These terms govern your use of this website (geraldwhitlock.co.uk) and any digital guides purchased through it. By using the website or buying a guide, you agree to these terms.
Gerald Whitlock is an AI-generated presenter, not a real person. This website and the guides sold on it are provided by the team behind Gerald Whitlock. Postal address: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF, United Kingdom. Email: [email protected].
Checkout and delivery are handled by Payhip. Your contract for the guides is with us.
We sell digital PDF guides and related educational materials about UK tax, pensions, allowances, inheritance, and procedures. All guides are delivered electronically as PDF files by email after purchase.
The guides are general educational information. They are not personal financial, tax, or legal advice. See our Disclaimers page for details on what the guides are and are not.
You must be at least 18 years old to buy from this website. By making a purchase, you confirm you are 18 or over and have the legal capacity to enter into a contract.
When you complete the checkout on Payhip, your contract for the guides is with us. Payhip will email you a receipt and the product.
If you ask for the download to start straight away and acknowledge that you then lose the 14-day cancellation right, that right ends once the download begins (Consumer Contracts Regulations 2013, regulation 37). We still offer a voluntary 14-day refund — see our Refund Policy.
When you buy a guide, you receive a personal, non-exclusive, non-transferable licence to use it for your own benefit and the benefit of your immediate family (spouse, parents, children, siblings).
You may:
You may not:
All content on this website and in the guides — text, images, the website design, the Gerald Whitlock presenter, his likeness and the guides — is protected by copyright. All rights reserved.
14 days from purchase, no questions asked. Full details on the Refund Policy page.
The guides are general educational information about UK tax, pensions, and procedures. They are not personal financial, tax, or legal advice. We make no warranty that any specific outcome will follow from reading the guides or acting on them.
Figures are taken from GOV.UK at the time of writing. UK tax rules change. We are not responsible for changes that occur after a guide is published. Each guide carries a version date; you should check whether figures remain current before acting on them.
To the extent permitted by UK law, our liability to you for any loss arising from your use of the website or the guides is limited to the amount you paid for the guide in question. Nothing in these terms limits our liability for fraud, death or personal injury caused by negligence, or any other liability that cannot be limited by law.
For your specific situation, talk to a qualified accountant, an Independent Financial Adviser regulated by the FCA, or HMRC directly. The guides indicate which professional is the right one for each topic.
Gerald Whitlock is an AI-generated presenter, not a real person. His face and voice are generated by AI. The worked examples in the guides are illustrations, not real cases. See the Disclaimers page for full details.
We aim to keep the website available continuously, but we make no guarantee of uptime. We may need to take the site offline for maintenance from time to time.
We may update these terms occasionally. Any changes will be reflected by the "Last updated" date at the top of this page. Continued use of the site after a change means you accept the updated terms.
These terms are governed by the laws of England and Wales. Any dispute arising from these terms or from your use of the website or guides is subject to the non-exclusive jurisdiction of the courts of England and Wales.
If you are a consumer resident in the EU, you retain the protection of mandatory consumer law provisions in your country of residence.
Questions: [email protected]