Welcome to ralph-wilson.com (the "Site"), operated by Ralph Wilson ("we", "us", "our"). These Terms of Use ("Terms") govern your access to and use of the Site, including all content, features, book shop, blog, and interactive tools. By accessing or using the Site, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use the Site.
1. Eligibility
The Site is intended for users aged 18 and over in the United Kingdom. By using the Site, you represent that you are at least 18 years old and have the legal capacity to enter into these Terms. Our content targets young adults aged 18-30 seeking financial literacy resources, but access is limited to adults only.
2. Not financial advice
All content on the Site, including blog articles, book descriptions, reviews, checklists, quiz games, and consultation summaries | is provided for general educational and informational purposes only. It does not constitute financial, investment, tax, or legal advice. You should consult a qualified professional before making financial decisions. Past performance of any strategy or product mentioned is not indicative of future results. We are not authorised or regulated by the Financial Conduct Authority (FCA) as a financial adviser.
3. Purchases and orders
When you purchase books or digital products through the Site, you agree to provide accurate billing and delivery information. Prices are displayed in British pounds (£) unless otherwise stated and may change without notice. We reserve the right to refuse or cancel orders in cases of pricing errors, suspected fraud, or stock unavailability. Payment is processed by third-party providers subject to their terms. Physical delivery times are estimates, not guarantees.
Some book links may direct you to external retailers such as Amazon. Those transactions are governed by the external retailer's terms. We may earn affiliate commissions on qualifying purchases, as disclosed on relevant pages.
4. Intellectual property
All content on the Site, text, graphics, logos, layout, and software | is owned by Ralph Wilson or licensed to us and protected by UK and international copyright laws. Book cover images are used under fair dealing for review and retail purposes; respective publishers retain their rights. You may not reproduce, distribute, modify, or create derivative works without our prior written consent, except for personal, non-commercial use such as printing a checklist for your own use.
5. User submissions
When you submit reviews, contact forms, or other content, you grant us a non-exclusive, royalty-free, worldwide licence to use, display, and publish that content in connection with the Site and our marketing, subject to our Privacy Policy. You represent that your submission is original, accurate, and does not violate any third party's rights or applicable law. We may edit or remove submissions at our discretion.
6. Prohibited conduct
You agree not to: use the Site for unlawful purposes; attempt to gain unauthorised access to our systems or data; scrape, crawl, or harvest content automatically without permission; transmit malware or spam; impersonate others; post false or misleading reviews; interfere with other users' enjoyment of the Site; or circumvent security or access controls.
7. Third-party links
The Site may contain links to third-party websites and services. We are not responsible for their content, privacy practices, or availability. Accessing third-party sites is at your own risk and subject to their terms and policies.
8. Disclaimer of warranties
The Site and all content are provided "as is" and "as available" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or harmful components.
9. Limitation of liability
To the fullest extent permitted by applicable law, Ralph Wilson shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising from your use of the Site. Our total liability for any claim shall not exceed the amount you paid us in the twelve months preceding the claim, or £100, whichever is greater. Nothing in these Terms excludes liability for death or personal injury caused by negligence, fraud, or any liability that cannot be excluded under UK law.
10. Indemnification
You agree to indemnify and hold harmless Ralph Wilson, its officers, employees, and partners from any claims, damages, losses, or expenses (including reasonable legal fees) arising from your violation of these Terms or misuse of the Site.
11. Governing law and disputes
These Terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales, without prejudice to your statutory rights as a consumer under UK law, including the right to bring proceedings in the courts of your country of residence if you are a consumer in the European Economic Area or UK.
12. Changes to these Terms
We may revise these Terms at any time. Updated Terms will be posted on this page with a revised "Last updated" date. Material changes may be notified via the Site or email. Continued use after changes constitutes acceptance.
13. Contact us
For questions about these Terms, contact: Ralph Wilson, email: hello@ralph-wilson.com, website: ralph-wilson.com.