Terms of Use

Last Updated: July 2026

1. Acceptance of Terms

By accessing and using sage-crater.com and engaging our consultation services, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you should not use our website or services.

2. Nature of Services

Sage Crater provides consultation and guidance services related to UK social benefits, pensions, and welfare entitlements. Our services are informational and advisory in nature. We do not:

• Act as solicitors or provide legal representation
• Submit applications on your behalf to government agencies
• Guarantee approval of benefits claims
• Provide financial advice regulated by the Financial Conduct Authority

Our consultations help you understand the benefits system, prepare documentation, and navigate application processes. Final decisions on benefits eligibility are made by the relevant government authorities.

3. Professional Disclaimer

The guidance provided through our consultations is based on our understanding of current UK benefits legislation and regulations. However:

• Benefits laws and eligibility criteria are subject to change
• Individual circumstances vary, and outcomes cannot be guaranteed
• Our services are not a substitute for independent legal advice in complex cases
• We recommend consulting a qualified solicitor for matters involving appeals, tribunals, or legal disputes

4. Client Responsibilities

When using our services, you agree to:

• Provide accurate and complete information about your circumstances
• Disclose all relevant financial, medical, and household details
• Inform us of any changes to your situation that may affect eligibility
• Review all documentation before submission to government agencies
• Follow up on application deadlines and respond to requests from authorities

We cannot be held responsible for outcomes resulting from incomplete or inaccurate information provided by clients.

5. Fees and Payment

Consultation fees are fixed and disclosed before booking. Payment is required in advance of scheduled consultations. Fees cover:

• The scheduled consultation session
• Follow-up questions within 14 days of your consultation
• Written summaries or checklists provided during the consultation

Fees do not cover:

• Additional consultations beyond the initial session
• Representation at tribunals or appeals hearings
• Third-party costs such as medical reports or legal filings

6. Refund Policy

Refunds are available under the following conditions:

• Full Refund: If you cancel at least 48 hours before your scheduled consultation
• 50% Refund: If you cancel between 24 and 48 hours before your consultation
• No Refund: Cancellations made less than 24 hours before the consultation or failure to attend

If we are unable to provide the consultation due to circumstances within our control, you will receive a full refund or the option to reschedule.

7. Limitation of Liability

To the fullest extent permitted by law, Sage Crater and its consultants shall not be liable for:

• Rejection or denial of benefits applications by government authorities
• Financial losses resulting from delayed or unsuccessful claims
• Decisions made by you based on our consultation guidance
• Changes to benefits legislation that occur after your consultation

Our total liability for any claim arising from our services shall not exceed the amount of fees paid for the specific consultation in question.

8. Confidentiality

We maintain strict confidentiality regarding all information shared during consultations. However, we may be required to disclose information:

• If compelled by law or court order
• To professional advisors under confidentiality agreements
• With your explicit consent for referrals to solicitors or other specialists

9. Website Use

When using sage-crater.com, you agree not to:

• Use the site for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Transmit malicious code, viruses, or harmful content
• Scrape, copy, or reproduce content without permission
• Impersonate another person or entity

10. Intellectual Property

All content on sage-crater.com, including text, graphics, logos, and design, is owned by Sage Crater or licensed to us. You may not reproduce, distribute, or create derivative works without written permission.

11. Third-Party Links

Our website may contain links to third-party websites for informational purposes. We are not responsible for the content, accuracy, or privacy practices of external sites.

12. Modifications to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be posted on this page with an updated revision date. Continued use of our services after changes constitutes acceptance of the revised terms.

13. Termination

We reserve the right to refuse service or terminate access to our website if you violate these terms or engage in conduct we deem inappropriate or harmful.

14. Governing Law

These Terms of Use are governed by the laws of England and Wales. Any disputes arising from these terms or our services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

15. Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

16. Contact Information

For questions about these Terms of Use, contact us at:
Email: [email protected]
Address: 47 Deansgate, Manchester M3 2AY, United Kingdom