Consulting terms.

The short version

• You buy from Jamie Mussett Harford, a self-employed sole trader in Spain, trading as Nine Bar.
• You pay the price shown, by card through Stripe or by UK bank transfer. One-off engagements are paid once. Retained Advisory, the Circle and Body Coaching are billed monthly until you cancel.
• Jamie emails you within two working days of payment to set your first call. Weeks run from that first call.
• Changed your mind before your first call? You get a full refund. Retained Advisory: cancel by email with one month's notice.
• The Mind and Body support is lived experience and practical help. It is not therapy, counselling, medical or dietetic care. Body plans need a health check first, and your doctor's OK if you have a condition.
• Jamie advises and introduces. He does not guarantee a raise, a result or an investment, and he is not a regulated investment adviser.
• Questions: email harfordjamie7@gmail.com.

Contents

1. Who you are buying from
2. What these terms cover
3. Buying and payment
4. How an engagement runs
5. Calls, WhatsApp and email
6. Your part
7. Introductions, investors and results
8. Cancelling and refunds
9. Retained Advisory and the Circle
10. If Jamie is unwell or cannot deliver
11. Confidentiality
12. Who owns the work
13. Our responsibility to you
14. Complaints, law and courts

1. Who you are buying from

You buy from Jamie Mussett Harford, a self-employed sole trader (autónomo) in Spain, trading as Nine Bar. There is no company. Tax number (NIE/NIF): Y7301484X. Palma de Mallorca, Illes Balears, Spain. Email: harfordjamie7@gmail.com.

"We", "us" and "Jamie" mean Jamie Mussett Harford. "You" means the person or business buying. You must be 18 or over. These services are designed for founders and businesses. If you buy mainly for yourself rather than for a business, you are a consumer, and consumer law protects you: where these terms say something applies only to consumers or only to businesses, they say so.

2. What these terms cover

• The Fundraising Sprint, Group: £250, paid once. Three weeks.
• The Fundraising Sprint, One-to-one: £850, paid once. Four weeks. Not a subscription.
• The Pricing Review: £5,000, paid once. Four weeks.
• The Opening Plan: £6,500, paid once. Six weeks, including one day on site.
• The Turnaround: £7,500, paid once. Eight weeks.
• The Product Reposition: £10,000, paid once. Ten weeks, including one day on site.
• Retained Advisory: £2,500 a month, billed monthly until you cancel.
• Off-market sourcing: £20,000, paid once, upfront, with no success fee. The mandate letter sets the brief and search period and, where it differs from these terms, applies. The fee pays for the search and is not refundable once the search has started, whether or not you buy. Nine Bar acts for the buyer, is not an estate agency, and purchases complete through your lawyer and notary and a registered estate agent where the law requires one.
• The Pressure Call: £195, paid once. One call of up to 60 minutes and a written plan.
• The Reset: £950, paid once. Four weeks.
• The Circle: £29 a month, billed monthly until you cancel. One live group call a month, recorded, and a private group.
• The Body Plan: £295, paid once. A 12-week training plan and eating plan, and one call.
• Body Coaching: £450 a month, billed monthly until you cancel. Your plans, a weekly check-in, changes as you go, one call a month and WhatsApp support.
• Pressure and the Body: £2,500, paid once, by a business. A scoping call and a 90-minute talk and workshop for your team, by video or in person in Palma. Travel elsewhere is quoted and paid separately.
• The Team Programme: £7,500, paid once, by a business. Twelve weeks for up to ten people. More people are priced on request.

Mind and Body support is not medical care or therapy. Jamie is not a doctor, therapist, counsellor or other health professional, and nothing he says or writes is medical, psychological or clinical advice. It does not replace your doctors or any treatment. If you are in crisis or at risk of harming yourself, call 112 (Spain and Europe), 999 (UK), 024 (Spain, free, 24 hours) or Samaritans on 116 123 (UK). If Jamie believes you need professional help, he will say so and may pause the support until you have it, refunding any part not provided. The Circle is a peer group: members are not professionals either, and what other members say is their own view.

Training and eating plans. Body plans are general fitness and nutrition guidance for healthy adults. They are not medical, dietetic, physiotherapy or clinical care, and Jamie is not a doctor or dietitian. Before any plan is written, each person completes a health check. If they report a medical condition, symptoms, an injury, a pregnancy, regular medication or current treatment, the plan waits until they confirm their doctor has agreed they can train and change how they eat, and it is written within any limits the doctor sets. You must answer the health check truthfully and tell Jamie straight away if anything changes. Stop any exercise that causes pain, dizziness, chest pain or unusual breathlessness, and see a doctor. You train and change your diet at your own risk, within what the law allows (section 13). For teams, each person takes part voluntarily, their health answers are private to Jamie, and the company sees only anonymised results.

What each one includes is described on Work with Jamie, Mind and Body on the day you buy. That description forms part of your contract. Bespoke mandates agreed by email or in a written proposal follow that proposal; where it differs from these terms, the proposal applies.

3. Buying and payment

• You pay on a secure page run by Stripe, our payment provider. You can check and correct your details there before you pay. We never see your full card number.
• The contract is made when Stripe confirms your payment. By paying, you accept these terms.
• Pay by invoice (bank transfer): paying by UK bank transfer takes 5% off the price on the site. Orders placed before 13 November 2026 on the pay-by-invoice page received a pro-forma invoice; send the amount in pounds within 14 days with the reference on it. Your invoice (factura) is issued when the payment arrives. The account is in Jamie Mussett Harford's name, as Nine Bar is his trading name. The contract is made when the money arrives and we confirm it by email. You pay any charges your own bank makes. A pro-forma we have not received payment for within 14 days lapses. Retained Advisory by bank transfer is paid by standing order, monthly in advance, with the same reference; cancel the standing order after your notice period ends.
• Prices are in pounds sterling. If you pay from an account in another currency, Stripe or your bank sets the exchange rate and any fees.
• Tax (IVA): for businesses outside Spain, no Spanish IVA is charged. Businesses in the EU account for VAT themselves under the reverse charge; email us your VAT number and your invoice shows it. For customers in Spain, and for consumers, the price includes 21% IVA.
• Stripe emails your receipt. We send a full invoice (factura) with your business details on request, free of charge.

4. How an engagement runs

• Jamie emails you within two working days of payment to agree your first call. Working days are Monday to Friday, excluding public holidays in Mallorca.
• Your first call should take place within 60 days of payment. If we cannot agree a date in that time because of us, you can ask for a full refund.
• The weeks of a one-off engagement run back to back from your first call. You can pause once, for up to two weeks, by telling us before the pause starts.
• Calls take place by video and last up to 60 minutes. Group Sprint calls run every Tuesday at lunchtime, Palma time; the exact time is in your welcome email.
• On-site days are in Mallorca at no extra cost. Elsewhere, you pay reasonable travel and accommodation, agreed with you in writing before any booking.
• The engagement ends when its weeks end. Calls not used by then lapse, unless they were missed because of us.

5. Calls, WhatsApp and email

• To move a call, tell us at least 24 hours before it. We offer another time in the same or the next week. A call missed without that notice counts as used.
• If we have to move a call, we offer another time, and the call never counts as used.
• WhatsApp and email support, where your engagement includes it, runs for the length of the engagement. Jamie replies on working days, usually within one working day. It is for questions and quick reviews, not for extra calls or new pieces of work.

6. Your part

• Send the information we ask for, such as accounts, sales data, decks and models, accurately and on time. If something arrives late, the engagement still ends on its planned date, though we will always use the time well.
• Make sure you have the right to share what you send us.
• Decisions in your business are yours. We advise; you decide.

7. Introductions, investors and results

• Introductions are made personally by Jamie, at his discretion, only where he believes there is a real fit. We do not promise a number of introductions, a meeting, an investment or any result.
• Jamie is not authorised or regulated by the Financial Conduct Authority, the CNMV or any other financial regulator. He does not give regulated investment advice, arrange or negotiate deals in investments for you, hold client money, or take success fees or commission on any raise. An introduction puts two people in touch; any investment is agreed directly between you and the investor.
• You are responsible for how you approach investors, including any rules on financial promotions and offering securities where you raise money. Take legal advice on your raise.
• Nothing we provide is legal, tax, accounting or regulated financial advice. For those, speak to a qualified professional.
• Investor lists are put together from public and network sources. Use them in line with data protection law, and contact people with care: the outreach system we help you build is personal and low-volume, never spam.

8. Cancelling and refunds

One-off engagements and the sprints

• Before your first call: tell us by email and we refund you in full.
• After your first call: the engagement has started and the fee is not refundable, except as set out in sections 4 and 10, or where we have not provided the service with reasonable care and skill.

If you are a consumer

• The law gives you 14 days from payment to cancel without giving a reason. If you cancel in that time, we refund you within 14 days, to the payment method you used.
• If you ask us to start within those 14 days and then cancel, you pay a fair amount for the part already provided, and we refund the rest. Once the whole service has been provided at your request, the right to cancel ends.
• To cancel, email harfordjamie7@gmail.com with "Cancellation" in the subject, or use the model form in our terms of sale.

9. Retained Advisory and the Circle

Retained Advisory

• Retained Advisory is a subscription. Stripe takes £2,500 when you subscribe and then on the same date each month, until you cancel.
• Each month includes two calls and WhatsApp and email support on working days. Calls not used in a month do not carry over, unless they were missed because of us.
• You can cancel at any time by emailing us. Your notice period is one month: Stripe takes the next monthly payment after your email, and then no more. Your advisory runs to the end of that last paid month.
• We may change the monthly price with at least 30 days' notice by email. You can cancel before the new price applies.
• Either of us can end Retained Advisory straight away if the other seriously breaks these terms. If we end it for any other reason, we give one month's notice and refund any month paid for and not provided.

Investor Outreach

• Investor Outreach is a three-month subscription. Stripe takes £99 when you subscribe (buyers outside the UK may see it in their own currency at Stripe's rate) and then on the same date in each of the next two months: three payments in all. It then ends on its own; there is nothing to cancel.
• It includes an investor list curated by hand for your raise, outreach emails written for you and sent from your own mailbox, a private live dashboard, a refresh of your pitch deck, and one call a week with Jamie for the three months.
• You stay responsible for your mailbox and for anything sent from it. You approve the emails before they go out, and we pace them to protect your domain.
• We do not promise investment, meetings or replies. Investors decide for themselves.
• You can stop early by emailing us: Stripe takes no further payments, and the outreach stops at the end of the month you have paid for. Months already paid for are not refunded once the outreach has started.

Playbooks (Start Your Business, Run Your Own Round, Grow Your Business, Build Your Audience, Save Your Business, Build Your App, Build Your Strength) and the six-playbook bundle

• Each playbook is a download, paid once with Stripe: £20 (buyers outside the UK may see it in their own currency at Stripe's rate). You download it straight after paying, from a private link we also email to you.
• The bundle is the six business playbooks (every playbook above except Build Your Strength) in one payment of £60. Where a smaller bundle or a top-up to the full set is offered, its price is shown before you pay, and the same terms apply to every playbook in it.
• The download is supplied the moment you pay: by buying, you ask for it to be supplied immediately and accept that you lose the legal right to cancel once the download is available.
• Our promise: it works, or your money back. If the playbook will not open or run on your computer, email us within 30 days of buying. We will help you get it working, and if we cannot, we refund you in full. If the file is faulty or will not download, we fix it or send a working copy.
• Apart from that promise, we do not give refunds, for example for a change of mind. None of this affects your legal rights.
• It is licensed to you, for your own use or your own business. Please do not share, resell or publish it.
• It runs in your own copy of ChatGPT or Claude (Build Your App: Claude Code or Codex) and on your own computer. Your data stays with you and nothing is sent to Nine Bar. You are responsible for your mailbox and for every message sent from it: the playbook only sends messages you have approved. With Build Your App, you are responsible for the app you build, its users' data and what it costs to run.
• It is a working method and tool, not investment, legal, financial, tax, insolvency or security advice. We do not promise investment, sales, meetings or replies.
• Build Your Strength is a record-keeping and planning tool for adults. It is not medical advice, not a medical device and not a substitute for your doctor or care team. It does not diagnose, treat or prevent any condition, and we do not promise any effect on your health. Decisions about medicines and treatment are for you and your care team. In an emergency, call your emergency number.

The Circle

• The Circle is a subscription. Stripe takes £29 when you join and then on the same date each month, until you cancel.
• Each month includes one live group call with Jamie, by video, recorded for members who cannot join, and a private group. The date and link for each call are sent to you in advance.
• Cancel at any time by emailing us. We stop the subscription before your next payment, and your place runs to the end of the month you have paid for. There is no notice period.
• Recordings and what members share in the group are private to the Circle. Do not record, copy or share them outside it.
• We may remove a member who is abusive or breaks another member's confidence, and refund the rest of that month.
• We may change the monthly price with at least 30 days' notice by email. You can cancel before the new price applies.

10. If Jamie is unwell or cannot deliver

Nine Bar is run by one person, and Jamie is having ongoing medical treatment. If Jamie is unwell, or something outside our control gets in the way:

• We move the affected calls and extend your engagement by the same time, at no cost.
• If we cannot provide part of what you paid for within a reasonable time, you get a refund for that part, worked out fairly from the weeks or calls not provided. If the problem is serious, you can end the contract and get a refund for everything not yet provided.

11. Confidentiality

• We keep your business information confidential. We use it only to work with you, and share it only with people you have agreed to, such as an investor you asked us to introduce you to.
• A mutual NDA is standard. Ask, and we sign ours or yours before your first call.
• We never name you as a client or describe your business publicly without your written permission.
• Please keep confidential anything we share with you about other people in Jamie's network.
• How we handle personal data is in our privacy notice.

12. Who owns the work

• Once you have paid, the work made specifically for you, such as your plans, models, price lists, decks and reports, is yours to use, change and share as you wish.
• Jamie keeps the templates, methods and know-how behind them, and can keep using them with other clients, without ever sharing your information.
• Toolkit templates are licensed to you for use in your own business. Please do not resell or publish them.

13. Our responsibility to you

If you buy for a business

• We provide the services with reasonable care and skill.
• We are not liable for loss of profit, revenue, funding, business, contracts, goodwill or opportunity, or for any indirect loss, including any decision you or an investor make.
• Our total liability to you is limited to the fees you paid us in the 12 months before the claim arose.

If you are a consumer

• We are responsible for loss you suffer that is a foreseeable result of our breaking these terms or not using reasonable care and skill.

Nothing in these terms limits liability for death or personal injury caused by negligence, for fraud, for deliberate wrongdoing or gross negligence, or for anything else the law does not allow us to limit.

14. Complaints, law and courts

• Complaints: email harfordjamie7@gmail.com with "Complaint" in the subject. We confirm receipt and reply in full within 15 days. More in section 15 of our terms of sale.
• Spanish law applies. If you buy for a business, the courts of Palma de Mallorca deal with any dispute. If you are a consumer, you keep the protection of the consumer laws where you live and can bring a claim in your local courts.
• We may update these terms. The version on this page on the day you buy applies to that purchase. For Retained Advisory, we tell you about any change at least 30 days before it applies.
• If a court decides that part of these terms is invalid, the rest still applies.