right or remedy shall constitute a waiver of that right or remedy, nor shall it prevent the subsequent exercise of that or any other right or remedy. No single waiver of a breach constitutes a waiver of any subsequent or continuing breach.
17.3 These Terms, together with any project proposal, statement of work, or invoice issued by LookCard, constitute the entire agreement between the parties with respect to their subject matter and supersede all prior representations, negotiations, understandings, and agreements, whether oral or written.
17.4 The Client acknowledges that it has not relied upon any representation or statement not expressly set out in these Terms in deciding to enter into this Agreement.
18. Severability
18.1 If any provision of these Terms is held to be invalid, illegal, or unenforceable in whole or in part by any court or authority of competent jurisdiction, that provision shall be deemed severed and the remainder of these Terms shall continue in full force and effect.
18.2 The parties agree that any invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable while preserving the original commercial intent.
19. Notices19.1 All formal notices and communications under these Terms shall be in writing and addressed to LookCard at its registered office: Jacob Wall Ventures Ltd. (T/A LookCard), 1Blackfriars Road, London, SE1 9GD, United Kingdom, or to such email address as LookCard may specify on its website from time to time.
19.2 All Notices shall be sent by email shall be deemed received upon receipt of a delivery confirmation or, absent such confirmation, at the time of transmission where no bounce-back or error notification is received.
20. Anti-Abuse, Fraudulent Conduct and Good Faith 20.1
The Client agrees to engage with LookCard in good faith at all times and to provide accurate and complete information in connection with all Projects and Services.
20.2 Any attempt by the Client to circumvent LookCard's rights — including but not limited to initiating chargebacks without legitimate legal basis, creating multiple accounts or entities to avoid obligations under these Terms, or providing false information about ownership or control of Connected Accounts — shall constitute a material breach entitling LookCard to terminate all Services immediately and pursue all available legal remedies.
20.3 Where LookCard suffers financial loss as a result of fraudulent or bad-faith conduct by the Client, LookCard reserves the right to pursue the Client for damages on a full indemnity basis, including exemplary damages where available under applicable law.
Acceptance and Binding Confirmation
By engaging LookCard's Services — whether verbally, in writing, by email, or by making any payment to LookCard — the Client confirms that they have read, understood, and unconditionally agree to be bound by these Terms and Conditions in their entirety, without reservation or qualification.
These Terms are legally binding and enforceable under the laws of England and Wales and, to the fullest extent permissible, globally.
Jacob Wall Ventures Ltd. (T/A LookCard) | Company No. 10737896 © 2026 Jacob WallVentures Ltd. Trading as LookCard | Company No. 10737896 | 1Blackfriars Road, London SE1 9GD | www.lookcard.co.uk