Little Budgets Guide
Terms and Conditions

Terms and Conditions

Little Budgets Guide Last updated: [01 January 2026]

1. Introduction

These Terms and Conditions (“Terms”) govern your access to and use of the Little Budgets Guide website and digital products (“Products”), including downloadable PDF guides and video content.

By purchasing or accessing our Products, you agree to be bound by these Terms. If you do not agree to these Terms, you must not purchase or access our Products.

2. About Us

This website and its content are operated by:

• Trading Name: Little Budgets Guide

• Legal Owner: [A Still]

• Registered Address: (STILL – OFF MES S, BUCKS, HP144XL

• Contact Email: [LittleBudgetsGuide@gmail.com]

3. Nature of Our Content (Disclaimer)

All content provided by Little Budgets Guide is:

• Educational and informational only.

• Based on publicly available UK government information.

• Not financial, legal, tax, or professional advice.

We do not:

• Assess individual eligibility for any scheme.

• Guarantee funding outcomes.

• Interact with government departments on your behalf.

Important: Government policies and benefit thresholds change frequently. You are solely responsible for verifying your own eligibility using official government sources (e.g., gov.uk) before making financial decisions.

4. Digital Products & Access

Upon purchase, you will receive access to digital content (PDF guides and/or video content).

• Digital Only: No physical items will be shipped.

• Delivery: Access is provided immediately or shortly after payment via email or download link.

• Scope: Access is for the individual purchaser only.

5. Cancellation & Refund Policy

Please read this section carefully.

5.1 Waiver of Cancellation Rights (Digital Content)

Under the Consumer Contracts Regulations 2013, consumers typically have a 14-day right to cancel online purchases. However, this right does not apply to digital content (downloads or streaming) once delivery has started, provided you consented to immediate delivery.

By purchasing our Products, you expressly request immediate access to the content and acknowledge that you thereby lose your statutory 14-day right to cancel.

5.2 No Refunds Policy

Because our products are digital and cannot be "returned" once downloaded or viewed:

• All sales are final.

• We do not offer refunds for "change of mind" or if you find you are ineligible for a specific government scheme.

5.3 Faulty Digital Content

Under the Consumer Rights Act 2015, digital content must be as described, fit for purpose, and of satisfactory quality.

• If your file is corrupted, fails to download, or is technically defective, please contact us at [LittleBudgetsGuide@gmail.com].

• We will attempt to repair or replace the content. If we cannot fix the fault within a reasonable time, you may be entitled to a refund.

6. Intellectual Property & Copyright

All content provided by Little Budgets Guide is the intellectual property of the Legal Owner defined in Clause 2. This includes text, graphics, logos, PDF layouts, and video scripts.

6.1 Licence Granted

Upon purchase, you are granted a personal, non-exclusive, non-transferable, and revocable licence to use the content for your own personal information.

6.2 Prohibited Use

You must not:

• Copy, reproduce, distribute, or resell the content.

• Share your login credentials or download links with others.

• Upload our PDF guides or videos to social media, forums, or file-sharing sites.

• Use the content for commercial purposes (e.g., training others or providing paid advice).

Enforcement: Unauthorised sharing or commercial use constitutes a breach of these Terms. We reserve the right to immediately terminate access without refund and seek legal damages for copyright infringement.

7. Access Security

Where password-protected access is provided, you are responsible for keeping your credentials secure. We monitor account activity and reserve the right to suspend access if simultaneous logins or suspicious sharing patterns are detected.

8. Accuracy & Availability

While we strive to ensure our guides are accurate at the time of publication:

• Information may become outdated due to government policy changes.

• We do not guarantee that the schemes described will remain available.

• We do not warrant that the site will be error-free or available 24/7.

9. Limitation of Liability

To the maximum extent permitted by law:

• Little Budgets Guide and its owners shall not be liable for any indirect, special, or consequential loss arising from the use of our Products.

• We are not liable for any financial loss resulting from your reliance on the information provided.

• Our total liability to you for any claim arising out of your use of the Products is limited to the amount you paid for the Product.

Nothing in these Terms excludes or limits our liability for fraud, or for death or personal injury caused by our negligence.

10. Age Restrictions

You must be at least 18 years old to purchase or access our Products.

11. Termination

We reserve the right to terminate your access to our Products immediately, without notice or refund, if you breach these Terms (specifically regarding Copyright or prohibited sharing).

12. Governing Law

These Terms are governed by the laws of England and Wales. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

13. Contact

For questions regarding these Terms or technical support, please contact us at: Email: [LittleBudgetsGuide@gmail.com]