Please read this carefully. It covers things that matter for how you use the library and what kind of content this is.
Gerald Whitlock is the author of this guide series. He spent his career in UK tax and retired in 2022. He has since volunteered for Pension Wise and Citizens Advice.
Gerald is not, and has never been, authorised by the Financial Conduct Authority (FCA) to give regulated financial advice. He does not give regulated financial advice in this library.
The library is general educational information about how UK tax, pensions, allowances, and procedures work. It is the same legal category of content as a Which? guide, a MoneyHelper page, or a personal finance book published commercially in the UK. It is not personal financial advice tailored to your specific situation.
The library does not tell you what to do with your specific money, pension, estate, or family situation. It explains the rules, the procedures, what to ask, and which professional to talk to about which topic.
For your specific decisions, talk to a qualified professional:
The library indicates which professional is the right one for each topic. That guidance is part of the library's value.
Every figure in the library — every threshold, every allowance, every age, every deadline — has been verified against gov.uk at the time of writing. The version date is shown on the front of each PDF.
UK tax rules change. The main changes happen every 6 April when the new UK tax year begins. Some changes happen mid-year following a Budget or Spring Statement.
If you are reading a copy of the library that is more than 12 months old, check the version date at the front of each PDF. The structural rules — the seven-year rule, Section 21, the transferable Nil-Rate Band — do not change. The numerical amounts attached to them often do.
Gerald Whitlock is a character. The content, the figures, the procedures, the phone scripts, and the worked examples in the library are all real and verified. The face you see in the videos and the voice you hear in audio content are not.
This disclosure is stated on camera in the Important Disclaimers video, in the Welcome video, on the sales page where you bought the library, in the email sequence that preceded your purchase, and now here in writing. It is part of how this channel operates and how the library is offered.
The library is not less useful because it is presented by a synthetic character. Every fact, every figure, every procedure is verified. But you deserve to know what kind of content you are engaging with.
14 days from the date of purchase, no questions asked.
If you read the library and decide it does not deliver what was described on the sales page, email [email protected] and your purchase will be refunded in full.
There is no list of "qualifying reasons." There is no requirement to justify your decision. The 14 days begins on the date of your purchase, as recorded by Payhip (the payment processor).
Refunds after 14 days are not automatic. If there is a genuine problem after 14 days, write to the contact email above and the matter will be handled fairly.
The library is written for the UK as a whole. Several rules differ by jurisdiction, and the differences matter:
The library notes where the differences fall in each guide. For specifics in your jurisdiction, the professional you consult — accountant, solicitor, or IFA — needs to know which part of the UK you live in. The guides give you the framework. The local detail comes from someone qualified in your jurisdiction.
Refund requests, content questions, and corrections: [email protected]
— Gerald