Terms of Sale

1. About these Terms of Sale

1.1 These Terms of Sale ("Terms") apply to any product or service you buy directly from us via our websites. Different terms may apply to products or services bought through third parties (for example, our books are sold by Amazon under Amazon's terms; the VT PEF Global Multi-Asset Fund is sold via authorised platforms under their terms).

1.2 We may update these Terms from time to time. The version that applies to your purchase is the version in force at the time you place your order. Updates do not affect orders already placed.

1.3 These Terms are governed by the laws of England and Wales, and any dispute is subject to the exclusive jurisdiction of the courts of England and Wales (see section 20).

2. About us

2.1 You are contracting with Plain English Finance Limited ("we", "us", "our"), a limited company registered in England and Wales.

2.2 Our registered office is: Stag Gates House, 63/64 The Avenue, Southampton, Hampshire, SO17 1XS.

2.3 Our company registration number is 07503422 and our VAT registration number is GB207040653.

2.4 We are authorised and regulated by the Financial Conduct Authority (FCA). Our Firm Reference Number is 564876.

2.5 You can contact us at [email protected] or in writing at the registered office address above.

3. Which products these Terms cover

3.1 These Terms apply to the following products and services sold directly by us via our websites:

• The Own Your World Mastermind: a paid, cohort-based programme comprising video course content, one-to-one Zoom sessions with Andrew Craig, and access to a members-only community (referred to in these Terms as "the Mastermind");
• PEF Community: a paid subscription to our Discourse-based members' community (referred to in these Terms as "the Community"); and
• any other product or service we may offer for sale directly from our websites from time to time.

3.2 Different sections of these Terms may apply depending on which product you buy. Where a section applies only to a specific product, we make this clear at the start of the section.

3.3 We do not sell books, funds, or investment products directly from our websites. Where our websites contain links to third parties that do sell such products (for example, Amazon for our books, or authorised fund platforms for the VT PEF Global Multi-Asset Fund), your purchase is governed by that third party's terms, not by these Terms of Sale.

4. Affiliate arrangements

4.1 Some pages of our website contain links to third-party providers (for example, on our "Key Resources" page). Where we have an affiliate relationship with a provider, we may receive a commission if you follow the link and go on to buy from or subscribe to that provider.

4.2 Affiliate relationships are disclosed on the relevant page. Any purchase you make via an affiliate link is a purchase from the third party under their terms, not from us. These Terms of Sale do not apply to such purchases.

5. Placing an order

5.1 For the Mastermind: access is by application only. To register your interest, you first join our priority list. We will then invite you to complete an application form. If your application is successful, we will send you an offer to purchase a place, together with the price, payment terms, and any specific joining information. You accept the offer by making payment.

5.2 For the Community: you place your order by completing the checkout process on our website via our payment provider (currently Memberful, with payments processed by Stripe). You may also be offered other payment options (such as PayPal) from time to time.

5.3 By placing an order or completing an application, you confirm that:

• you are aged 18 or over;
• you are resident in the United Kingdom;
• the information you have provided is accurate and complete; and
• you are legally able to enter into a binding contract with us.

5.4 A binding contract is formed between us at the point we confirm your order in writing (usually by email confirming payment has been received and access has been granted). Until that point, we may refuse or decline any order at our discretion.

6. Price and payment

6.1 All prices are shown in pounds sterling (£) and are inclusive of any applicable VAT unless otherwise stated.

6.2 You must pay the full price at the point of placing your order, unless we have separately agreed a payment plan in writing.

6.3 Payment is taken via our authorised payment providers, which may include Stripe, GoHighLevel, PayPal, and (for existing Community subscriptions) Memberful. We do not store your full card details ourselves; card processing is handled by the relevant payment provider under their own security standards.

6.4 If a payment fails or is reversed after your order has been confirmed, we may (at our discretion) suspend or terminate your access until the payment position is corrected.

7. When your access begins

7.1 For the Mastermind: where the video course is available at the time you place your order, access begins as soon as we confirm your payment has been received. Where the course is not yet available, for example where you join a founding cohort in advance of the programme start date, access begins on the date we notify to you, and in any event no later than the programme start date. Your first one-to-one Zoom session will be scheduled via a booking link (currently provided via Calendly) shortly after your access begins.

7.2 For the Community: access to the Discourse community begins as soon as your payment is confirmed and processed by Memberful.

7.3 We aim to make access available immediately in most cases. However, we do not warrant that access will be available within any specific timeframe. If there is a material delay, please contact us at [email protected].

8. Digital content and services: your consent to immediate access

8.1 The Mastermind and the Community include digital content (video course materials, community posts and archives) and services (Zoom sessions with Andrew Craig).

8.2 Where we make the digital content available to you during the 14-day cancellation period, you expressly consent to us doing so, and you acknowledge and agree that you thereby waive your statutory right to cancel the contract in respect of that digital content under regulation 37 of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. This waiver takes effect only at the point the digital content is actually made available to you. If we do not make it available to you during the cancellation period, this waiver does not apply and your statutory right to cancel is unaffected.

8.3 You also expressly request that we begin performing any services included in your purchase (including scheduling and delivering one-to-one Zoom sessions) during the 14-day cancellation period. You acknowledge that if we complete performance of those services during that period, you lose your statutory right to cancel, and that if we have begun but not completed performance you may be charged for what has already been supplied. Where performance of those services has not begun during the cancellation period, your statutory right to cancel is unaffected.

9. Your statutory right to cancel: where it applies

9.1 Subject to your waiver in section 8, you have a statutory right under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 to cancel your purchase within 14 days of the day the contract is formed (the "cooling-off period").

9.2 To exercise your right to cancel, you must tell us clearly (by email to [email protected]) before the end of the 14-day period. You may use the cancellation form set out in Schedule 1 of these Terms, but you are not required to do so.

9.3 If you validly cancel within the cooling-off period AND you have not accessed any digital content or received any of the services (see section 8), we will refund the amount you paid, in full, within 14 days of receiving your notice of cancellation.

9.4 If you have accessed the digital content or begun receiving the services during the cooling-off period, your statutory right to cancel is limited as described in section 8. Please also see the additional contractual right to cancel in section 9.5, which may still apply.

10. Our approach to refunds

10.1 Outside your statutory rights and the contractual right to cancel set out in section 9, and subject to your consumer rights that cannot be excluded under English law, we do not offer refunds on the Mastermind or on other digital or service-based products.

10.2 This is deliberate. The Mastermind is designed for people who are serious about doing the work and getting the outcome, and we would much rather you took the time to be sure it is right for you than joined on impulse.

10.3 Please make sure you have read the description of the Mastermind on our website, and are comfortable with our approach, before you place your order.

10.4 Nothing in this section 10 limits any statutory refund rights you may have under UK consumer law that cannot lawfully be excluded (including, without limitation, rights under the Consumer Rights Act 2015 where the service or digital content is not of satisfactory quality, or does not match its description).

11. Access period, community rules, and conduct

11.1 Mastermind access: unless we tell you otherwise at the point of sale, your access to the Mastermind video course content and the members' community is granted on a lifetime basis, meaning for as long as we continue to operate the Mastermind or the community platform, and subject to sections 11.3 and 17.

11.2 Community subscription: access to the PEF Community is granted on a subscription basis for the period covered by your subscription. Subscriptions renew automatically unless you cancel them via your Memberful account.

11.3 You agree to comply with any community rules, code of conduct, or acceptable use policy we publish from time to time. Broadly, you agree not to:

• share your login credentials, community access, or course materials with anyone else;
• reproduce, distribute, resell, or make available any Mastermind or Community content to any person outside the programme;
• post content that is unlawful, defamatory, harassing, discriminatory, or otherwise inappropriate;
• use the community to promote your own business, sell products, or solicit other members;
• misrepresent yourself, your qualifications, or your affiliation;
• breach any of our community rules or any applicable law.

11.4 Full community rules will be provided to you at the point you join the relevant community.

11.5 The Mastermind is a live programme and its content will develop over time. We may vary the running order, the specific topics covered, and the materials provided, but what you receive will not be materially less than what was described when you placed your order.

12. Non-transferability

12.1 Your access to the Mastermind and any related community is personal to you. You may not transfer, sell, gift, share, or assign your access, your login credentials, or your seat in a cohort to any other person (including a family member, colleague, or business associate) without our prior written consent, which may be withheld at our discretion.

12.2 If we discover that access has been shared or transferred without our consent, we may (at our discretion) suspend or terminate access without refund.

13. Intellectual property and permitted use

13.1 All video content, written materials, downloadable resources, and other content provided as part of the Mastermind or the Community ("Course Materials") are owned by Plain English Finance Limited or licensed to us. All intellectual property rights are reserved.

13.2 You are granted a personal, non-exclusive, non-transferable, revocable licence to access and use the Course Materials for your own private, non-commercial use only, for the duration of your access.

13.3 You may not (except to the extent permitted by law that cannot lawfully be excluded):

• copy, download, screenshot, screen-record, or reproduce the Course Materials, other than for your own personal reference;
• share, distribute, publish, or make available any Course Materials to any third party;
• create derivative works based on the Course Materials;
• use the Course Materials for commercial purposes, including training, coaching, or reselling; or
• remove, alter, or obscure any copyright, trade mark, or other proprietary notices contained in the Course Materials.

13.4 Nothing in these Terms transfers ownership of any intellectual property to you.

14. Confidentiality of one-to-one sessions and community discussions

14.1 Your one-to-one Zoom sessions with Andrew Craig are confidential to you and to us. We will not disclose the content of your sessions to any third party except where legally required to do so, or where you have given us prior written consent.

14.2 Community discussions on our Discourse or Skool platforms are visible to other members of the relevant community. You are expected to treat what is discussed by other members as confidential to the community, and not to share it externally without the express consent of the person whose information it is.

14.3 Nothing in this section 14 creates a legal or fiduciary duty of confidentiality beyond the reasonable expectations set out here. Members are reminded that any information they share in a community setting may be seen or repeated by others notwithstanding these expectations, and should not share information they wish to keep strictly private.

15. Financial education, not financial advice

15.1 The Mastermind, the Community, and any other products or services we sell are provided for financial education purposes only. Nothing we provide constitutes personal financial advice, a personal recommendation, or an inducement to invest in or purchase any specific financial product.

15.2 The value of investments can fall as well as rise, and you may not get back what you invest. Past performance is not a reliable indicator of future results.

15.3 Before making any financial decision, we strongly recommend you take advice from a suitably qualified independent financial adviser who understands your individual circumstances.

15.4 Nothing in these Terms of Sale limits or excludes any duty or liability we owe to you under the Financial Services and Markets Act 2000 (FSMA), the rules of the FCA, or any other applicable regulation. Where the law prevents us from limiting or excluding a duty or liability, we do not attempt to do so.

16. Our right to suspend or terminate your access

16.1 We may suspend or terminate your access to the Mastermind, the Community, or any other product or service (in whole or in part) without refund if you:

• materially breach these Terms of Sale, our community rules, or any applicable law;
• engage in conduct that is disruptive, harmful, or unreasonable towards us, our staff, or other members;
• fail to pay any amount due when required;
• share access with any other person contrary to section 12;
• reproduce, distribute, or misuse Course Materials contrary to section 13; or
• otherwise act in a manner that we reasonably consider brings us or our community into disrepute.

16.2 We will normally give you notice of any suspected breach and an opportunity to respond before we act, but we reserve the right to suspend access immediately where we reasonably believe the seriousness of the breach or the risk to other members requires it.

16.3 Termination under this section 16 does not entitle you to a refund of any amount paid.

17. Availability of the programme

17.1 We aim to keep the Mastermind, the Community, and all related platforms available for the duration of your access. However, we cannot guarantee continuous availability.

17.2 We may suspend, withdraw, restrict, or amend all or part of any product or service at any time, for example for maintenance, updates, or for reasons outside our reasonable control. Where a suspension is planned and material, we will try to give reasonable notice.

17.3 If we permanently discontinue a product or service for which you have paid on a lifetime-access basis and we cannot reasonably provide an equivalent alternative, we will refund you a fair pro-rata portion of any amount paid, taking into account the length of access you have already had and the nature of the product.

18. Limitation of liability

18.1 Nothing in these Terms of Sale excludes or limits our liability for:

• death or personal injury caused by our negligence;
• fraud or fraudulent misrepresentation;
• any duty or liability that cannot be excluded or limited by law, including duties under FSMA and the FCA's rules; or
• any breach of the Consumer Rights Act 2015 that cannot lawfully be excluded.

18.2 Subject to clause 18.1, and to the fullest extent permitted by law:

• we do not warrant that the Course Materials or services will meet your specific requirements, produce any particular result, or be available without interruption;
• we are not liable for any loss or damage arising from your reliance on any content, framework, principle, or example provided as part of the Mastermind, the Community, or any related material. You accept that you are responsible for your own financial decisions and outcomes;
• we are not liable for any indirect, consequential, or special loss, including, without limitation, loss of profits, savings, income, opportunity, business, goodwill, or reputation.

18.3 Subject to clause 18.1, and to the fullest extent permitted by law, our total liability to you in respect of any product or service you have purchased is capped at the amount you paid to us for that specific product or service in the 12 months immediately preceding the event giving rise to the liability.

19. Complaints

19.1 If you have a complaint about any product or service you have purchased from us, please contact us at [email protected] in the first instance. We will acknowledge your complaint within five working days and aim to resolve it within a reasonable period.

19.2 As an FCA-authorised firm, we take our regulatory obligations on complaint handling seriously. Where relevant, we will handle complaints in accordance with the FCA's Dispute Resolution rules (DISP). You may, in certain circumstances, have the right to refer an unresolved complaint to the Financial Ombudsman Service; details will be provided to you if applicable.

20. Governing law and jurisdiction

20.1 These Terms of Sale, and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims), are governed by the laws of England and Wales.

20.2 The courts of England and Wales have exclusive jurisdiction over any dispute or claim arising out of or in connection with these Terms of Sale.

21. General

21.1 If any part of these Terms is found by a court to be unenforceable, the remaining parts will continue to apply.

21.2 A failure or delay by us in enforcing any part of these Terms is not a waiver of our right to enforce it in the future.

21.3 These Terms of Sale, together with the Website Terms of Use, our Privacy Policy, our Cookies Policy, and (where relevant) our User Content Agreement and the specific terms of any product or service you have purchased, form the entire agreement between you and us in relation to your purchase.

21.4 No third party has any rights to enforce these Terms of Sale under the Contracts (Rights of Third Parties) Act 1999.

↑ Back to top

Schedule 1: Model cancellation form

You may use this form to exercise your statutory right to cancel where it applies under section 9. You are not required to use this form; a clear statement by any means is sufficient.

Effective from H2 2026

↑ Back to top