Terms and Conditions

Last updated: 12 July 2026

1. About these terms

These Terms and Conditions apply to:

your use of waynephipps.com;

free articles, videos, calculators, audits, quizzes and resources;

digital products and downloads;

consultations, clarity sessions, mentoring, coaching or other one-to-one services;

group sessions, workshops and programmes;

memberships, communities and member resources;

AI-assisted and interactive tools; and

any other product or service sold or supplied by Wayne Phipps through this website.

Please read these terms before purchasing or using a paid service.

When you place an order, book a service or join a membership, you will be asked to accept these terms. The version in force when your contract is formed will normally apply to that purchase.

Specific information shown on the relevant sales page, booking page, checkout or confirmation email forms part of the contract. If there is a direct conflict, the specific information supplied for that product or service will take priority over these general terms.

Nothing in these terms affects any legal rights that cannot lawfully be excluded or restricted.

2. Business information

This website and the products and services available through it are operated by:

Wayne Phipps
Sole trader
22 Remembrance Avenue
Burnham-on-Crouch
Essex
CM0 8HA
United Kingdom

Email: [email protected]
Website: waynephipps.com

3. Important definitions

In these terms:

Consumer means an individual acting wholly or mainly for purposes outside their trade, business, craft or profession.

Business Customer means a person or organisation purchasing wholly or mainly for business or professional purposes.

Digital Content includes workbooks, guides, templates, videos, recordings, downloads, online resources, member resources and other material supplied digitally.

Services include consultations, clarity sessions, mentoring, coaching, group calls, workshops, programmes, memberships and similar services.

Membership means a recurring or fixed-term arrangement providing ongoing access to resources, community areas, sessions or other benefits.

4. Who may use the website and purchase services

The website, Pressure Audit, products and services are intended for adults aged 18 or over.

By purchasing a product or service, you confirm that:

you are at least 18;

the information you provide is accurate;

you have authority to use the payment method provided; and

where you purchase on behalf of an organisation, you have authority to bind that organisation.

I may refuse an order, booking or membership where:

the service appears unsuitable;

incorrect or misleading information has been supplied;

payment cannot be authorised;

there is suspected fraud or misuse;

capacity is unavailable; or

accepting the order would create a legal, professional or practical conflict.

If payment has already been taken and I refuse the order, the payment will be refunded unless a reasonable deduction is lawfully due for something already supplied.

5. Website content and free resources

The website provides general information, personal experience, educational material and reflective tools concerning topics such as:

work pressure;

career and life direction;

time and lifestyle;

money and minimum viable income;

health and personal experience;

YouTube and content creation;

midlife change; and

decision-making.

Website content and free resources are provided for general information and reflection. They are not individually tailored professional advice.

Although I take reasonable care when preparing content, I do not guarantee that every piece of free content will always be:

complete;

error-free;

appropriate for every person;

continuously available; or

current after laws, technology, prices or circumstances change.

You should obtain appropriate professional advice before making significant medical, legal, financial, pension, investment, employment or tax decisions.

6. Pressure Audit, quizzes and calculators

The 50+ Control and Pressure Audit and any other quiz, assessment or calculator are self-reflection tools.

They are not:

medical or psychological diagnoses;

clinical assessments;

employment assessments;

regulated financial advice;

guarantees that a particular decision is appropriate; or

substitutes for advice from an appropriately qualified professional.

Results are generated from the answers and information supplied by you. Their usefulness depends on the accuracy and completeness of those answers.

A score or result category is intended to help you reflect on your situation. It does not determine whether you should leave employment, change your finances, alter medical treatment or take any other significant action.

Calculators and financial examples use estimates and assumptions. Actual costs, income, tax, pension outcomes and investment results may differ.

7. Nature and limits of consultations and related services

Depending on the particular offer, a service may be described as a consultation, clarity session, mentoring, coaching, structured reflection, YouTube direction session or group discussion.

The relevant sales page will explain what is included.

Unless expressly stated otherwise, these services are not:

therapy or counselling;

medical or psychological treatment;

crisis support;

legal advice;

tax advice;

regulated financial, pension or investment advice;

employment-law advice; or

a promise that a particular outcome will be achieved.

I may help you explore questions, organise information, consider options or identify possible next steps. You remain responsible for:

your decisions;

checking important information;

obtaining specialist advice where appropriate;

deciding whether and how to act; and

any consequences arising from your choices.

Nothing said during a consultation should be interpreted as a personal recommendation to buy, sell, transfer or alter a particular pension, investment or regulated financial product.

Health-related discussion is limited to general information and personal experience. You should not stop medication, disregard medical advice or begin a significant health regimen solely because of website content or a conversation with me.

8. No guaranteed outcomes

I will provide paid services with reasonable care and skill.

However, I do not guarantee:

a particular personal or professional decision;

increased income;

business growth;

YouTube views, subscribers or revenue;

employment or career outcomes;

reduced work pressure;

improved health;

successful membership participation;

results from a workbook or programme; or

that every suggestion will be suitable for your circumstances.

Examples, testimonials and previous outcomes do not guarantee that another person will achieve the same result.

9. How a contract is formed

Product and service descriptions, prices and availability shown on the website are invitations to place an order.

When you submit an order or booking, you are offering to purchase under these terms.

A contract is normally formed when:

payment has been successfully authorised; and

you receive an order, booking or membership confirmation.

An automated acknowledgement does not necessarily mean that an order has been accepted if there is an obvious pricing error, technical error or availability problem.

You will receive confirmation by email or another format that can be saved. You should retain this confirmation and a copy of these terms.

10. Prices and payment

Prices will be shown before you complete your purchase.

Unless otherwise stated:

prices are quoted in pounds sterling;

any applicable taxes will be included or identified before purchase;

payment is due at checkout or booking;

recurring membership payments are taken at the frequency shown at checkout; and

payments may be processed by Stripe or another third-party payment provider.

I do not receive or store your complete payment-card number or card-security code.

You are responsible for ensuring that your billing and contact information remains correct.

I may correct an obvious pricing error before accepting an order. If a contract has already been accepted at an incorrect price, I will contact you and offer the choice of paying the correct price or receiving a refund.

11. Digital products and downloads

Digital products may be delivered by:

download link;

email;

member area;

online account; or

another method described before purchase.

You are responsible for checking that your device, internet connection and software can access the format described on the sales page.

Where a digital product is supplied as a downloadable file, you should download and securely save it. Unless the sales page promises continuing or lifetime access, I am not required to keep a download link available indefinitely.

Purchasing Digital Content gives you a limited, personal, non-exclusive and non-transferable licence to use it for your own lawful purposes.

You must not, without written permission:

share your download or login with another person;

sell, sublicense or redistribute the content;

upload it to another platform;

reproduce substantial sections;

remove copyright or ownership notices;

use it to create a competing product;

train an AI system or dataset using the content; or

use it commercially except where the product expressly permits commercial use.

Updates, new editions and additional material are not included unless the sales page states otherwise.

12. Digital-content cancellation rights

Consumers normally have a 14-day cancellation period for online contracts.

Digital Content may be supplied immediately after purchase.

Before immediate supply begins, you may be asked to:

expressly request immediate access; and

acknowledge that once supply begins, you will lose the statutory right to cancel merely because you have changed your mind.

If you provide that express request and acknowledgement and the download, access or supply begins, the normal 14-day change-of-mind right ends.

If immediate supply has not begun, or the legally required request and acknowledgement were not obtained, your statutory cancellation rights remain unaffected.

Losing the change-of-mind cancellation right does not remove your rights where Digital Content is faulty, inaccessible, not as described, not fit for its stated purpose or not of satisfactory quality.

Where the law requires it, I will provide an appropriate remedy, which may include repair, replacement, repeat access, a price reduction or refund.

13. Consumer cancellation rights for services

Consumers normally have 14 days from the date a service contract is formed to cancel without giving a reason.

To cancel, send a clear statement to [email protected] or use the model cancellation form at the end of these terms.

Starting during the 14-day period

You may ask for a service to begin during the cancellation period, for example where:

a consultation is booked within 14 days;

membership access starts immediately;

a programme begins shortly after purchase; or

resources and services are supplied straight away.

Where required, you will be asked to expressly request early performance.

If you cancel after the service has started following that request, you may have to pay a proportionate amount for the service already supplied.

If the service is fully performed during the 14-day cancellation period, you may lose the cancellation right once it has been completed, provided you expressly requested early performance and acknowledged that the right would be lost on full performance.

Statutory refunds will be made without undue delay and normally within 14 days using the original payment method unless another method is agreed.

14. Consultation bookings, cancellations and rescheduling

The relevant booking page will state:

the price;

duration;

format;

availability;

what is included; and

any preparation required.

Unless a different policy is prominently stated before booking, the following applies after any statutory cooling-off period has expired.

Cancelling or rescheduling with at least 48 hours’ notice

You may:

cancel and receive a refund; or

reschedule once without an additional charge,

provided you give at least 48 hours’ notice before the scheduled start time.

Any further rescheduling may require a new booking or may be treated as a cancellation.

Less than 48 hours’ notice

Where you cancel with less than 48 hours’ notice, I may retain an amount reflecting reasonable administrative costs and the reserved appointment time that could not reasonably be rebooked.

I will not retain an amount that is disproportionate to the loss reasonably caused by the late cancellation.

A late rescheduling request may be permitted at my discretion, particularly in genuine exceptional circumstances.

Failure to attend

If you do not attend and provide no reasonable notice, the appointment will normally be treated as a missed appointment and no refund will normally be due, subject to:

your statutory rights;

whether the slot could reasonably be reused; and

any exceptional circumstances.

Late arrival

A session will normally still finish at its scheduled time if you arrive late. The full session fee remains payable.

If I cancel

If I need to cancel or cannot provide the session, you may choose:

a replacement appointment; or

a full refund of the affected session.

I am not responsible for additional indirect expenses, such as lost earnings or travel costs, unless the law requires otherwise.

15. Technical problems during sessions

Online sessions may depend on internet, software and equipment operated by both parties and by third-party providers.

You are responsible for:

having a suitable device and connection;

joining from an appropriate location;

testing required software;

joining at the agreed time; and

protecting your own privacy.

If a substantial technical failure on my side prevents the service from being delivered, I will offer a reasonable replacement session or refund for the part not supplied.

If a technical failure on your side prevents attendance, I will act reasonably, but the ordinary cancellation and missed-session provisions may apply.

16. Group programmes, workshops and calls

Group services may include live discussions, workshops, programmes, member calls or peer interaction.

The relevant sales page will explain:

the dates or expected schedule;

number and duration of sessions;

included resources;

whether recordings are available;

access period; and

price.

If a minimum number of participants is required and is not reached, I may postpone or cancel the programme. You will be offered a replacement date or a refund.

Missing a live group session does not normally entitle you to a refund where:

the session took place as advertised;

access to a recording or other materials was provided where promised; or

the absence was your decision or responsibility.

If I permanently cancel part of a paid programme and do not provide a reasonable replacement, you will receive an appropriate refund for the part not supplied.

17. Memberships and recurring payments

A membership may be:

monthly;

annual;

fixed-term; or

another billing arrangement clearly described at checkout.

Before joining, you will be shown:

the price;

billing frequency;

minimum term, if any;

what is included;

whether it renews automatically;

how to cancel;

when cancellation takes effect; and

any trial or introductory terms.

Automatic renewal

Where stated at checkout, the membership will renew automatically and the applicable payment will be collected using the saved payment method until cancelled.

You authorise recurring payments when you join.

Cancellation

You may cancel a rolling membership at any time through the cancellation method provided in your account or by emailing [email protected].

Unless the law, checkout information or a specific offer provides otherwise:

cancellation stops future renewal payments;

access continues until the end of the period already paid for; and

no partial refund is normally due for an unused part of that billing period after any statutory cancellation period has expired.

Cancellation will not be made unnecessarily difficult. If you joined online, an online cancellation method will be provided where required.

Trials and introductory offers

Any trial price, free period or introductory offer will state:

how long it lasts;

what payment follows;

when the first full payment will be taken; and

how to cancel before being charged.

Renewal and cooling-off notices

Where required by the law in force at the relevant time, I will provide:

renewal reminders;

cooling-off notices;

end-of-contract notices; and

additional cancellation rights.

Price changes

I may change a membership price for a valid business reason.

For an existing recurring membership, I will normally give at least 30 days’ notice before the new price applies.

You may cancel before the new price takes effect.

A price increase will not be applied retrospectively to a period already paid for.

Changes to membership content

Membership resources, call formats and schedules may develop over time.

I may make reasonable changes to:

content;

call times;

presenters;

software;

resource formats; or

community features.

I will not remove a substantial core part of a paid membership without a valid reason and reasonable notice.

If a material change significantly reduces what you purchased, you may cancel before the change takes effect and may be entitled to an appropriate refund for an unused prepaid period.

Ending a membership service

If I close a membership permanently, I will:

give reasonable notice where practicable;

stop future payments; and

refund any prepaid period that will not be supplied.

18. Member areas and community conduct

You must keep login details secure and must not permit another person to use your account.

When using a community, group call or member area, you must not:

harass, threaten or abuse another person;

discriminate unlawfully;

post illegal, defamatory or deliberately misleading material;

share another participant’s private information;

copy or distribute member discussions without permission;

advertise or solicit without permission;

upload malware or interfere with the platform;

impersonate another person; or

use the community for regulated, medical, legal or financial advice.

I may remove content or suspend access where reasonably necessary to protect members, the service or legal compliance.

For serious misconduct, access may be terminated without notice. Any refund will depend on:

the seriousness of the breach;

the remaining service period;

losses or costs caused; and

applicable consumer law.

19. Group confidentiality

Participants are expected to respect the privacy of other group members.

You must not share:

another participant’s identity;

personal stories;

screenshots;

recordings;

private messages; or

confidential information

outside the group without that person’s permission.

However, I cannot guarantee that every participant will comply. You should avoid disclosing information that you would not want another participant to know.

This is different from the professional confidentiality obligations that may apply to a regulated therapist, doctor, solicitor or financial adviser.

20. Recordings

A consultation, workshop, group call or membership session may occasionally be recorded.

Where recording is planned:

you will be informed beforehand;

the purpose will be explained;

consent will be requested where required; and

access and retention will be handled in accordance with the Privacy Policy.

You must not make your own recording without the prior permission of Wayne Phipps and, in a group setting, the affected participants.

A recording will not be used in advertising, testimonials or public content without separate permission.

21. AI-assisted tools and resources

The website or a membership may include AI-assisted tools, chat systems, prompts or generated responses.

These tools are intended for general reflection, education and organisation of information.

AI-generated material may:

contain mistakes;

misunderstand context;

omit important information;

be incomplete;

reflect limitations or biases in the underlying system; or

become outdated.

You must not treat AI-generated material as medical, legal, financial, employment or other professional advice.

You should independently verify important information and remain responsible for decisions made using an AI-assisted tool.

Do not enter another person’s confidential information or highly sensitive personal information unless you have lawful authority and the tool is clearly intended to receive it.

22. Intellectual property

Unless otherwise stated, the website and its content are owned by or licensed to Wayne Phipps.

This includes:

text;

videos;

scripts;

workbooks;

questionnaires;

audit structures;

scoring explanations;

graphics;

photographs;

recordings;

templates;

methods;

branding;

downloads; and

membership resources.

You may view website content and use purchased material for your own personal purposes.

You may not reproduce, publish, distribute, sell, adapt, translate or commercially exploit substantial content without written permission.

Brief quotations may be used where permitted by law and accompanied by appropriate attribution.

23. Material you submit

You retain ownership of original material you submit, such as:

community posts;

comments;

questions;

feedback; or

uploaded content.

You grant me a limited, non-exclusive licence to store, display and process that material as necessary to operate the service, respond to you, moderate the community and meet legal obligations.

This licence ends when the material is deleted, except where retention is reasonably necessary for backups, legal claims, moderation records or compliance.

I will not use your name, story, testimonial, image or identifiable contribution in public marketing without separate permission.

24. External services and links

The website and services may rely on third parties such as:

GoHighLevel or LeadConnector;

Stripe;

Zoom;

Google;

YouTube;

Zoho;

FreeAgent;

membership platforms;

AI providers; and

website hosting or analytics providers.

Third-party services may have their own terms and privacy policies.

I am not responsible for independent third-party content or services outside my reasonable control. This does not remove responsibility for third parties acting as my subcontractors where the law makes me responsible for their performance.

25. Website and service availability

I aim to keep the website, downloads and member services reasonably available, but uninterrupted access cannot be guaranteed.

Access may be interrupted because of:

maintenance;

updates;

security incidents;

internet or hosting failures;

provider outages;

events outside reasonable control; or

necessary legal or technical changes.

Where a substantial part of a paid service is unavailable, I will take reasonable steps to restore it, provide an alternative, extend access or offer an appropriate refund.

26. Your statutory rights

If you are a Consumer, the Consumer Rights Act 2015 and other applicable consumer laws provide rights that cannot be removed by these terms.

Among other things:

services must be performed with reasonable care and skill;

statements relied upon when purchasing may form part of the contract;

digital content must be of satisfactory quality;

digital content must be fit for any purpose made known and accepted;

digital content must match its description; and

contract terms must be fair and transparent.

Where the law entitles you to repeat performance, repair, replacement, a price reduction, cancellation or refund, these terms do not prevent you from exercising that right.

27. Responsibility and liability

Nothing in these terms excludes or restricts liability for:

death or personal injury caused by negligence;

fraud or fraudulent misrepresentation;

breach of legal rights that cannot be excluded;

failure to perform consumer services with reasonable care and skill;

faulty or misdescribed Digital Content; or

any other liability that cannot lawfully be excluded.

Consumers

If you are a Consumer, I am responsible for reasonably foreseeable loss or damage caused by my breach of contract or failure to use reasonable care and skill.

I am not responsible for loss that:

was not reasonably foreseeable when the contract was formed;

resulted from inaccurate or incomplete information supplied by you;

resulted from your failure to follow reasonable instructions;

was caused by an independent third party outside my reasonable control;

arose from using general information as a substitute for appropriate professional advice; or

is a business loss arising from an item purchased wholly for personal use.

Business Customers

If you are a Business Customer, to the extent permitted by law:

I am not liable for loss of profit, revenue, business, opportunity, goodwill, anticipated savings or indirect loss; and

my total liability relating to a particular product or service will not normally exceed the total amount you paid for that product or service during the preceding 12 months.

These business limitations do not apply where liability cannot lawfully be limited.

28. Events outside reasonable control

I will not be responsible for delay or failure caused by an event outside my reasonable control, including:

serious illness;

natural disasters;

government restrictions;

widespread internet or power failure;

industrial action;

war, terrorism or civil disorder;

major platform failure; or

failure of an essential supplier.

I will take reasonable steps to minimise disruption and will contact affected customers where practicable.

If a paid service cannot be supplied within a reasonable time, you may be entitled to cancel and receive an appropriate refund.

29. Suspension and termination

I may suspend or terminate access where:

payment is overdue;

these terms have been seriously breached;

the service is being misused;

another person’s safety or privacy is at risk;

illegal activity is suspected;

the platform or service is closing; or

continued supply would create legal or regulatory risk.

Where appropriate, I will explain the reason and provide a reasonable opportunity to correct a minor breach.

Termination does not affect rights or obligations that arose before termination.

Any refund will be determined fairly in light of:

what has already been supplied;

the reason for termination;

any losses caused by the breach; and

applicable consumer law.

30. Privacy

Personal information is handled in accordance with the Privacy Policy published on waynephipps.com.

Marketing consent is separate from purchasing a product or service. You may unsubscribe from marketing without losing access to something you have already purchased.

31. Complaints

Please contact me first if you are dissatisfied with a product or service.

Email: [email protected]
Postal address: Wayne Phipps, 22 Remembrance Avenue, Burnham-on-Crouch, Essex, CM0 8HA, United Kingdom

Please include:

your name;

the product or service;

the purchase or booking date;

what went wrong; and

the outcome you are seeking.

I will investigate the complaint and aim to provide a fair response within a reasonable period.

Nothing in this complaints process prevents you from exercising statutory rights or bringing a claim through the courts.

Where an applicable alternative dispute-resolution scheme is required or agreed, I will provide the relevant details.

32. Changes to these terms

I may update these terms to reflect:

legal or regulatory changes;

new products or services;

technology changes;

provider changes; or

reasonable changes to business operation.

Updates will apply to future purchases from the date published.

The terms applying to a completed one-off purchase will not normally be changed retrospectively.

For an active membership or continuing service, a material change will be communicated in advance. Where the change materially disadvantages you, you will have a reasonable opportunity to cancel before it takes effect.

33. Transfer of the business

I may transfer rights and obligations to another person or business as part of a genuine sale, restructuring or transfer of the business.

This will not reduce your legal rights.

You will be notified if the transfer materially affects an active service or membership.

You may not transfer your own contract, account or membership to another person without written permission.

34. Severability

If a court or authority finds part of these terms unlawful or unenforceable, the remaining terms will continue to apply.

35. Delay in enforcing these terms

A delay in enforcing a right does not mean that the right has been waived.

36. Governing law and courts

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

If you are a Consumer resident elsewhere in the United Kingdom, you retain any mandatory protections provided by the law where you live and may normally bring proceedings in the courts of that part of the United Kingdom.

If you are a Business Customer, the courts of England and Wales will have exclusive jurisdiction unless otherwise agreed in writing.

37. Contact

Questions about these terms should be sent to:

Wayne Phipps
22 Remembrance Avenue
Burnham-on-Crouch
Essex
CM0 8HA
United Kingdom

Email: [email protected]
Website: waynephipps.com

Model Cancellation Form

You may use this form to cancel where a statutory cancellation right applies. You do not have to use the form; any clear statement confirming your decision to cancel is sufficient.

To:

Wayne Phipps
22 Remembrance Avenue
Burnham-on-Crouch
Essex
CM0 8HA
United Kingdom
[email protected]

I give notice that I wish to cancel my contract for the following product or service:

Product or service:

Order or booking date:

Customer’s name:

Customer’s address:

Date:

Customer’s signature, only if this form is submitted on paper: