1. Introduction

1.1 We are ZoomClinic Ltd. Our company information is at the end of this document.


2.1. The following (capitalised) definitions apply in this document:

a) “App” – the ZoomClinic mobile application and any related services supplied by us.

b) “Consumer” - an individual acting for purposes which are wholly or mainly outside that person’s trade, business, craft or profession.

c) “Content” - all information of whatever kind (including profiles, posts, comments, images, photos, audio, Video, messages, Reviews etc.), uploaded to our Service (including messages sent via our Service).

d) “Patient” – a User who uses our Service to avail of Professional Services.

e) “Professional” – a User who uses our Service to supply Professional Services to Patients.

f) “Professional Services Contract” – a contract for the supply of Professional Services between Professional and Patient.

g) “Professional Services” – medical and other professional services offered via our Service and either delivered via our Service by Video or outside our Service (eg in clinic).

h) “Review” - any review, comment or rating.

i) “Service” – our App.

j) “Store” – the app distributor from which you download the App (e.g. Apple App Store, Google Play App Store).

k) “Store Rules” – any applicable rules, policies or terms of the relevant Store.

l) “Video” – the video-conferencing feature of our App.

m) “User” - persons or organisations using our Service (whether or not registered with us).

3. Applicability of terms and conditions

3.1. Please read these terms and conditions carefully. They replace any previous versions. By downloading our App you agree to be bound by these terms and conditions. Please print or save these terms for future use as we will not keep a file copy specifically for the transaction with you and we cannot guarantee that they will remain accessible on our Service in future. These terms and conditions are available in the English language only.

3.2. These terms and conditions apply to all Users. They constitute an “end user licence agreement” between you and us (not the Store) in relation to our App and, in addition, you agree to be bound by the Store Rules.

3.3. Where you communicate with us on behalf of a company / organisation, you promise that you have authority to act on behalf of that entity.

4. Changes to the terms and conditions

4.1 We may change these terms and conditions by giving you at least 15 days’ notice unless a more urgent change is needed to comply with laws or regulations or to deal with an unforeseen and imminent danger. We will notify you by email, SMS and/or in-app message. If you don’t agree to the new terms, you should end this contract before the effective date as explained below.

5. Your right to use our Service

5.1. We grant you a limited personal non-transferable right to use our Service on any applicable device owned or controlled by you subject to these terms and conditions and, where applicable, in accordance with the Store Rules.

6. Who can use our Service?

6.1. You must not use, or attempt to register on, our Service if:

a) you are below 18 years of age; or

b) you have been convicted of any offence, or subject to any court order, relating to assault, violence, sexual misconduct, harassment or dishonesty.

6.2. Our Service is designed for, and may only be used by, persons who genuinely intend to use the Service to provide or avail of Professional Services.

7. Professional Services (very important - we only provide a platform)


7.1 Our Service constitutes a neutral platform whereby Professionals can arrange to supply Professional Services to Patients. Any Professional Services Contract is between the respective Professional and Patient and the terms are for the parties to determine except insofar as set out below. We are not a party to the Professional Services Contract itself. You acknowledge that any legal recourse arising from breach of the Professional Services Contract is against the other party to the Professional Services Contract and not against us. You also separately promise us that you will comply with the Professional Services Contract.

7.2 If you have any complaint about another User, you must notify us promptly by email to our email address shown below. We may in our discretion try to resolve the dispute but we do not promise to get involved.

7.3 Professionals undertake to us (and to the relevant Patient unless the parties otherwise agree) that in connection with supply of the Professional Services to Patients that:

a) they have and will maintain the necessary abilities (including licenses, permissions, qualifications, skills, training, expertise);

b) they will act in accordance with the applicable professional standards; and

c) they will comply with all applicable laws and regulations and will not infringe any third party rights.

7.4 If you order the supply of Professional Services for a child under 18, you promise us and the Professional that:

a) you are the parent or guardian of the child; 

b) you will accompany the child to the appointment and 

c) you will bring proof of the child’s ID and date of birth, in case required by the Professional.  

7.5 Users agree with each other that they will deal with other Users in a polite and courteous manner.

7.6 Users agree with each other that they will only use any personal information of other Users strictly in accordance with applicable confidentiality and data protection laws and regulations. 

7.7 Patients undertake to us that during the period of this agreement and for six months thereafter they will only book consultations and professional treatment by Professionals via the Service and not directly with the Professional.

7.8 Professionals undertake to us that during the period of this agreement and for six months thereafter they will only take bookings for consultations and professional treatment from Patients via the Service and not directly from the Patient.


7.9 Users agree with each other that they will take reasonable steps to be ready to start the Video session at the appointed time. The Professional is responsible for initiating the Video call and, if unable to contact with the Patient by Video, to immediately try to contact the Patient by telephone or email to arrange for the appointment to proceed by alternative means.

7.10 The Professional is responsible for referring the Patient for urgent intervention via NHS 111 or 999 if appropriate. ZoomClinic holds no clinical responsibilities. ZoomClinic simply provides a platform for clinicians and users. Clinical responsibilities lie completely between the Professional/clinician and the client/user. 

7.11 Neither the Professional nor the Patient shall record audio, video or images of the other during the Video without the prior documented consent of the other. 

7.12 Sometimes, you will not be able to receive services – We may not be able to provide our services if they are affected by events outside our control. We are not responsible to you if this happens. If a telecommunications error occurs, the Professional and the User/patient must contact each other by alternative methods as soon as possible and without delay. 

7.13 Consultation video recordings or photographs should not be published on social media or any other media sharing platforms. No images must be captured, stored or shared without documented consent by the user and healthcare professional. 

Payment by Patients

7.14 Patients must pay the relevant fee to us in advance on behalf of the Professional as shown on our App, which includes any applicable VAT.   This is a part payment of the fee due to the Professional. You authorise us and our payment provider to charge your payment card for the relevant amounts when payments are due in accordance with this agreement.

7.15 You must pay any balance directly to the Professional at the time of your appointment or as otherwise agreed with the Professional.

Cancellation by the Professional

7.16 The Professional is entitled to cancel a booking at any time by giving notice via the App. If so, we will refund the Patient fee to the Patient in full. We also reserve the right to apply a one-star rating to the Professional in respect of that booking. 

Patient’s legal right to cancel the Professional Services Contract (“cooling off”)

7.17 If you are a Consumer living in the “European Economic Area”, you have the right to cancel the Professional Services Contract subject to the provisions set out below.  

7.18 You lose the right to cancel contracts for the supply of services which have been fully performed, i.e. completed.

7.19 If you do have the right to cancel, please see the instructions at the end of this document.

Patient’s separate right to cancel appointments

7.20 Separately from (and without affecting) the above cooling off rights, you can cancel your appointment at any time via the cancellation procedure in the app. If so, there will be a full refund unless you cancel within 48 hours of the appointment date, in which case there will be no refund.

7.21 There may be separate banking fees in addition to the booking fee of which the terms of agreement will be specified within the app. If you cancel your appointment within 48 hours of your appointment time, then the banking fee will not be refundable. 

Payment to Professionals 

7.22 Subject to your compliance with this agreement, and provided you haven’t cancelled the booking, we will take reasonable steps to pay you weekly (or at alternative intervals we decide) by whatever method we specify the amount of the fee received from the Patient subject to any deductions mentioned below. If applicable, it is your responsibility to collect the balance of your fee directly from the Patient.

7.23 We are entitled to deduct our fee and the payment provider fee (plus any applicable VAT) from the Patient fee in the amounts specified by us when you signed up for the Service. We may at any time change the amount of these fees. If so, we will give you notice by email, SMS or in-app message. Any bookings made after that notice will be subject to our new fees. 

7.24 We are entitled in our discretion to refund to the Patient on your behalf all or part of the Patient fee insofar as the Patient makes a complaint or raises a dispute or cancels the booking within any applicable cancellation period or if we otherwise consider it appropriate to make such a refund in our discretion (which may be based on any cancellation policy which applies at that time). We are entitled to deduct the amount of such refund from any other fees due to you and you are liable to repay any shortfall if the relevant Patient fees have already been paid to you. 

7.25 We are entitled to deduct from the fees due to you the amount of any chargeback which has arisen or which we consider is likely to occur (irrespective of whether the chargeback relates to the payment currently due). You agree to pay to us immediately on demand the amount of any chargeback relating to a payment which we have transmitted to you.

7.26 You are responsible for making up any shortfall arising from charges made by your bank.

7.27 You are responsible for checking that any invoices provided by us are suitable for your purposes and for accounting for VAT or any other applicable tax. We do not offer tax-related advice.

For Professionals only

7.28 Professionals agree to immediately inform us in writing of any relevant change to their circumstances, for example any changes to their licence to practice or professional insurance cover.

7.29 We reserve the right in our discretion without notice to edit the text or layout of your listing to ensure it complies with our terms and conditions and otherwise in accordance with how we think your presence should appear on our Service.

7.30 We rank Professional listings as explained on our Service. Rankings may be influenced by payment if we offer sponsored or similar listings which offer increased prominence. 

7.31 You acknowledge that we do not supply Professionals with access to any personal or other information provided to us or generated by use of our Service other than Customer contact information to enable Professionals to fulfil orders or as otherwise explained on our Service. We do not share any such information with anyone else except insofar as this is necessary for the proper functioning of our Service.

8. Acceptable use of our Service

8.1 You undertake not to do any of the following in connection with the Service:

a) breach any applicable law, regulation or code of conduct;

b) upload any Content (including links or references to other content), or otherwise behave in a manner, which:

  • is defamatory, threatening, harassing, invasive of privacy, offensive, vulgar, racist, hateful, discriminatory, obscene, pornographic, sexually suggestive, promoting of self-harm, misleading, abusive or deceptive;
  • infringes any intellectual property or other rights of others;
  • involves phishing or scamming or similar; or 
  • we otherwise reasonably consider to be inappropriate;

c) upload any Content which includes someone else’s personal information unless that person is 18 years or over and you have obtained that person’s explicit written consent or you are the parent or guardian of such person;

d) impersonate any person or entity in order to mislead others;

e) upload any Content which links to any third party websites which are unlawful or contain inappropriate Content; 

f) sell access to the Service;

g) use the Service to provide a similar service to third parties or otherwise with a view to competing with us;

h) sell advertising, sponsorship or promotions on or in connection with Content except where explicitly authorized by us;

i) use the Service for junk mail, spam, pyramid or similar or fraudulent schemes;

j) do anything which may have the effect of disrupting the Service including  denial of service attacks, worms, viruses, software bombs or mass mailings; 

k) do anything which may negatively affect other Users’ enjoyment of the Service;

l) gain unauthorised access to any part of the Service or equipment used to provide the Service; 

m) use any automated means to interact with our systems excluding public search engines; or

n) attempt, encourage or assist any of the above.

8.2. You undertake to:

a) comply with any rules or requirements on our Service;

b) promptly comply with any reasonable request or instruction by us in connection with the Service; and

c) ensure that any contact or other information which you supply to us is accurate and not misleading and you will update it so that it remains so.

9. Your Content

9.1 You are responsible for your profiles, Reviews and other Content. 

9.2 You guarantee that you have (and will retain) all rights and permissions needed to enable use of your Content as contemplated by the Service and these terms and conditions.

9.3 If you post a Review, you guarantee that you have no personal or business relationship with the entity, product or service being reviewed, that you are not a competitor of that entity, that have not been offered any incentive to write the Review and that the Review is your independent, honest, genuine opinion. 

9.4 We reserve the right without notice or refund to reject, suspend, alter, remove or delete Content or to disclose to the police or other relevant authorities or to a complainant any Content or behaviour if it is the subject of complaint or where we have reason to believe that it breaches our terms and conditions, or that such steps are necessary to protect us or others, or that a criminal offence may have been committed, or where required by law or where requested by the police or other appropriate authorities.  If so, you must not attempt to re-publish or re-send the relevant Content.

9.5 It is your responsibility to decide which Content to upload (subject to these terms and conditions). We do not accept responsibility if your Content is misused by others as this is outside our reasonable control. Do not upload any Content if you are concerned that it may be misused. 

9.6 We do not guarantee that any profile or other Content will generate any particular level of revenues or suitable enquiries. 

9.7 We reserve the right to place advertisements adjacent to or within your Content. We retain all revenue from such advertisements.

9.8 It is your responsibility to make your own backup of Content to protect you in case of loss or damage to such material. We are not responsible for such loss or damage.

9.9 We may irretrievably delete your Content without telling you after this agreement ends or if your account has been inactive for six months.  

9.10 Uninstalling the App may result in deletion of all Content on your device.

10. Other Users and their Content

10.1 You accept that we have no obligation to vet or monitor Users or their profiles or other Content. We do not endorse or recommend any Professionals. You rely on such information and/or deal with other Users at your own risk. We accept no legal responsibility for the accuracy of, or otherwise in relation to, any such Content or in connection with any dealings between Users. It is your responsibility to carry out careful and detailed investigations before dealing with other Users including use of or reliance on their Content. You should not assume that any Content from another User is accurate and be aware that a person may not be who he or she claims to be. 

10.2 You acknowledge that in using the Service you may encounter behaviour or Content which you consider inappropriate. If so, please email us to our email address shown below {including if you wish to give us notice of defamatory material). Please also use any available blocking mechanisms, seek relevant external help If appropriate (e.g. from law enforcement authorities) and/or stop using the Service. 

10.3 If you are a Professional, you acknowledge that we permit Patients to post Reviews in relation to you and/or your goods or services (or may do in future) and that these will be publicly available for viewing and will remain so after this agreement ends. We are not responsible for monitoring or editing Reviews. You acknowledge that such Reviews may be critical or defamatory of you.

11. Other peoples’ services / advertising / websites

11.1 We may display other peoples’ services, advertising and /or links to other websites. We do not recommend or endorse, nor are we legally responsible for, any of these. You use them at your own risk.

12. Guidance

12.1. If we ourselves provide any guidance or other general information on our Service, we do not guarantee that it is accurate or up to date and we do not accept legal responsibility for it. Before acting on such information, you must make your own appropriate and careful enquiries including as to its accuracy and suitability for your purposes. You rely on such information at your own risk.

13. Your account

13.1. Unless otherwise specifically stated on our Service, your account is for your personal use only and is non-transferable. You undertake not to allow any other person to use your account. You undertake to take reasonable care to keep your login information confidential and to notify us immediately of any apparent breach of security such as loss, theft, misuse or unauthorised disclosure or use of a password. You are responsible for third parties who use your account or identity (unless and to the extent that we are at fault).

14. Discount codes

14.1. We may offer discount codes from time to time. Such codes may only be applied to purchases made through the account in respect of which the discount code was offered and registered and are not transferrable or redeemable for cash. Unless otherwise stated: codes (1) are only available for future new orders placed online; (2) cannot be used retrospectively; (3) can only be redeemed once per customer; and (4) expire after 12 months. You cannot use more than one discount code per transaction unless we state otherwise; if we do so, the order in which the codes are to be applied is in our sole discretion.

14.2. We reserve the right to reject any discount code if we consider that it is being used in breach of these terms. Discount codes are subject to any additional specific terms and conditions which are specified at the point of issue. We reserve the right to discontinue or otherwise modify any discount codes at any time without prior notice.

15. Compatibility of App

15.1. The App is compatible with applicable mobile devices and associated operating systems (OS’s) which have been released as at the date we launched the App (or as at the most recent App update). We do not guarantee that the App is or will be compatible with any other devices or OS’s. We may issue App updates through the Store; if so, you may not be able to use our App properly or at all until you have downloaded the update, which may be subject to the agreement of new terms and conditions. It is your responsibility to frequently monitor for App updates and to install them as soon as they become available.

16. Functioning of our Service

16.1. We do not guarantee that the Service will be uninterrupted or error-free. We are entitled, without notice and without liability (a) to suspend the Service for repair, maintenance, improvement or other technical reason and (b) to make changes to the Service (including limitations such as XXX) provided these don’t have a seriously negative affect the Service.

17. Ending this agreement to use our App

17.1. You may at any time end this contract by closing your account or otherwise following any applicable instructions on our Service.

17.2. We are entitled to end this contract or suspend part or all of our Service or impose restrictions on our Service if:

a) you become bankrupt or go into liquidation or similar or become insolvent;

b) you break this contract;

c) any fees payable by you are unpaid / unjustifiably charged back; 

d) acting reasonably, we think that it is necessary to protect us or others; 

e) we are required to do so by applicable law or regulation or to comply with an order, instruction or request from a competent authority; or

f) you or anyone on your behalf acts inappropriately towards our staff.

g) You fail to provide adequate evidence of up to date insurance documentation or other relevant professional qualifications ( if a healthcare professional)

h) For any other reason.

17.3. If you are a Provider and we end the contract, we will give you at least 30 days’ notice unless we have a legal or regulatory obligation, or a legal right, to end it earlier, or you have repeatedly broken this contract.

17.4 If this contract ends: 

a) if the relevant Professional Services have not yet been provided to the Patient, any pending Professional Services Contracts will automatically terminate subject to full refund to the Patient of any fees paid to us (unless the Patient is in breach of this agreement);

b) after the end of the contract, we may retain access to information provided or generated by Professionals in order to deal with disputes, enforce our terms and conditions or manage or improve our Service generally;

c) your right to use our App is terminated;

d) any rights and liabilities which arose before termination are unaffected; 

e) all clauses in this agreement which are stated or intended to continue after cancellation will continue to apply; and

f) you must not attempt to re-download our App if we have given you notice of termination.

18. Limitations on our legal responsibility

18.1 Nothing in this agreement in any way limits or excludes our liability for negligence causing death or personal injury or for fraud or fraudulent misrepresentation or for anything which may not legally be excluded or limited. In this section, any reference to us includes our employees and agents.

18.2 Very important: If you are a Consumer, we shall not be liable for any loss or damage where:

a) there is no breach of a legal duty owed to you by us or by any of our employees or agents;

b) such loss or damage was not reasonably foreseeable (meaning it was not an obvious consequence of our breach or not contemplated by you and us at the time we entered into this contract); 

c) (and to the extent that) such loss or damage is caused by you, for example by not complying with this agreement; or

d) such loss or damage relates to a business of yours.

18.3 Very important: If you are a Consumer, you will be liable for any reasonably foreseeable loss or damage we suffer arising from your breach of this agreement or misuse of our Service (subject of course to our obligation to minimise any losses).

18.4. The following clauses apply only if you are not a Consumer:

a) Our total aggregate liability of any kind (including our own negligence) is limited to the total fees paid by you to us in connection with our Service.

b) In no event (including our own negligence) will we be liable for any:

  • economic losses (including, without limit, loss of revenues, profits, contracts, business or anticipated savings);
  • loss of goodwill or reputation;
  • special, indirect or consequential losses; or
  • damage to or loss of data

(even if we have been advised of the possibility of such losses).

c) You will indemnify us against all claims and liabilities directly or indirectly related to your use of the Service and/or breach of this agreement.

d) To the extent allowed by law, you and we exclude all terms, whether imposed by statute or by law or otherwise, that are not expressly stated in this agreement. 

e) This agreement constitutes the entire agreement between us with respect to its subject matter and supercedes any previous communications or agreements between us. We both acknowledge that there have been no misrepresentations and that neither of us has relied on any pre-contractual statements. Liability for misrepresentation (excluding fraudulent misrepresentation) relating to the terms of this agreement is excluded.

18.5. The following applies where Apple Inc is the Store:

a) In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the App (if applicable). To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be our sole responsibility subject to these terms and conditions.  

b) We, not Apple, are responsible for addressing your claims or the claims of any third party relating to the App or the end-user’s possession and/or use of that App, including, but not limited to: (i) product liability claims; (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation.

19. Intellectual property rights

19.1 The intellectual property rights in all material used on or in connection with our Service are owned by us or by our partners or other Users. For your personal use only, you may view such material on your device.  You must not otherwise use such material including copying, publishing, selling or adapting it or taking extracts from it without our specific prior written consent.   You must not misrepresent the ownership or source of such material, for example by changing or removing any legal notices or author attributions.

19.2 Just to be clear - you must not collect, scrape, harvest, frame or deep-link to any Content on our Service without our specific prior written consent. 

19.3 You must not circumvent or otherwise interfere with any security related features of the Service or features that limit or prevent copying of Content or which restrict use of Content. 

19.4 You must not reverse-engineer or decompile any of our software in any way (except to the extent allowed by applicable law). You must not create or use a modified or derivative version of our software or distribute or sublicense our software to third parties.  You must take reasonable steps to ensure that our software is not disclosed to any third party. 

19.5 If you upload any Content to our Service, you retain ownership of the intellectual property rights. You allow us at no cost, for so long as this contract lasts, to use and adapt all or part of such material however we wish on our Service. You also allow each User to use your Content in accordance with these terms and conditions.

19.6 If you are a Professional: You retain ownership of your logos, trade marks and brand names. You are entitled to make your trading identity visible on our Service but subject to how we think your presence should appear.

19.7 In the event of any third party claim that the App or your possession and use of the App infringes that third party’s intellectual property rights, we, not the Store, will be solely responsible for the investigation, defence, settlement and discharge of any such intellectual property infringement claim.

20. Privacy

20.1. You acknowledge and agree that we may process your personal information in accordance with the terms of our privacy policy which is subject to change from time to time.

21. Events outside our control

21.1. We are not liable for failure to perform or delay in performing any obligation under this agreement if the failure or delay is caused by any circumstances beyond our reasonable control including third party telecommunication failures.

22. Legal compliance

22.1. You promise that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties. (This clause is required by Apple, Inc.)

23. Transfer

23.1. We may transfer all or part of our rights or duties under this agreement provided we take reasonable steps to ensure that your rights under this agreement are not prejudiced. As this agreement is personal to you, you may not transfer any of your rights or duties under it without our prior written consent.

24. English law

24.1. This contract is under English law and any disputes will be decided only by the courts of the United Kingdom. If you are a Consumer, you will benefit from any mandatory provisions of the law of the country in which you are resident. Nothing in these terms and conditions affects your rights as a consumer to rely on such mandatory provisions of local law. You may be entitled to use an EU online dispute resolution service to assist with any contractual dispute you may have with us. This service can be found at http://ec.europa.eu/consumers/odr/. Our email address is at the end of this document.

25. General

25.1. We may send all notices under this agreement by email to the most recent email address you have supplied to us (unless otherwise stated in this agreement). Headings used in this agreement are for information and not binding. Any failure by either party to exercise or enforce any right or provision of this agreement does not mean this is a “waiver” (i.e. that it cannot be enforced later). If any part of this agreement is ineffective or unenforceable for any reason, the rest of the agreement shall continue to apply. A person who is not a party to this agreement shall have no rights to enforce this agreement except insofar as expressly stated otherwise. The parties are independent contractors and, except as otherwise specifically stated above, nothing in this agreement constitutes any party as agent, employee or representative of the other.

26. Complaints

26.1. If you have any complaints, please contact us via the contact details shown below.

27. Company information

27.1 Company name: ZoomClinic Ltd

27.2 Trading name: ZoomClinic

27.3 Country of incorporation: England and Wales.

27.4 Registered number: 11279659

27.5 Registered office and trading address: Kemp House 152-160 City Road, London, England, United Kingdom.

27.6 Contact email address: info@zoomclinic.co.uk

27.7 Other contact information: See our website.


The following applies if you have the right to cancel the Professional Services Contract (as explained above):

Right to cancel

1. You have the right to cancel this contract within 14 days without giving any reason.

2. The cancellation period will expire after 14 days from the day of the conclusion of the contract. 

3. To exercise the right to cancel, you must inform us ZoomClinic Ltd  at the email address above, on behalf of the Professional (of your decision to cancel this contract by a clear statement (e.g. a letter sent by post or e-mail – contact details as above). 


4. To meet the cancellation deadline, it is sufficient for you to send your communication concerning your exercise of the right to cancel before the cancellation period has expired.

Effects of cancellation

5. If you cancel the contract, the Professional will reimburse to you all payments received from you.

6. The Professional will make the reimbursement without undue delay, and not later than 14 days after the day on which the Professional is informed about your decision to cancel this contract.

7. The Professional will make the reimbursement using the same means of payment as you used for the initial transaction, unless you have expressly agreed otherwise; in any event, you will not incur any fees as a result of the reimbursement. 

8. If you requested the Professional to begin the performance of services during the cancellation period, you shall pay the Professional an amount which is in proportion to what has been performed until you have communicated to us your cancellation of this contract in comparison with the full coverage of the contract. (Generally this means that there will be no refund of your payment if you cancel within 48 hours of the appointment date.) 

Other provisions explaining how we may exercise our rights under these terms

You may only transfer your rights or your obligations under these terms to another person if we agree.

The agreement for our services is between you and us, and no-one else. Only you can enforce that agreement (although a parent or guardian may enforce their agreement on behalf of a person under 18)