The short version: you're buying a digital download for your own use. Because it's instantly delivered digital content, you agree at checkout to waive the usual 14-day cancellation window — but if something's genuinely wrong with it, email us and we'll be human about it.
1. What you're buying
Investing for Your Child — A Practical Parent's Guide: a downloadable zip containing the full guide of over 70 pages (PDF), a Start Here sheet (PDF), compounding growth charts (PDF), a which-account decision flowchart (PDF), a platform fee checker (Excel), and a current-tax-year allowances sheet (PDF). Delivery is by download link immediately after payment, with a receipt emailed by our payment processor, Stripe. Updates to this edition are included — re-download whenever you like via your receipt.
2. Your licence
Your purchase grants a personal, non-transferable licence to use the guide within your own family. You may not resell, redistribute, share, or republish the guide or substantial parts of it. The worksheets and planners may of course be printed and filled in for your own use — that's what they're for.
3. Cancellation and refunds
Under the Consumer Contracts Regulations 2013, digital content supplied immediately is exempt from the 14-day cancellation right where you have consented to immediate supply and acknowledged losing that right — which you do at checkout before payment.
That's the legal position; here's ours: if the guide is faulty, not as described, or you genuinely can't access it, email hello@investingforchildren.co.uk within 14 days and we'll fix it or refund you. Your statutory rights regarding digital content that is faulty or not as described (Consumer Rights Act 2015) are unaffected by anything on this page.
4. What the guide is (and isn't)
The guide is educational content, not financial advice. It is not a personal recommendation to buy, hold or sell any investment, product or account, and no adviser–client relationship is created by buying it. We are not authorised or regulated by the Financial Conduct Authority, and we cannot advise on what you personally should do with your money. For decisions specific to your circumstances, consult a regulated financial adviser, and where relevant a solicitor or tax adviser.
The value of investments can fall as well as rise, and your child could get back less than has been paid in. Past performance is not a reliable indicator of future results. Every growth figure in the guide is a simplified illustration using a single assumed rate — not a forecast, projection or guarantee, and not adjusted for inflation.
Tax rules, allowances and provider charges change. The guide states the tax year its figures relate to and tells you to verify them against GOV.UK and HMRC before acting. We refresh the current edition periodically but cannot guarantee every figure matches today's position.
Third-party services mentioned in the guide (investment platforms, banks, NS&I and others) are their own businesses with their own terms; we're not responsible for their availability, pricing, or decisions, and no endorsement is implied.
5. Liability
Nothing in these terms limits liability that cannot be limited by law. Otherwise, our total liability in connection with the guide is limited to the amount you paid for it, and we are not liable for indirect losses such as investment losses, lost profits or missed opportunities arising from use of the guide.
6. Who we are
Investing for Children is a trading name of Andrew Howe, a sole trader based in the United Kingdom. Correspondence address: Unit A, 82 James Carter Road, Mildenhall, IP28 7DE, United Kingdom. Contact: hello@investingforchildren.co.uk.
7. General
These terms are governed by the laws of England and Wales, and the courts of England and Wales have jurisdiction. If any part of these terms is found unenforceable, the rest still applies. Questions: hello@investingforchildren.co.uk.