Terms & Conditions | UK Credit Secrets

1. Acceptance of Terms

By accessing the website UKCreditSecrets.co.uk ("Website") or by purchasing the UK Credit Secrets 2026 Playbook & Template Bundle ("Product"), you agree to be legally bound by these Terms and Conditions ("Terms"). If you do not agree with any part of these Terms, you must not use this Website or purchase our products.

2. Description of Digital Products

The Product offered on this Website is an educational digital publication consisting of downloadable instructional PDF manuals and pre-formatted editable Microsoft Word dispute templates designed for personal credit file auditing under UK statutory consumer protection laws.

The Product is delivered electronically via immediate download link following confirmed payment processing.

3. Licence for Personal Use Only

Upon purchase, UK Credit Secrets grants you a single, non-exclusive, non-transferable licence to download, view, edit, and print the templates solely for your own personal, non-commercial use.

Strict Restriction on Resale & Commercial Distribution: You may not resell, sub-licence, distribute, publish online, or use the templates or guides on behalf of commercial third parties or claims management services without explicit written permission from UK Credit Secrets.

4. Pricing & Payment

All prices are stated in British Pounds Sterling (GBP). The current purchase price for the complete 2026 System is £49.99 as a one-time charge. There are no recurring monthly subscription fees or hidden costs.

Payments are securely processed by Stripe. You warrant that you are legally authorized to use the credit/debit card provided during checkout.

5. 60-Day Money-Back Guarantee

We stand behind the quality and legal accuracy of our materials. If you purchase the UK Credit Secrets Playbook, review the materials, and determine within 60 days of purchase that you are not satisfied, you may request a 100% full refund.

To claim your refund, simply email our customer support team at support@ukcreditsecrets.co.uk with your order details and Stripe receipt email. Refunds are processed back to your original payment method within 3 to 5 working days.

6. Educational Nature & Limitation of Liability

The Website and Product provide legal literacy, educational explanations of statutory frameworks, and standard template correspondence. We do NOT provide regulated financial advice, legal representation, or debt management services.

While our templates cite correct statutory provisions, we cannot and do not guarantee specific individual outcomes with third-party lenders, credit reference agencies, or courts, as each dispute depends upon the factual accuracy and historical records of the specific account.

7. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any legal disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

8. Contact Information

For questions regarding these Terms & Conditions, please contact: support@ukcreditsecrets.co.uk.