Marie Cowgill and The Freedom Game®

Last updated: 23 July 2026

These Terms and Conditions govern your use of websites, pages, digital resources and services operated by Cowgill Consulting Ltd under the Marie Cowgill and The Freedom Game® brands.

They are intended to provide clear general terms for the website and our services. Certain services, including one-off coaching or mentoring sessions, ongoing private support, corporate engagements, workshops, events, digital products or other specific offers, may also be subject to additional or service-specific terms presented before purchase or set out in a separate agreement.

Where service-specific terms apply, those terms supplement these Terms. If there is a direct conflict, the service-specific terms will take priority for that particular service to the extent of the conflict.

Contents

·       1. Who we are

·       2. Scope of these Terms

·       3. Definitions

·       4. Using this website

·       5. Information, education and no professional advice

·       6. Finanze and third-party regulated services

·       7. Intellectual property

·       8. Permitted use of resources and materials

·       9. User submissions, feedback and testimonials

·       10. External links, platforms and third-party services

·       11. Website availability and security

·       12. Our services

·       13. Coaching, mentoring and strategy boundaries

·       14. Client responsibilities

·       15. Suitability and right to decline or end services

·       16. Booking and contract formation

·       17. Prices, payment and taxes

·       18. Consumer cancellation rights for distance contracts

·       19. Starting a service during the 14-day cancellation period

·       20. One-off appointment cancellations, rescheduling and no-shows

·       21. Late arrival

·       22. Online sessions and technology

·       23. Ongoing private support and recurring services

·       24. Digital content and downloadable products

·       25. Free resources and promotional content

·       26. Changes, postponement and cancellation by us

·       27. Confidentiality

·       28. Recording, transcription and AI-assisted tools

·       29. Corporate sponsors and third-party payers

·       30. Complaints

·       31. Data protection, privacy and cookies

·       32. Marketing and service communications

·       33. No guarantee of outcomes

·       34. Liability to consumers

·       35. Liability to business customers

·       36. Events outside our reasonable control

·       37. International users and clients

·       38. Changes to these Terms

·       39. General legal provisions

·       40. Governing law and jurisdiction

·       Annex A – Model Cancellation Form

1. Who we are

These Terms are issued by:

Cowgill Consulting Ltd

Company number: 16478115

Registered office:

124 City Road

London

United Kingdom

EC1V 2NX

Registered in England and Wales.

Cowgill Consulting Ltd operates services and content under the Marie Cowgill and The Freedom Game® brands.

Contact: [email protected]

2. Scope of these Terms

These Terms apply when you use our website or online pages, request or download resources, submit an enquiry, join a mailing list, book or purchase a service, purchase digital content, or otherwise interact with services offered by Cowgill Consulting Ltd unless different terms are expressly stated.

By using the website, you agree to comply with the provisions that apply to website use. By placing an order or booking a paid service, you agree to the contractual provisions that apply to that purchase.

If you are purchasing on behalf of a company, organisation or other legal entity, you confirm that you have authority to bind that entity.

Nothing in these Terms excludes, restricts or overrides any right or remedy that cannot lawfully be excluded or restricted.

3. Definitions

·       Consumer means an individual acting for purposes wholly or mainly outside that person's trade, business, craft or profession.

·       Business Customer means a person or organisation purchasing wholly or mainly for business or professional purposes.

·       Client means a person receiving a paid coaching, mentoring, strategy or related service.

·       Participant means the individual who actually receives a service where a company, employer, sponsor or another person pays for it.

·       Services includes coaching, mentoring, strategy support, one-off sessions, ongoing private support, workshops, talks, digital services and other services offered by Cowgill Consulting Ltd.

·       Website includes mariecowgill.com and any related pages, booking pages, forms or digital properties operated by Cowgill Consulting Ltd.

·       We, us and our mean Cowgill Consulting Ltd.

·       Marie means Marie Cowgill when acting on behalf of Cowgill Consulting Ltd.

·       You and your mean the person using the website or purchasing or receiving a service, as applicable.

4. Using this website

You may use the website only for lawful purposes.

You must not:

·       use the website in a way that breaches applicable law or regulation;

·       attempt to gain unauthorised access to the website, our systems or another user's information;

·       introduce malicious code, viruses or other harmful material;

·       scrape, harvest, copy or systematically extract website content except as permitted by law;

·       use the website to transmit abusive, defamatory, unlawful, fraudulent or misleading material;

·       impersonate another person or misrepresent your identity or authority;

·       interfere with the operation, security or availability of the website; or

·       use our content, branding or intellectual property in a way not permitted by these Terms.

We may restrict or suspend access where reasonably necessary to protect the website, our systems, our rights, other users or the public.

5. Information, education and no professional advice

Content made available through the website, The Freedom Game®, social media, podcasts, videos, newsletters, articles, lead magnets, workshops and other educational materials is provided for general informational and educational purposes.

Unless expressly agreed in writing as part of a specific regulated or professional service provided by an appropriately authorised provider, our content and services do not constitute:

·       financial advice;

·       investment advice;

·       mortgage advice;

·       credit advice;

·       legal advice;

·       tax advice;

·       accounting advice;

·       medical advice;

·       mental-health treatment;

·       psychotherapy; or

·       any other regulated professional advice.

You should obtain appropriately qualified professional advice where your circumstances require it.

You remain responsible for evaluating information and deciding whether any action is appropriate for your own circumstances.

6. Finanze and third-party regulated services

Marie is professionally connected with Finanze. However, property, finance, mortgage, lending, investment or other specialist services referred to through this website may be provided by a separate legal entity, team or third-party provider under that provider's own terms, privacy notices, regulatory status and complaints arrangements.

A link or referral from this website does not mean that Cowgill Consulting Ltd itself is providing regulated mortgage, investment, credit, legal or financial advice.

Where you choose to engage with Finanze or another provider, you should review the terms and regulatory information supplied by the entity that actually provides the relevant service.

7. Intellectual property

Unless otherwise stated, all intellectual property rights in the website and in content created or supplied by us are owned by or licensed to Cowgill Consulting Ltd.

This includes, without limitation, text, articles, videos, audio, graphics, frameworks, worksheets, exercises, templates, diagrams, downloads, training materials, coaching materials, course materials, brand assets, logos and original methods.

The Freedom Game® and associated branding, frameworks and original materials are protected intellectual property. No ownership rights are transferred to you when you access or purchase a service or resource.

8. Permitted use of resources and materials

Unless a different licence is expressly stated, we grant you a limited, personal, non-exclusive, non-transferable and revocable licence to use resources and materials supplied to you for your own personal or internal business use.

You must not, without prior written permission:

·       sell, sublicense, redistribute or commercially exploit our materials;

·       copy or reproduce substantial parts of our materials for distribution to others;

·       remove copyright, trade mark or ownership notices;

·       present our frameworks or materials as your own;

·       use our materials to create a substantially similar competing product, programme, course, framework or service; or

·       upload paid or confidential materials to public repositories, file-sharing platforms or public AI training datasets.

Reasonable quotation or reference is permitted where allowed by law and accompanied by appropriate attribution.

9. User submissions, feedback and testimonials

If you submit an enquiry, form response, application, question, feedback or other material, you confirm that the information you provide is accurate to the best of your knowledge and that you have the right to provide it.

We will not use identifiable client stories, testimonials, case studies, photographs or recordings for marketing simply because you have provided feedback. Where permission is required, we will seek it separately.

General suggestions or feedback about our services may be used to improve our business, provided that we do not disclose confidential or personal information contrary to our obligations.

10. External links, platforms and third-party services

The website may contain links to or embedded content from third-party websites and platforms, including social media, YouTube, podcast platforms, payment providers, booking systems and other services.

We are not responsible for the availability, content, security, accuracy or privacy practices of third-party sites or services that we do not control.

Your use of a third-party service may be subject to that provider's own terms and privacy policies.

11. Website availability and security

We aim to keep the website available and accurate but do not guarantee uninterrupted, error-free or permanently available access.

We may update, suspend, restrict or withdraw all or part of the website where reasonably necessary for maintenance, security, legal, operational or business reasons.

We take reasonable steps to protect our systems but cannot guarantee that internet-based services will always be completely secure or free from harmful components.

12. Our services

Our services may include one-off coaching or mentoring sessions, Freedom Strategy Calls, Coaching & Mentoring Calls, ongoing private support, strategy support, workshops, speaking, digital resources and other services described on the website or offered directly.

The exact scope, duration, format, price and inclusions of a service will be set out on the relevant sales or booking page, order confirmation, proposal or separate agreement.

Descriptions are intended to explain the nature of the service, but individual coaching or mentoring sessions are responsive by nature and no specific outcome is guaranteed.

13. Coaching, mentoring and strategy boundaries

Coaching is a collaborative process intended to support reflection, clarity, decision-making, accountability and action. Mentoring and strategic guidance may include perspectives, observations, challenge and experience-based input.

You remain responsible for your own decisions, actions, omissions and results.

Our services are not a substitute for medical, psychological, therapeutic, legal, tax, accounting, investment, mortgage or other regulated professional support.

If a matter falls outside the appropriate scope of our services, we may recommend that you obtain support from another suitably qualified professional.

14. Client responsibilities

When receiving services, you agree to:

·       provide information that is reasonably accurate and relevant to the service;

·       take responsibility for decisions and actions you choose to take;

·       attend scheduled sessions on time where reasonably possible;

·       communicate respectfully;

·       not use the service for unlawful purposes;

·       seek specialist professional advice where appropriate;

·       tell us if an agreed adjustment is reasonably required for accessibility or participation; and

·       comply with any reasonable service-specific terms communicated before purchase.

15. Suitability and right to decline or end services

We are not obliged to accept every enquiry, application or prospective client.

We may decline to provide, or may end, a service where we reasonably consider that:

·       the service is not an appropriate fit for the person's needs;

·       the requested support falls outside our competence or appropriate professional scope;

·       continuing would create an actual or serious potential conflict of interest;

·       there has been threatening, abusive, discriminatory or seriously inappropriate behaviour;

·       payment obligations have not been met;

·       the relationship has broken down to the point that effective work is no longer reasonably possible;

·       legal, safeguarding, security or professional concerns require us to stop; or

·       another reasonable and substantial reason makes continuation inappropriate.

Where we end a prepaid service that has not been fully delivered, we will deal fairly with any unused prepaid amount, subject to any loss, work already supplied, contractual minimum term and applicable law.

16. Booking and contract formation

Submitting a booking request, application or order does not necessarily mean that we have accepted it.

A binding contract is formed when we send confirmation that the booking or order has been accepted, or when we begin supplying the service with your agreement, whichever occurs first.

For selective ongoing private support, an application does not guarantee that a place will be offered.

You are responsible for checking that the service, date, time, contact details and other booking information shown in your confirmation are correct.

17. Prices, payment and taxes

The price payable is the price displayed or otherwise agreed at the time the contract is made.

Unless expressly stated otherwise, payment for one-off sessions is required in full before the booking is confirmed.

Ongoing services may be paid by recurring card payment, Direct Debit or another agreed method.

If applicable taxes are required to be charged, they will be included or clearly identified in accordance with applicable law.

Where a payment fails or becomes overdue, we may suspend future sessions or services until payment is brought up to date, provided we act consistently with any applicable agreement and consumer law.

We may correct obvious pricing errors before a contract is formed. If a material pricing error is identified after formation, we will contact you and seek a fair resolution rather than unilaterally imposing a higher price.

18. Consumer cancellation rights for distance contracts

This section applies where you are a Consumer and enter into a qualifying distance or off-premises contract with us.

Subject to applicable exceptions, you generally have a legal right to cancel a contract for services within 14 days after the day the contract is entered into, without giving a reason.

To exercise the right to cancel, you must communicate a clear statement that you wish to cancel. You may email [email protected] or use the model cancellation form in Annex A, although use of the form is not mandatory.

Where you validly cancel and a refund is due, we will reimburse amounts due without undue delay and in accordance with applicable law, normally using the same means of payment unless another method is expressly agreed.

Your statutory rights are separate from, and take priority over, any contractual cancellation or rescheduling policy.

19. Starting a service during the 14-day cancellation period

You may ask us to begin providing a service before the end of the 14-day statutory cancellation period.

Where the law requires it, we will ask you to make an express request for early performance.

If you then cancel after the service has started but before it has been fully performed, you may be required to pay an amount proportionate to the service supplied up to the time you communicated cancellation, where the applicable legal conditions are met.

Where a service is fully performed within the cancellation period, you may lose the statutory right to cancel once the service has been fully supplied if you expressly requested early performance and acknowledged in advance that the right to cancel would be lost on full performance, where required by law.

Booking a session to take place within 14 days does not by itself remove statutory rights. The relevant express request and acknowledgement should be captured through the booking or checkout process where required.

20. One-off appointment cancellations, rescheduling and no-shows

Service-specific booking terms shown before purchase apply to the relevant appointment.

Unless different terms are stated for a particular service:

·       you may reschedule a one-off session once without an additional charge if you give at least 24 hours' notice;

·       if you cancel with at least 24 hours' notice, you will normally receive a refund of the session fee, subject to any statutory rules and any service-specific terms presented before purchase;

·       if you cancel or request a further reschedule with less than 24 hours' notice, or do not attend, we may retain or charge an amount that reasonably reflects the reserved time and losses caused by the late cancellation, subject always to applicable consumer law and your statutory rights;

·       we may waive or reduce a late-cancellation charge in exceptional or humanitarian circumstances at our discretion; and

·       nothing in this section removes any statutory cancellation right that applies to you.

Where a fixed appointment slot has been reserved specifically for you, late cancellation may make it difficult or impossible for us to reallocate that time.

21. Late arrival

If you arrive late for a scheduled session, the session will normally still end at the original scheduled finishing time so that later commitments are not affected.

If we are responsible for a material delay, we will take reasonable steps to ensure you receive the agreed session time or an appropriate alternative.

22. Online sessions and technology

Online sessions may be delivered through Microsoft Teams or another notified platform.

You are responsible for having a suitable device, internet connection and environment for participation.

If a significant technical failure on our side prevents the service from being delivered, we will normally rearrange the affected portion at no additional charge.

We are not responsible for minor interruptions or failures caused by your equipment, internet connection or third-party systems outside our reasonable control, although we will act reasonably to try to continue or rearrange where appropriate.

23. Ongoing private support and recurring services

Ongoing private support is subject to the specific package information and, where applicable, a separate client agreement.

The separate agreement or offer confirmation may specify:

·       the type of support;

·       session frequency;

·       between-session access;

·       response-time expectations;

·       payment frequency;

·       minimum term;

·       notice period;

·       how unused sessions are treated;

·       cancellation and termination rights; and

·       any package-specific conditions.

Those specific terms supplement these Terms and take priority for the ongoing service where there is a direct conflict.

Recurring payment authority does not by itself create a right to unlimited sessions, unlimited access or support outside the agreed package.

Nothing in an ongoing agreement removes any mandatory right you have under applicable consumer law, including any statutory rules that may apply to subscription contracts.

24. Digital content and downloadable products

Where we supply paid digital content, downloads or other content not supplied on a tangible medium, additional consumer rules may apply.

Where the law requires it, we will obtain your express consent before immediate supply begins and your acknowledgement that beginning the supply may affect or cause you to lose a statutory cancellation right.

Digital content is licensed, not sold, unless expressly stated otherwise.

You may not redistribute, resell, share access credentials for, or commercially exploit paid digital content except where we expressly permit it.

25. Free resources and promotional content

Free resources, lead magnets, downloads and promotional content are provided for informational and educational use.

We may update, replace or withdraw free resources at any time.

Access to a free resource does not create a coaching, mentoring, advisory or fiduciary relationship.

Where you separately consent to receive marketing communications, you may unsubscribe at any time.

26. Changes, postponement and cancellation by us

We may occasionally need to reschedule, postpone, modify or cancel a session or service because of illness, emergency, technical failure, availability, legal requirements or another reasonable operational reason.

Where we cancel a one-off paid service and cannot provide a reasonable alternative, we will refund the amount paid for the undelivered service.

Where we reschedule, we will try to offer a reasonable alternative.

We will not use this clause to make arbitrary changes that materially disadvantage Consumers without a valid reason.

27. Confidentiality

We treat coaching and mentoring conversations as confidential, subject to the terms of the relevant service and the Privacy Policy.

Confidentiality may be limited where disclosure is required or permitted by law, reasonably necessary to protect legal rights, or required in connection with serious safeguarding or risk concerns.

Where appropriate professional supervision or reflective practice is used, we aim to minimise unnecessary identifying information and maintain appropriate confidentiality, as further described in our Privacy Policy.

Confidentiality does not prevent us from keeping lawful and proportionate professional, administrative, payment or legal records.

28. Recording, transcription and AI-assisted tools

We do not treat participation in a service as blanket permission to secretly record or fully transcribe sessions.

Where we propose to record, transcribe or use an AI meeting assistant to capture substantially the whole of a session, we will provide appropriate information and obtain any consent or permission required by law.

We may use appropriate digital or AI-assisted tools for limited administrative, drafting, note-organisation or continuity purposes in accordance with our Privacy Policy.

You should not record or distribute a session without prior agreement. In particular, you must not publish, share or commercially exploit recordings or substantial reproductions of sessions without our prior written permission, except where a right cannot lawfully be restricted.

29. Corporate sponsors and third-party payers

Where an employer, company, sponsor or another person pays for a Participant's service, the commercial arrangements with the payer do not automatically entitle the payer to receive the substance of confidential coaching or mentoring conversations.

Any reporting arrangement should be agreed in advance.

We may provide administrative information such as attendance, scheduling or whether an engagement remains active where appropriate and lawful.

30. Complaints

We want concerns to be raised and dealt with fairly.

General service complaints should be made in accordance with our Complaints Policy, available through the website, or by contacting [email protected].

Data-protection complaints are handled in accordance with our Privacy Policy and applicable data-protection law.

Where a complaint concerns professional coaching or mentoring conduct and an applicable external professional-body process is available, information about that route may be provided where relevant.

Using our internal complaints process does not remove any statutory right or external remedy available to you.

31. Data protection, privacy and cookies

We process personal information in accordance with our Privacy Policy.

Our use of cookies and similar technologies is explained in our Cookie Policy and managed through appropriate consent mechanisms where required.

The Privacy Policy and Cookie Policy form part of the wider legal information available through the website but do not reduce any rights provided by applicable data-protection law.

32. Marketing and service communications

If you book, purchase or receive a service, we may send communications reasonably necessary to administer or deliver that service, including confirmations, reminders, payment information, scheduling updates and follow-up.

These service communications are separate from optional marketing.

Where we send marketing communications, we will do so in accordance with applicable law and the preferences recorded for you. You may unsubscribe from marketing at any time.

33. No guarantee of outcomes

We aim to provide services with reasonable care and skill.

However, coaching, mentoring, strategy, educational content and related services do not guarantee a particular financial, business, career, personal, investment or other outcome.

Results depend on many factors outside our control, including your decisions, actions, circumstances, market conditions and the involvement of third parties.

Testimonials, case studies and examples illustrate individual experiences and are not promises that another person will achieve the same result.

34. Liability to consumers

This section applies where you are a Consumer.

We are responsible for losses you suffer that are a foreseeable result of our breach of contract or failure to use reasonable care and skill.

We are not responsible for losses that were not foreseeable when the contract was made or that arise from matters outside our reasonable control, except where the law provides otherwise.

Where you use our services for personal purposes, we are not responsible for business losses such as loss of profit, loss of business, loss of opportunity or business interruption.

We do not exclude or limit liability where it would be unlawful to do so, including liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or liability that cannot lawfully be excluded under consumer law.

Nothing in these Terms affects your statutory rights.

35. Liability to business customers

This section applies where you are a Business Customer.

To the fullest extent permitted by law, we will not be liable for indirect or consequential loss, loss of profit, loss of revenue, loss of business, loss of anticipated savings, loss of opportunity, loss of goodwill or business interruption.

Subject to liabilities that cannot lawfully be limited, our total aggregate liability arising out of or in connection with the relevant service will not exceed the total fees paid or payable by you to Cowgill Consulting Ltd for the service giving rise to the claim during the 12 months immediately preceding the event giving rise to liability, or the total fee for that service if the engagement lasted less than 12 months.

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud, fraudulent misrepresentation or any other liability that cannot lawfully be excluded or limited.

36. Events outside our reasonable control

We are not responsible for delay or failure caused by events outside our reasonable control, such as serious illness, widespread internet or platform outages, natural disasters, major transport disruption, industrial action, governmental action, war, civil emergency or comparable events.

Where such an event materially affects a paid service, we will take reasonable steps to minimise disruption and, where appropriate, rearrange, pause or fairly resolve the affected service.

37. International users and clients

We may work with people outside the United Kingdom.

You are responsible for ensuring that access to our services is lawful in your location and for obtaining local professional advice where local law, regulation or tax treatment may be relevant.

Mandatory consumer protections that apply to you in your country or region are not excluded where they cannot lawfully be excluded.

38. Changes to these Terms

We may update these Terms from time to time to reflect changes in our services, technology, business practices or legal requirements.

The latest version will be published on the website with an updated date.

Changes will not retrospectively remove rights that have already accrued under an existing contract.

Where a material change affects an ongoing paid service, we will provide appropriate notice where required and will not rely on a general variation clause to impose an unfair material disadvantage on a Consumer.

39. General legal provisions

If any provision of these Terms is found to be unlawful, invalid or unenforceable, the remaining provisions will continue in effect to the extent permitted by law.

If we delay in enforcing a right, that does not mean we have waived it.

You may not transfer a contract with us to another person without our agreement, except where applicable law gives you a right to do so.

We may transfer our rights and obligations to another organisation as part of a genuine business transfer or reorganisation, provided this does not reduce a Consumer's rights under the contract.

Except where expressly stated or required by law, a person who is not a party to a contract under these Terms does not have a right to enforce it.

For Business Customers, these Terms together with any service-specific agreement, proposal or order confirmation form the entire agreement relating to the relevant service, subject to any representation that cannot lawfully be excluded.

40. Governing law and jurisdiction

These Terms and contracts made under them are governed by the laws of England and Wales.

If you are a Consumer resident in another part of the United Kingdom, you may also be entitled to the protection of mandatory laws applicable where you live and may be entitled to bring proceedings in your local courts.

If you are a Consumer outside the United Kingdom, nothing in these Terms removes mandatory consumer protections that apply to you and cannot lawfully be excluded.

For Business Customers, the courts of England and Wales will have exclusive jurisdiction, unless we expressly agree otherwise in writing.

Annex A – Model Cancellation Form

Complete and return this form only if you wish to cancel a qualifying contract within a statutory cancellation period. You do not have to use this form; a clear written statement is sufficient.

To: Cowgill Consulting Ltd

Email: [email protected]

Registered office: 124 City Road, London, United Kingdom, EC1V 2NX

I/We hereby give notice that I/We cancel my/our contract for the supply of the following service or digital content:

____________________________________________________________

Ordered/booked on: __________________________________________

Name of consumer(s): ________________________________________

Address of consumer(s): ______________________________________

____________________________________________________________

Signature of consumer(s) (only if this form is notified on paper):

____________________________________________________________

Date: ________________________________________________________

Note: This document is drafted as general website and service terms. Specific booking pages, ongoing private-support agreements and other service-specific contracts may contain additional terms that supplement these Terms.