Terms and conditions

Last updated: November 2026

1. Buying

“We” means the operator of this site. Our payment provider processes your order, takes the payment and sends your receipt. When you buy, you agree to these terms. You must be 18 or over to buy.

2. No cancellations or refunds

The product is a digital download that you get straight away. At checkout, you agree that the download starts straight away and that you lose your 14-day right to cancel. All sales are final. We do not give refunds, including if you change your mind.

This does not affect your legal rights if a file is faulty or not as described. In that case, we will fix or replace it.

3. Education, not advice

Our products give general information only. They are not financial, tax, legal or other professional advice, and they are not a personal recommendation. We are not regulated by the Financial Conduct Authority. The value of investments can go down as well as up, and you can get back less than you put in. You are responsible for your own decisions.

4. Your licence

You get a personal licence to use the product for your own non-commercial use. Do not share, sell, upload or give away the product or your download link. Do not use it to train or test any artificial intelligence system. If you break this rule, your licence ends.

5. Our liability

We are not responsible for any decision that you make because of our products, or for any loss that follows from it. Our total liability for each order is limited to the price that you paid. Nothing in these terms limits liability that the law does not let us limit.

6. Law

The law of England and Wales applies to these terms. We put any new version of these terms on this page, with a new date.