Terms of service

Terms of Service

Last updated: 26 September 2026

  1. About us This website and shop (mycardcoach.uk) are run by Miles Jordan, trading as My Card Coach, Canary Wharf Estate, London E14 5AH. Email: enquiries@mycardcoach.uk. In these terms, "we", "us" and "our" mean My Card Coach, and "you" means the person using our website or buying from us.
  2. These terms These terms apply when you use our website and when you buy anything from us. Please read them, together with our Refund Policy and Privacy Policy, before you place an order. Our products are for consumers buying for personal use. You must be 18 or over to buy from us.
  3. What we sell We sell digital downloads: PDF guides and an Excel toolkit about using credit cards, credit files, and loyalty points in the UK.

Our content is general education only. It is not financial, credit, debt, tax or legal advice, and it doesn't take your personal circumstances into account. My Card Coach is not authorised or regulated by the Financial Conduct Authority. We don't arrange credit, and we don't recommend or receive commission for any credit card. Credit is subject to status and affordability, and no one can guarantee you will be accepted for credit or get any particular result. Any decisions you make about credit, points or travel are your own. If you are worried about debt, you can get free help from MoneyHelper, StepChange or National Debtline.

Card offers, fees, earn rates, airline prices and scheme rules change often. Each product shows the date its information was checked. Always check the provider's current terms before you act.

Coach Cal is the My Card Coach presenter character. Our content is written and fact-checked by the My Card Coach team.

  1. Prices and payment Prices are shown in pounds sterling (GBP) and include any VAT that applies. We take payment when you place your order. If we have made an obvious pricing error, we will contact you before your order is fulfilled and you can cancel for a full refund.
  2. Your order Our contract with you starts when we email you to confirm your order. If we can't accept your order, we will tell you and you won't be charged.
  3. Delivery of downloads Your download is available immediately after payment, on the order confirmation page and by email. Download links may expire or be limited to a set number of downloads, so please save your files. If you have any trouble downloading, email us and we will help.
  4. Your right to cancel You normally have 14 days to cancel an online purchase. For digital downloads, you lose this right once the download starts, but only if you asked for immediate access and confirmed you understood you would lose the right to cancel. You do this with the tickbox in your basket before checkout. If you haven't started the download, you can cancel within 14 days for a full refund. See our Refund Policy for details.
  5. If a download is faulty Your legal rights under the Consumer Rights Act 2015 are not affected. Our digital content must be of satisfactory quality, fit for purpose and as described. If it isn't, email us and we will replace it. If we can't fix the problem within a reasonable time, you are entitled to a full or partial refund.
  6. What you can do with our products When you buy a product, we give you a personal, non-transferable licence to download it, and to use and print it for your own personal use. You must not share, copy for others, resell, upload, publish or distribute our products, or use them to create competing products. All content, including text, designs, the My Card Coach name and logo, and the Coach Cal character, belongs to My Card Coach and is protected by copyright and other laws.
  7. Other companies' names We mention card issuers, airlines, loyalty schemes and credit reference agencies to explain how things work. My Card Coach is independent and is not affiliated with, endorsed or sponsored by any of them. All trademarks belong to their owners.
  8. Our responsibility to you If we fail to comply with these terms, we are responsible for loss or damage you suffer that is a foreseeable result of our failure or our negligence. We are not responsible for loss or damage that is not foreseeable. We only supply our products for personal use, so we have no liability to you for any loss of profit, loss of business or business interruption.

If digital content we have supplied damages a device or other digital content belonging to you because we did not use reasonable care and skill, we will either repair the damage or pay you compensation.

Nothing in these terms limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot be limited or excluded by law, including your rights as a consumer.

  1. Using our website We try to keep our website available and accurate, but we don't guarantee it will always be available or error-free. Links to other websites are for information only; we are not responsible for their content. You must not misuse our website, for example by trying to gain unauthorised access or introducing viruses.
  2. Emails and your data If you sign up for our free guide, we will only send you marketing emails if you tick the box to agree, and you can unsubscribe at any time. Our Privacy Policy explains how we use your personal data.
  3. Changes to these terms We may update these terms from time to time. The terms that apply to your order are the ones in force when you placed it.
  4. Complaints and the law If you have a problem, please email enquiries@mycardcoach.uk and we will try to resolve it quickly. These terms are governed by the law of England and Wales. You can bring legal proceedings in the courts of England and Wales. If you live in Scotland or Northern Ireland, you can also bring proceedings in your home country's courts.
  5. Contact us My Card Coach, Canary Wharf Estate, London E14 5AH enquiries@mycardcoach.uk