Our Privacy Policy and Terms of Use

 You can contact us anytime via info@towerfinance.co.uk to unsubscribe or ask about our data policies, which are all below.

We respect your privacy so it’s important to us that you understand how we collect, use, and share data about you.  By providing us with your email or any personal information (with or without purchase of our services), you agree to all the terms of the Privacy Policy and Terms of Use on this page. You shouldn’t use any or our sites or purchase any of our products if you disagree/object with this Privacy Policy or any other agreement that governs your use of sites or programs. Our Privacy and Terms page ensures compliance with GDPR (to protect the privacy and personal information of residents of the EU), which requires us to have a comprehensive yet simple Privacy Policy and make it accessible to all our users, whether they reside in the EU or elsewhere. In any event, and regardless of where our users are physically located, we take privacy matters very seriously.

If you have any questions about these terms of use you may contact us at:

Tower Corporate Finance International Ltd.

Address: 8 Old Jewry, London EC2R 8DN UNITED KINGDOM

Email: info@towerfinance.co.uk

The PRIVACY POLICY and TERMS OF USE below are subject to change at any time and at the sole discretion of the Site owner and operator. Please visit the site regularly for updates.

PRIVACY AND DATA POLICY

These terms of use apply to your use of all of the Sites and services owned, hosted, or operated by Tower Corporate Finance International Ltd (collectively “we,” “us,” or “our”), including towerfinance.co.uk, markcarmichael.com, TheIntelligentExit.com, ExitAcademy.com, TheExitCoach.com, and any other site that we have owned or operated, do own and operate or may own or operate in the future including social media sites (collectively, the “Sites”). Unless we inform you otherwise, all references to the Sites in these terms of use include all such Sites. These terms of use do not apply to your use of unaffiliated Sites to which any of the Sites may link to or direct you to.

We, Tower, collect your information and can be contacted anytime at info@towerfinance.co.uk. You can lodge any complaints with us via that same email, or request to be removed from our email lists, phone lists, or advertising targeting, too.

We are dedicated to safeguarding your privacy and security and have described in detail the steps we adopt to do so. We manage this site from offices in North America, the United Kingdom, The Netherlands and Switzerland. Persons who choose to access this site from other locations do so on their own initiative, and are responsible for compliance with local laws, if and to the extent local laws are applicable.

When you provide data/information to us or visit any of our sites, we utilise it in a continuing nature to confirm that you receive the information or purchases you’ve made with us, to deliver applicable future content via our email communications and/or newsletters, to track how much you use our sites or services, and to extend future offers to you through our company or any other company that is involved in delivering your purchases, bonuses or content. By giving us your contact information at any time, you are granting us the right to contact you in the future in any manner necessary at our discretion for ongoing personal and professional development. You can unsubscribe from our email newsletters at any time by clicking on any available unsubscribe link found at the bottom of our emails or by simply hitting “reply” and typing in the word “UNSUBSCRIBE” in the subject heading of your return email.

If you want us to discontinue all future communications with you or don’t want us to store your information any longer, just write us at info@towerfinance.co.uk anytime with your request and we will begin removing your data from our services or content as appropriate and as soon as we can. Please note that this is not an instantaneous process and that it can take several working days to working weeks to purge all of your data from our databases and systems.

Outside Sites (Their Privacy Policies May Be Different)

Our Sites may contain links to other websites, like our sponsor’s websites or links to third-party bookseller sites such as Amazon, that may offer additional products or services that our customers may find useful. These sites may ask for your information when you arrive. In these cases, the collection and use of your personal information will be governed by the privacy policy applicable to that site. We do not control the privacy policies, contents or links that appear on these sites. We encourage you to review the privacy policies of any third-party sites or services before providing any of them with your personal information.

How and why we collect information

We collect your email address when you submit it, and some limited website information and behaviour, in order to confirm and support your partaking in the activities you choose or in order to contact you or advertise to you later. If you register for a personal exit coaching, for example, the information you give us – your phone number, email, and address – is used to process your request to provide one-on-one coaching and advisory services, to track your preferences, and to keep you informed about the seminar and related personal development content, offers, and events until you unsubscribe or ask for your data to be removed. If you visit our websites, we may use Facebook, Google, LinkedIn, or other tracking tools to understand your behaviour on our websites and to deliver advertising to you in the future.

As a visitor to our Sites, you may engage in several activities without providing any personal information. In connection with other activities, such as registering for the ExitAcademy or Exit Coaching, we may ask you to provide certain information about yourself and/or your company by filling out and submitting an online form. It is completely optional for you to engage in these activities and if appropriate, as the case may be as it relates to providing confidential information about your company, we may collectively agree to enter into a non-disclosure/confidentiality agreement, which we will provide to you at no cost, for your review, consideration and execution. If you elect to engage in these activities, however, we may ask that you provide us personal information, such as your first and last name, mailing address (including ZIP/post code), e-mail address, telephone, credit card, and other personal information. We may further ask for information about your company, including but not limited to address, website address, financial performance summary, marketing documents, etc. If you do not provide the mandatory data with respect to a particular activity, you will not be able to engage in that activity. In all cases, we will collect personal identification information like your email or phone number only if you voluntarily submit such information to us. We will also tell you how we use your information or if we share it with another party.

Except as otherwise provided in this policy, we will never sell any personal identification information about you as an individual user to any third party without having received your permission. If you supply us with your contact information you may receive periodic e-mails, mailings or calls from us with information on new products and services, important issues, or upcoming events.

If you wish to be removed from any postal, email, phone, or other lists, please let us know by emailing us at info@towerfinance.co.uk. You can also write us at the contact information above. Please provide us with your exact name, email address, mailing address, and phone. We will be sure your name is removed from the appropriate lists as quickly as possible.

When you use our Sites, we or our authorized technology services provider may also collect certain technical and routing information from you to facilitate your use of the Site and its services or to contact you or advertise in the future. We employ this information to administer the Site and to understand and measure traffic patterns on the Site so that we know which areas of our sites are favourites of our users, which areas need improvement, and what technologies are being used so that we may continually improve our sites for mobile and future technical platforms. This information is gathered mostly in aggregate form, without identifying you or any user individually, however in some cases we use tools like cookies, web beacons, analytics services, and advertising providers to gather data about you or your computer location. We may use this statistical data for statistical analysis, marketing, advertising, or similar promotional purposes. This data is often tracked by us or our technology services provider by using “cookies” or “pixels” during your visit. A cookie is small amount of data that is transferred to your browser by a web server and can only be read by the server that gave it to you. It functions as your identification card and enables us to record your passwords, purchases, and preferences and to deliver targeted messages or advertising to you in the future. It cannot be executed as code or deliver viruses. Most browsers are initially set to accept cookies. You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether or not to accept it. For some web pages that require an authorization, cookies are not optional. Users choosing not to accept cookies will probably not be able to access those pages.

We may also use Facebook “pixels” on our pages so that we can understand your digital behaviour and potentially later target you with related advertising. We also use Google Analytics to understand how long you might spend on our Sites or how you interact with our Sites.

If you ever choose to opt-out of targeted advertising with us, then please contact us at info@towerfinance.co.uk so that we can remove your email from any advertising we may use.

As always, you can unsubscribe from any of our emails at any time via the unsubscribe link at the bottom of the email you received from us.

We do not store any information about you on our servers other than that which you submit into one of our forms, and in any case we hold your sensitive information like your credit card information we use software that keeps it encrypted.  Any other information stored happens via cookies or pixels as described above, and as facilitated via third-party tools (like Facebook, Google or Kajabi). Below is an example of how we may use any information to offer improved and more relevant communications with you:

  • Provide and administer the Services, including to display customized content and facilitate communication with other users; 
  • Sending you information and in-app messages about your progress in courses such as The Exit Academy, new services, new features, promotions, newsletters, and other available courses (which you can opt out of at any time); 
  • Manage your account preferences; 
  • Process your requests and orders for courses, products, specific services, information, or features; 
  • Communicate with you about your account by: 
  • Responding to your questions and concerns; 
  • Sending you administrative messages and information, including messages from instructors and teaching assistants, notifications about changes to our Service, and updates to our agreements; 
  • Sending push notifications to your wireless device to provide updates and other relevant messages (which you can manage from the “options” or “settings” page of a mobile app); 
  • Facilitate the Sites’ technical functioning, including troubleshooting and resolving issues, securing the Services, and preventing fraud and abuse; 
  • Solicit feedback from users;
  • Improve our Sites and develop new products, services, and features; 
  • Market and administer surveys and promotions; 
  • Learn more about you by linking your data with additional data through third-party data providers or analyzing the data with the help of analytics service providers; 
  • Identify unique users across devices; 
  • Tailor advertisements across devices; 
  • Analyze trends and traffic, track purchases, and track usage data; 
  • Advertise the Services on third-party websites and applications; 
  • As required or permitted by law; or 
  • As we, in our sole discretion, otherwise determine to be necessary to ensure the safety or integrity of our users, employees, third parties, the public, or our Services.

When you submit information to us, then, we use it in an ongoing nature to ensure you receive the information or purchases you’ve made with us, to deliver relevant future content via our newsletters, and to make future offers through our company or any other company that is involved in delivering your purchases.

As an example, if you purchase certain courses from us, you may receive a bonus coaching session which is delivered from Mark by a separate system or company that runs that particular program (such as one of Mark’s bonus coaching one-on-one calls, videos/documents). To deliver that coaching product or service, we may share your information with any third-party technology partners so that may contact you to schedule that coaching call(s) and/or videos or bonus materials you may be eligible to receive as part of your purchase. At any time, you can contact us not to have your information shared with such service providers, but you may lose access to certain purchase bonuses or items if you do not allow the delivering third-party to contact you.

As most of our programs are for ongoing educational purposes in the field of personal education and preparation as it relates to the sale of your company, you should assume we will continue to contact you in perpetuity via email or via social media in order to deliver our services, serve you related content, make recommendations, learn about your preferences, grant you products, deliver programs to you with or from other platforms or companies, advertise to you or look alike audiences, send you surveys, and other fulfilment or marketing purposes.

By using our site(s) and submitting any information with us, you agree to these terms without exception and agree to waive liability and not hold us liable for any use of your information, in perpetuity, under any circumstances, including waiving your right to participate or initiate any class action complaints.

Again, if you want us to no longer contact you, just write us at info@towerfinance.co.uk anytime with your request and we will begin removing you from our services or content as appropriate and as soon as we can.

Exceptions to Privacy Policy

While we are committed to keeping your information secure and private, we have the following exceptions to our privacy policy: We will release specific information about you or your account to comply with any valid legal inquiry or process such as a search warrant, subpoena, statute or court order. We will also release specific information in special cases, such as if there is an attempted breach of the security of the Sites, or a physical or property threat to you or others. We may also transfer user information, including personally identifiable information, in connection with a corporate merger, consolidation, the sale of related assets or corporate division or other fundamental corporate change. Further, the information you enter when making a purchase will be shared with third-party payment processors, financial gateways, and your credit card company to authorize credit card payments. Such information may also be shared with necessary third parties solely for the purpose or carrying out the transactions. Please note that if you give out personal information online through a discussion board or posting site, that information can be collected and used by third parties. Although we strive to protect our users’ privacy, we cannot guarantee the security of information you post in these forums. You disclose such information at your own risk.

Miscellaneous

These terms will be governed by and construed in accordance with the laws of The Netherlands, without regard to any principles of conflicts of law. You agree that any action at law or in equity that arises out of or relates to these terms will be subject to mediation in Amsterdam, The Netherlands. If any of these terms of use are found unlawful, void, or for any reason unenforceable, then that provision will be considered severable from the remaining terms of use and will not affect the validity and enforceability of the remaining provisions. These terms may be modified only by our posting of changes to these terms of use on our Sites.

TERMS OF USE

Please read the following terms of use relating to your use of this site, and all the sites listed below under our brand, carefully. By using these sites, you agree to these terms of use. We reserve the right to modify these terms at any time, so please check this page periodically for changes. By using these sites after we post any changes to these terms, you agree to accept those changes, whether or not you have reviewed them or been notified about them. If at any time you choose not to accept these terms of use, please do not use this site or any of our sites.

Restrictions

The contents of our Sites are protected by copyright and trademark laws, and are the property of their owners. “The Intelligent Exit”, “The Exit Academy”, “Know The Rules Before You Get In The Game”, the “Selling-Your-Business Blueprint”, “Selling-Your-Business Roadmap”, “ExitAccelerator” as well as the brands of Exit Academy are trademarked by Tower and/or Mark Carmichael, and all information on the Sites is copyrighted by Tower. Unless otherwise noted, you may access and use the information and materials within the Sites for your personal use. You may not change, modify, delete, display, transmit, adapt, exploit, or copy for distribution or sale any information, material, trademark, or copyright on the Sites. You must obtain written permission from us or any other entity who owns intellectual property on the Sites before you may publish, distribute, display, or commercially exploit any material from the Sites. By using the Sites, you agree to abide by all copyright notices or other posted restrictions.

Links

These terms of use apply only to our Sites, and not to the Sites of any other companies or organisations, including those we link to. We do not manage, create, endorse, or take any responsibility for the contents, products, advertising or other services/materials made available through any other site, including those we link to. Under no circumstances will we be held responsible or liable, directly or indirectly, for any loss or damage that is caused or alleged to have been caused to you in connection with your use of any content, goods or services available on any other site. Other Sites may link to our Sites by permission only. To seek our permission, you may contact us at the information above. We reserve the right to withdraw any permission conferred to you or any organisation in which we approve linking to our Sites, and to require termination of any such link to any of the Sites, at our discretion at any time.

Events, Information, and Speaker Changes

Any events, information, and speakers which may be listed on our Sites from time to time are subject to change without notification.

Submissions

We invite your comments about any of the Sites at any time. However, we will not review or consider any unsolicited creative submissions or suggestions for topics at our seminars or within our newsletters or products. We trust you will appreciate that this policy is intended to avoid the possibility of future misunderstandings in the event that ideas developed by our staff or third-party designers might seem to be similar to the ideas submitted to us. Accordingly, we must ask that you not send us any original creative ideas, suggestions or materials. If, despite our request, you send us any idea, suggestion or material (“Submission”), it shall become solely our property. We will not be subject to any obligation of confidence for any Submission, and we will not be liable for any use or disclosure of any Submission. In the case that you submit something to us and it is unsolicited, we will exclusively own all rights to the Submission worldwide, and we will be entitled to the unrestricted use of the Submission for any purpose, without compensation or notification to the provider of the Submission. Given this fact, we ask that you refrain from submitting creative projects to us, particularly those that are confidential or personal to you.

Forums

A “forum” means any message board, chat room, blog, user review forum or other interactive service appearing on any of the Sites and includes both public boards and private folders. You must register in accordance with instructions that you will find on the Sites in order to contribute to any forum. You may not post on any forum or send to any other forum user or our staff, any material that is abusive, vulgar, threatening, obscene, harassing, libellous, defamatory, invades a person’s privacy, violates any intellectual or other property rights, or that would otherwise violate any law. You may not use any forum in a commercial manner. You may not post material that solicits funds, or that advertises or solicits investment opportunities, goods or services. You may not post material known to be false. You may not post messages that contain stock touts. You may not post or transmit any information, software or other material that contains a virus or other harmful component. We are not responsible for material appearing in any forum on the Sites, except for material signed by one of our identified representatives. We are not responsible for screening material posted by users for libel, obscenity, invasion of privacy, copyright or trademark infringement, accuracy, or for any other reason. We retain, however, the right to modify or remove messages or other material that we, in our sole discretion, consider infringing, offensive, abusive, defamatory, obscene, stale, or otherwise unacceptable. We also reserve the right to edit materials for any other reason. Whether or not we modify or remove such material, users remain solely responsible for the content of their messages or postings. By posting on the Sites, you grant (or warrant that the owner of such rights has expressly granted) us and/or relevant affiliated companies the worldwide, perpetual, nonexclusive right to use your questions, comments, and postings, in their original or edited form, in television programs, books, articles, commentaries, or in any other medium now known or later developed. You also warrant that you own or otherwise control all of the rights to the content you have posted and that the public posting and use of such content by us will not infringe the rights of any third party. Additionally, you warrant that any “moral rights” in posted materials have been waived. You are not entitled to any compensation for any materials you may post on the Sites.

Registration

We may, at our discretion, suspend or terminate the registration of any forum user or general user who violates any of these terms of use of use, any of the forum member guidelines or for any other behaviour that we in our sole discretion believe is inappropriate.

Disclaimers

The information, services, products, claims, speaking topics, and materials on our Sites are provided “as is” and without warranties of any kind, either expressed or implied. We disclaim all warranties, expressed or implied, including but not limited to implied effectiveness of the ideas or success strategies listed on this site as well as those that are provided in our products or to our participants at any events. Neither we nor any of our respective licensors or suppliers warrant that any functions contained in the Sites will be uninterrupted or error-free, that defects will be corrected, or that the Sites or the server that makes them available are free of viruses or other harmful components. Neither we nor any of our respective licensors or suppliers warrant or make any representations regarding the use or the results of the use of the services, products, information or materials in this site in terms of their correctness, accuracy, reliability, or otherwise. You (and not we or any of our respective licensors or suppliers) assume the entire cost of all necessary servicing, repair or correction to your system. Applicable law may not allow the exclusion of implied warranties, so the above exclusion may not apply to you. We do not endorse, warrant or guarantee any speakers, products or services offered on the Sites or those we link to. We are not a party to, and do not monitor, any transaction between users and third-party providers of products or services.

Limitation of Liability

Under no circumstances, including but not limited to negligence, will we or any of our partners, licensors or suppliers be liable for any special or consequential damages that result from the use of, or the inability to use, the materials or information on the Sites, or any products or services provided by Tower or any other Site, pursuant to the Sites, even if advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages (including but not limited to lost data), so the above limitation or exclusion may not apply to you. In no event shall the total liability to you by us or any of our licensors or suppliers for all damages, losses, and causes of action (whether in contract, tort, or otherwise) exceed the amount paid by you to us, if any, for accessing the Sites.

Under no circumstances will we be held responsible or liable, directly or indirectly, for any loss or damage that is caused or alleged to have been caused to you in connection with your use of any advice, goods or services you receive from a guest speaker on our Sites or at one of our events.

We are also not responsible or liable for any loss or damage that is caused or alleged to have been caused to our guest speakers in connection with the display of their photo, name, or biography posted on our Sites or in our marketing materials.

No Professional Advice

The information contained in or made available through the Sites (including but not limited to information contained on message boards, in text files, or in chats) cannot replace or substitute for the services of trained professionals in any field, including, but not limited to, financial, medical, psychological, therapeutic, or legal matters. In particular, you should regularly consult a doctor in all matters relating to physical or mental health, particularly concerning any symptoms that may require diagnosis or medical attention. We and our licensors and suppliers make no representations or warranties concerning any treatment, action, or application of medication or preparation by any person following the information offered or provided within or through the Sites. Neither we nor our partners, or any of their affiliates, will be liable for any direct, indirect, consequential, special, exemplary or other damages that may result, including but not limited to economic loss, injury, illness or death. You alone are responsible and accountable for your decisions, actions and results in life, and by your use of the Sites, you agree not to attempt to hold us liable for any such decisions, actions or results, at any time, under any circumstance.

SMS/Mobile Texting

When you become a customer through our sites, you may provide your phone number to us and we may use your phone number to confirm orders, deliver promised ongoing training or communication, and to send text updates, promotions, videos, audios, or messages related to Mark Carmichael or any of his brands or programs. You can opt-out of receiving any future text messages by simply replying to any of our text messages at any time with the word STOP. By signing up for our products or programs you hereby grant us permission to text you until you reply STOP. We do not ever sell or rent your phone number and we only communicate with you regarding relevant Mark Carmichael programs.

Non-Academic Institutions

Please note our company and/or trademarks, Tower, The Intelligent Exit, The ExitAcademy, and The ExitAccelerator programs are not accredited academic institutions and do not issue diplomas or academic certifications or degrees. We do not accept student loans or provide student aid under any programs. We are a for-profit training and M&A advisory business for personal and professional development in areas related to optimising the exit or sale of privately owned businesses.

Selling Your Business Disclaimer

 Selling a business is hard work and there is always a chance that your business will not succeed in selling, or may sell at a price that is less than you expected. We do not offer advice that would mislead customers into thinking otherwise. We promote the virtues of doing your homework in advance, the requirement of hard work, adding value, building a genuine and effective strategy for maximising the outcome in the sale of your business and then executing on that strategy. We believe in adding value where we can, such as through the role as your M&A advisor, and serving others with excellence and consistency. Our programs are intended to help you achieve your maximum result on the sale of your business so that the next chapter in your personal life experiences the rewards of all of your hard work leading up to the sale of your business. Our programs require a great deal of work and discipline from you and just like any worthwhile endeavour or professional continuing education program, what you get out of it is proportional to what you invest into the process. Please don’t enroll in our programs, or use our sites, if it is your view that we are providing you with a “quick and easy route to exit” or similar; we seek to work only with serious people dedicated to meaningful professional development as it relates to selling your business – and who value the notion that by maximising their exit results, they can add value to their family, shareholders, company, customers and to the greater community at large. As stipulated by law, we cannot and do not make any guarantees about your ability to experience the intended exit results or experience any level of success with our ideas, information, tools or strategies. We don’t know you and/or your business. Additionally, your results related to the sale of your business are driven by a multitude of factors that we cannot legislate for, including whether you are prepared to invest the time, effort and resource into maximising your exit. We trust that you will see – and agree with – our point here. Our view is to be helpful to you and to add value as it relates to the sale of your business, by providing meaningful and value-added content, direction, strategies and real-world examples of entrepreneurs that have travelled this path before you and which we have been fortunate enough to observe first hand. It is important to note that all of our products and services by our company are for educational and informational purposes only. Nothing on this page, any of our websites, or any of our content or curriculum is a promise or guarantee of any individual personal exit results or future earnings, and unless otherwise explicitly stated, we do not offer any legal or tax advice through Towerfinance.co.uk or any related Sites. Any financial figures or metrics referenced here, or on any of our sites, are illustrative of concepts or previously transactions only and should not be considered pertinent to your specific situation and/or in ascribing a value to your business, or what you will receive as a purchase price for your business, or promises for actual or future transaction values related to the sale of your business. Making decisions based on any information presented in our products, videos, events, services, or web site, should be done with the explicit knowledge that you could experience risk, suboptimal results, losses or failed attempts to sell your business, just as in any endeavour to sell a business. Use caution and always consult your professional advisor before acting on this or any information related to a potential sale of your business. You alone are responsible and accountable for your decisions, actions and results in life, and by your registration here you agree not to attempt to hold us liable for your decisions, actions or results, at any time, under any circumstance.

Parental Permission

The Sites are not directed to individuals under the age of 18 and we will not knowingly collect personally identifiable information from anyone under 18. Obviously, we recommend that parents participate in their children’s exploration of the internet and any online services and use their browser’s parental controls to limit the areas of the internet to which their children have access. We may, at our discretion, require users under 18 to obtain the consent of a parent or guardian to view certain content, and we may limit access to certain content to users above a specified age. You agree to abide by any such restrictions, and not to help anyone avoid these restrictions.

Explicit Language & Mature Content

On our Sites, we will occasionally talk about mature topics and language relating to personal and professional growth regarding the sale of your business. You understand and agree that we may use explicit language from time to time. Users who are uncomfortable with such topics or language should not use our Sites.

Confidentiality and Non-Compete

Users of our Sites hereby understand that the tools, tactics, processes, strategies, materials and information presented on our Sites are copyrighted and proprietary, so users agree not to record, duplicate, distribute, teach or train from our information in any manner whatsoever without our express written permission. Any unauthorised use or distribution of our Sites proprietary concepts, materials, and intellectual property by you or your representatives is prohibited and that we will pursue legal action and full damages if these terms are violated in order to protect our rights.