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Terms of Use


Last updated: 2026

These Terms of Use (“Terms”) govern your access to and use of this website and the books The UK Senior Survival Playbook and Nobody Told You This (each a “Book”). By purchasing, downloading, or using a Book or this website, you agree to these Terms and to our Disclaimer. If you do not agree, please do not use the site or buy the Book.

1. What you're buying

You are buying a digital book delivered as a downloadable PDF for your own personal use. No physical product is shipped. You are responsible for having a device able to open a standard PDF.

2. Licence — personal use only

The Book is licensed, not sold, for your personal and household use. You may read it, keep it, and print a copy for yourself. You may not resell, republish, share, sublicense, or distribute it, in whole or in part, or use it for any commercial purpose. If someone else would find it useful, please direct them to this website to buy their own copy.

3. Payment, delivery & refunds

Payment and delivery are handled by our third-party platform, Gumroad, subject to its own terms. Under the Consumer Rights Act 2015, digital content must be as described, of satisfactory quality, and fit for purpose. Because each book is a digital download supplied immediately, you agree that delivery begins at once and that you lose the standard 14-day right to cancel once the download has started. If your file is faulty, corrupted, or won't open, contact us through the receipt or order page from your Gumroad purchase and we will replace it or refund you.

4. Education, not professional advice

The Books help you understand programs, consumer rights, rules, and benefits in plain English and points you to the right forms, offices, and questions. It is not financial, legal, tax, or medical advice, and is not regulated financial advice under the Financial Services and Markets Act, and it is not a substitute for a qualified professional. Rules change and vary between England, Scotland, Wales and Northern Ireland. Always confirm your situation with the official source (such as GOV.UK) or a qualified professional before acting. See our Disclaimer for full details.

5. Accuracy & no warranties

Every figure was carefully researched and reflects the 2026/27 tax year to the best of our knowledge at the time of writing, but programs, limits, and amounts change. The Books and website are provided “as is” and “as available” without warranties of any kind, express or implied, including accuracy, completeness, merchantability, or fitness for a particular purpose. Always verify against the official sources cited.

6. No guarantees

We do not guarantee that you will qualify for any benefit or achieve any particular result or saving. Outcomes depend on your circumstances, current rules, and third parties including government bodies.

7. Limitation of liability

To the fullest extent permitted by law, the author, publisher, and their affiliates will not be liable for any direct, indirect, incidental, consequential, special, or punitive loss or damage — including loss of money, benefits, savings, or opportunity — arising from your use of, or reliance on, a Book or this website. Where liability cannot be excluded, it is limited to the amount you paid for that Book. Nothing in these Terms excludes any liability that cannot lawfully be excluded.

8. Not affiliated with the government

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 and forms mentioned are public information.

9. Changes to these Terms

We may update these Terms from time to time. The version posted on this website at the time you use it is the version that applies.

10. Governing law

These Terms are governed by the laws of the jurisdiction in which the publisher is established, without regard to conflict-of-law principles, and the courts of that jurisdiction will have jurisdiction over any dispute, to the extent permitted by law.

11. 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.