1. Scope of these terms
These Terms govern your use of sacskc.com and requests for the Harbourline Financial Resilience consultation service operated by Magenta Financial Training, Stony Stratford, Bucks, VAT ID GB 608485521. By using the site or submitting a consultation request, you agree to these Terms to the extent that they apply to your use of the service.
The service is intended for adults in the United Kingdom who want to understand financial-resilience risks and the questions that may be relevant to income continuity, savings, property commitments and family contingencies.
2. Nature of the service
Harbourline provides a structured consultation intended to help users organise financial-risk priorities, understand the practical consequences of unexpected events and identify questions that may need further investigation. The service is not presented as a guarantee that financial losses can be prevented and does not promise investment returns, capital growth or any specific financial outcome.
Where a next step involves a regulated financial product or regulated financial advice, you should use an appropriately authorised provider and review the provider’s own documentation, eligibility criteria, costs, exclusions, terms and regulatory status before making a decision.
3. Consultation requests
You may request an initial consultation through the website form. The initial consultation is offered without charge unless you are clearly told otherwise before agreeing to any additional service. Submitting the form is a request for contact and does not itself purchase a financial product, create insurance cover or guarantee that a particular service can be provided.
You are responsible for providing information that is reasonably accurate and relevant to the enquiry. You should not submit passwords, PINs, account security credentials or other information that is unnecessary for the requested consultation.
4. Your financial decisions
Financial resilience depends on individual circumstances and may change over time. You remain responsible for deciding whether to act on information discussed during the consultation and for checking the terms of any third-party product or service before committing to it.
References to possible protection routes are not guarantees that a provider will accept an application, that a claim will be paid, that an investment will perform in a particular way or that a loss will not occur. Suitability, eligibility, exclusions, waiting periods, excesses, limits, affordability and provider conditions can materially affect an outcome.
5. Third-party services and regulated products
The website may discuss categories of financial protection or suggest that you consider obtaining further information from a regulated provider. Third-party services are governed by their own terms, privacy notices and regulatory responsibilities. We do not control those third-party terms and are not responsible for changes made by a third-party provider.
If a regulated product becomes relevant, confirm who is providing or advising on that product and whether they hold the permissions required for the activity in question. Do not rely solely on marketing claims when assessing regulated products.
6. Website availability and content
We aim to keep the website available and the service information understandable, but uninterrupted access cannot be guaranteed. Maintenance, security events, network failures or other circumstances may temporarily affect availability.
Financial, legal and regulatory circumstances can change. We may update service descriptions and website content to keep them accurate and useful. Material terms agreed separately for a specific paid service, if any, would take precedence over general website content to the extent of a direct conflict.
7. Responsibility and liability
Nothing in these Terms excludes or limits liability where it would be unlawful to do so, including liability that cannot legally be excluded under UK law. Subject to those restrictions, we are not responsible for losses that arise solely from a user treating general resilience information as a guarantee of a result or from a decision made without reviewing relevant third-party product terms.
You should consider the significance of a financial decision, the information available to you and whether regulated or specialist advice is appropriate. The purpose of the consultation is to improve the structure of that decision process, not to remove uncertainty from financial life.
8. Events outside reasonable control
Neither party will be responsible for a failure or delay caused by events outside reasonable control where the law allows this, including widespread telecommunications failures, infrastructure disruption, natural events, public-authority actions or other exceptional circumstances that prevent normal performance.
Where possible, reasonable steps will be taken to reduce disruption and resume affected services.
9. Privacy and cookies
Personal information submitted through the website is handled in accordance with our Privacy Policy. Cookies and similar technologies are described in our Cookie Policy, including how you can choose necessary-only use or give consent to non-essential technologies where available.
You should review those documents before submitting personal information or changing your cookie choice.
10. Governing law and changes
These Terms are governed by the laws of England and Wales, subject to any mandatory consumer protections that apply to you. Courts with jurisdiction under applicable law may hear disputes arising from these Terms.
We may update these Terms when the service, law or operating arrangements change. The published version applies from its stated update date unless a different effective date is clearly provided.
Last updated: 11 September 2026.