Nicholas Lee
Making Sense of Money

Website Terms and Conditions

These Terms and Conditions apply to the use of the following Websites and any downloads/information available on them and their Sub Domains (from this point referred to as ‘the Websites’ or ‘these Websites’):

By accessing these Websites, you agree to be bound by these Terms and Conditions. Using these Websites indicate that you accept these terms regardless of whether or not you choose to register with us or order from us. If you do not accept these terms, do not use this website.
The above websites are operated by:

Nicholas Lee

General email: info @ financiallifeplans This email address is being protected from spam bots – please remove the spaces.


1.1 You will be able to access most areas of the Websites without registering your details with us. Certain areas of the Websites may only be open to you if you register.
1.2 We may revise these terms and conditions at any time by updating this posting. You should check this Website from time to time to review the then current terms and conditions, because they are binding on you. Certain provisions of these terms and conditions may be superseded by expressly designated legal notices or terms located on particular pages of the Websites. If you do not wish to accept any new terms and conditions after we have given notice, you should not continue to use the Websites.

2.1 While we endeavor to ensure that the Websites and any downloads/information available from them are available 24 hours a day, we will not be liable if for any reason they are unavailable at any time or for any period.
2.2 Access to the Websites and their downloads may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond our control.


3.1 Any material you transmit or post to the Websites or downloads will be considered non-confidential and non-proprietary. We will have no obligations with respect to such material. We and our nominees will be free to copy, disclose, distribute, incorporate and otherwise use such material and all data, images, sounds, text and other things embodied therein for any and all commercial or non-commercial purposes.
3.2 You are prohibited from posting or transmitting to or from the Websites any material:
(a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience;
(b) for which you have not obtained all necessary licenses and/or approvals;
(c) which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in the UK or any other country in the world; or
(d) which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data).
3.3 You may not misuse the Websites or downloads (including, without limitation, by hacking).
3.4 We will fully co-operate with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of clauses 3.2 or 3.3.


4.1 Links to third party websites on the Websites and downloads are provided solely for your convenience. If you use these links, you leave the Websites. We have not reviewed all of these third party websites/links and do not control and are not responsible for these Websites or their content or availability. We therefore do not endorse or make any representations about them, or any material found there, or any results that may be obtained from using them. If you decide to access any of the third party websites linked to any of the Websites or downloads, you do so entirely at your own risk. 4.2 If you would like to link to any of the Websites, you may only do so on the basis that you link to, but do not replicate, the home page of the Websites, and subject to the following conditions:
(a) you do not remove, distort or otherwise alter the size or appearance of any of the Positive Ground/Positive Ground Radio or other logos;
(b) you do not create a frame or any other browser or border environment around the Websites;
(c) you do not in any way imply that we are endorsing any products or services other than our own;
(d) you do not misrepresent your relationship with us nor present any other false information about us;
(e) you do not otherwise use any Positive Ground trade marks displayed on the Websites without our express written permission;
(f) you do not link from a website that is not owned by you
(g) your website does not contain content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations.
We expressly reserve the right to revoke the right granted in this clause 4.2 for breach of these terms and to take any action we deem appropriate.
4.3 You shall fully indemnify us for any loss or damage we or any of our group companies may suffer or incur as a result of your breach of clause 4.2.


5.1 While we endeavor to ensure that the information on the Websites and downloads is correct, we do not warrant the accuracy and completeness of the material on the Websites or downloads. We may make changes to the material on the Websites or downloads, or to the products and services described in it, at any time without notice. The material/including downloads on the Websites may be out of date, and we make no commitment to update such material.
5.2 The material on the Websites is provided “as is” without any conditions, warranties or other terms of any kind. Accordingly, to the maximum extent permitted by law, we provide you with these Websites on the basis that we exclude all representations, warranties, conditions and other terms (including, without limitation, the conditions implied by law of satisfactory quality, fitness for purpose and the use of reasonable care and skill) which but for these terms and conditions might have effect in relation to these Websites.


6.1 We, any other party (whether or not involved in creating, producing, maintaining or delivering the Websites), and any of our group companies and the officers, directors, employees, shareholders or agents of any of them, exclude all liability and responsibility for any amount or kind of loss or damage that may result to you or a third party (including without limitation, any direct, indirect, punitive or consequential loss or damages, or any loss of income, profits, goodwill, data, contracts, use of money, or loss or damages arising from or connected in any way to business interruption, and whether in tort (including without limitation negligence), contract or otherwise) in connection with the Websites in any way or in connection with the use, inability to use or the results of use of the Websites, any websites linked to the Websites or the material on such websites, including but not limited to loss or damage due to viruses that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing the Websites or your downloading of any material from the Websites or any websites linked to the Websites.
6.2 Nothing in these terms and conditions shall exclude or limit our liability for (i) death or personal injury caused by negligence (as such term is defined by the Unfair Contract Terms Act 1977); (ii) fraud; (iii) misrepresentation as to a fundamental matter; or (iv) any liability which cannot be excluded or limited under applicable law.
6.3 If your use of material on the Websites results in the need for servicing, repair or correction of equipment, software or data, you assume all costs thereof.
6.4 You agree to indemnify us fully, defend and hold us, and our officers, directors, employees and agents, harmless from and against all claims, liability, damages, losses, costs (including reasonable legal fees) arising out of any breach of the terms and conditions by you, or your use of the Websites, or the use by any other person using your registration details.


7.1 These terms and conditions shall be governed by and construed in accordance with English law. Disputes arising in connection with these terms and conditions shall be subject to the exclusive jurisdiction of the English courts.
7.2 We do not warrant that materials/items for sale on the Websites appropriate or available for use outside the United Kingdom. It is prohibited to access the Websites from territories where its contents are illegal or unlawful. If you access the Websites from locations outside the United Kingdom, you do so at your own risk and you are responsible for compliance with local laws.


8.1 You may not assign, sub-license or otherwise transfer any of your rights under these terms and conditions
8.2 If any provision of these terms and conditions is found by any court of competent jurisdiction to be invalid, the invalidity of that provision will not affect the validity of the remaining provisions which shall continue to have full force and effect.
8.3 Only the parties to these terms and conditions may seek to enforce them under the Contracts (Rights of Third Parties) Act 1999

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