Legal
Subscriber Terms and Conditions
In these subscriber terms, 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 pay to become a subscriber to our Milk&Money Premium subscription service (Subscriber), subject to these terms.
1. There are other terms that may apply to you
1.1 These subscriber terms must be read together with each of the following:
- (a) our Website Terms of Use;
- (b) our Privacy Policy; and
- (c) our Cookies Policy;
which, together with these subscriber terms, form the contract between a Subscriber and Milk&Money for the provision of the subscription services.
1.2 We may amend these subscriber terms and the services from time to time to reflect changes in relevant laws and regulatory requirements or to make minor technical adjustments and improvements, for example to address a security threat. These are changes that will not affect your use of the services.
1.3 If we need to make more significant changes to the service or these terms, we will notify you in advance and you can then contact us to end the contract before the change takes effect in accordance with section 7.
1.4 Please review the terms regularly to stay informed of any updates or modifications. These terms were most recently updated on [GO-LIVE DATE].
1.5 We may update and change our Website from time to time to reflect changes to our offering, our users’ needs and our business priorities.
2. You accept these terms
2.1 By applying to become a Subscriber, you confirm that you accept these subscriber terms and that you agree to comply with them.
2.2 If you do not agree to these subscriber terms, you must not apply to become a Subscriber.
2.3 We recommend that you print a copy of these terms for future reference.
2.4 If you have any questions or would like to contact us, contact us at catherine@milkandmoney.co.uk.
3. Eligibility
3.1 You may only apply to become a Subscriber if you are a resident in the UK and aged 18 years or over.
3.2 If you are resident in the UK but not in England, then in applying to become a Subscriber, you are confirming that you understand that the tools developed by Milk&Money have been developed with the English taxation system and childcare funding arrangements in mind and have therefore been designed for users residing in England. You understand that the rules in place in the different territories of the UK will vary which will have an impact on the accuracy or relevance of the tools provided.
3.3 In applying to become a Subscriber, you confirm that you are eligible to do so and that you understand the limitations of the tools provided (as described in section 3.2).
4. Subscription Services
4.1 Milk&Money offers different Premium subscription tiers, each offering different benefits and access to different tools. Full details of the Premium subscription tiers can be found on the subscription pages of our Website (Subscription Services).
4.2 Full details of the Subscription Services that you have selected, will be explained to you during the checkout process and you can find this information in your Account.
5. Duration and pricing
5.1 The pricing structure for each tier of Subscription Services can be found on the subscription pages and will be clearly displayed during the checkout process.
5.2 Your membership as a Subscriber will commence on the date that we confirm your initial payment has been successful (Subscription Date) and shall continue for 12 months’ (the Subscription Period), unless and until terminated by either you or Milk&Money as set out in section 7 below.
6. Subscriber Account
6.1 You must treat the log-in details and password for your Account as confidential. You must not disclose it to any third party.
6.2 We have the right to disable any log-in details or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of service.
6.3 If you know or suspect that anyone other than you knows your log-in details or password, you must promptly notify us at support@milkandmoney.co.uk.
6.4 We do not guarantee that our Website, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our Website for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.
7. Termination
7.1 Milk&Money may suspend your subscription, including access to your Account, or cancel your subscription where:
- (a) Milk&Money determines that you are not eligible to be a Subscriber;
- (b) you are in breach of these subscriber terms or any other applicable terms (as set out in section 1).
7.2 Your legal right to change your mind:
- (a) You have 14 days after the Subscription Date to change your mind and cancel (Cooling Off Period). If you use any Premium benefits before the end of the Cooling Off Period, you lose the right to cancel.
- (b) To cancel, email support@milkandmoney.co.uk.
- (c) We will refund you within 14 days of your cancellation request, via the payment method you used.
7.3 Termination by Milk&Money. If we decide to stop providing the Subscription Services, we will give you at least 1 month’s notice and refund any sums paid for a Subscription Period you won’t benefit from.
8. Our responsibility for loss or damage
8.1 We do not exclude or limit our liability to you where it would be unlawful to do so (e.g., death or personal injury caused by negligence or fraud).
8.2 We provide our Website for domestic and private use only. We have no liability for:
- loss of profit, loss of business, or business interruption;
- loss of business opportunity;
8.3 We also accept no liability for:
- (a) results generated by our tools. Content is general information only and not professional advice.
- (b) technical faults, malfunctions, or network/server failures.
- (c) events outside our control (e.g., war, terrorism, pandemics, natural disasters).
- (d) issues you could have avoided by taking reasonable care, e.g., failure to secure passwords, device failures, or ignoring our communications.
9. Data protection
Personal data supplied by a Subscriber will only be processed as set out in Milk&Money’s Privacy Policy.
10. General
10.1 We reserve the right to hold void, cancel, suspend, or amend any provision of services to you where it becomes necessary to do so or where you breach these subscriber terms.
10.2 We can transfer our contract with you to another organisation. We will tell you if this happens, and you can end the contract if you are unhappy.
10.3 You cannot transfer your rights under these subscriber terms or your Account with us to anyone else.
10.4 No person, other than the named Subscriber, has any rights under or to enforce these terms.
10.5 If a court invalidates some of these terms, the rest will still apply.
10.6 Even if we delay enforcing rights, we can still enforce them later.
10.7 If our subscription service is delayed by an event outside our control, we will notify you and take steps to reduce the delay.
10.8 These subscriber terms are governed by English law. You can bring claims against us in the English courts or in Wales, Scotland or Northern Ireland if you live there.