Minimum Viable Income

Minimum Viable Income is a simple question: what is the smallest, honest amount of money that would allow you to live a life that feels workable and non‑anxious, for the season you’re in now?

Not a forever number. Not a social‑media number. Just a calm, present‑tense figure that covers your real costs and a bit of breathing room.

When you have this number, a few things often shift:

  • Work ideas that sounded exciting but fragile can suddenly feel realistic.
  • Projects that only make sense in a much wealthier future become easier to gently put down.
  • You can see the difference between "I can’t afford this" and "I’m choosing not to prioritise this."

If you’d like to look at your own Minimum Viable Income, the Clarity session is one place to do that slowly and without performance pressure.

Noise vs Clarity

A lot of productive, kind people live with a constant background hum of "I should be doing more." This is noise, not guidance.

Clarity, in contrast, is usually quieter and less dramatic. It often sounds like: "This is enough for now." or "That would be nice, but it doesn’t need to happen this year."

One useful question is: if this thought became permanently true, would my life feel more spacious or more cramped?

In Clarity sessions we’re not trying to silence every anxious thought. We’re just trying to tell the difference between useful signals and old, automated noise so your choices can be a little kinder and more deliberate.

Time Drift

Time Drift is what happens when your calendar slowly fills with things you never consciously chose, until your days no longer look like the life you say you want.

No single meeting, obligation, or favour is the problem. It’s the slow tilt. A few degrees off, sustained over months and years.

A gentle way to notice drift is to compare two calendars:

  • Your current, real week.
  • A realistically good week, given your actual responsibilities, that would already feel like a relief.

In Clarity sessions we often map these two weeks side by side and look for the smallest, kindest adjustments that would start to close the gap without pretending your constraints don’t exist.

Privacy Policy

Privacy Policy

Last updated: 12 July 2026

1. Who I am

This website and the services offered through it are operated by Wayne Phipps, a sole trader based in the United Kingdom.

Website: waynephipps.com
Email: [email protected]

For UK data-protection purposes, Wayne Phipps is the data controller responsible for deciding how and why your personal information is used.

This Privacy Policy explains how I collect, use, store and share personal information when you:

visit this website;

complete a form, quiz, survey, audit or suitability check;

join the Over 50 Reset Brief;

download or purchase a digital product;

enquire about, book or attend a consultation, clarity session or group discussion;

join a membership, member area or online community;

use an interactive or AI-assisted tool;

contact me by email, through the website or through a connected platform; or

otherwise interact with my business.

2. The information I may collect

The personal information collected depends on how you use the website and services.

Identity and contact information

This may include:

your first name or full name;

your email address;

your telephone number, if you choose to provide it;

your postal or billing address where required for a purchase;

your account, profile or membership details; and

your communication preferences.

Enquiry and communication information

This may include:

messages submitted through contact forms;

emails and replies;

suitability-check answers;

information you provide when asking about a service;

customer-service communications;

complaints and privacy requests; and

comments, feedback, reviews or testimonials.

Pressure Audit and questionnaire information

When you complete the 50+ Control and Pressure Audit or another questionnaire, I may collect and retain:

your individual answers;

your calculated score;

your result category;

your first name and email address;

the date and source of the submission; and

your consent and email-preference records.

The Pressure Audit is a self-assessment tool. It is not a medical, psychological or diagnostic assessment, and its score is not used to diagnose or infer a medical condition.

Consultation and session information

If you enquire about, book or attend a consultation, clarity session, YouTube direction session, group discussion or similar service, I may collect:

booking and calendar details;

information supplied before the session;

suitability-check answers;

information about your work, business, finances, time, goals, responsibilities or decisions;

notes made during or after the session;

written summaries or agreed actions;

correspondence connected with the service;

attendance information; and

audio or video recordings where recording has been clearly disclosed and agreed.

You are not required to disclose medical information. If you voluntarily provide health or other particularly sensitive information, I will only use it where relevant and lawful.

Where the law requires explicit consent to process special-category information, such as health information, I will request that consent separately or clearly before using that information for the specified purpose.

Purchase and transaction information

This may include:

the product, service or membership purchased;

the amount paid;

the date and status of the transaction;

billing and invoice information;

refund or cancellation information; and

limited payment information supplied to me by the payment processor.

I do not receive or store your complete payment-card number or card-security code. Card payments are processed by the relevant payment provider, such as Stripe.

Membership and community information

If memberships, member areas, courses or communities are offered, I may collect:

login and account information;

membership status and payment history;

profile information;

progress or activity within the member area;

content, questions, posts or messages you choose to submit;

attendance at member or group calls;

support requests; and

your preferences and engagement with membership resources.

Information you post in a shared community or contribute during a group call may be visible or audible to other participants. You should avoid sharing information that you do not want other members to know.

Recordings

Consultations, group calls, workshops or membership sessions may sometimes be recorded.

Where a recording is planned:

you will be told beforehand;

the purpose of the recording will be explained;

consent will be requested where required;

access will be restricted to people who need it; and

the recording will not be published or used as promotional material without separate permission.

Depending on the service, declining to be recorded may mean joining without a camera or microphone, attending an unrecorded alternative, or not taking part in that particular recorded session. Any restriction will be explained before you commit to the service.

Technical and usage information

When you visit the website or open an email, I and my service providers may collect:

your IP address;

browser and device type;

operating system;

approximate location derived from your IP address;

referral source;

pages viewed;

links or buttons clicked;

time spent on pages;

scrolling and navigation activity;

cookie or device identifiers;

email delivery, open and click information;

error and security logs; and

consent and cookie-preference records.

Analytics tools may produce aggregated reports, heatmaps or replay-style records of how visitors navigate the website. These tools are not intentionally used to capture payment-card information, passwords or the contents of sensitive form fields.

Information from other services

I may receive limited personal information from services you use to interact with the business, including:

payment providers;

booking and calendar services;

video-conferencing platforms;

email providers;

social-media and video platforms;

advertising and analytics providers;

membership platforms; and

websites or platforms through which you found or contacted me.

3. How I use your information

I may use personal information to:

provide and operate the website;

deliver the Pressure Audit and calculate your result;

send your requested score explanation and practical next steps;

send the Over 50 Reset Brief where you have agreed to receive it;

provide videos, articles, free tools and digital downloads;

process orders, payments, cancellations and refunds;

administer consultations, sessions, memberships and group activities;

assess whether a service appears suitable;

prepare for and deliver booked services;

send booking confirmations, reminders and service messages;

create requested session summaries;

maintain membership accounts and member access;

operate community and interactive features;

provide AI-assisted tools or responses;

answer enquiries and provide customer support;

understand how the website, emails and services are used;

improve website content, offers and user experience;

measure advertising and promotional performance where permitted;

protect the website and systems from fraud, misuse and security threats;

maintain accurate consent, unsubscribe and suppression records;

manage complaints, disputes and legal claims;

comply with tax, accounting, regulatory and legal obligations; and

protect my rights and the rights of customers and website users.

I do not sell personal information.

I do not use Pressure Audit answers to make decisions that produce legal or similarly significant effects about you.

4. Pressure Audit and Over 50 Reset Brief

The Pressure Audit gives you an automatically calculated result based on the answers you provide.

Where the audit explains that submitting your first name and email will provide an email explanation, practical next steps and the Over 50 Reset Brief, submitting the final card records your request and marketing preference.

The Over 50 Reset Brief may contain:

practical emails about work pressure, time and direction after 50;

reflections and educational content;

links to my videos and articles;

free tools and resources;

information about digital products;

invitations to consultations, memberships or other services; and

occasional commercial or promotional content.

You may unsubscribe at any time by using the unsubscribe link in an email or by contacting me at [email protected].

Unsubscribing will stop future marketing emails, but I may retain a minimal suppression record so that your preference is respected and you are not accidentally added back to the mailing list.

Service emails that are necessary to fulfil a purchase, booking or active membership are separate from marketing emails.

5. AI-assisted and automated tools

The website or future memberships may include questionnaires, chat tools, AI-assisted resources or other interactive features.

Information entered into these tools may be processed:

to generate the response or result you requested;

to maintain the tool and prevent misuse;

to improve the service where this is lawful; and

by technology providers acting on my behalf.

You should not enter highly sensitive, confidential, medical, legal or financial information unless the tool clearly states that it is designed to receive it.

AI-generated responses are provided for reflection and general information. They are not medical, legal, regulated financial or other professional advice.

The Pressure Audit uses automated scoring to calculate a result category. This does not produce a legal or similarly significant decision about you.

I do not currently use solely automated decision-making that has legal or similarly significant effects. If this changes, this policy will be updated and the required information and safeguards will be provided.

6. My lawful bases for using personal information

UK data-protection law requires a lawful basis for each use of personal information.

Depending on the circumstances, I rely on the following bases.

Consent

I may rely on consent for:

the Over 50 Reset Brief and other email marketing;

non-essential cookies and tracking technologies;

consultation or group-call recordings;

testimonials, case studies or promotional use of feedback;

optional profiling or personalisation; and

special-category information where explicit consent is required.

You may withdraw consent at any time. Withdrawal does not affect processing that took place before consent was withdrawn.

Contract and steps before entering a contract

I may process information where necessary to:

answer a request about a paid service;

decide whether a service can be offered;

process a purchase or booking;

deliver a digital product;

provide a consultation, membership or other service;

maintain an account;

administer payment, cancellation or support; and

fulfil my obligations to you.

Legitimate interests

I may rely on legitimate interests where necessary to:

operate and improve the website and free resources;

provide the Pressure Audit and its automated score;

answer ordinary enquiries;

understand use of the website and services;

maintain records of communications;

prevent fraud and protect system security;

manage and defend legal claims;

manage the business efficiently;

maintain unsubscribe and suppression records; and

understand which content and services are useful.

When relying on legitimate interests, I consider whether the use is necessary, proportionate and reasonably expected, and whether your rights override those interests.

Legal obligation

I may process or retain information where required to:

maintain tax and accounting records;

respond to regulators, courts or law-enforcement bodies;

comply with consumer, data-protection or other legal requirements; and

establish or demonstrate legal compliance.

Special-category information

If I deliberately process special-category information, such as information concerning health, I require both an Article 6 lawful basis and an additional condition under Article 9 of the UK GDPR.

Where appropriate, that condition will normally be your explicit consent. In limited circumstances, another lawful condition may apply, such as establishing, exercising or defending legal claims.

7. Cookies and similar technologies

This website may use cookies, pixels, scripts, tags, local storage and similar technologies.

These may include:

Strictly necessary technologies

These are used for functions such as:

website security;

form operation;

login and membership access;

payment and checkout functions;

remembering privacy choices; and

maintaining website sessions.

These technologies may operate without consent where the law permits because the website or service cannot function properly without them.

Analytics and performance technologies

These help me understand:

which pages are visited;

how visitors navigate the website;

whether pages work correctly;

which content attracts interest; and

how the website can be improved.

Providers may include Google Analytics, Microsoft Clarity, Hotjar or similar services.

Advertising and measurement technologies

These may be used to:

measure whether advertising leads to website visits or purchases;

understand the effectiveness of campaigns;

build audiences where permitted; and

show relevant advertising through services such as Google or Meta.

Embedded content

Pages may contain embedded video, audio, scheduling or other content from third-party services, including YouTube and Zoom-related services. Those providers may place or access technologies when you interact with their content.

Non-essential technologies will only be used after the relevant consent is obtained, unless a specific legal exception applies. Where an exception permits limited use without consent, I will provide the information and means of objecting required by law.

You can use the website’s cookie or privacy controls to accept, reject or change your preferences. You may also control cookies through your browser, although blocking necessary cookies may affect website operation.

Withdrawing consent does not remove information already lawfully collected, but it will prevent further non-essential tracking through that browser where technically possible.

8. Marketing communications

I may send marketing emails where:

you have consented;

you have positively requested the Over 50 Reset Brief as part of a clearly described offer; or

the law permits me to contact an existing customer about my own similar products or services and the requirements of the soft opt-in have been met.

Every marketing email will identify me and provide a clear way to unsubscribe.

I may keep records showing:

when and where you subscribed;

the wording shown when you subscribed;

the form, quiz or page used;

the date and time of consent;

your email preferences;

emails sent;

delivery or engagement information; and

any withdrawal of consent or unsubscribe request.

I will not require you to remain subscribed to marketing emails in order to receive a product or service you have already purchased.

9. Who I share information with

I may share personal information with trusted providers where necessary to operate the website and business.

These may include:

GoHighLevel and LeadConnector, for website forms, the Pressure Audit, contact management, email communications, workflows, bookings, memberships and automation;

Stripe, for payment processing;

Zoom, for video consultations, group calls and authorised recordings;

Google services, which may include Google Calendar, Google Analytics, Google Ads, YouTube and related services;

Zoho Mail, for business email;

FreeAgent, for accounting, invoicing and financial administration;

Meta, for social-media services, advertising and campaign measurement where enabled;

Microsoft Clarity, for website analytics and interaction insights where enabled;

Hotjar, for analytics, heatmaps and website-interaction insights where enabled;

website hosting, content-delivery, domain, security and technical-support providers;

membership, course, community or AI technology providers introduced as the services develop;

contractors who assist with website, administrative, technical or customer-support work;

accountants, legal advisers, insurers and other professional advisers;

regulators, tax authorities, law-enforcement bodies, courts or government agencies where required; and

a buyer, successor or adviser involved in a genuine sale, restructuring or transfer of the business, subject to appropriate confidentiality and legal safeguards.

These organisations may act as data processors acting on my instructions or as independent controllers responsible for their own use of information.

I only share information that is reasonably necessary for the relevant purpose.

10. International transfers

Some providers operate or store information outside the United Kingdom, including in the United States and other countries.

Where personal information is transferred outside the UK, I take reasonable steps to ensure that a lawful transfer mechanism and appropriate protections are in place.

Depending on the provider and destination, these protections may include:

UK adequacy regulations;

the UK Extension to the EU-US Data Privacy Framework;

the UK International Data Transfer Agreement;

the UK Addendum to approved EU Standard Contractual Clauses;

contractual, technical and organisational safeguards; and

any required transfer-risk assessment.

You may contact me if you want further information about the safeguards relevant to a particular provider or transfer.

11. How long I retain information

I keep personal information only for as long as reasonably necessary for the purpose for which it was collected, including legal, accounting, security and dispute-resolution requirements.

The normal retention periods are:

Contact enquiries and ordinary correspondence: up to 24 months after the last meaningful contact.

Pressure Audit answers, scores and result categories: up to 24 months after submission.

Suitability forms and substantive consultation or session notes: up to 24 months after the last relevant service or contact.

Consultation, workshop or group-call recordings: normally up to 90 days, unless a longer period was clearly agreed for a specific purpose or retention is required for a dispute or legal obligation.

Booking, purchase, membership, invoice and accounting records: normally six years.

Membership and community account data: for the duration of membership and normally up to 24 months afterwards, unless deletion is requested earlier or longer retention is reasonably required.

Marketing contact information: until you unsubscribe, withdraw consent or the address remains persistently inactive.

Suppression records: for as long as reasonably necessary to ensure that an unsubscribe or objection continues to be respected.

Consent records: while the relevant processing continues and afterwards for as long as reasonably necessary to demonstrate compliance.

Website analytics information: according to the provider’s configured retention settings, normally no longer than 26 months.

Complaints and privacy-rights correspondence: normally up to six years after the matter is closed where required to demonstrate how it was handled.

Information may remain temporarily in encrypted or restricted backups after deletion from active systems. Backup information is deleted or overwritten according to the relevant backup cycle and is not ordinarily restored except for disaster recovery or security purposes.

I may retain information for longer where necessary to comply with the law, investigate fraud, resolve a dispute or establish, exercise or defend a legal claim.

12. Security

I use reasonable technical and organisational measures intended to protect personal information from:

unauthorised access;

accidental loss;

misuse;

alteration;

disclosure; and

destruction.

These measures may include:

reputable service providers;

password and access controls;

multi-factor authentication where available;

restricted access to customer information;

secure payment processors;

software updates;

backups; and

appropriate contractual protections.

No internet transmission or storage system can be guaranteed to be completely secure. You should take reasonable care when sending sensitive information electronically.

13. Your data-protection rights

Depending on the circumstances, you may have the right to:

ask whether I hold personal information about you;

receive a copy of personal information I hold;

correct inaccurate or incomplete information;

request deletion of information;

request restriction of processing;

object to processing based on legitimate interests;

object at any time to direct marketing;

receive certain information in a portable format;

withdraw consent;

ask for information about automated decision-making;

challenge a qualifying solely automated decision;

complain about how your information has been handled; and

complain to the Information Commissioner’s Office.

These rights are not all absolute. In some circumstances, the law permits or requires me to retain information or refuse part of a request.

To exercise a right, email [email protected].

I may ask for reasonable information to verify your identity and understand your request. I will normally respond within one month, although the law allows additional time for particularly complex or numerous requests. If an extension is required, I will explain why.

There is normally no charge for exercising your rights. A reasonable fee may be charged, or a request refused, where the law allows this because a request is manifestly unfounded or excessive.

14. Data-protection complaints

You may raise a complaint about how your personal information has been collected, used, stored, shared or otherwise handled.

Send the complaint to:

Email: [email protected]
Subject line: Data Protection Complaint

Please include enough information to identify:

who you are;

what happened;

the information or activity concerned;

what you believe went wrong; and

what outcome you are seeking.

I will:

acknowledge receipt of a data-protection complaint within 30 days;

make appropriate enquiries without undue delay;

keep you reasonably informed where an investigation is ongoing; and

communicate the outcome without undue delay.

You also have the right to complain to the UK supervisory authority:

Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF

Telephone: 0303 123 1113
Website: ico.org.uk

The ICO may normally expect you to raise the matter with me first so that I have an opportunity to investigate it.

15. Children

The website, Pressure Audit, products, consultations and memberships are intended for adults.

I do not knowingly seek personal information from children under 18. If you believe that a child has supplied personal information without appropriate authority, contact me so that the situation can be reviewed and the information deleted where appropriate.

16. Third-party websites and services

The website may link to websites, social-media pages, videos, payment services, booking systems or other third-party services.

Those organisations are responsible for their own privacy practices when they act as independent controllers. You should read their privacy information before supplying personal information directly to them.

This Privacy Policy does not control how an independent third party uses information collected on its own website or platform.

17. Changes to this Privacy Policy

I may update this Privacy Policy when:

services change;

new products, memberships or technologies are introduced;

providers change;

legal requirements change; or

privacy practices are improved.

The current version will always be published on this page with its latest revision date.

Where a change materially affects an existing use of personal information, I will take reasonable steps to bring it to the attention of affected individuals and obtain fresh consent where the law requires it.

18. Contact

Questions, privacy requests and data-protection complaints should be sent to:

Wayne Phipps
Email: [email protected]
Website: waynephipps.com

Wayne Phipps

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