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 an AI-generated presenter, not a real person, and holds no qualifications. The guides are written and published by the team behind this channel.
Neither Gerald nor the team behind this channel is authorised by the Financial Conduct Authority to give regulated financial advice.
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.
Figures are taken from 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 an AI-generated presenter, not a real person. His face and voice are generated by AI. Names and stories used as examples in the videos, emails and guides are illustrations, not real people.
This disclosure appears on this website, on the YouTube channel, in our emails and in the guides.
The rules and figures come from public sources. Check the version date and your own circumstances before acting. 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 (our checkout provider).
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]