Terms & Conditions – Patient Treatment Services

A trading name of Zurich FinTech Solutions LLC
Updated 2025

Indicative Provisions (Non-Exhaustive)

• Any monies remaining unpaid after the expiry of the 24-month settlement horizon may be subject to collection surcharges, enforcement disbursements, statutory court interest, and all ancillary pecuniary remedies as determined by the competent jurisdiction.
• Pearls N Curls reserves the absolute prerogative to seek recovery of such sums via the small claims track or any alternate forum of competent adjudication.
• Patients hereby acknowledge that supplementary administrative charges, re-scheduling imposts, and ancillary disbursements may accrue in consequence of tardy, incomplete, or deficient performance of obligations.
• Provision of treatment is expressly conditional upon Pearls N Curls clinical discretion and the antecedent extinguishment of pecuniary obligations.
• Pearls N Curls Ltd shall not be liable for consequential, collateral, or contingent loss save where mandated by law.

This summary is merely indicative and non-binding; in the event of inconsistency, the full provisions prevail.

1. Scope & Interpretation
1.1 These Terms & Conditions (“the Terms”) regulate the relationship between the Patient and Pearls N Curls Ltd.
1.2 Words importing the singular shall include the plural and vice versa.
1.3 References to “Patient” shall be construed as including guarantors, assigns, and representatives.
1.4 Headings and emphases are illustrative and shall not influence construction.

2. Preliminary Deposit
2.1 A non-returnable Initial Deposit equal to 10% of the treatment quotation must be remitted in advance of access to the scheduling system.

2.2 Said Deposit shall be offset against the global treatment sum but shall be forfeited unconditionally in the event of withdrawal, deferral, or abandonment by the Patient.
2.3 Pearls N Curls asserts that upon receipt of said Deposit, irretrievable administrative commitments are engaged, including the procurement of clinical time, allocation of staff, and preparatory logistics.

3. Instalment Accommodation
3.1 Subsequent to the remittance of the Initial Deposit, the Patient may elect to extinguish the residual pecuniary obligations by way of incremental remittances of a denomination self-determined by the Patient, provided always that such remittances cumulatively liquidate the outstanding balance within a period not exceeding twenty-four (24) calendar months from the date of execution of these Terms.
3.2 All such remittances shall, save where Pearls N Curls exercises discretion to sanction an alternative mechanism, be effected either (a) by direct bank transfer into the designated account of Pearls N Curls, (b) by debit card authorised for lawful use within the United Kingdom, or (c) by such other lawful mechanism of pecuniary transmission as Pearls N Curls may from time to time approve. For the avoidance of
doubt, Patients are hereby apprised that remittances shall not be regarded as received until irrevocably credited in cleared funds.
3.3 The staged remittance accommodation described herein is proffered strictly as an administrative indulgence extended at the discretion of Pearls N Curls Ltd.

Nothing in this clause, whether expressly or impliedly, shall be construed to establish, evidence, or otherwise give rise to a facility of credit, financial accommodation, or regulated lending arrangement within the meaning of the Financial Services and Markets Act 2000 or any subordinate legislation thereunder.

4. Condition Precedent
4.1 The initiation of any treatment, procedure, or ancillary intervention shall be contingent upon the antecedent and irrevocable discharge in full of all pecuniary obligations owed under these Terms.
4.2 Should the appointed treatment date arise in circumstances where monies remain outstanding, Pearls N Curls may, in its sole discretion, defer, adjourn, or reschedule the procedure without liability for consequential loss.
4.3 Non-urgent follow-ups, promotional after-care, and elective consultations shall be suspended during arrears. Urgent medical exigencies, however, shall be attended consonant with the professional duty of care.
4.4 Instalment flexibility shall never be deemed to evidence a loan, extension of credit, or deferred payment scheme; it remains purely an indulgence extended for the Patient’s administrative convenience.

5. Rescheduling & Cancellation
5.1 Alterations by the Patient are governed by temporal thresholds:

• ≥29 days prior → No impost.
• 14–28 days prior → £500 re-scheduling impost or 50% cancellation abatement.
• 0–13 days prior → £1,000 re-scheduling impost or 100% cancellation abatement.

5.2 Cancellations predicated on medical grounds require corroboration by a registered practitioner.
5.3 If contra-indications emerge on the day of procedure, Pearls Curls may levy a £500 re-booking impost or a 50% forfeiture.

Note: These imposts purport to represent liquidated administrative expenditure sustained by Pearls N Curls, including staff commitment and procurement.

6. Clinical Discretion
6.1 Pearls N Curls retains absolute prerogative to decline or defer treatment notwithstanding preliminary acceptance.
6.2 Revisionary interventions may be granted ex gratia where outcomes are adjudged clinically deficient.
6.3 Elective enhancements for personal preference shall be invoiced separately.

7. Patient Covenants
The Patient warrants and undertakes that they shall:

• Provide veracious medical history.
• Comply meticulously with pre- and post-operative guidance.
• Attend punctually all scheduled appointments.
• Be not less than eighteen (18) years of age.
• Recognise that Care Coordinators are administrative, not medical, personnel.

8. Data Protection & Confidentiality
8.1 Personal data pertaining to the Patient shall be collected, processed, stored, and retained in accordance with such statutory instruments and regulatory enactments as may from time to time govern the protection of personal information within the jurisdiction of England and Wales.
8.2 The Patient hereby grants Pearls N Curls Ltd irrevocable licence to collate, anonymise, and aggregate such data for the purposes of internal audit, pedagogical training, research, statistical modelling, or service refinement, it being acknowledged that such processing may extend beyond the duration of the contractual relationship.
8.3 Without prejudice to the foregoing, Pearls N Curls Ltd further reserves the right, where it considers in its sole discretion that a Patient may possess an interest in cognate or ancillary offerings, to employ said data in facilitating the dissemination of information relating to other goods, services, or programmes offered directly by Pearls N Curls Ltd or by strategic partners with whom Pearls N Curls Ltd maintains a
collaborative or associative relationship.
8.4 Patients may at any time elect to withdraw from such ancillary communications by furnishing Pearls N Curls Ltd with written notification, whether by electronic correspondence (email) or hard-copy letter, whereupon such opt-out shall be affected within a reasonable administrative period.

9. Limitation of Liability
9.1 Pearls N Curls disclaims liability for indirect, incidental, collateral, or reputational diminution.
9.2 Nothing excludes liability for negligence occasioning death or personal injury.

10. Force Majeure
Performance excused by events beyond control, including pandemics, civil commotion, strikes, or shortages.

11. Governing Law
These Terms shall be construed in accordance with the laws of England and Wales; disputes fall under the exclusive jurisdiction of the courts of England and Wales.

12. Miscellaneous

12.1 Pearls N Curls may amend these Terms upon reasonable notice.
12.2 Invalidity of a clause shall not affect validity of others.
12.3 Headings are illustrative only.

13. Outstanding Monies & Recovery
13.1 Any sums persisting unpaid after the 24-month settlement horizon shall be deemed overdue and actionable.
13.2 Pearls N Curls reserves the discretionary prerogative to initiate recovery via the small claims track or alternate forum.
13.3 Such sums may be augmented by statutory court interest, filing fees, enforcement charges, and administrative disbursements.
13.4 For the avoidance of doubt, “outstanding monies” shall be construed broadly and may encompass deposits, instalments, cancellation imposts, surcharges, and ancillary clinical fees.
13.5 Non-urgent follow-ups and promotional services shall remain suspended pending satisfaction of arrears. Urgent exigencies will nevertheless be attended.