Terms and Conditions

BRS and the Business Readiness Scorecard are products operated by BIMBI PHILIPS LIMITED, a company registered in England and Wales with company number 08944957. Our registered office is 63-66 Hatton Garden, Fifth Floor, Suite 23, London, England, EC1N 8LE. Our VAT registration number is GB 183 4086 01.

In these terms, "BRS", "we", "us", and "our" mean BIMBI PHILIPS LIMITED. "You" and "your" mean the person or organisation using BRS.

You can reach us at support@readinesslayer.com for general and account support, and at legal@readinesslayer.com for legal notices. Questions about personal data are answered at privacy@readinesslayer.com and in our Privacy Policy.

BRS provides readiness information, readiness scoring, profile sharing, and evidence-review pathways. BRS is designed to help you understand and improve how deal-ready a profile may appear, and to help counterparties have better-informed conversations.

BRS is intended for business and professional use. It is aimed at people acting for a business, including buyers, sellers, brokers, introducers, and partner organisations. Where you use BRS as a consumer, your statutory rights are not affected, and Section 18 explains how those rights apply.

To set clear expectations, the following boundaries always apply:

• BRS is not due diligence and does not replace due diligence.
• BRS is not investment advice, financial advice, legal advice, accounting advice, or tax advice, and it is not a personal recommendation about any investment or transaction.
• BRS is not an approval of any person, business, listing, buyer, seller, broker, deal, or transaction.
• BRS is not a quality endorsement and does not represent that any business is of any particular quality.
• BRS does not provide "verified quality" and does not certify a business as investment-ready.
• BRS does not guarantee a sale, a response, buyer action, seller action, broker action, transaction success, or any other commercial outcome.

A BRS Deal Readiness Score, a readiness band, a trust state, and evidence-review eligibility are separate things and must not be read as one another. They are explained in Section 7. BRS does not replace your own commercial judgement or the role of brokers, lawyers, accountants, advisers, or due-diligence providers. You remain responsible for your own decisions.

You may browse public BRS pages, including the home page, methodology, research and reports, and partner information, without an account. Public pages show public-safe content only. They do not give access to private profiles, evidence, contact details, payment features, reviewer functions, or administrative functions.

You agree to use BRS only for lawful purposes and in line with these terms. You must not misuse the service, attempt to gain unauthorised access, interfere with its operation, scrape or harvest data other than as expressly permitted, submit false information, or use BRS to infringe the rights of others. Section 15 sets out acceptable-use rules in more detail.

A BRS ID is your readiness identity within BRS. You can create or access a BRS account to begin using signed-in features. When you access BRS you may be asked to create an account, sign in, recover access, or select the route that matches your role as a buyer, seller, broker, or partner.

Activating or accessing a BRS ID, on its own, does not create claim authority over any business profile, does not unlock paid insight, does not grant access to another party's profile, does not grant evidence access, and does not change any trust state. Those outcomes depend on the separate rules in these terms.

You are responsible for keeping your sign-in details secure, and for activity that takes place under your BRS ID. Where you arrive through a partner or introducer link, BRS may preserve partner attribution while you create an account or sign in as described in Section 6. Tell us promptly at support@readinesslayer.com if you believe your account has been accessed without your permission.

BRS public lookup lets you search using public-safe identifiers such as a BRS ID, a business or company name, a company or registry number, a listing reference, or a listing URL. Lookup is business, listing, and BRS-ID centred. It is not a search for people, and you cannot search by an individual's name, email address, or phone number.

Public lookup shows public-safe identity and listing information only. Where a readiness profile is not openly visible, BRS shows that the profile has restricted visibility and that owner authorisation is required. Restricted visibility is an access and visibility state only. It is not a trust state, and it does not indicate anything about a business's readiness, quality, or conduct.

Public lookup does not reveal raw evidence, private profile data, protected contact details, protected contact-path data, seller or buyer contact records, reviewer notes, private score detail, payment-card details, commercial terms, or other confidential records. From a search result you may be offered the options to Request Access to a profile or to Claim Profile if you have authority over it. These routes are governed by Sections 11 and 12 and do not give immediate access to private detail.

You may arrive at BRS through a partner or introducer, a listing platform, a campaign link, or a listing context. Partner campaign links may carry non-personal context such as the source, campaign, and segment, so that BRS can show you appropriate entry content and so partners can receive aggregate, partner-safe reporting. Partner links do not carry your personal data, and arriving through a partner does not give that partner access to your raw evidence, protected contact data, or unrestricted profile access.

Campaign context is treated as acquisition information, not as confirmed fact about you. The role and details you confirm in BRS control how the service behaves. Partner-attributed account creation or sign-in is operated within BRS and does not make BRS a white-labelled part of the partner platform. Our Privacy Policy explains how campaign and attribution information is handled.

When you complete a BRS assessment, BRS may produce a BRS Deal Readiness Score, a readiness band, a breakdown of gaps, and suggested next steps based on the information provided through BRS.

These outputs are distinct and must not be treated as the same thing:

• The BRS Deal Readiness Score reflects readiness information provided through BRS. It does not confirm evidence and does not approve you.
• The readiness band is a broad category that helps interpret the score. It is not a trust state.
• The trust state shows where a profile sits in the BRS readiness and evidence-review journey. The only trust states are Not Assessed, Self-Assessed, Verification In Progress, and Evidence-Confirmed.
• Evidence-review eligibility means a profile may be able to start an evidence-review product. A score of 80 per cent or above indicates evidence-review eligibility only. It does not mean a profile is Evidence-Confirmed.

Evidence-Confirmed means that supporting evidence has been reviewed against the BRS readiness standard through eligible human review. It does not mean that due diligence has been completed, that a buyer or seller has been approved, that a business has been quality endorsed, that investment advice has been given, or that any transaction outcome is assured. BRS may update, recalculate, or refresh readiness outputs and methodology over time.

Basic discovery, basic identity features, and starting a basic profile claim can be used free of charge. Some features require payment.

Step 1 entitlement unlocks full readiness insight and access, including your own full profile insight, counterparty profile insight where permitted, detailed request tracking, and readiness intelligence. Step 2 entitlement unlocks evidence upload, evidence review, and the route to a BRS Verified outcome and Evidence-Confirmed status where eligible.

Payment grants entitlement only. It does not grant contact access, raw evidence access, a trust state, a guaranteed response, or any commercial outcome. Buying an entitlement does not by itself change your trust state, and Step 2 outcomes depend on eligible human review of evidence, not on payment.

Payments are processed by a third-party payment provider. We do not store full payment-card details; these are handled by the payment provider using tokenised billing. Prices are shown at the point of purchase and, where applicable, include or state VAT. You authorise us, through the payment provider, to charge the amounts shown for the entitlements you select.

Paid Step 1 and Step 2 entitlements give immediate access to a digital service. We do not operate a discretionary refund policy for these entitlements. Where you are a consumer, your statutory cancellation rights are explained in Section 18, including how those rights are affected when you ask the service to begin immediately.

Formal claim disputes and deposits. Reporting a basic correction or raising a basic issue is free. A formal claim dispute may require a deposit only where it triggers administrative review or identity-verification work. The current deposit levels are GBP 49 for a standard dispute and GBP 99 for an enhanced dispute that requires identity verification. These levels may be adjusted by us. We will refund or credit the deposit where the claimant succeeds, or where a BRS or source error caused the issue. We will refund the deposit where the dispute is withdrawn before administrative or identity-verification work begins. We may retain the deposit where the dispute is rejected, fraudulent, or abusive. Deposit handling is explained again at the point you raise a formal dispute.

If you hold an eligible Step 2 entitlement, you may upload supporting evidence for review against the BRS readiness standard. Evidence review may be a Rapid Evidence Screen, a Standard Evidence Review, or a Detailed Evidence Report. A Rapid Evidence Screen is a lower-assurance screen. It is not Evidence-Confirmed and does not produce a BRS Verified Badge.

Raw evidence is restricted by default. It is accessible only to authorised BRS reviewers and operations roles, within the review workflow, and is not shared with the public, partners, brokers, counterparties, or other unauthorised roles. Reviewer comments are provided to help you and are not public by default. Evidence-review products may have a limited number of attempts, may require resubmission with comments, and may be subject to validity, refresh, or expiry rules that are explained for the relevant product. Submitting evidence places a profile in the Verification In Progress trust state. It does not guarantee that the evidence will pass review or that the profile will become Evidence-Confirmed.

You confirm that you are entitled to submit the evidence you upload, that it is accurate, and that uploading it does not breach any duty of confidentiality or any third party's rights.

BRS builds business and listing records from several sources. Where available, BRS prefers partner feeds or partner interfaces. BRS may use an approved listing parser for known listing domains and, as a fallback, may accept a public listing URL with confidence scoring and manual confirmation where needed. BRS extracts only public-safe listing information, such as a listing title, reference, status, platform, location, category, and publicly listed financial bands.

BRS does not scrape or import seller contact data, private or paywalled data, enquiry forms, raw evidence, protected contact-path data, reviewer notes, private profile data, or unrestricted profile access. Information taken from a listing is labelled as public listing information, not as registry data and not as BRS-reviewed evidence. Partner and partner-administrator reporting is aggregate, anonymised, cohort-safe, or otherwise partner-safe, and does not expose raw evidence, protected contact data, reviewer notes, or broker-bypass data.

If you own, represent, or manage a business or listing, you may claim authority to manage its BRS Readiness Profile. Starting a basic claim is free. A basic claim does not unlock paid insight, full score or gaps, raw evidence, or Evidence-Confirmed status.

BRS uses an automated-first approach to profile claims. A high-confidence claim may be approved automatically, for example where it is supported by a broker or partner token, a company-domain email, domain verification, or a strong registry or listing match, and where there is no conflicting claim. We carry out administrative review where a claim is weak, conflicting, or high-risk, where a profile is already claimed or Evidence-Confirmed, where there is a broker or seller conflict, where there is suspicious activity, or where revenue or attribution may be affected. Identity verification through an approved identity-verification provider is used only for formal disputes, high-risk claims, or unresolved authority conflicts.

Claim approvals are recorded and may be suspended or reversed by us where authority cannot be confirmed or where our terms are breached. Where claims conflict, the dispute process in Section 8 and the deposit rules there may apply.

Request Access lets you ask the authorised owner or manager of a profile to share it with you. When you make a request, you will be asked to confirm the contact you intend to reach, using the following wording:

Confirm the contact you are already speaking with. For privacy, BRS profile requests are sent only to a contact you confirm or through a secure request link you share yourself.

Requests are sent only to a contact you confirm, or through a secure request link that you share yourself. BRS does not tell you whether a recipient already has a BRS profile. A request may be created, sent, accepted, declined, expired, cancelled, or revoked. Detailed request tracking and full insight require a Step 1 entitlement or an approved share.

Share Profile lets an authorised owner or manager share a readiness profile by email or secure link, to one or more recipients, with a chosen scope, an expiry, and the ability to revoke access. Share scopes may include a summary, a readiness summary, a full profile, or Evidence-Confirmed proof, subject to entitlement and share rights. Raw evidence is not shared by default.

Making a request, sharing a profile, or paying for an entitlement does not guarantee access, a response, contact bypass, raw evidence access, protected contact-path access, or any change to a trust state. Where a request relates to a broker-controlled listing, the broker may require a non-disclosure agreement before the request proceeds. Signing such a non-disclosure agreement does not grant raw evidence access or protected contact access, and does not override consent, payment, entitlement, or broker relationship control.

When signed in, you can manage permitted account and profile details, security and recovery settings, notification preferences, and billing settings through the controls we provide. Managing these settings does not change your claim authority, partner authority, entitlement, trust state, evidence access, or any administrative permission.

You can choose your preferences for many notifications, including those about requests, shares, claims, disputes, evidence and rework, and payments. Some notices are mandatory for security, compliance, payment, dispute, or evidence reasons and cannot be switched off while they apply, because we need to be able to reach you about them.

BRS may use AI-assisted features to help produce summaries or supporting content. AI-assisted outputs are a bounded support aid only. They are reviewed and governed, and may be limited or withheld where appropriate. AI must not, and does not, decide your trust state, an evidence outcome, claim authority, an entitlement, a payment or refund outcome, or provide legal or commercial advice. Final readiness, evidence, and trust outcomes follow the rules in these terms and, where relevant, eligible human review.

You must not use BRS to: break the law or infringe anyone's rights; submit false, misleading, or fraudulent information; impersonate another person or business or claim authority you do not hold; attempt to access profiles, evidence, contact data, or functions you are not authorised to access; scrape, harvest, or extract data except as expressly permitted; introduce malicious code or attempt to disrupt or probe the service; or use BRS to send unlawful communications. We may suspend or end access where these rules are breached, as set out in Section 19.

Where BRS offers portability or cross-partner sharing, we will only transfer the context you explicitly consent to, for the scope and purpose you choose. A receiving partner may use that context only within the boundaries of your consent. You can set an expiry and revoke a permission, and we keep an audit record of consent changes. How we handle this personal data is explained in our Privacy Policy.

Where your readiness profile shows gaps, BRS may route you to readiness improvement guidance or to expert or support providers aligned to your gaps. BRS does not provide the underlying professional advice, does not endorse any provider, and does not guarantee a response, an improvement, or that you will become eligible for any product. A provider does not receive your raw evidence, private profile data, protected contact data, or protected contact-path data unless you separately authorise it. Any engagement you enter into with a provider is between you and that provider.

BRS is intended for business use. Where you use BRS wholly or mainly outside your trade, business, craft, or profession, you may be a consumer, and nothing in these terms removes or limits your statutory rights, including under the Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

If you are a consumer, you normally have a right to cancel a distance contract for a paid digital service within 14 days. Because paid Step 1 and Step 2 entitlements give immediate access to a digital service, when you purchase you ask us to begin supplying the service straight away and acknowledge that, once supply has begun and is fully performed, you lose the right to cancel for a refund. Where the right to cancel still applies and you exercise it, we will refund you within 14 days, subject to a deduction for service already supplied where you asked us to begin during the cancellation period. These statutory rights sit alongside, and take precedence over, the refund position in Section 8.

We may suspend or end your access if you breach these terms, if we are required to by law, or if we reasonably need to protect BRS, its users, or third parties. You may stop using BRS and close your account at any time through the account controls or by contacting support@readinesslayer.com. Closing an account does not remove records we are required or permitted to keep, as explained in our Privacy Policy.

We may change these terms from time to time, for example to reflect changes in the service or the law. We will update the "Last updated" date above and, where a change is significant, we will take reasonable steps to bring it to your attention. Continuing to use BRS after a change means you accept the updated terms.

BRS, the Business Readiness Scorecard, the readinesslayer.com site and application, the BRS readiness methodology, and the content we provide are owned by or licensed to BIMBI PHILIPS LIMITED and are protected by intellectual property laws. You may use them only as permitted by these terms. Information you submit remains yours, and you grant us the permissions we reasonably need to operate the service, produce your readiness outputs, and run review and governance processes. Public registry and listing information remains subject to the rights of its original source.

Nothing in these terms limits or excludes our liability where it would be unlawful to do so, including liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be limited or excluded under the law that applies to you.

Subject to that, BRS is provided on the basis described in these terms, and in particular on the basis that it is not due diligence, investment advice, approval, a quality endorsement, or a guarantee of any commercial outcome. To the extent permitted by law, we are not liable for decisions you or any other party take based on readiness information, scores, bands, trust states, or evidence outcomes, or for any loss arising from the act or omission of any counterparty, broker, partner, or provider. Where you use BRS in the course of business, and to the extent permitted by law, we are not liable for loss of profit, loss of business, loss of goodwill, or any indirect or consequential loss, and our total liability connected with the service is limited to the amount you paid us for the relevant entitlement in the 12 months before the event giving rise to the claim. If you are a consumer, this section applies only so far as it is consistent with your statutory rights.

These terms and any dispute or claim connected with them are governed by the law of England and Wales. The courts of England and Wales have jurisdiction, except that if you are a consumer resident elsewhere you may also have the protection of mandatory rules and the courts of the country where you live.

BIMBI PHILIPS LIMITED, 63-66 Hatton Garden, Fifth Floor, Suite 23, London, England, EC1N 8LE. Company number 08944957. VAT number GB 183 4086 01.

General and account support: support@readinesslayer.com. Legal notices: legal@readinesslayer.com. Privacy and data protection: privacy@readinesslayer.com.