1. Who we are
Ocubyelyx, 150 Shankly Dr, Morningside, Wishaw ML2 9QZ, United Kingdom. Email [email protected]. Phone +44 7700 018231. When these terms say “we”, they mean Ocubyelyx. When they say “you”, they mean the adult who enrols.
Terms and conditions
The agreement for The Later Life Ledger
These terms are the contract between you and Ocubyelyx for the online course. They were last updated on 28 October 2026. They do not limit rights you have as a consumer that the law says cannot be limited.
2. The course
The Later Life Ledger is a self-paced online retirement planning course. It includes the video lessons, transcripts, worksheets, module checks and the monthly clinic described on the course pages, for twelve months from the access email. We may correct a lesson when a published rate changes. A correction is part of the course, not a new product.
3. What the course is not
We are not authorised by the Financial Conduct Authority. The course is education about published UK rules and about how to read your own paperwork. It is not personal financial advice, a personal recommendation, tax advice, legal advice, or a statement of the benefits your scheme will pay. You remain responsible for decisions you take. Where the law requires regulated advice, including many transfers of safeguarded benefits over £30,000, you must get that advice from an authorised person. We are not that person.
Completing the course does not award a professional qualification and does not authorise you to advise anyone else.
4. Price and payment
The fee is £240, paid once, in pounds sterling. That is the whole price of the twelve-month access described here. We do not add a booking fee. We will tell you the payment method in the enrolment email before you pay. Access is not opened until the fee has cleared, unless we have agreed something else in writing.
5. Cooling off and immediate access
If you are a consumer buying at a distance, you have 14 days from enrolment to cancel, under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, and receive a full refund, provided you have not asked us to start the digital lessons.
If you ask us to open the lessons inside those 14 days, you acknowledge that you lose the cancellation right for the digital content you have asked to receive immediately. The enrolment form and the enrolment email both record that choice. If you do not tick that box, we wait until day 15, or until you write again, before we open the lessons.
If a fault on our side stops you reaching lessons you have paid for, and we cannot fix it within 14 days of you telling us, we will refund the fee. Wanting a different conclusion from a worksheet is not a fault.
6. How you may use the materials
We own the lessons, transcripts, worksheets and the way they are arranged. You receive a personal licence to watch and to use the worksheets for your own household’s planning during the access year, and to keep completed worksheets after that. You may not copy the videos, sell the worksheets, or put the lessons on another site. One other adult in your household may watch with you. The login is not a ticket for a workplace group.
7. Acceptable use
Do not share the login, record the clinic for publication, or use the sessions to seek personal advice after we have said a question has crossed that line. We may suspend access if the login is being passed around. If we suspend for that reason we will write to you and, where the sharing was limited and has stopped, restore access for the rest of the year. We do not keep the fee as a penalty beyond the access already used.
8. Liability
We take care with published figures and we date them. Rules change, and your scheme’s own rules can differ from the general picture. We are not liable for financial loss arising from a decision you make after studying, except where the law does not allow us to exclude that liability.
Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, for fraud, or for any other liability that cannot legally be limited. Where a cap is allowed, our total liability to you in connection with the course is limited to the fee you paid us for it.
9. Complaints
Email [email protected] with the subject “Complaint”. We acknowledge it within three working days and send a full reply within ten working days. If you are still unhappy, Citizens Advice can explain options open to consumers. The Financial Ombudsman Service does not cover this course, because we are not an authorised financial firm.
10. Law
These terms are governed by the law of Scotland. The courts of Scotland have jurisdiction, without removing any right you have to bring a claim in the part of the UK where you live. If a court finds one sentence unenforceable, the rest of the terms stand.