Terms and Conditions

Last updated: 20 February 2026

1. About us

This website www.navigatingreality.co.uk is operated by Joanne Walmsley trading as Navigating Reality (“we”, “us”, “our”), a sole trader based in England.

Contact email: support@navigatingreality.co.uk

These Terms apply to the use of our website and the purchase of any digital products or services.

2. Nature of our services

Navigating Reality provides educational tools, structured guidance materials and digital resources relating to NHS Continuing Healthcare (CHC) and care funding processes.

Our materials are designed to support understanding and preparation.

They do not constitute:

Legal advice
Medical advice
Regulated financial advice
Representation services

You remain responsible for decisions made based on the use of our materials.

3. Eligibility to purchase

By purchasing from this website, you confirm that:

You are at least 18 years old
You have authority to provide any personal information submitted
You are purchasing for lawful purposes

4. Digital products

All products are digital downloads or digital access products.

No physical goods are supplied.

Access details will be provided electronically following successful payment.

5. Payment

Payments are processed securely via third-party payment providers.

We do not store full payment card details.

Prices are displayed in GBP.

We reserve the right to change pricing at any time, but changes will not affect completed purchases.

6. Refund policy (Digital content)

Under the Consumer Contracts Regulations 2013, digital content supplied immediately after purchase is not subject to the standard 14-day cooling-off period once downloading or access has begun.

By purchasing digital products, you agree that:

Delivery begins immediately, and
You waive your right to cancel once access has been provided.

If you experience technical access issues, please contact us at support@navigatingreality.co.uk and we will assist.

Refunds are not provided simply because eligibility outcomes differ from expectations.

7. Intellectual property

All content, materials, frameworks, wording structures and downloadable resources remain the intellectual property of Navigating Reality.

You may:

Use materials for personal use
Use materials to support your own family situation

You may not:

Share, distribute or resell materials
Upload materials to public forums
Reproduce content for commercial purposes

8. Limitation of liability

To the fullest extent permitted by law:

We are not liable for indirect or consequential loss
We are not responsible for decisions made by NHS bodies or Local Authorities
We do not guarantee any particular funding outcome

Nothing in these Terms excludes liability for death, personal injury, fraud, or any liability that cannot legally be excluded.

9. Website availability

We do not guarantee uninterrupted access to the website or digital tools.

We may update, modify or withdraw content at any time.

10. Privacy

Your use of this website is also governed by our Privacy Policy.

11. Governing law

These Terms are governed by the laws of England and Wales.

Any disputes will be subject to the jurisdiction of the courts of England and Wales.