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.
This website and the guides sold on it are produced by Smeets Sales & Media, a sole proprietorship registered in the Netherlands. Postal address: Rentmeesterlaan 11, 6002EH, Weert, the Netherlands.
Payment processing is handled by Payhip, which acts as Merchant of Record for our digital products. Payhip is responsible for VAT collection, payment processing, and customer payment support.
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, a contract for the sale of the digital product is formed between you, Payhip (as Merchant of Record), and us. Payhip will email you a receipt and the product.
For digital products delivered immediately, you waive your statutory right of withdrawal under the Consumer Contracts Regulations 2013 as soon as you have downloaded the product. However, we voluntarily offer a 14-day refund policy regardless — 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 character Gerald Whitlock and his likeness, the website design — is copyright of Smeets Sales & Media and protected under UK and international copyright law.
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.
Every figure in the guides is verified against 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 a character. The content, figures, procedures, and worked examples are all real and verified. The face and voice presenting the content are AI-generated. 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]