WHAT IS WEALTH - TERMS AND CONDITIONS

Last updated 3 October 2024.

  1. Introduction.

    1. About us. Welcome! We are Yes Lillith Ltd trading as What Is Wealth, a company registered in England and Wales under company number 12447337 with our registered office at 129 129 Deansgate, Centurian House, Manchester, England, M3 3WR  (we, us or our). 

    2. About these Terms. These Terms lay out the information you need to know for:

      1. visiting our website at https://www.whatiswealth.io/ (Website),

      2. purchasing and joining our group courses (Course),

      3. purchasing and joining our workshops (Workshop),

      4. purchasing and joining our coaching (Coaching) 

      5. purchase any of our digital products (Products)

(together, the Services).

  1. Your Agreement. By using our Services, you’re agreeing to these Terms. 

  2. Keeping it Fresh. We might tweak these Terms from time to time. Any updates will be posted on our Website and will take effect right away. Keep an eye out for changes—your continued use of our Services means you’re cool with the updates. If not, you’ll need to stop using our Services. 


  1. Disclaimers.

    1. Not Financial Advice. Although Hannah Hudlow is a qualified financial adviser, please note that neither Hannah nor we are regulated by the FCA. The information and guidance provided through our Courses, Workshops, and Coaching (and on our Website) are intended to be general in nature and shouldn’t be construed as personalised financial advice. Investing and trading carry inherent risks, and it's crucial to recognise that our recommendations may not be suitable for everyone. We can’t offer specific advice on which investments or financial decisions are right for you. If you need tailored financial advice or assistance, we strongly encourage you to consult with a FCA-regulated professional who can provide guidance tailored to your individual needs and circumstances. While we may suggest advisers who could assist you, please be aware that we do not endorse or make any warranties about these advisers.

    2. No Guarantees. Our Courses, Workshops, and Coaching aim to provide useful information and educational content. However, we can’t guarantee that the outcomes or results you achieve will meet your expectations or be achieved within any specific time frame. The success of applying any information or strategies provided will depend on various factors beyond our control, such as market conditions and individual circumstances. Therefore, while we strive to offer valuable and accurate content, we cannot be held liable for any decisions made or actions taken based on the information provided.

    3. No Professional Relationship. Engaging with our Services doesn’t create a professional or fiduciary relationship between you and us. The content and interactions are for educational purposes only and shouldn’t be considered a substitute for professional advice or counselling. You should always seek the advice of a qualified professional before making any financial decisions.


  1. Use of the Website.

    1. Updates and Changes. Our Website evolves as we do. We’ll try to give you a heads-up about big changes, but we might adjust things without prior notice.

    2. Availability. Our Website is free, but we can’t guarantee it’ll always be up or running perfectly. We may need to pause or withdraw access for various reasons. We’ll do our best to notify you in advance.

    3. Using Our Content.

      1. We own the rights to everything on our Website. All rights reserved!

      2. You can print or download content for personal use and share it within your organisation.

      3. Don’t alter our content or use images/graphics separately from the text.

      4. Always credit us as the source (unless it’s user-generated content).

      5. Want to use our content for commercial purposes? Get our permission first.

      6. If you breach these Terms, your right to use our Website will end, and you’ll need to return or destroy any copies of our materials.

    4. No  Sneaky Scraping.

      1. No text or data mining or web scraping of our Website or its content, including for AI training or development.

      2. Our Website and its data can’t be used to build or refine AI systems.

      3. This rule applies unless we can’t legally exclude such activities.

    5. Don’t Rely Solely on Our Website. Our Website offers general info and isn’t a substitute for professional advice. Always consult a specialist before acting on anything you find here. We strive to keep our content accurate but don’t guarantee it’s always up-to-date.

    6. Links to Other Sites. We might link to other Websites, but that doesn’t mean we endorse them. We have no control over their content.

    7. Virus-Free Zone. We can’t guarantee our Website is free from bugs or viruses. It’s up to you to protect your own tech.

    8. Keeping It Safe. Don’t mess with our Website. No introducing viruses, attempting unauthorised access, or causing disruptions. Violations could lead to legal action, and we’ll cooperate with law enforcement as needed.



  1. Coaching

    1. Check Our Website. Full details about our Coaching, such as costs and how it works is on our Website.

    2. Sessions. [summary of the sessions, i.e. how does it work, length of time, how many sessions can they buy etc].

    3. Email Support. Between Coaching sessions, you may contact us via email for support. Our response time is typically within 48 hours, though this may vary. We operate a fair use policy for email support. Excessive or unreasonable use may result in a review of the support provided. Should we have any scheduled holidays planned, we’ll notify you in advance and inform you of any adjustments to our response times.

    4. Cancelling and Rescheduling. If you need to cancel or reschedule a session, please provide at least 24 hours' notice. We will try to accommodate rescheduling requests but can’t guarantee availability.


  1. Course.

    1. Check Our Website. Full details about our Course, such as costs and how it works is on our Website.

    2. Course Details. Our Courses are held virtually on Thrivecart, and may also be sent by other platforms, such as Canva and Google Drive. Sessions are recorded and may be made available for your reference post-course. We reserve the right to modify Course content, format, or schedule if necessary. Any significant changes will be communicated to you in advance.

    3. Be Nice. We expect all participants to engage respectfully and professionally. Disruptive or inappropriate behaviour may result in removal from the Course without refund.


  1. Workshop.

    1. Check Our Website. Full details about our Workshop, such as costs and how it works is on our Website.

    2. Workshop Details. Our Workshops are held virtually on Podia. Recordings of the Workshop may be provided for your personal use. We may update or change Workshop content and schedules as needed. Significant changes will be communicated to you in advance.

    3. Be Nice. We expect all participants to engage respectfully and professionally. Disruptive or inappropriate behaviour may result in removal from the Workshop without refund.


  1. Products

    1. Check Our Website. Full details about our Products, including costs and how they work, are available on our Website.

    2. Product Details. Our Products are delivered electronically, allowing you immediate access upon purchase. These Products may include trackers, guides, worksheets, templates, and other resources designed to support your financial education journey. We reserve the right to update or modify the content of our digital products as necessary to enhance their quality or relevance. Any significant changes will be communicated to you in advance.

    3. Usage Rights. By purchasing our Products, you are granted a limited, non-exclusive, non-transferable licence to use the Product for your personal use only. You may not reproduce, distribute, or share the products without our express written permission.

    4. Refunds and Exchanges. As our Products are delivered electronically and immediately, we generally do not offer refunds or exchanges once the Product has been accessed. If you encounter any issues with your purchase, please contact us, and we will do our best to assist you.


  1. Payments.

    1. Payment via our Website. Our fees for our Services are as stated on our Website. Payments for our Services are payable via our Website, and collected by Stripe. All fees are payable upfront, unless we agree a payment plan with you to enable you to stagger the payments. When we do agree to a payment plan with you, you are still bound to pay the full amount and if any sums are overdue, we reserve the right to suspend the Services until you’ve paid in full. 

  2. Consumer Rights.

    1. Cooling-Off Period. As a consumer, you have the right to a 14-day cooling-off period for most of our Services, starting from the day you receive our confirmation email. During this period, you can cancel your purchase without giving a reason and receive a full refund.

    2. Digital Downloads. If you purchase digital content (such as online courses or downloadable materials) and you start accessing or downloading it within the cooling-off period, you acknowledge and agree that you lose your right to cancel and receive a refund once the download has begun.


  1. Intellectual Property.

    1. We’ve poured our hearts and expertise into creating some pretty cool resources for you. When you join our Course, Coaching, or Workshop, you’ll get access to our exclusive goodies like net worth trackers, Excel spreadsheets, video walkthroughs, and guides. Here’s the deal:

      1. Trade mark. ‘What Is Wealth’ is a registered UK trade mark. This means that our brand, as it appears on our Website and in all our materials, is protected under UK intellectual property laws.

      2. Our Creations Are Valuable. All the stuff we share with you—whether it’s our Products, those nifty spreadsheets, insightful guides, or those awesome videos—belongs to us. Think of them like our secret sauce for helping you make smart money moves. We’re happy to share them with you, but they’re for your personal use only.

      3. Keep It Personal. Feel free to use our Products and our resources to learn and grow your financial knowledge. But remember, you can’t share them around or use them for any commercial purposes. No reselling, repackaging, or rebranding our hard work, please!

      4. Respect the Source. When you’re using our Products and materials, just remember to give us a little shout-out. It’s not just polite; it’s a way of acknowledging the effort and passion we put into crafting these resources for you.

      5. No Stealing Our Thunder. We’ve put our all into our Products and these  resources, and we trust you’ll respect that. So, while we’re thrilled to support you, don’t make copies, share, or use our content beyond what we’ve agreed upon.

    2. If you have any questions about how you can use our Products and materials, just give us a shout. We’re here to help you succeed and make sure everything stays cool and respectful.


  1. Confidentiality and Privacy.

    1. Our Promise to Keep Things Private. We get it—your privacy is crucial. When you share information with us, whether it’s about your finances, personal goals, or any other details, you can trust that it’s kept confidential. We’ll only use your information for the purpose of delivering our Services and won’t spill the beans to anyone outside of our team. We’ve got strong safeguards in place to make sure your details stay under wraps.

    2. That GDPR Thing. We understand that your personal data is important, and we’re dedicated to protecting it. From the moment you interact with us, we handle your information with the utmost care and confidentiality. For a detailed look at how we collect, use, and safeguard your personal data, check out our privacy and cookies policy available on our Website. This policy provides comprehensive information about our data practices and your rights.


  1. Termination.

    1. By You. You can terminate your access to any of our Services at any time by notifying us in writing. Depending on the Service and the timing of your termination, you may be entitled to a refund.

    2. By Us. We reserve the right to terminate or suspend your access to our Services if you breach these Terms, or if we determine that you are using our Services in a way that is not compliant with our policies. If we terminate your access for reasons other than a breach of these Terms, you may be entitled to a partial refund at our sole discretion.


  1. Limitation of liability.

    1. For All Users. 

      1. We’re not able to exclude or limit our liability where it’s not allowed by law. This means we’re still responsible for things like death or personal injury caused by our mistakes or those of our team, as well as fraud or misleading information.

      2. If we supply any products, different terms and conditions will apply, and we’ll make sure to outline those separately.

    2. For Business Users.

      1. We’re not responsible for any implied conditions, warranties, or terms that might apply to our Website or its content.

      2. We won’t be liable for any loss or damage, whether in contract, tort (including negligence), or otherwise, even if we could have foreseen it, that arises from:

        1. your use of, or inability to use, our Website; or

        2. relying on any content displayed on our Website.

      3. Specifically, we’re not liable for:

        1. loss of profits, sales, business, or revenue;

        2. business interruption;

        3. loss of anticipated savings;

        4. loss of business opportunity, goodwill, or reputation; or

        5. any indirect or consequential loss or damage.

    3. For Consumer Users.

      1. Our Website is for personal use only. If you’re using it for business purposes, we’re not responsible for any loss of profit or business interruptions.

      2. If our digital content damages your device or other digital content due to our lack of care, we’ll either fix the damage or offer you compensation.


  1. General Legal Terms.

    1. No Waiver. Just because we don’t act on a right we have under these Terms right away, doesn’t mean we’ve given it up. Similarly, if we let a breach slide once, it doesn’t mean we won’t address it next time, or for other breaches.

    2. Severance. If any part of these Terms is found to be unlawful or unenforceable, that part will be removed. The rest of the Terms will still be valid and apply.

    3. Entire Agreement. These Terms, along with any documents specifically mentioned, make up our entire agreement with you. They replace any previous agreements or understandings we might have had.

    4. Third Party Rights. Only you and we have rights under these Terms. No one else can make claims or benefit from them.

    5. Applicable Law. These Terms, and any legal issues arising from them, will be governed by the laws of England and Wales. Any disputes will be handled exclusively in the courts of England and Wales.