Terms & Conditions

Last updated: 15 September 2026

These Terms & Conditions govern your use of AdamRance.com and the content and services made available through the website.

By using this website, you agree to these Terms & Conditions.

If you do not agree, please discontinue use of the website.

1. About AdamRance.com

AdamRance.com is operated by Adam Rance and provides educational content relating to personal finance, money management, investing, financial independence, income and related subjects.

2. Educational Purposes

Content provided through AdamRance.com, including articles, books, guides, worksheets, calculators, emails, videos and downloadable resources, is intended for general educational and informational purposes.

It does not constitute personalised financial, investment, tax, pension, mortgage or legal advice.

Please read the separate Disclaimer for further information.

3. Use of the Website

You may use AdamRance.com for lawful personal purposes.

You must not:

• Use the website for unlawful or fraudulent purposes

• Attempt to interfere with the security or operation of the website

• Attempt to gain unauthorised access to website systems

• Copy or commercially exploit protected content without permission

• Redistribute paid products without authorisation

• Misrepresent Adam Rance's content as your own

4. Intellectual Property

Unless otherwise stated, original content published on AdamRance.com, including written material, branding, graphics, downloadable guides, worksheets, books and other original resources, is owned by or licensed to Adam Rance and is protected by applicable intellectual property laws.

Purchasing or downloading a product does not transfer ownership of the intellectual property.

Unless expressly stated otherwise, products and downloads are licensed for your personal, non-commercial use only.

You may print copies for your own personal use where appropriate.

You may not reproduce, resell, redistribute, upload, share or commercially exploit the content without prior written permission.

5. Products and Digital Content

AdamRance.com may promote or provide access to books, guides, worksheets, courses and other products.

Some products may be purchased or delivered through third-party services or marketplaces.

Additional terms imposed by those platforms may apply to your purchase.

Product descriptions, availability and prices may change.

Nothing in these Terms affects any statutory rights that cannot lawfully be excluded or restricted.

6. Payments

Where payment is processed by a third-party platform, payment information is handled by that provider according to its own terms and privacy practices.

AdamRance.com is not responsible for failures or interruptions caused by third-party payment systems outside our reasonable control.

7. Refunds and Cancellations

Refund and cancellation rights may depend on the product purchased, how it was supplied, the platform through which it was purchased and applicable consumer law.

Where a product is purchased through a third-party marketplace or platform, that provider's applicable refund and cancellation procedures may apply.

Nothing in these Terms is intended to remove or restrict consumer rights that cannot legally be excluded.

Any additional refund conditions applying to a product should be displayed at or before purchase.

8. No Guaranteed Results

Books, guides, worksheets, calculators, courses and other materials are educational resources.

We do not guarantee any particular financial, investment, income, savings, debt-reduction, business or other result from using them.

Results depend on individual circumstances and numerous factors outside our control.

9. Accuracy and Availability

Reasonable efforts are made to provide useful and accurate information.

However, we do not guarantee that all content will always be complete, error-free, current or suitable for your individual circumstances.

Financial rules, laws, tax treatment, allowances, rates and third-party products may change.

We may update, remove or modify website content without notice.

10. Third-Party Links and Services

AdamRance.com may contain links to third-party websites, platforms, products or services.

We do not control those third parties and are not responsible for their content, availability, security, policies or actions.

Your use of third-party services is subject to the relevant provider's own terms.

11. Affiliate Links and Advertising

Some content may contain affiliate links or sponsored relationships.

We may receive compensation when users purchase or register through certain links.

Please read our Affiliate Disclosure for further information.

12. Limitation of Liability

Nothing in these Terms excludes or limits liability where doing so would be unlawful.

To the fullest extent permitted by applicable law, Adam Rance will not be liable for losses arising solely from reliance on general educational information provided through AdamRance.com where such information was not provided as personalised professional advice.

You remain responsible for evaluating information and making your own financial and purchasing decisions.

Nothing in this section affects statutory consumer rights.

13. Indemnity

To the extent permitted by law, you agree not to hold Adam Rance responsible for claims arising from your unlawful misuse of the website or infringement of another person's rights.

14. Privacy

Your use of AdamRance.com is also subject to our Privacy Policy, which explains how personal information may be processed.

15. Changes to These Terms

These Terms may be amended periodically.

The current version will be displayed on this page with the date it was last updated.

Continued use of the website following an update means the updated Terms will apply to future use, subject to applicable law.

16. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue to apply.

17. Governing Law

These Terms are governed by the laws of England and Wales.

Nothing in this provision deprives a consumer of any mandatory protections or rights they are entitled to under applicable consumer law.

18. Contact

If you have questions about these Terms & Conditions, please contact us through the Contact page on AdamRance.com.

Adam Rance
AdamRance.com