Website Disclaimer

Last updated: 20 July 2026

Welcome to Let's Talk Money.

This Disclaimer explains the limitations of the information and services provided through this website. By accessing or using this website, you acknowledge that you have read, understood and accepted this Disclaimer.

If you do not agree with this Disclaimer, you should not use this website.

1. Educational Purposes Only

Let's Talk Money provides financial education and coaching designed to improve financial knowledge, confidence and decision-making.

All content published on this website, including articles, guides, videos, newsletters, downloads, calculators, coaching sessions and any other materials, is provided for general educational and informational purposes only.

Nothing on this website should be interpreted as regulated financial advice or as a recommendation to take any particular financial action.

2. No Regulated Financial Advice

Let's Talk Money is not authorised or regulated by the Financial Conduct Authority (FCA) to provide regulated financial advice.

We do not provide:

Personal financial advice
Investment advice
Pension advice
Mortgage advice
Insurance advice
Tax advice
Legal advice
Individual financial recommendations

Nothing published by Let's Talk Money should be relied upon as a recommendation to buy, sell, hold or switch any investment, pension, insurance policy, mortgage or other financial product.

If you require advice tailored to your personal circumstances, you should seek advice from an appropriately qualified professional, such as an FCA-authorised financial adviser, accountant or solicitor.

3. Financial Coaching

Our coaching services are educational in nature.

Financial coaching focuses on improving financial understanding, behaviours and confidence.

Topics may include:

Budgeting
Saving
Debt management
Goal setting
Financial planning principles
Investing education
Pensions education
Financial organisation
Long-term wealth building
Behavioural money habits

Coaching does not include regulated financial advice or personal recommendations.

The decisions you make remain entirely your own.

4. Investment Risk Warning

Investing involves risk.

The value of investments can go down as well as up, and you may receive back less than you originally invested.

Past performance is not a reliable indicator of future performance.

Any examples, calculations, illustrations or discussions relating to investing are provided solely for educational purposes and should not be relied upon when making investment decisions.

You should always conduct your own research and consider seeking professional advice before investing.

5. No Guarantee of Results

Financial outcomes depend on numerous factors beyond our control.

Accordingly, we make no guarantees regarding:

Investment performance
Financial returns
Debt reduction
Savings growth
Income increases
Financial independence
Achievement of financial goals

Any testimonials or examples featured on this website reflect individual experiences and should not be interpreted as typical or guaranteed outcomes.

6. Accuracy of Information

We make reasonable efforts to ensure that the information published on this website is accurate and up to date.

However, financial regulations, tax legislation, investment markets and economic conditions change regularly.

We therefore make no representations or warranties regarding the completeness, accuracy, reliability or suitability of any information provided.

Information may become outdated without notice.

7. Personal Responsibility

By using this website, you acknowledge and agree that:

You remain solely responsible for your own financial decisions.
You will carry out your own research before acting on any information.
You understand that educational information is not a substitute for professional advice.
You accept responsibility for the consequences of decisions you make.

8. Third-Party Websites

This website may contain links to third-party websites, products or services.

These links are provided for convenience only.

Let's Talk Money has no control over the content, availability or practices of third-party websites and accepts no responsibility for them.

Your use of third-party websites is entirely at your own risk.

9. Affiliate Disclosure

From time to time, this website may contain affiliate links.

If you purchase products or services through these links, Let's Talk Money may receive a commission at no additional cost to you.

Any recommendations reflect our genuine opinion at the time of publication.

You should always conduct your own research before purchasing any product or service.

10. Limitation of Liability

To the fullest extent permitted by law, Let's Talk Money and Ben Hefford accept no liability for any direct, indirect, incidental, consequential or financial loss arising from:

Use of this website.
Reliance on information published on this website.
Coaching sessions.
Downloadable resources.
Calculators or educational tools.
Third-party websites or services.

Nothing in this Disclaimer excludes or limits liability where such exclusion would be unlawful, including liability for death or personal injury caused by negligence or for fraud.

11. Intellectual Property

Unless otherwise stated, all content published by Let's Talk Money is protected by copyright and other intellectual property rights.

Content may not be copied, reproduced, republished, distributed or commercially exploited without prior written permission.

You may download or print materials solely for your own personal, non-commercial use where expressly permitted.

12. Changes to This Disclaimer

We may update this Disclaimer from time to time.

The latest version will always be published on this page together with the updated revision date.

Continued use of the website constitutes acceptance of any updated Disclaimer.

13. Contact

If you have any questions regarding this Disclaimer, please contact:

Let's Talk Money

Operated by Ben Hefford

Email: info@letstalkmoney.org

Website: www.letstalkmoney.org