Terms of use

These Terms of Use govern your access to and use of the website operated by Howard Nowell Life Planning Ltd (“HNLP”, “we”, “us”, or “our”). By using our website or accessing any services or resources provided through it, you acknowledge that you have read, understood, and agree to be bound by these Terms.

1. About Us

This website is owned and operated by:

Howard Nowell Life Planning Ltd
Registered in England & Wales No. 14772872
Registered Office: 68 Hillcrest Gardens, Esher, KT10 0BX

HNLP provides educational financial services and life-planning guidance. These services fall under the classification of non-regulated activity according to Section 22 of the Financial Services and Markets Act 2000 and the FCA Handbook PERG 8.26.2, meaning that we do not provide regulated financial advice and we are not authorised or regulated by the Financial Conduct Authority (FCA).

Our activities are governed by general UK consumer protection laws, including the Consumer Protection from Unfair Trading Regulations 2008 and Consumer Protection (Amendment) Regulations 2014. Oversight falls under the jurisdiction of the Competition and Markets Authority (CMA).

Use of our website confirms that you understand and accept our regulatory position.

2. Eligibility

To use our website or services, you must:

Be at least 18 years old or of legal age in your jurisdiction
Have the legal authority to enter into these Terms
Not be prohibited from receiving our services under applicable laws

3. Our Services

Our website provides access to:

Educational financial content
Life-planning resources
Workshops, sessions, or consulting services
Articles, guides, tools, or materials created by HNLP

By purchasing or accessing any service, you confirm that:

You understand HNLP does not provide regulated financial advice
You will read all service descriptions before making any purchasing decision
You enter into a binding agreement when you complete the checkout process (where applicable)

4. Pricing and Payments

Prices for services are displayed on the website and may be updated at any time. We reserve the right to correct pricing errors.

Fees, taxes, and payment schedules (if applicable) are charged to your chosen payment method.

5. Changes to Services

We may modify, suspend, or discontinue any part of the website or services at any time. We may also limit access to features without prior notice.

We may suspend or terminate access for breach of these Terms or for legal or operational reasons.

6. Intellectual Property

All content on the website — including text, graphics, images, logos, videos, tools, and other materials — is the property of Howard Nowell Life Planning Ltd and is protected by intellectual property laws.

Users may not:

Copy
Reproduce
Distribute
Publish
Modify
Create derivative works
Use content for commercial purposes

without prior written permission from HNLP.

7. User-Submitted Content

If you upload or submit content to the website (e.g., documents, comments, materials), you confirm that:

You own the rights to the content or have permission to use it
You grant HNLP permission to display or use the content as necessary to provide the service

8. Indemnification

You agree to indemnify and hold HNLP harmless against any claims, losses, liabilities, or expenses arising out of your misuse of the website or violation of these Terms.

9. Limitation of Liability

To the fullest extent permitted by law, HNLP is not liable for:

Indirect, incidental, or consequential damages
Loss of profits, data, goodwill, or business interruption
Personal injury or property damage resulting from website use
Unauthorised access to data or systems
Errors or inaccuracies in content

Nothing in these Terms limits liability where it cannot legally be limited.

10. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated, but it is your responsibility to review this page periodically.

Continued use of the website constitutes acceptance of updated Terms.

11. Marketing Communications

By providing your contact details, you consent to receiving occasional service updates or promotional materials. You may opt out at any time by contacting us.

12. Governing Law

These Terms are governed exclusively by the laws of England and Wales. Any disputes arising under these Terms shall be resolved in the courts of England and Wales.

13. Contact Details

Howard Nowell Life Planning Ltd
Registered in England & Wales No. 14772872
Registered Office: 68 Hillcrest Gardens, Esher, KT10 0BX
Email: howard@howardnowell.com
Website: www.howardnowell.com