Marie Cowgill and The Freedom Game®

Last updated: 23 July 2026

This Disclaimer applies to content published or made available by Cowgill Consulting Ltd under the Marie Cowgill and The Freedom Game® brands, including content on mariecowgill.com, articles, newsletters, free resources, downloads, videos, podcasts, social-media content, talks, workshops and other educational materials.

It should be read together with our Website Terms and Conditions, Privacy Policy and any service-specific terms that apply when you purchase or receive a service.

1. Who we are

The relevant business is:

Cowgill Consulting Ltd

Company number: 16478115

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

Registered in England and Wales.

Contact: [email protected]

2. General information and education only

Unless expressly stated otherwise in relation to a separately contracted professional service, our public content is provided for general informational and educational purposes only.

Content is intended to encourage reflection, improve understanding, share experience and explore ideas relating to matters such as money, wealth, work, business, income, property, decision-making, freedom and life design.

Public content is not tailored to your individual circumstances and should not be treated as a substitute for advice from an appropriately qualified professional who has considered your particular needs.

3. No financial, investment, mortgage or credit advice

Cowgill Consulting Ltd does not, through the Marie Cowgill or The Freedom Game® website and general public content, provide personalised financial, investment, mortgage, credit or regulated financial advice.

General discussion of money, debt, saving, investing, wealth, income, property, borrowing, financial resilience or financial freedom does not amount to a personal recommendation for you to enter into, avoid or change a particular regulated financial product or transaction.

You should obtain advice from an appropriately authorised or qualified professional before making decisions that require regulated financial, investment, mortgage, credit, tax, accounting or legal advice.

4. Financial promotions and regulated products

A disclaimer does not override financial-services law or convert a regulated financial promotion into an unregulated communication.

Where content refers to, promotes or links to a particular regulated financial product or service, additional regulatory requirements, disclosures or approvals may apply.

Any such communication should be considered in its own context and, where applicable, will be subject to the terms, regulatory status and disclosures of the entity responsible for the relevant regulated activity or promotion.

Nothing in this Disclaimer should be interpreted as authorising Cowgill Consulting Ltd to carry on a regulated activity for which it does not hold the necessary authorisation or exemption.

5. Finanze is separate

Marie Cowgill is professionally connected with Finanze. However, Cowgill Consulting Ltd and the Marie Cowgill / The Freedom Game® brands are separate from any Finanze legal entity that may provide property, mortgage, finance, lending or other specialist services.

Where this website or Marie's content refers or links to Finanze, the actual service provider should be identified by the relevant Finanze materials.

Any regulated or specialist service provided through Finanze is subject to the provider's own terms, privacy information, regulatory status, disclosures and complaints arrangements.

A reference or link to Finanze does not mean that Cowgill Consulting Ltd itself is providing regulated mortgage, investment, credit or financial advice.

6. Property content

Content relating to property may discuss property as one possible route used by some people in building income, assets or wealth.

Such content is general and educational. It is not a recommendation that property is suitable for you or that you should buy, sell, finance, refinance or invest in any particular property or property-related opportunity.

Property decisions involve risk, costs, tax, financing considerations, legal issues and market uncertainty. Property values and income can rise or fall, borrowing increases financial exposure, and past performance is not a guarantee of future results.

You should undertake your own due diligence and obtain appropriate professional advice before making a property-related decision.

7. Business, career and income content

Content about entrepreneurship, business, careers, multiple income streams, earning, leadership, marketing or commercial strategy is educational and does not guarantee that a particular approach will be suitable or successful for you.

Business and income outcomes vary significantly according to factors including skill, experience, effort, timing, market conditions, resources, costs, legal and regulatory requirements and circumstances outside your control.

You remain responsible for assessing commercial risks and obtaining specialist professional advice where appropriate.

8. Coaching, mentoring and personal development content

General coaching, mentoring, mindset, confidence, decision-making and life-design content is not a substitute for medical care, mental-health treatment, psychotherapy, counselling or crisis support.

If you need medical, psychological or therapeutic support, you should seek help from an appropriately qualified professional.

A person does not become a coaching or mentoring Client merely by viewing, reading, downloading or interacting with public content.

A professional coaching or mentoring relationship begins only when the relevant service has been agreed or booked under the applicable terms.

9. No guarantee of results

We do not guarantee any particular financial, business, career, property, personal or lifestyle outcome from using our content, resources or services.

Examples of progress, results, earnings, savings, debt reduction, business growth or other outcomes are illustrative of particular circumstances and are not promises that another person will achieve the same or similar results.

Your results depend on many factors outside our control, including your own choices, actions, circumstances and external conditions.

10. Marie's personal experience and opinions

Marie may share personal experiences, opinions, lessons, decisions, mistakes, financial journeys, business experiences or other aspects of her own life.

These are shared to provide context or education and should not be assumed to be universally applicable.

The fact that a particular decision, strategy or approach was right or wrong for Marie does not mean that it will be right or wrong for you.

Where Marie expresses an opinion, it should be understood as opinion unless clearly presented as a verified factual statement.

11. Accuracy, completeness and timeliness

We aim to make our content accurate and useful, but information can become outdated and errors can occur.

Laws, regulations, tax rules, financial products, market conditions, platform features, prices and professional guidance can change.

Unless expressly stated otherwise, we do not guarantee that every item of public content is complete, current or suitable for a particular purpose at the time you view it.

Where accuracy is important to a decision, you should verify current information from an appropriate authoritative source or qualified professional.

12. Third-party content and external links

Our content may link to, embed or refer to third-party websites, services, products, platforms, people, organisations or resources.

A link or reference does not automatically mean that we endorse every statement, product, service, practice or policy of the third party.

We are not responsible for content or services operated by third parties that we do not control.

You should carry out your own checks before entering into a transaction or relying on third-party information.

13. Sponsored content, brand partnerships and affiliate links

From time to time, Marie or Cowgill Consulting Ltd may work with brands, receive payment or another benefit for content, or use affiliate links through which we may receive a commission.

Where content is advertising, sponsored, gifted, affiliate or otherwise subject to a material commercial relationship that requires disclosure, we will aim to identify that relationship clearly and prominently in the relevant content.

The presence of a commercial relationship does not remove our responsibility to avoid misleading claims.

A general statement in this Disclaimer is not a substitute for a clear disclosure on or near the individual piece of advertising or affiliate content where such disclosure is required.

14. Testimonials, case studies and endorsements

Testimonials, reviews, case studies and endorsements reflect the experience or opinion of the person concerned and should not be interpreted as a guarantee of your results.

Where testimonials or endorsements are used in marketing, we aim to use them accurately, with appropriate permission, and without presenting them as proof of claims they do not substantiate.

Where a person featured in promotional content has a material commercial, employment, ownership, directorship or other relevant relationship that could affect how their endorsement is understood, that relationship should be disclosed where required.

15. No fiduciary or advisory relationship from website use

Your use of the website, newsletter, podcast, videos, articles, downloads or social-media content does not create a fiduciary, financial-advisory, legal-advisory, tax-advisory or other regulated professional relationship with Cowgill Consulting Ltd or Marie Cowgill.

16. Your responsibility

You are responsible for the decisions you make and actions you take after engaging with our content.

Before making a significant financial, legal, tax, investment, mortgage, property, business, medical or other specialist decision, you should consider your own circumstances and obtain appropriate independent professional advice where necessary.

17. Liability

Any limitations or exclusions of liability relating to use of the website, content or services are set out in the Website Terms and Conditions and any applicable service-specific terms.

Nothing in this Disclaimer excludes or restricts liability where it would be unlawful to do so or affects rights that cannot lawfully be excluded.

18. International audiences

Our content may be accessed internationally, but it is created primarily from a United Kingdom perspective unless otherwise stated.

Laws, regulations, tax treatment, consumer protections and financial-services rules differ between jurisdictions.

You should obtain local professional advice where your location or circumstances make this relevant.

19. Changes to this Disclaimer

We may update this Disclaimer to reflect changes in our content, services, commercial relationships, business structure or legal requirements.

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

20. Contact

For questions about this Disclaimer, contact:

[email protected]