TERMS AND CONDITIONS
Happy Destiny CIC provides a personalised subscription service that allows our members to access community-based support through interest free payment plans and housing assistance programmes for the following reasons:
Housing Support
Eligible members may be offered the opportunity to live in a CIC-purchased home for a minimum term of 5 years. Members must reside in the property and may not sell or rent it out during this period.
Bereavement Support
Assistance of up to an agreed amount may be provided to help cover final expenses in the event of the death of a member or another member of the household.
The other household member must provide proof of residence at the member’s address, dated within 6 months of the application to the bereavement support fund.
Home Improvement Support
Members who have occupied a CIC-provided property for more than 7 years may apply for support with essential home improvements.
Hardship Support
Long-serving Silver Members may be eligible for small hardship support packages at the discretion of the CIC, subject to available funds.
Membership Terms
1. Eligibility
1.1 All members must be 18 years of age or older and must have the legal right to live in the United Kingdom.
1.2 By becoming a member, you agree to abide by these Terms and Conditions and any policies issued by Happy Destiny CIC.
2. Duration of Membership
2.1 Your membership will continue until it is cancelled either by you or by Happy Destiny CIC.
2.2 Membership is based on a recurring subscription model, with payments taken monthly unless otherwise agreed.
3. Payment
3.1 To maintain your membership, you must provide at least one valid and current method of payment. A “Payment Method” means any valid method accepted by us, which may include direct debit, debit/credit card, or payment through an approved third-party account.
3.2 By providing your Payment Method, you authorise us to charge your subscription fee on a recurring basis.
3.3 Unless you cancel your membership before your billing date, you authorise us to charge the subscription fee for the next billing cycle.
3.4 If a payment fails, we may suspend or terminate your membership until payment is received.
4. Subscription Fees
4.1 Subscription fees directly support the work and objectives of Happy Destiny CIC.
4.2 Membership fees are non-refundable.
4.3 We reserve the right to change subscription fees, but members will be given at least 30 days’ notice before any change takes effect.
5. Cancellation by Member
5.1 You may cancel your membership at any time by giving one month’s written notice.
5.2 Cancellation does not entitle you to a refund of any fees already paid.
6. Termination by Happy Destiny CIC
6.1 We reserve the right to terminate your membership immediately if:
You fail to pay your subscription fee,
You breach these Terms and Conditions, or
You engage in behaviour that damages the reputation or integrity of the CIC.
6.2 If your membership is terminated, you will no longer be entitled to any benefits associated with your membership.
7. Changes to Membership Terms
7.1 Happy Destiny CIC may update these Membership Terms from time to time. Members will be notified of any significant changes by email or through our website.
8. Transfer of Membership Plans
8.1 Membership plans may be passed on to a named individual, trustee, or beneficiary as designated at the time of signing up.
8.2 A membership can be started at any age, but the designated named person will be contacted automatically in the event that the membership needs to be transferred.
8.3 The named individual assumes full responsibility for the membership once it is transferred, subject to these Terms and Conditions.
8.4 It is the responsibility of the member to ensure that the details of the named individual are accurate and kept up to date.
8.5 The named individual may be updated or changed at any time during the membership by written notification to Happy Destiny CIC.
PASSWORDS AND ACCOUNT ACCESS
Your password is for your personal use only and must be kept confidential. You are responsible for maintaining the security of your account. If you allow others to access your account (including access to account activity or subscription details), you agree that such individuals are acting on your behalf and that you are bound by any changes they make to the account, including but not limited to changes to the subscription plan.
To help maintain control over the account and to prevent unauthorised use, we strongly advise that you do not reveal your password or share details of the Payment Method associated with your account.
You agree to provide and maintain accurate and up-to-date information relating to your account, including valid contact details, so that we can send you account-related notices.
We reserve the right to terminate or place your account on hold in order to protect you, or Happy Destiny CIC, from identity theft, fraudulent activity, or unauthorised use.
CUSTOMER SUPPORT
If you need more information about our services and features, or if you require assistance with your account, please visit the Happy Destiny CIC Help Centre, which can be accessed through our website at happydestiny.co.uk.
We are also available to support members through other channels, including telephone, email, and video link, to ensure you receive the help you need.
SURVIVAL
If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue to be valid, legal, and enforceable in full force and effect.
CHANGES TO TERM OF USE
Happy Destiny CIC may update these Terms of Use from time to time in the following circumstances:
i) to reflect changes to our services
ii) to ensure compliance with applicable laws and regulatory requirements
iii) to make the Terms of Use clearer or easier to understand
iv) if we intend to restructure or reorganise our business
v) for technological, operational, or security reasons
If you do not wish to accept the updated Terms of Use, you may cancel your membership before the changes take effect.