Last updated: August 2026
These Terms of Sale (hereinafter "the Terms") set out the rights and obligations of the parties in connection with the distance sale of digital resources offered by HELP SENIOR LTD (hereinafter "the Seller") through the website myestatekit.co.uk (hereinafter "the Site").
The Terms form the sole basis of the commercial relationship between the Seller and the Customer. They apply to every order placed on the Site, without restriction or reservation.
These Terms apply to all sales of digital resources made via the Site to consumer customers or business customers resident in the United Kingdom or in any other country from which the Site is accessible.
Placing an order on the Site implies the Customer's full and unreserved acceptance of these Terms. The Customer acknowledges that they have read the Terms before placing an order and that they have accepted them.
The applicable Terms are those in force on the date of the order. The Seller reserves the right to amend them at any time. Amended Terms do not apply to orders previously validated.
The products offered for sale on the Site are exclusively digital resources for informational and educational purposes, delivered in dematerialised form (PDF files, access to web pages, access to an online member area, interactive simulators).
Each product is the subject of a description on the Site setting out its main characteristics, in accordance with the pre-contractual information requirements of the Consumer Contracts Regulations 2013.
The products are provided strictly for informational and educational purposes. They do not in any way constitute personalised legal, tax, financial or estate-planning advice.
Products are offered subject to availability. If a product is unavailable after an order has been validated, the Customer will be informed and may obtain a full refund of the amount paid.
To place an order on the Site, the Customer must be an adult (aged 18 or over) with full legal capacity.
After payment is validated, the Customer receives an order confirmation email at the email address provided. This email constitutes evidence of the contract of sale.
The Seller reserves the right to cancel or refuse any order that appears abnormal, that is placed in bad faith, or that is made using fraudulent means of payment.
The purchase process comprises the following steps:
Product prices are shown in pounds sterling (£), inclusive of any applicable taxes. Any tax applicable depends on the Customer's location.
The Seller reserves the right to change its prices at any time. The prices applicable to an order are those displayed at the time the order is validated.
The Seller may occasionally offer promotions. These offers are not retroactive and do not apply to orders previously placed.
In the event of an obvious pricing error, the Seller reserves the right to cancel the order and the Customer will be refunded in full.
Payment is made online by debit or credit card (Visa, Mastercard, American Express) or by any other payment method offered (PayPal, Apple Pay, etc.).
Payment is due in full and immediately at the time the order is validated.
Financial transactions are secured by a third-party payment provider using SSL/TLS encryption and compliant with PCI-DSS standards. The Seller does not store any bank card data.
If payment is declined, the order is automatically cancelled. The Customer is informed and may place the order again using another payment method.
Digital resources are delivered electronically: by sending an email with a download link, by making the content available in a member area, or by sending a PDF file as an attachment.
Delivery takes place immediately or within minutes of payment confirmation. In the event of a delay of more than 24 hours, the Customer is invited to check their spam folder and, failing that, to contact the Seller.
In the event of difficulty accessing the purchased content, the Customer can contact the Seller at: raphael@myestatekit.co.uk.
Unless otherwise stated on the product description, access to the purchased digital resources is granted without time limit.
The Seller reserves the right to update, supplement or modify the digital resources. Significant updates are made available to existing customers where technically possible.
In the event of a temporary interruption of access to the member area, the Seller undertakes to restore access as soon as possible. Downloadable files (PDFs) remain accessible independently.
The Customer undertakes to use the purchased digital resources for their strictly personal and private use. The purchase grants an individual, non-transferable right of use.
The Customer undertakes to respect the Seller's intellectual property rights in the purchased resources.
The Customer undertakes to provide accurate, complete and up-to-date information when placing their order.
The Customer acknowledges that the purchased resources are informational and educational in nature. They undertake not to use the information in a manner contrary to applicable law.
The Seller undertakes to deliver the purchased digital resources under the conditions and within the time limits set out in these Terms.
The Seller undertakes to provide resources of satisfactory quality, designed with care and rigour, and as accurate and up to date as possible at the time of publication, as required by the Consumer Rights Act 2015.
In accordance with the Consumer Contracts Regulations 2013, the Seller makes available to the Customer, before the order is placed, the essential characteristics of the product, its price, and the payment and delivery terms.
The Seller undertakes to respond to the Customer's requests relating to their order as soon as possible.
The digital resources are provided for informational and educational purposes. They are in no way a substitute for personalised professional advice.
The Customer remains solely responsible for the decisions they make on the basis of the information contained in the resources.
The Seller expressly recommends that the Customer consult a solicitor, a probate professional, a financial adviser or any other qualified professional before making any binding decision.
To the fullest extent permitted by law, the Seller shall not be liable for any indirect, incidental, special or consequential loss. Nothing in these Terms excludes or limits the Seller's liability for death or personal injury caused by negligence, for fraud, or for any other liability that cannot lawfully be excluded.
The Seller's total liability in connection with an order is limited to the amount actually paid by the Customer for the product concerned.
The Seller shall not be liable for any failure to perform resulting from an event beyond its reasonable control (force majeure).
The Seller shall not be liable for technical malfunctions related to the host, the internet network, or the user's device.
Nothing in these Terms affects the statutory rights of a Customer who is a consumer under the Consumer Rights Act 2015, including the right to digital content that is of satisfactory quality, fit for purpose and as described.
All content of the digital resources sold is protected by intellectual property law and remains the exclusive property of HELP SENIOR LTD.
The purchase of a digital resource grants the Customer a personal, non-exclusive, non-transferable and non-assignable right of use.
Any reproduction, distribution, sharing, publication, resale, making available, adaptation, translation, extraction or commercial exploitation of the content is strictly prohibited without the prior written authorisation of the Seller.
Any unauthorised use of the content constitutes an infringement of intellectual property rights actionable under the Copyright, Designs and Patents Act 1988 and applicable law.
In accordance with the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, a consumer has a period of 14 days from the conclusion of the contract to cancel, without giving a reason and without incurring any charge.
Those Regulations allow a trader to disapply that right for digital content not supplied on a tangible medium where performance has begun with the consumer's prior express consent and their acknowledgement that they thereby lose the right to cancel. The Seller does not rely on that exception: the 14-day right to cancel remains available to the Customer, including after the content has been downloaded or viewed.
The Customer may cancel by any clear statement to that effect, in particular by email to raphael@myestatekit.co.uk. The refund is made within 14 days of receipt of the request, using the payment method used for the order.
In practice the Customer does not need to rely on this right: the Seller offers a 30-day money-back guarantee, no questions asked, which is longer and simpler to use. See Clause 17. The Customer is free to choose whichever applies best.
Separately from the statutory right to cancel in Clause 16 and from the statutory rights referred to in Clause 17.5, the Seller offers every consumer Customer a full 30-day money-back guarantee running from the date of purchase.
The guarantee is given unconditionally and with no obligation to give a reason: the Customer does not need to justify the request, complete a form, or delete or return files already downloaded.
The guarantee covers the full amount paid for the order concerned, including the main product and any add-ons or additional products accepted during the same purchase journey.
The Customer simply emails raphael@myestatekit.co.uk within 30 days of purchase, quoting the email address used for the order. No other formality is required.
The refund is issued within 48 to 72 working hours of the request being received, using the payment method used for the original order. How quickly the funds then appear depends on the Customer's bank.
This commercial guarantee is in addition to, and does not replace, the Customer's statutory rights — in particular the rights relating to digital content under the Consumer Rights Act 2015 (digital content must be of satisfactory quality, fit for purpose and as described). The Customer may rely on those statutory rights independently of this guarantee, including after the 30-day period.
The guarantee may be refused in cases of manifest abuse, in particular repeated requests across successive purchases of the same product by the same Customer.
For any question, the Customer can contact the Seller:
Email: raphael@myestatekit.co.uk
The Seller undertakes to acknowledge receipt of any request within a reasonable time and, as a rule, to respond within 48 working hours.
Customer service is available by email Monday to Friday, excluding public holidays.
In connection with processing orders, the Seller collects and processes the Customer's personal data. This processing is carried out in compliance with the UK GDPR and the Data Protection Act 2018.
The arrangements for the collection, processing, storage and protection of personal data are detailed in the Privacy Policy available on the Site.
The Customer has the rights of access, rectification, erasure, objection, restriction and portability provided for by applicable law.
In the event of a dispute, the Customer is invited to contact the Seller first at raphael@myestatekit.co.uk in order to seek an amicable solution.
Before bringing any legal action, the Customer who is a consumer is invited to attempt to resolve the dispute amicably.
Where a dispute cannot be resolved directly, a consumer resident in the United Kingdom may be entitled to refer the dispute to a certified alternative dispute resolution (ADR) provider.
The Seller undertakes to provide the details of a competent ADR provider on request, where applicable.
Participation in ADR is voluntary; nothing in this clause affects the Customer's right to bring proceedings before the courts.
Any ADR request should be made within a reasonable time following the consumer's written complaint to the Seller.
These Terms are governed by and construed in accordance with the laws of England and Wales.
In the event of a dispute, the consumer may bring proceedings before the competent courts of England and Wales, without prejudice to any non-excludable right the consumer may have to bring proceedings in the courts for the place where they are domiciled.
For disputes between businesses, the courts of England and Wales have exclusive jurisdiction.
The Seller reserves the right to amend these Terms at any time.
The Terms applicable to an order are those in force and accepted by the Customer at the time the order is validated.
The version of the Terms in force is accessible at any time on the Site.
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
The fact that the Seller does not enforce any provision of these Terms at a given time shall not be construed as a waiver of its right to enforce it later.