Terms & Conditions

Last updated: 20 July 2026

Welcome to Let's Talk Money.

These Terms & Conditions govern your use of the Let's Talk Money website and any products, services, coaching, resources or content we provide.

By accessing or using this website, you confirm that you have read, understood and agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use this website.

1. About Us

Let's Talk Money is operated by Ben Hefford, trading as Let's Talk Money, a sole trader based in England.

Throughout these Terms, "we", "our" and "us" refer to Let's Talk Money.

2. Educational Purposes Only – Not Financial Advice

Let's Talk Money exists to improve financial education, confidence and decision-making.

All information provided through our website, coaching sessions, blog articles, emails, newsletters, downloadable resources, webinars, videos, social media channels and any other content is provided for general educational and informational purposes only.

We do not provide:

Regulated financial advice
Personal financial advice
Investment advice
Tax advice
Legal advice
Pension advice
Mortgage advice
Insurance advice
Personal recommendations regarding financial products

Nothing we publish or discuss should be interpreted as a recommendation that you should buy, sell, retain or switch any financial product or investment.

Any examples, illustrations, calculations or case studies are provided for educational purposes only and should not be relied upon when making financial decisions.

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.

Any financial decisions you make remain entirely your own responsibility.

3. Financial Coaching

Our coaching services are educational and are intended to help clients develop greater understanding, confidence and accountability around personal finance.

Financial coaching may include topics such as:

Budgeting
Saving
Goal setting
Building financial habits
Understanding investing concepts
Understanding pensions
Financial organisation
Behavioural coaching
Financial education

Coaching does not include regulated financial advice or personal recommendations.

We will never tell you which investment, pension, mortgage, insurance policy or financial product you should choose.

4. No Guarantee of Results

Every individual's financial circumstances are different.

We cannot and do not guarantee:

Financial success
Investment returns
Debt reduction
Increased savings
Improved credit scores
Specific financial outcomes

Your results depend upon numerous factors outside our control, including your own decisions and market conditions.

Past performance of investments or financial strategies is not a reliable indicator of future results.

5. Your Responsibilities

By using our website or services you agree that:

You are responsible for your own financial decisions.
You will seek professional regulated advice where appropriate.
You will provide accurate information during coaching sessions.
You understand our services are educational rather than advisory.

6. Intellectual Property

Unless otherwise stated, all content on this website is owned by Let's Talk Money.

This includes, but is not limited to:

Text
Articles
Graphics
Branding
Logos
Videos
Worksheets
Templates
Downloads
Coaching materials
Digital products

You may:

View content for your personal use.
Download free resources where explicitly permitted.

You may not:

Copy or reproduce our materials.
Sell or redistribute our content.
Modify our materials.
Share paid content with others.
Use our intellectual property for commercial purposes without written permission.

7. Acceptable Use

You agree not to:

Use this website unlawfully.
Attempt to gain unauthorised access to our systems.
Upload malicious software.
Interfere with website security.
Use our content to misrepresent yourself or your business.

We reserve the right to restrict or terminate access where these Terms are breached.

8. Accuracy of Information

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

However, we make no warranties or guarantees regarding:

Accuracy
Completeness
Availability
Reliability
Suitability

Financial regulations, tax legislation and market conditions change regularly.

Information published today may become outdated without notice.

9. Third-Party Websites

Our website may contain links to third-party websites.

These are provided for convenience only.

We do not control or endorse third-party websites and accept no responsibility for their content, availability or privacy practices.

10. Affiliate Links

Some links on this website may be affiliate links.

If you purchase products or services through these links, we may receive a commission at no additional cost to you.

Any recommendations are based on our genuine opinion at the time of publication.

You should always carry out your own research before purchasing any financial or non-financial product.

11. Coaching Sessions

Where coaching sessions are booked:

Sessions are educational in nature.
Coaching is not financial advice.
Clients remain responsible for all financial decisions.
We reserve the right to refuse or terminate coaching where appropriate.

If coaching becomes inappropriate because regulated financial advice is required, we may recommend that you seek advice from an appropriately authorised professional.

12. Payments, Cancellations & Refunds

Where paid services are offered:

Payment must be made before the agreed service unless otherwise agreed.

If you need to cancel or reschedule a coaching session, at least 24 hours' notice should be provided.

Sessions cancelled with less than 24 hours' notice may be treated as used.

Refund policies for digital products, courses or coaching programmes will be clearly displayed before purchase.

Nothing in these Terms affects your statutory rights under UK consumer law.

13. Personal Information

We collect and process personal information in accordance with our Privacy Policy and applicable UK data protection legislation.

Information may include:

Name
Email address
Booking information
Payment information
Information voluntarily provided during coaching

We never sell personal data.

14. Limitation of Liability

To the fullest extent permitted by law, Let's Talk Money shall not be liable for any direct, indirect, incidental, consequential or financial loss arising from:

Use of this website
Coaching sessions
Educational materials
Downloadable resources
Reliance on information provided
Third-party websites or services

Nothing in these Terms excludes liability where exclusion is not permitted by law, including liability for death or personal injury caused by negligence or fraud.

15. Force Majeure

We shall not be liable for any delay or failure to perform our obligations due to circumstances beyond our reasonable control, including but not limited to natural disasters, internet outages, power failures, pandemics, industrial disputes or government action.

16. Severability

If any provision of these Terms is found to be unlawful or unenforceable, the remaining provisions shall remain in full force and effect.

17. Entire Agreement

These Terms & Conditions constitute the entire agreement between you and Let's Talk Money regarding your use of this website and our services.

18. Changes to These Terms

We may amend these Terms from time to time.

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

Your continued use of the website constitutes acceptance of any revised Terms.

19. Governing Law

These Terms are governed by the laws of England and Wales.

Any dispute arising from these Terms or your use of this website shall be subject to the exclusive jurisdiction of the courts of England and Wales.

20. Contact

If you have any questions regarding these Terms & Conditions, please contact us using the contact form on this website or via the contact details published on the website.