Terms of Sale and Licence
Last updated: 16 September 2026
These terms apply when you buy or use Holding OS, UK Edition. By completing a purchase, you agree to them. They do not affect your statutory rights as a consumer.
1. Who we are
Holding OS is created and sold by W VERTEX LTDA, a limited liability company (sociedade limitada) organised under the laws of Brazil, registered under CNPJ 13.796.310/0001-06, with its registered office at Av. João Paulino Vieira Filho, 625, Sala 1504, Zona 01, Maringá, Paraná, 87020-015, Brazil ("W Vertex", "we", "us").
Contact: support@wvertex.com.br
2. What you are buying
Holding OS, UK Edition is a template for Notion, designed to help families organise and manage family investment companies, family holding companies and similar structures. After checkout, you receive a link that lets you duplicate the template into your own Notion workspace.
You are buying a licence to use the template, not ownership of it. Holding OS is digital content within the meaning of the Consumer Rights Act 2015. You need your own Notion account. Notion is operated by Notion Labs, Inc., which is not affiliated with W Vertex.
3. Checkout, price and VAT
Purchases are processed by Gumroad, Inc., which acts as merchant of record. Gumroad collects your payment and any applicable VAT, and its own terms and privacy policy apply to the checkout.
Prices on the page are shown in pounds sterling and include UK VAT at the current rate. If you buy from outside the United Kingdom, Gumroad applies the tax rules of your country and the amount charged may differ from the price shown.
Discounts are applied only through the promotional codes we publish, at checkout.
4. Licences
4.1 Standard Licence
The Standard Licence is included in every regular purchase. It allows you to use the template, in as many copies as you need, to organise and manage the companies, trusts and estates of your own family.
"Your own family" means you, your spouse or civil partner, your ancestors and descendants, and their spouses or civil partners, together with the companies, trusts and estates that any of them own or control. Your own solicitor, accountant or other adviser may access your copy to help you.
4.2 Professional Licence
The Professional Licence is sold separately. It allows one firm to use the template to deliver services to clients.
"One firm" means a single law firm, accountancy practice, family office or other professional practice, including its partners, employees and contractors acting on its behalf. Under this licence, you may:
- use the template with an unlimited number of clients;
- create a separate copy for each client;
- transfer a client's copy to the client's own Notion workspace.
Each client may use its copy only within the limits of the Standard Licence, and may not redistribute it.
4.3 Restrictions that apply to both licences
You may not:
- sell, resell, sublicense, rent or give away the template, in whole or in part, as a product;
- publish it on a template marketplace or anywhere it can be downloaded or duplicated by the public;
- use it to create a competing template or product;
- remove or alter the W Vertex credits and notices.
A version without W Vertex credits, carrying your firm's brand, requires a separate white-label agreement.
4.4 End of the licence
If you breach these terms, your licence ends automatically. If you receive a refund, your licence also ends, and you must delete the copies you made.
5. Updates
Your purchase includes free updates to the edition you bought (Holding OS, UK Edition, version 1.x), including updates that reflect changes in the law covered by the template. When we publish an update, we make it available to you by email or through your Gumroad library.
We use reasonable efforts to update the template after material changes in the law it covers. We do not guarantee how quickly an update will follow a change, or that the content is current at any given moment.
New editions, additional modules or higher tiers may be sold separately.
6. Cancellation and our 14-day money-back guarantee
Your statutory right to cancel. Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, you have the right to cancel a distance contract within 14 days without giving a reason. For digital content that is not supplied on a physical medium, this right ends once the content has been made available to you, if you asked for immediate access and acknowledged that you would lose the right to cancel. By completing checkout and opening the template link, you are asking for immediate access and giving that acknowledgement.
Our guarantee goes further. Whatever the position under the Regulations, if Holding OS isn't right for you, email support@wvertex.com.br within 14 days of your purchase, with your order number, and we will refund the full amount through Gumroad, to your original payment method, with no questions asked. Your licence ends on refund, and you must delete the copies you made.
This guarantee is in addition to, and does not limit, your statutory rights.
7. Your rights as a consumer
If you are a consumer in the United Kingdom, the Consumer Rights Act 2015 gives you rights in relation to digital content: it must be of satisfactory quality, fit for purpose and as described. If it is not, you may be entitled to a repair or replacement, or to a price reduction. If digital content we supply damages your device or other digital content, and this is caused by our failure to use reasonable care and skill, you may be entitled to a repair or compensation.
Nothing in these terms excludes or limits those rights, or any other right that cannot lawfully be excluded or limited.
8. Not legal, tax, accounting or investment advice
Holding OS is general reference material for organising and managing family wealth. It is not legal, tax, accounting, investment or other regulated advice, is not tailored to your circumstances, and is not a substitute for the advice of a solicitor or accountant. Buying or using it does not create a solicitor-client, accountant-client or adviser-client relationship with W Vertex or with anyone involved in creating it.
Document templates. They must be adapted and reviewed by a solicitor before you sign or file them. Documents executed as a deed have their own signing formalities.
Law and currency. The content was prepared using UK law and published guidance current as at the date shown in the template. England and Wales is the worked example; succession law, land transaction taxes and powers of attorney differ in Scotland, Wales and Northern Ireland. Several areas covered, including business relief in a group, close investment-holding company status, growth shares, transfers of property into a company, ATED and loans to participators, depend on the specific facts and are presented as questions for your adviser, not as answers.
9. Your information inside Notion
The information you enter into your copy of the template lives in your own Notion workspace. W Vertex has no access to it. Notion's own terms, privacy policy and security practices govern that data.
We recommend not storing full National Insurance numbers, passport details or bank account details in the template.
10. Intellectual property
The template, its structure, text, guides, document templates, images and the Holding OS name and logo belong to W Vertex and are protected by copyright and other laws. The licences in section 4 are the only rights you receive.
"Notion" is a trade mark of Notion Labs, Inc., and "Gumroad" is a trade mark of Gumroad, Inc. Holding OS is not affiliated with, sponsored by or endorsed by either company.
11. What we promise, and what we do not
We will supply Holding OS with reasonable care and skill, and it will match the description on the sales page and the version notes.
We do not promise that Holding OS will fit your family's particular situation, produce any particular tax or legal outcome, or reflect the law of your jurisdiction at any given moment. Whether a structure, relief or exemption applies depends on the facts, the governing documents, valuation evidence, residence and legislative change.
Section 7 applies to everything in this section.
12. Our liability
We do not exclude or limit our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot lawfully be excluded or limited, including your rights under section 7.
Subject to that:
- What we are responsible for. We are responsible for loss or damage you suffer that is a foreseeable result of our breaking these terms or failing to use reasonable care and skill.
- What we are not responsible for. We are not responsible for loss that was not foreseeable, for loss caused by your reliance on the template as legal, tax or accounting advice, or for business losses if you use Holding OS for any commercial purpose. This includes tax, penalties and interest, missed filing deadlines, lost profits and loss of data.
- Cap for business users. If you buy under the Professional Licence or otherwise for business purposes, our total liability for any claim related to Holding OS is limited to the amount you paid for it.
13. Governing law and disputes
These terms are governed by the laws of the Federative Republic of Brazil. If you are a consumer, you also benefit from the mandatory consumer protection laws of the country where you live, and nothing in these terms takes that protection away.
Before starting any claim, please write to support@wvertex.com.br; we will try to resolve the matter within 30 days.
If you are a consumer resident in the United Kingdom, you may bring a claim in the courts of the part of the United Kingdom where you live (England and Wales, Scotland or Northern Ireland), and we may bring a claim against you only there. Otherwise, disputes will be decided by the courts of Curitiba, State of Paraná, Brazil, unless the mandatory law of your place of residence gives you the right to bring the claim there.
14. Changes to these terms
We may update these terms. The version in effect on the date of your purchase applies to that purchase.