1. Who you are contracting with
This website and The Buy-to-Let Playbook (the "Playbook") are provided by Andy Rowe, trading as The Buy-to-Let Playbook, based in the United Kingdom ("we", "us", "our"). By purchasing, downloading or using the Playbook or this website, you agree to these Terms & Conditions.
If you are purchasing on behalf of an organisation, you confirm you have authority to bind that organisation. If purchasing as an individual, you confirm you are of legal age to form a binding contract.
2. What you are buying
The Playbook is a digital publication in PDF format covering the UK buy-to-let market. It is delivered by download immediately after purchase. A free sample extract is also made available in exchange for an email address.
3. Educational content — not advice
The Playbook is provided for general education and information only. It is not regulated financial, mortgage, tax, legal or investment advice, and it is not a personal recommendation. Property investment carries risk, including the risk of loss. Tax treatment depends on individual circumstances and may change. You should take advice from a suitably qualified and, where relevant, FCA-authorised professional before acting. Any decisions you make remain your own responsibility.
4. Licence to use
On purchase you receive a limited, personal, non-exclusive, non-transferable licence to read and use the Playbook for your own purposes. You may print a copy for personal use.
You may not:
- resell, sublicense, rent, share or redistribute the Playbook in whole or in part;
- upload it to file-sharing services, course platforms or public websites, or circulate it within an organisation beyond the licensed purchaser;
- reproduce substantial extracts, diagrams or artwork in your own commercial or training materials without written permission;
- remove or alter copyright notices, branding or attribution.
Short quotations for review, comment or discussion with clear attribution are permitted.
5. Intellectual property
All text, diagrams, artwork, layout, branding and other content in the Playbook and on this website remain the intellectual property of Andy Rowe and are protected by copyright. No ownership transfers to you on purchase.
6. Acceptable use of this website
You must not use this website or the Playbook:
- for any unlawful, fraudulent or deceptive purpose;
- to send spam, or to submit email addresses you are not entitled to use;
- to infringe the intellectual property rights of any person;
- to interfere with the security or operation of the site, including introducing malware, probing for vulnerabilities, or automated scraping.
7. Accuracy and currency
UK property, tax, lending and tenancy rules change frequently. The Playbook reflects our understanding at the date of publication and is not maintained in real time. We do not warrant that the content is complete, current or error-free, and we do not guarantee that this website will be uninterrupted or fault-free.
8. Payment, delivery and refunds
Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns.
Payment, billing, currency, tax and cancellation mechanics are governed by the Paddle Buyer Terms. Our refund commitment is set out in our Refund Policy.
9. Suspension and termination
We may suspend or terminate your access to the Playbook or this website where there is material breach of these terms, non-payment or a reversed payment, suspected fraud or security risk, or repeated or serious misuse — including unauthorised redistribution.
10. Liability
To the fullest extent permitted by law, all implied warranties, including merchantability and fitness for a particular purpose, are excluded. We are not liable for indirect or consequential loss, including lost profits, lost rental income, lost opportunity, loss of data or loss of goodwill.
Our total aggregate liability arising from the Playbook or this website is limited to the amount you paid in the twelve months preceding the claim. Nothing in these terms excludes liability for fraud, death or personal injury caused by negligence, or any other liability that cannot lawfully be excluded.
11. Indemnity
You agree to indemnify us against claims, losses and costs arising from your unlawful use of the Playbook or website, your breach of these terms, or your unauthorised redistribution of the material.
12. Changes to these terms
We may update these terms from time to time. The version published on this page at the time of your purchase applies to that purchase.
13. Governing law
These terms are governed by the laws of England and Wales, and the courts of England and Wales have exclusive jurisdiction, save where mandatory consumer law in your country of residence provides otherwise.
14. Contact
Questions about these terms: enquiries@andirowe.com.