1. Agreement to Terms

By accessing or using our website, courses, templates, downloadable materials, tools, digital

content, communications or any other products or services we provide (collectively, the

“Services”), you confirm that you have read, understood and agree to be bound by these Terms

and Conditions.

If you do not agree to these Terms, you must discontinue use of the Services immediately.

These Terms apply to all users, including visitors, customers and purchasers of digital content.

2. About Us

Marriage Owl is a trading name of Ashley Dow Ltd.

Email: info@marriageowl.com

3. Service Description

We provide general self-help guidance to assist users in completing personal, compensation,

government and similar types of claims independently.

Our Services may include (but are not limited to):

• Courses and educational materials

• Templates, checklists and worksheets

• Step-by-step guides

• Digital tools and calculators
. Informational emails and resource

• Automatically generated documents or forms based on user input

We do not:

• File or submit claims on your behalf

• Act as your agent, representative or intermediary

• Communicate with third parties on your behalf

• Provide regulated, professional or eligibility assessments

All content is provided for self-completion only.

4. Eligibility Checker & Estimated Refund Figures

The results produced by our eligibility checker are based on the information provided by the

user and publicly available HMRC allowance rules. Where refund, compensation, tax-saving or

similar figures are displayed, these figures are estimates only.

Estimated amounts may:

• Be calculated across multiple tax years

• Assume continuous eligibility over those years

• Reflect potential maximum entitlements

• Not account for individual circumstances, income changes, tax code variations, or HMRC

decisions

Figures shown by the eligibility checker are not a guarantee of the amount you will receive and

do not represent an exact or confirmed refund value. Final claim outcomes and refund

amounts are determined solely by HMRC or the relevant authority.

By using the eligibility checker, you acknowledge that results are provided for guidance

purposes only and should not be relied upon as confirmed entitlement or guaranteed payout.

5. No Professional or Regulated Advice

Our Services do not constitute legal, tax, financial, accounting, regulatory or professional

advice.

We are not:

• A law firm

• A tax advisory service

• A financial institution

• A regulated professional body

All guidance is general in nature and is not tailored to individual circumstances. You remain fully

responsible for your decisions, actions and submissions. You should seek independent

professional advice where appropriate.

6. No Guarantee of Outcomes

We do not guarantee that any claim, application or submission will be:

• Approved

• Successful

• Eligible

• Reviewed

• Processed within a specific timeframe

We do not control or influence decisions made by third parties, including but not limited to

government departments, HMRC, insurers, courts or regulatory bodies.

Use of our Services does not guarantee any outcome.

7. User Responsibilities

By using our Services, you agree that:

• You are solely responsible for preparing, reviewing, completing and submitting your claims

• You must carefully review and verify the accuracy of any documents, forms or materials

generated by us, as they are produced solely based on the information you provide

• You acknowledge that incorrect, incomplete or inaccurate input may result in incorrect outputs

• You will ensure all information submitted to third parties is accurate, complete and up to date

• You will comply with all applicable laws, rules and requirements

• You will not represent our Services as regulated or professional advice

• You will not rely on our materials as a substitute for professional advice

8. Data Protection & Privacy

We process personal data in accordance with applicable data protection laws, including the UK

General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

All personal data collected, stored or processed in connection with the Services is handled in

line with our Privacy Policy, which forms part of these Terms.

By using the Services, you acknowledge that you have read and understood our Privacy Policy

and agree to the processing of your personal data as described therein.

9. Digital Products, Access & Availability

We aim to ensure uninterrupted access to our Services but do not guarantee availability at all

times.

We may modify, suspend or withdraw any part of the Services without notice for operational,

legal or technical reasons.

We are not liable for any interruption, delay or loss of access beyond our reasonable control.

10. Payments & Refund Policy

We strive to ensure your satisfaction with our digital products. Due to the nature of digital

content, all sales are final once the product is accessed or downloaded.

However, we may offer a refund under certain conditions, such as duplicate purchases or

defective products. For full details on our refund policy, including eligibility and how to request a

refund, please refer to our Refund Policy.

11. Intellectual Property

All content, documents, templates, branding, tools, software, text, graphics and materials are

the intellectual property of Ashley Dow Ltd trading as Marriage Owl, unless stated otherwise.

You are granted a limited, personal, non-transferable licence to use materials solely for your

own claim completion.

You must not:

• Copy, reproduce or redistribute content

• Share or resell materials

• Use content commercially

• Present materials as professional or regulated advice

12. Prohibited Use

You must not use the Services to:

• Engage in unlawful, fraudulent or misleading activity

• Misrepresent our role or guarantees

• Imply that we provide regulated advice

• Attempt to reverse engineer or exploit digital tools

• Infringe intellectual property rights

We reserve the right to take appropriate action where misuse is identified.

13. Limitation of Liability

To the fullest extent permitted by UK law, Ashley Dow Ltd trading as Marriage Owl shall not be

liable for:

• Rejected, delayed or unsuccessful claims

• Financial loss or missed compensation

• Errors, omissions or inaccuracies resulting from user-provided information

• Misinterpretation or misuse of materials

• Indirect, incidental or consequential losses

Nothing in these Terms excludes liability for death or personal injury caused by negligence,

fraud or any liability that cannot be excluded by law.

14. Termination

We may suspend or terminate access to the Services without notice if:

• These Terms are breached

• Fraudulent or abusive behaviour is suspected

• Use of the Services poses legal or reputational risk

Termination does not affect accrued rights or obligations.

15. Changes to These Terms

We may update these Terms from time to time. Any changes will take effect immediately once

published on our website.

Continued use of the Services constitutes acceptance of the updated Terms.

16. Governing Law & Jurisdiction

These Terms are governed by and construed in accordance with the laws of England and

Wales.

Any disputes shall be subject to the exclusive jurisdiction of the UK courts.

17. Contact Details

📧 Email: info@marriageowl.com