TERMS AND CONDITIONS

Ashley Dow Ltd trading as Marriage Owl, 13 Oak Green House, Oak Green

Business Park, Cheadle Hulme, Cheadle, England, SK8 6QL

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 resources

● 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. 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.

5. 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.

6. 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 and answers 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

7. 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.

8. 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.

9. Payments & Refund Policy

All prices are displayed in GBP unless stated otherwise.

Digital Content

All digital products, downloads and online course materials are non-refundable once

accessed or downloaded.

By purchasing and accessing digital content, you:

● Acknowledge immediate access

● Agree to waive your 14-day right to cancel under the UK Consumer Contracts

Regulations

No refunds will be issued for:

● Change of mind

● Failure to achieve a desired outcome

● Errors made by the user

10. 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

11. 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.

12. 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.

13. 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.

14. 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.

15. 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.

16. Contact Details

📧 Email: info@marriageowl.com

Terms & Conditions