The fine print, in plain English

Terms & Conditions

Last updated: 1 July 2026 · Advertising Module LTD

These Terms & Conditions govern your use of pivotal-cap.com and any purchase made through the site. These services are provided by Advertising Module LTD. By browsing or purchasing from this site, you agree to these terms.

About the Platform

Advertising Module LTD operates and manages pivotal-cap.com, an online bookshop specialising in curated financial-literacy titles for young adults, with registered address at 2 Cromar Way, CHELMSFORD, CM1 2QE, United Kingdom.

Orders and pricing

All prices displayed on the site are clearly indicated at checkout. We reserve the right to correct pricing errors and to cancel and refund any order affected by an obvious pricing mistake before dispatch. Product availability is subject to stock; where a title becomes unavailable after an order is placed, we will contact you with alternatives or a full refund.

Payment

We accept payment via Visa, Mastercard, American Express and PayPal. Payment is processed securely at checkout and your order will only be confirmed once payment has been successfully authorised.

Shipping and delivery

See our full Shipping & Returns policy for delivery timeframes and details. Risk in the goods passes to you upon delivery to the address provided at checkout.

Returns and guarantees

Nothing in these terms limits your statutory consumer rights. Beyond statutory guarantees, we also offer a 30-day return window as described in our Shipping & Returns policy.

Content and educational disclaimer

Books, blog articles, and our Money Mindset Quiz are provided for general educational and informational purposes only. PivotalCap is a bookshop platform, not a financial advice service. Nothing on this site constitutes personal financial, investment, tax or legal advice, and you should consult a licensed professional before making significant financial decisions.

Intellectual property

All original content on pivotal-cap.com (including site design, articles, quiz content and imagery) is owned by Advertising Module LTD or used under licence, and may not be reproduced without permission. Book titles remain the intellectual property of their respective publishers and authors.

Limitation of liability

To the maximum extent permitted by law, Advertising Module LTD's liability arising from your use of this site or purchase of products is limited to the value of the relevant order.