Terms and refund policy
Last updated: 12 November 2026
These terms apply when you buy from Finish by Five at finishbyfive.com.
Please read them before you buy.
About us
- Finish by Five is run by Luca Luis Paul Woolls de Freitas Costa, a sole trader based in the UK.
- Contact: lucadecosta@gmail.com
- Postal address: Finish by Five, c/o ENL Marketing Ltd, Suite A, 82 James Carter Road, Mildenhall, IP28 7DE
- We are not VAT-registered, so no VAT is charged.
What we sell
We sell three packages. Each includes everything in the one before.
Learn
- An online video course on using AI tools to save time in a small business.
- It includes the lessons, templates and prompt library in the members area.
- Optional at checkout: the Trade Pack (£27), with extra prompts and templates for your trade.
Setup
- Everything in Learn, plus the Trade Pack.
- A 1-hour live video call where we set things up with you on your own accounts.
- We'll email you to book the call after you pay.
Build
- Everything in Setup.
- We build your core workflows in your first month.
- A check-in call every month.
- New workflows when your business needs them, within fair use.
- £2,000 a month, with a 6-month minimum term.
- Build is for business customers only and is by application.
- It is sold under a separate written agreement. That agreement sets out the work, the minimum term, payment, notice and cancellation. If it differs from these terms, the written agreement applies.
Prices and payment
- Prices are shown in pounds (GBP) on the website at the time you buy.
- Learn: £97 founding price for the first month after launch, then £147.
- Setup: £297.
- Build: £2,000 a month, 6-month minimum term (see the Build agreement).
- Learn and Setup: you pay in full at checkout. Build: you pay monthly, as set out in the Build agreement.
- Payments are handled by Stripe.
- Your contract with us starts when we email to confirm your order.
Access to the course
- You get access straight after payment.
- We email you a login link. There is no password.
- Access is for you only. Please don't share your login or the materials.
- You get lifetime access. This means for as long as Finish by Five runs the course.
- If we ever close the course, we will give you at least 3 months' notice so you can download the templates.
- We may update lessons over time. We won't remove the core content you paid for.
Your 14-day right to cancel
UK law usually gives you 14 days to cancel an online purchase.
Digital content (the course and the Trade Pack)
- The course and Trade Pack are digital content that you get straight away.
- At checkout, you tick a box to say you want instant access.
- By ticking it, you agree that you lose your 14-day legal right to cancel once access starts.
- Our own 15-day money-back guarantee still applies. See below.
Live setup call (Setup)
- You can cancel within 14 days of agreeing the order.
- If you ask us to start work within those 14 days, you will pay for work already done.
- Once the work is finished, you can no longer cancel.
Our 15-day money-back guarantee
- If you're not happy with the course, email us within 15 days of buying.
- For Setup, this refunds the full price as long as the call hasn't happened yet. Once it has, we'll refund the course part.
- Build refunds and cancellation are covered by the Build agreement.
- We will refund you in full. You don't need to give a reason.
- This also covers the Trade Pack.
- Refunds go back to the card you paid with, within 14 days of your request.
- When we refund, your course access ends.
- This guarantee is in addition to your legal rights. It does not replace them.
If something is wrong
- The course must be as described and of satisfactory quality.
- If it isn't, tell us. We will fix it or, if we can't, give you a refund.
- These are your rights under the Consumer Rights Act 2015.
Your use of the course
- The course teaches general methods. Results depend on your business and how you use them.
- AI tools can make mistakes. Always check what they produce before you rely on it, especially for anything legal, financial or customer-facing.
- We don't give legal, tax or financial advice.
- AI tools are run by other companies. Their features, prices and rules may change. We are not responsible for those changes.
Our materials
- We own the course, videos, templates and prompts.
- You can use them in your own business.
- You can't copy, resell, share or publish them.
Our liability
- We are not responsible for losses that we could not reasonably foresee.
- We are not responsible for business losses, such as lost profit or lost data.
- Nothing in these terms limits our liability for death or personal injury caused by our negligence, for fraud, or for anything else the law does not allow us to limit.
Complaints
- Email lucadecosta@gmail.com. We aim to reply within 5 working days.
Changes to these terms
- We may update these terms. The version on the website when you buy is the one that applies to your order.
Law
- These terms are governed by the law of England and Wales.
- If you live in Scotland or Northern Ireland, you can also bring a claim in your local courts.