Terms & Conditions

Terms Of Use

If you do not agree to the Terms of Use, discontinue using the site immediately. By using this site, you signify your Assent and Agreement to these Terms of Use. If you do not agree to these Terms of Use, do not use the site.

Restrictions on Use of Materials

Materials on this website are Copyrighted and all rights are reserved. Text, graphics, databases, HTML code, and other intellectual property are protected by the United Kingdom and International Copyright Laws, and may not be copied, reprinted, published, reengineered, translated, hosted, or otherwise distributed by any means without explicit permission. All of the trademarks on this site are trademarks of Last Word Events & Training (www.janetmurray.co.uk) or of other owners used with their permission.

Database Ownership, License, and Use

Last Word Events & Training Ltd warrants and you accept, that Full Spectrum Agency (www.janetmurray.co.uk) is the owner of the copyright of the Databases of Links to articles and Last Word Events & Training and its contributors reserve all rights and no intellectual property rights are conferred by this agreement.

Last Word Events & Training (www.janetmurray.co.uk) grants you a non-exclusive, non-transferable license to use database(s) accessible to you subject to these Terms and Conditions. The database(s) may be used only for viewing information or for extracting information to the extent described below.

You agree to use information obtained from Last Word Events & Training Ltd’s databases only for your own private use or the internal purposes of your home or business, provided that is not the selling or brokering of information, and in no event cause or permit to be published, printed, downloaded, transmitted, distributed, reengineered, or reproduced in any form any part of the databases (whether directly or in condensed, selective or tabulated form) whether for resale, republishing, redistribution, viewing, or otherwise. 

Nevertheless, you may on an occasional limited basis download or print out individual pages of information that have been individually selected, to meet a specific, identifiable need for information which is for your personal use only or is for use in your business only internally, on a confidential basis. You may make such limited number of duplicates of any output, both in machine-readable or hard copy form, as may be reasonable for these purposes only. Nothing herein shall authorise you to create any database, directory or hard copy publication of or from the databases, whether for internal or external distribution or use.

Terms of booking & refunds

Please be aware before you buy that we do not offer refunds on product/services i.e. you can’t return the product/service because you don’t like it and/or have changed your mind.

If you are unhappy with your product/service e.g. because it is faulty please note that all sales are considered final 14 days from the date of payment being received. 

If you require a refund on/before 14 days from the date of sale, you will need to supply a written notice of said request (email is acceptable) to [email protected].

All cancellations and refunds must be authorised by Last Word Events & Training (www.janetmurray.co.uk

Further Product Return Requirements and Conditions: 

    1. Written detailed reasons for cancellation should accompany your written notice of cancellation  
    2. A copy of your sales receipt indicating payment type must accompany written notice of cancellation 
    3. Your name, address, telephone number and email address must be legible and contained within your written notice of cancellation.  

Approval of Refund Request

I understand there will be no consideration or authorisation for a refund without meeting all cancellation requirements and conditions outlined above.

I understand upon approval of my refund request, any payments made under this written contract of sale will be refunded within 10 business days. 

I understand that you will not be responsible for honouring refunds that do not follow the process outlined above. 

The following terms apply (unless stated differently on the landing page)

Digital products: To qualify for a refund you must provide proof that you have followed the whole training and implemented each and every step in your business.

Events: we don’t provide refunds for events (live or in person). In certain circumstances you may be able to transfer your ticket to a friend/colleague, but only with the permission of Last Word Events & Training (www.janetmurray.co.uk). 


The materials in this site are provided “as is” and without warranties of any kind either express or implied. Last Word Events & Training (www.janetmurray.co.uk) disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Last Word Events & Training (www.janetmurray.co.uk) does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or other harmful components. Full Last Word Events & Training (www.janetmurray.co.uk) does not warrant or make any representations regarding the use or the results of the use of the materials in this site in terms of their correctness, accuracy, reliability, or otherwise. You (Last Word Events & Training (www.janetmurray.co.uk) assume the entire cost of all necessary servicing, repair or correction. Applicable law may not allow the exclusion of implied warranties, so the above exclusion may not apply to you. 

Under no circumstances, including, but not limited to, negligence, Last Word Events & Training (www.janetmurray.co.uk)  be liable for any special or consequential damages that result from the use of, or the inability to use, the materials in this site, even if Last Word Events & Training (www.janetmurray.co.uk)  or a Last Word Events & Training (www.janetmurray.co.uk)  authorised representative has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event shall Last Word Events & Training (www.janetmurray.co.uk)  total liability to you for all damages, losses, and causes of action (whether in contract, tort, including but not limited to, negligence or otherwise) exceed the amount paid by you, if any, for accessing this site.

Facts and information at this website are believed to be accurate at the time they were placed on the website. Changes may be made at any time without prior notice. All data provided on this website is to be used for information purposes only. The information contained on this website and pages within is not intended to provide specific legal, financial or tax advice, or any other advice, whatsoever, for any individual or company and should not be relied upon in that regard. The services described on this website are only offered in jurisdictions where they may be legally offered. Information provided in our website is not all-inclusive and is limited to information that is made available to Full Spectrum Agency (fullspectrumagency.com) and such information should not be relied upon as all-inclusive or accurate.

Earnings Disclaimer

The information presented on this website is intended to be for your educational and entertainment purposes only.

The testimonials on the website are not a guarantee that you will achieve the same results (financial or otherwise).

Before embarking on any endeavour, please use caution and seek the advice of your own personal professional advisors, such as your solicitor and your accountant.

Where income figures are mentioned (if any), those income figures are anecdotal information passed on to us concerning the results achieved by the individual sharing the information. We have performed no independent verification of the statements made by those individuals.

There are many factors that influence success – including the amount of time you devote and prior knowledge/skills and experience. So please do not assume that you will make those same income figures.

Links and Marks

The owner of this site is not necessarily affiliated with sites that may be linked to this site and is not responsible for their content. The linked sites are for your convenience only and you access them at your own risk. Links to other websites or references to products, services or publications other than those of Last Word Events & Training (www.janetmurray.co.uk)  and its subsidiaries and affiliates at this website, do not imply the endorsement or approval of such websites, products, services or publications by Full Spectrum Agency (fullspectrumagency.com) or its subsidiaries and affiliates.

Certain names, graphics, logos, icons, designs, words, titles or phrases at this website may constitute trade names, trademarks or service marks of Last Word Events & Training (www.janetmurray.co.uk) or of other entities. The display of trademarks on this website does not imply that a license of any kind has been granted. Any unauthorised downloading, re-transmission, or other copying of modification of trademarks and/or the contents herein may be a violation of federal common law trademark and/or copyright laws and could subject the copier to legal action.

Confidentiality of Codes, Passwords and Information

You agree to treat as strictly private and confidential any Subscriber Code, username, user ID, or password which you may have received from Full Spectrum Agency (fullspectrumagency.com), and all information to which you have access through password-protected areas of Full Spectrum Agency (fullspectrumagency.com)’s websites and will not cause or permit any such information to be communicated, copied or otherwise divulged to any other person whatsoever.

Other Legal Stuff 

These Terms of Use will apply to every access to Last Word Events & Training (www.janetmurray.co.uk) reserves the right to issue revisions to these Terms of Use by publishing a revised version of this document on this site: that version will then apply to all use by you following the date of publication. Each access of information from Last Word Events & Training (www.janetmurray.co.uk) will be a separate, discrete transaction based on the then prevailing terms.

This Terms of Use and the license granted may not be assigned or sublet by Last Word Events & Training (www.janetmurray.co.uk) written consent in advance. These Terms of Use shall be governed by, construed and enforced in accordance with the laws of the United Kingdom, as it is applied to agreements entered into and to be performed entirely within such jurisdiction.

To the extent you have in any manner violated or threatened to violate Last Word Events & Training (www.janetmurray.co.uk) and/or its affiliates’ intellectual property rights, Last Word Events & Training (www.janetmurray.co.uk) and/or its affiliates may seek injunctive or other appropriate relief.


These Terms of Use agreement are effective until terminated by either party. You may terminate this agreement at any time by destroying all materials obtained from any and allfullspectrumagency.com site(s) and all related documentation and all copies and installations thereof, whether made under the terms of this agreement or otherwise. This agreement will terminate immediately without notice at Last Word Events & Training (www.janetmurray.co.uk) sole discretion, should you fail to comply with any term or provision of this agreement. Upon termination, you must destroy all materials obtained from this site and any and all other Last Word Events & Training (www.janetmurray.co.uk) and all copies thereof, whether made under the terms of this agreement or otherwise.

Last Word Events & Training Ltd
Registered in England:

VAT number:  138 9646 66
Company number: 08156568