Terms of Service

1. Acceptance of terms

By accessing or using The People's Pocket ("the service"), you agree to these Terms of Service. If you don't agree, please don't use the service. These terms apply to everyone who uses the service.

2. Information only — not advice

Everything we publish is general information and educational content based on publicly available sources. We are not regulated financial advisors, accountants, solicitors or tax agents.

• Nothing on the service constitutes financial, legal, tax or investment advice.
• Grant amounts, eligibility rules, tax credits and entitlements change frequently and vary by individual circumstances.
• You must always verify information with the relevant official body — Revenue.ie, Gov.ie, GOV.UK, HMRC, your local council — before acting.
• Any action you take based on our content is your own responsibility.

3. Accounts

To access certain features you may create an account. You're responsible for keeping your login details secure and for activity under your account. Provide accurate information and keep it up to date. We may suspend accounts that breach these terms.

4. Access & cost

Everything on this site is free. There is no paid tier, no subscription and no card details taken anywhere on the service.

• Some material — The Playbook and its toolkit — asks for an email address to unlock. That is the only thing ever asked for, and it buys nothing: the content behind it is free.
• You can unsubscribe from anything we send at any time, and doing so does not remove access to anything.
• If a paid service is ever introduced these terms will be updated before it launches, and existing free access will not be withdrawn to create it.

5. Stopping

There is nothing to cancel, because there is nothing to pay. To stop hearing from us, use the unsubscribe link on any email or write to us and we will remove your address. To have your details deleted entirely, see the privacy policy.

6. Acceptable use & community

When using the service or our community spaces, you agree not to:

• Post unlawful, abusive, misleading or harmful content.
• Present yourself as a financial advisor or give regulated advice to other members.
• Spam, scrape, or misuse the service or other members' data.
• Infringe anyone's rights or break any applicable law.

We may remove content or suspend access for breaches.

7. Intellectual property

The content, branding and design of The People's Pocket are owned by us or our licensors. You may read and use guides for your own personal benefit, but you may not republish, resell or redistribute our content without permission. Underlying public information (e.g. government grant rules) remains in the public domain.

8. Third-party links

The service links to third-party sites (such as government bodies and comparison services) so you can take action on what you find here. We do not currently run any affiliate links or paid placements. If we ever introduce them, we will disclose them clearly. We're not responsible for the content or practices of third-party sites.

9. Limitation of liability

To the fullest extent permitted by law, The People's Pocket is not liable for any loss arising from your reliance on our content, from missed or rejected grant/credit applications, or from decisions you make. The service is provided "as is" without warranties of accuracy or completeness. Nothing in these terms limits liability that cannot be excluded by law, including your statutory consumer rights.

10. Governing law

These terms are governed by the laws of the Republic of Ireland, and you agree to the non-exclusive jurisdiction of the Irish courts. If you are a consumer in the UK, you retain the benefit of any mandatory protections of the law of your home nation.

11. Contact us

Questions about these terms? Email zak@peoplespocket.com.