These terms apply when you buy any of our digital products from thegivingledger.co.uk ("we", "us"). By placing an order, you agree to them.
The Giving Ledger Ltd, registered in England & Wales, company number 17457933, registered office at 28 Bells Lonnen, Prudhoe, NE42 5FR. Contact: hello@thegivingledger.co.uk.
We sell two digital products, separately or together as a bundle.
A pack for recording lifetime gifts made out of surplus income, consisting of:
A pack for recording an estate during your lifetime and administering it afterwards, sold in two versions.
The standard kit consists of:
The Inheritance Tax Edition consists of everything above, plus:
All our products are sold as general educational information and record-keeping tools, not as personalised financial, tax, or legal advice, and none of them is a probate service. See the disclaimer below.
Our current prices, inclusive of any applicable VAT:
Payment is due in full at the time of order via Payhip, which processes payments through Stripe. We reserve the right to change our prices at any time; the price you pay is the price shown at checkout when you order. Where you buy the bundle, it is a single order at a single price and is treated as one purchase for the purposes of cancellation and refunds.
If you buy the standard Executor Kit and later find there is an inheritance tax position to deal with — a pension nobody knew about, a higher valuation, a gift that comes to light — you may upgrade to the Inheritance Tax Edition for the difference in price rather than buying it again.
Email hello@thegivingledger.co.uk from the address you used at checkout and we will send you the link. The upgrade is available for as long as both products are on sale at their listed prices; if the prices change, the upgrade is the difference between them at the time you upgrade. Upgrading does not restart your 14-day guarantee on the original purchase, but the upgrade itself carries its own.
Our estate check asks you a small number of questions and suggests one of the two kits. It is an estimate based on the figures you enter and on the main inheritance tax allowances. It is not a tax computation, it cannot account for trusts, business or agricultural property, foreign assets, or a complicated history of gifts, and it does not replace advice. The kit you buy is your choice, and buying the one we suggest is not a representation that it is sufficient for your circumstances.
Both products are delivered digitally and immediately after successful payment: your download links appear on screen as soon as the payment completes, and your receipt is sent to the email address you provide. You are responsible for providing a valid email address and for downloading and storing your own copy — we recommend saving the files somewhere backed up. If you lose access to your files, email hello@thegivingledger.co.uk and we will re-send your download links.
UK inheritance tax rules are changing. From 6 April 2027, most unused pension funds and death benefits are expected to count towards the value of an estate for inheritance tax, and HMRC has indicated it will publish final guidance before that date.
If you buy either version of The Executor Kit, The Gifting Kit, or the bundle, we will send you updated files free of charge each time we revise the parts you hold to reflect:
This applies for at least 24 months from the date of your purchase. Updates are sent by email to the address you used at checkout, so please tell us if it changes. If an update affects a spreadsheet you have already filled in, we will tell you plainly how to carry your own entries across — we will not ask you to start again.
What this promise does not cover: we do not undertake to rewrite the kit for changes that do not affect it, to produce new products, or to continue updating it indefinitely. If we stop maintaining a product we will say so, and the files you already hold remain yours to use.
Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, you normally have 14 days to cancel an order for a full refund. However, because our products are digital content delivered immediately on payment, this cancellation right ends as soon as you download or access the files, provided you have given your express consent to that at checkout and acknowledged that you lose the right to cancel once download begins.
This does not reduce your protection — see our separate 14-day money-back guarantee, which we offer voluntarily and which applies whether or not you've downloaded the files.
When you buy from us, we grant you a personal, non-transferable licence to use the guides, templates, and spreadsheets for your own personal or household purposes. "Household" includes using a single copy jointly with your spouse or civil partner, and giving a completed copy of your own records to the executors of your own estate — that is what the materials are for.
You may not resell, redistribute, publish, or share the unfilled files with anyone outside your own household, or use them to create a competing product.
If you are a firm wishing to brand these materials and issue them to your own clients, that is a separate licence on separate terms and is not granted by buying a consumer copy. Contact graeme@thegivingledger.co.uk.
Our products provide general educational information about UK inheritance tax, estate record-keeping and the administration of an estate. This includes the "normal expenditure out of income" exemption (section 21, Inheritance Tax Act 1984), the nil-rate and residence nil-rate bands and their transfer between spouses, lifetime gifts, and the treatment of unused pension funds and death benefits on death.
It is not personalised financial, tax, or legal advice, and is not a substitute for advice from a solicitor, accountant, or FCA-regulated financial adviser who knows your full circumstances. Tax law can change, and the April 2027 pension rules in particular may be amended before or after they take effect.
We do not guarantee that HMRC will accept any particular gift, claim, allowance or valuation — that depends on your own facts and how well they are documented. Figures produced by our calculators are estimates based on the information you enter and on our understanding of the rules; they are not a tax computation and should not be filed or relied on as one.
If you are acting as an executor or personal representative, you should understand that you may be personally liable for inheritance tax that is underpaid, and for distributing an estate before the tax position is settled. Our materials are intended to help you keep records and understand the process. They do not make us your adviser, they do not relieve you of those duties, and applying for a grant of probate is a reserved legal activity which we do not carry out. If your estate is complex, contested, or you are unsure, take professional advice.
To the fullest extent permitted by law, we accept no liability for losses arising from reliance on our guides, templates, calculators or spreadsheets.
Nothing in these terms limits our liability for death or personal injury caused by negligence, fraud, or anything else that cannot lawfully be limited or excluded.
These terms are governed by the law of England and Wales, and any disputes will be handled by the courts of England and Wales. If you are a consumer living elsewhere in the UK, you may also be able to bring proceedings in your local courts.
Questions about an order: hello@thegivingledger.co.uk.