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Disclaimer


Last updated: 2026

Please read this carefully. It explains what The UK Senior Survival Playbook and Nobody Told You This are, what they aren't, and the terms on which they are provided. By reading either book or using this website, you accept this Disclaimer in full.

1. Educational purpose only

The UK Senior Survival Playbook, Nobody Told You This and this website are provided for general educational and informational purposes only. They are designed to help you understand government programs, consumer rights, rules, and benefits in plain English, and to point you toward the right forms, offices, and questions to ask.

2. Not professional advice — no relationship

Nothing in either book or on this website is financial, legal, tax, or medical advice, and is not regulated financial advice under the Financial Services and Markets Act. The author and publisher are not a solicitor, an accountant, or an FCA-authorised financial adviser, and nothing here creates any professional, advisory, or fiduciary relationship. The material is general in nature and is not a substitute for personalised advice from a qualified professional who knows your specific circumstances.

3. Verify before you act

Thresholds, benefit amounts, income limits, and program rules change frequently and vary between England, Scotland, Wales and Northern Ireland. Every figure reflects the 2026/27 tax year to the best of careful research, but figures can change without notice. Before making any decision or taking any action, confirm the current details with the official source (such as GOV.UK) or a qualified professional. All examples are illustrative only, and your own results depend entirely on your individual circumstances.

4. No guarantee of results or eligibility

We do not warrant or guarantee that you will qualify for any program, benefit, credit, or discount, or that you will obtain any particular result, refund, or saving. Eligibility and outcomes depend on your personal circumstances, the rules in force, and decisions made by third parties and government bodies over which we have no control.

5. Provided “as is” — no warranties

The books and this website are provided “as is” and “as available”, without warranties of any kind, express or implied, including any implied warranties of accuracy, completeness, merchantability, or fitness for a particular purpose. We do not warrant that the information is error-free, complete, or current.

6. Limitation of liability

To the fullest extent permitted by law, the author, publisher, and their affiliates will not be liable for any loss or damage of any kind — including any direct, indirect, incidental, consequential, special, or punitive loss, or any loss of money, benefits, savings, data, or opportunity — arising out of or in connection with your use of, or reliance on, either book or this website, even if advised of the possibility of such loss. Where liability cannot be excluded by law, it is limited to the amount you paid for that book. Nothing here excludes or limits any liability that cannot lawfully be excluded.

7. Your responsibility (assumption of risk)

You are solely responsible for how you use this information and for verifying it before acting. Any action you take based on either book or this website is taken entirely at your own risk.

8. Not affiliated with any government agency

This is an independent educational resource. It is not affiliated with, endorsed by, or sponsored by the Department for Work and Pensions, HM Revenue & Customs, the NHS, or any government agency, regulator, ombudsman or company mentioned. All program names, forms, websites, and phone numbers mentioned are public information.

9. A word on scams

Genuine government agencies do not cold-call demanding personal or financial information, and never ask for payment in gift cards, e-transfers, or cryptocurrency. If someone contacts you claiming to be a government agency — or claiming to be us — and asks for sensitive information or payment, do not respond; contact the agency directly using an official number.

10. Questions

Support for your purchase is handled through Gumroad, the platform that processes and delivers the books. For any question about your order, use the receipt or order page from your Gumroad purchase.