Effective date: 16/01/2026
These Terms & Conditions (“Terms”) govern your use of the website www.frontlinefutures.co.uk and the purchase of digital products from BRIGHT FUTURE INITIATIVE LTD trading as FRONTLINE FUTURES (“we”, “us”, “our”). By accessing the site or purchasing our products, you agree to these Terms. Users must be 18 years or older.

1. Business information

BRIGHT FUTURE INITIATIVE LTD
128 City Road, London, Greater London, EC1V 2NX
Email: info@frontlinefutures.co.uk
Company registration: 16121317

2. Products

We provide digital information products and educational resources relating to financial matters for NHS employees, including but not limited to redundancy, pensions, retirement planning, benefits and general financial awareness. All content is provided digitally and for information purposes only.

3. Pricing and payment

• All prices are in GBP.
• Payments are processed securely via Stripe.
• No VAT is charged.
• You must ensure your payment details are correct and complete.

4. Delivery

• Digital products are delivered via instant download or electronic access using the email address provided at checkout.

• You are responsible for providing a valid and accessible email address.

• Access issues must be reported within a reasonable time so we can investigate.

5. Refunds and cancellations

• All digital products and services are non refundable once access has been granted, in accordance with the UK Consumer Contracts Regulations 2013.

• Refunds will only be considered where a product is faulty or not delivered, and are issued at our discretion.

6. Use of guides

• All content is for personal use only.
• You may not copy, share, redistribute, or resell any of our content.
• All intellectual property rights in the content, materials, branding and calculations are owned by BRIGHT FUTURE INITIATIVE LTD.

7. Liability and disclaimers

• Our content is provided for general information and educational purposes only.

• Nothing on this website or in our products constitutes regulated financial advice, pension advice, investment advice or personal recommendations.

• We do not provide advice tailored to your individual circumstances.

• You are responsible for any decisions you make based on the information provided.

• We recommend seeking advice from a suitably qualified and regulated financial adviser where appropriate.

• To the fullest extent permitted by law, we accept no liability for losses, decisions or outcomes arising from reliance on our content.

• Our total liability, where liability cannot be excluded by law, is limited to the amount paid for the relevant product or service.

8. NHS affiliation disclaimer
• We are not affiliated with, endorsed by, or acting on behalf of the NHS, NHS England, NHS Trusts or any related public body.
• Any references to the NHS are for informational context only.

9. Cookies and privacy

• Use of our website is subject to our Privacy Policy, which covers cookies, data collection, and marketing communications.

10. Right to update terms

• We reserve the right to update these Terms at any time. Changes take effect immediately and will be posted on this page.

11. Governing law

• These Terms are governed by the laws of England & Wales.
• Any disputes arising from these Terms or your use of our website will be subject to the exclusive jurisdiction of the English courts.

12. Contact

If you have any questions about these Terms, please contact us at:
BRIGHT FUTURE INITIATIVE LTD
128 City Road, London, Greater London, EC1V 2NX
Email: info@frontlinefutures.co.uk