Terms of Service
The Money Picture — Terms of Service Last updated: March 2026
Who this agreement is with
These terms govern your use of The Money Picture service, operated by John Wallace, a sole trader based in the United Kingdom. By booking a session or making payment, you confirm that you have read and accepted these terms.
If you have any questions before booking, contact me at hello@themoneypicture.co.uk.
What the service includes
The Money Picture is a one-off financial clarity service. A single session includes:
Collection and secure handling of up to three months of bank and credit card statements, covering the accounts you choose to include. A personalised Excel dashboard built from your transaction data. A 90-minute video session in which we walk through your financial picture together. A copy of your dashboard to keep after the session.
The service is designed to give you a clear view of your personal finances. It does not include regulated financial advice of any kind. See the section below on the scope of the service for full details.
What the service does not include
The Money Picture is not a regulated financial advice business and is not authorised or regulated by the Financial Conduct Authority (FCA).
The service does not include investment advice, pension planning, mortgage advice, debt management guidance, tax advice, or retirement planning. Nothing discussed in your session should be taken as a recommendation to buy, sell, or change any financial product.
If you require regulated financial advice, I am happy to point you toward appropriate resources after your session, but arranging that is your responsibility.
Booking and payment
Sessions are confirmed once payment has been received in full. Payment details will be provided following your introductory call.
The session fee is £250. This covers everything described under "What the service includes" above. There are no additional charges unless you request something outside the scope of the service, in which case this will be agreed in writing before any additional work begins.
Cancellation and refunds
If you cancel before I have begun analysing your statements, you are entitled to a full refund.
If you cancel after analysis has begun but before the session takes place, a partial refund of £100 will be issued to reflect the work already completed.
If you cancel on the day of the session or do not attend without prior notice, no refund will be issued.
If I need to cancel or reschedule for any reason, I will give you as much notice as possible and offer a full refund or a rescheduled session at your choice.
Refund requests should be sent to hello@themoneypicture.co.uk.
Rescheduling
You may reschedule your session up to 48 hours before the agreed time without any charge. Requests to reschedule within 48 hours of the session will be accommodated where possible, but cannot be guaranteed.
Your responsibilities
To get the most from the service, you agree to:
Provide accurate and complete statements for the accounts you want included. Upload your documents via the secure link provided rather than sending them by email. Attend the session at the agreed time, or give reasonable notice if you need to reschedule. Engage with the service for personal, non-commercial purposes only.
The accuracy of the analysis depends on the completeness of the data you provide. If statements are missing, incomplete, or cover an unrepresentative period, this will affect the output and I cannot be held responsible for gaps in the picture.
Confidentiality
I treat your financial information with complete discretion. Your data will not be shared with any third party and will be deleted within 14 days of your session. Full details of how your data is handled are set out in the Privacy Policy at https://www.themoneypicture.co.uk/Privacy-policy.
Intellectual property
The Excel dashboard I produce is built for your personal use. You are welcome to use, adapt, and share it as you see fit. The underlying template, methodology, and structure remain my intellectual property. You may not reproduce or resell the format commercially without my written permission.
Limitation of liability
The financial clarity I provide is based on your transaction data and is intended to help you understand your situation more clearly. It is not a substitute for professional financial advice.
I am not liable for any financial decisions you make following your session, any loss or damage arising from the use of your dashboard, or any inaccuracies in the analysis resulting from incomplete or inaccurate data provided by you.
My total liability to you in connection with the service will not exceed the amount you paid for the session.
Nothing in these terms limits liability for fraud, death, or personal injury caused by negligence, as these cannot be excluded under Scots law.
Governing law
These terms are governed by the laws of Scotland. Any disputes will be subject to the exclusive jurisdiction of the Scottish courts.
Changes to these terms
I may update these terms from time to time. The version in place at the time of your booking is the version that applies to your session. Any significant changes will be reflected in the "last updated" date at the top of this page.