Consultancy Terms and Conditions

In these consultancy terms and conditions, we are Milk and Money Ltd, a limited liability company registered in England and Wales under company number 16025795 and have our registered office at 71-75 Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ (Milk&Money, we, us, our). Milk&Money operates the website milkandmoney.co.uk (Website).

You are an individual who has chosen to purchase consultancy services from Milk&Money in relation to optimising childcare funding options (the Services), subject to these consultancy terms and conditions.

1. You accept these terms

1.1 By agreeing to purchase the Services, you confirm that you accept these consultancy terms and conditions and that you agree to comply with them.

1.2 If you do not agree to these consultancy terms and conditions, you must not purchase the Services.

1.3 We recommend that you print a copy of these terms for future reference.

1.4 If you have any questions or would like to contact us, contact us at support@milkandmoney.co.uk.

2. Scope of the Services

2.1 The Services are intended for people residing in England:

• (a) The Services focus on optimising childcare funding options in England. You understand that, amongst other things, the taxation and funding rules in place in different countries will vary and therefore that the Services are designed for people residing in England.

2.2 The provision of the Services does not constitute financial advice:

• (a) The Services focus on optimising childcare funding options and do not constitute financial advice. While the figures provided aim to assist with understanding savings opportunities, it is crucial to verify pension contribution options and seek specific advice regarding financial planning or tax implications.
• (b) All income, tax, pension and childcare costs are estimated based on the information provided to Milk&Money as part of the consultation. We shall not be responsible as a result of any errors in the information you provide us.

3. Eligibility to receive the Services

3.1 You may only purchase the Services if you are aged 18 years or over.

3.2 In agreeing to purchase the Services, you confirm that you are eligible to do so and that you understand the limited scope of the Services provided (as described in section 2).

4. Provision of the Services

4.1 In consideration of the Charges (as defined in section 5), Milk&Money shall provide you with the Services with all reasonable skill and care.

4.2 All consultations are subject to availability and are scheduled on a first-come, first-served basis. You are required to book your consultation with Milk&Money using our online calendar tool, available through the Website. Please note that all appointment requests are subject to manual review and confirmation by Milk&Money; your selected time slot is not guaranteed at the time of booking. Upon completion of your online booking, Milk&Money will use reasonable endeavours to ensure the availability of your selected time slot. You will receive an email confirmation from Milk&Money once your booking has been processed and your consultation is confirmed. While we make every effort to ensure the time slot you have selected is available, Milk&Money reserves the right to reschedule consultations if necessary. Should a rescheduling be required, we will notify you as soon as reasonably practicable and offer alternative consultation options. For the avoidance of doubt, your consultation is not confirmed until you have received our email confirmation following manual review.

4.3 All consultation times and dates will be as confirmed in your email confirmation. It is your responsibility to ensure you are available at the booked time. If you are late to a consultation, Milk&Money is not obliged to extend the duration of the session beyond the scheduled end time.

4.4 As part of the Charges, provided always that you comply with these consultancy terms (and in particular section 12.3), Milk&Money agrees to provide you with a Premium subscription to the Website at no additional cost for 12 months (Subscription Services), provided that your consultation has actually taken place. In this regard, the following additional terms and conditions shall apply to you:

• (a) Our Website Terms of Use, which explains how you can use our Website;
• (b) Our Privacy Policy, which explains how we collect, use and store your personal data.
• (c) Our Cookie Policy, which sets out information about the cookies on our site, and
• (d) Our Subscriber Terms and Conditions.

5. Charges

5.1 The charges for the Services will be clearly displayed during the checkout process (the Charges).

5.2 We charge you for the Charges at the point that you order the Services from us using the Website.

5.3 If we are unable to collect any payment you owe us, we may:

• (a) suspend provision of the Services and/or the Subscription Services; and
• (b) charge interest on the overdue amount at the rate of 4% a year above the Bank of England base rate from time to time. This interest accrues on a daily basis from the due date until the date of actual payment of the overdue amount, whether before or after judgment. You pay us the interest together with any overdue amount.

6. Cancellation of consultations

6.1 The provisions of this section shall always be subject to your legal right to change your mind, as further detailed in section 9.1.

6.2 Should you need to amend or cancel your booking, please provide as much notice as possible and contact us at support@milkandmoney.co.uk.

6.3 Once a consultation has been confirmed, the following cancellation policy shall apply:

• 48 hours’ notice or less – Full consultation fee payable, no refunds will be issued.
• 96 hours’ notice or less (but more than 48 hours’ notice) – 50% of the consultation fee payable, a refund of 50% will be issued.
• More than 96 hours’ notice – No fee chargeable. You may receive a full refund, or, if preferred, rebook for a later date.

6.4 The above policy also applies to rescheduling requests, unless we waive fees due to extenuating circumstances.

6.5 Notice periods are calculated in calendar days and hours from the scheduled consultation start time.

6.6 If you fail to attend a scheduled consultation without providing notice (“no show”), the full fee will be payable and no refund issued.

6.7 If you receive a refund but do not attend a rescheduled consultation, you will lose eligibility for Subscription Services.

7. Delay

7.1 If our supply of the Services is delayed by an event outside our control, we will contact you as soon as possible to let you know and do what we can to reduce the delay. As long as we do this, we won’t compensate you for the delay, but if the delay is likely to be substantial you can contact us to end the contract and receive a refund for any Services you have paid for in advance but not received.

8. Information required from you

8.1 We are reliant on you providing us with the necessary information in order for us to provide the Services to you. We accept no responsibility and disclaim all liability in the event that you do not give us the information we’ve asked for or the information you do provide us is incorrect, incomplete or misleading.

9. Termination

9.1 Your legal right to change your mind.

• (a) You have 14 days after the date you ordered the Services to change your mind and cancel (Cooling Off Period). If you use any of our Services or Premium subscription benefits before the end of the Cooling Off Period, you acknowledge that the Services will be deemed to have been provided and you lose the right to cancel.
• (b) To cancel, please contact us by emailing support@milkandmoney.co.uk.
• (c) We will refund you as soon as possible and within 14 days of your cancellation request, unless you’ve used the service during the Cooling Off Period.

9.2 Termination by Milk&Money. We may terminate the contract if:

• (a) you are not eligible to purchase the Services;
• (b) you breach these terms or any other applicable terms;
• (c) we decide to stop providing the Services. We will provide as much notice as possible and refund any sums paid for Services not received.

10. Our responsibility for loss or damage

10.1 We do not exclude or limit our liability where it would be unlawful to do so (e.g., for death or personal injury caused by negligence or fraud).

10.2 We accept no liability for:

• (a) results generated by our Services and contents of reports. Content is general information only and not advice you should rely on.
• (b) events outside our control (e.g., war, terrorism, pandemics, natural disasters, utility failures).
• (c) incorrect or misleading information you provide.
• (d) something you could have avoided by taking reasonable action.

11. Complaints

11.1 If you think there is something wrong with the service you have received, contact us at support@milkandmoney.co.uk. We will do our best to resolve any problems.

11.2 Your legal rights are summarised by the Consumer Rights Act 2015:

• You can ask us to repeat or fix a service not carried out with reasonable care and skill.
• If no price is agreed upfront, you only pay a reasonable price.
• If no time is agreed, it must be carried out within a reasonable time.

11.3 You can resolve disputes by:

• (a) Contacting us directly.
• (b) Using alternative dispute resolution (e.g., CEDR at cedr.com).
• (c) Going to court (see section 14.8).

12. Intellectual property rights

12.1 All intellectual property rights in or arising out of or in connection with the Services (other than materials provided by you) belong to us.

12.2 We grant you a fully paid-up, worldwide, non-exclusive, royalty-free, perpetual licence to use the Deliverables for personal, non-commercial purposes.

12.3 The rights in 12.2 are personal to you and cannot be sub-licensed or transferred.

12.4 You grant us a licence to copy and modify any materials you provide for the purpose of delivering the Services.

13. Data protection

Personal data supplied by you will only be processed as set out in Milk&Money’s Privacy Policy.

14. General

14.1 We reserve the right to hold void, cancel, suspend, or amend services if necessary or if you breach these terms.

14.2 We can transfer our contract with you to another organisation. You can contact us to end the contract if you are unhappy with this.

14.3 You cannot transfer your rights under these terms to anyone else.

14.4 No person other than the named purchaser of Services has any rights under these terms.

14.5 If a court invalidates some terms, the rest will continue to apply.

14.6 Even if we delay enforcing rights, we can still enforce them later.

14.7 If our Services are delayed by an event outside our control, we will notify you and do our best to reduce the delay.

14.8 These terms are governed by English law. You can bring claims against us in the English courts, or in the courts of Wales, Scotland or Northern Ireland if you live there.