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Manna Membership Terms

Effective date: 10 September 2026

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1. About these terms

These Membership Terms govern your membership of the Manna Financial Freedom membership programme, which is provided by Manna Financial Freedom C.I.C. ("we", "us", "our"). They apply to both our Free membership and our paid VIP membership.

 

Please read these terms alongside our Website Terms of Use, Privacy Policy, Cookie Policy, and Returns & Refunds Policy. By joining, you confirm you have read and agree to these terms.

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2. Our membership is financial education, not regulated advice

Your membership — including all sessions, webinars, community discussion, tools, templates and resources — is provided for general financial education and information only. It is not regulated financial advice or a personal recommendation, and it does not take account of your individual circumstances. Manna Financial Freedom C.I.C. is not authorised or regulated by the Financial Conduct Authority.

Where you need regulated financial advice, this is available separately from Natasha Smith through Throgmorton Private Capital Ltd (see section 11). You remain responsible for your own financial decisions.

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3. Membership tiers

We offer two levels of membership:

  • Free membership — a no-cost membership giving access to a selection of our content, community and resources.

  • VIP membership — a paid subscription giving access to our fuller range of member benefits, which may include live Q&A sessions, topical and pre-recorded webinars, specialist sessions with guest speakers, eBooks and templates, community access, early access to events, and member discounts.

The specific benefits, sessions, webinar topics, guest speakers, tools and resources included in each tier are described on our membership page at www.mannafinancial.co.uk, and are the benefits that apply to your tier as published there from time to time. Because our membership is designed to grow and improve, these benefits will change over time, and the membership page always shows what is currently included (see section 8, Changes to Membership Benefits).  The current price of VIP membership, and the option to pay monthly or annually, is shown on our membership page and at checkout before you join (see section 5).

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4. Eligibility and your account

Membership is available to individuals aged 18 and over. You join and manage your membership through your Manna member account in our members' area (hosted on Wix).

You are responsible for keeping your login details secure and for all activity under your account. Your membership is personal to you: you must not share your account, your login, or access to member only content or the VIP community with anyone else.

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5. Fees, billing and renewal (VIP)

  • VIP membership costs £30 per month or £300 per year, as selected when you join.

  • Payment is taken securely by our payment provider, Stripe. By joining, you authorise us (via Stripe) to charge your chosen payment method the applicable fee at the start of each billing period.

  • Your VIP membership automatically renews at the end of each billing period (monthly or annual) at the then-current fee, until you cancel.

  • We may change our membership fees from time to time. If we change the fee that applies to your membership, we will give you reasonable notice before it takes effect, so that you can cancel before your next renewal if you do not wish to continue.

  • If a payment fails, we may retry it and/or suspend or end your VIP access until payment is successful.

The Free membership has no fee.

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6. Cancelling your membership

You can cancel your Manna VIP membership at any time through your Manna member account. To cancel, log in to your account, go to My Subscriptions / My Plans, select your Manna VIP membership, and follow the cancellation instructions.

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If you cancel a monthly or annual membership, your membership will normally remain active until the end of the period you have already paid for. Your membership will then end and you will not be charged for the next renewal.

 

Cancelling your membership does not automatically entitle you to a refund for any membership period that has already started or been paid for, except where you have a legal right to a refund.

If you experience any difficulty cancelling through your account, please contact us at natasha@mannafinancial.co.uk and we will help you.

You can leave the Free membership at any time in the same way.

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7. Cooling-off and refunds

VIP membership gives you immediate access to member content and community as soon as you join. Under the UK Consumer Contracts Regulations you would normally have 14 days to cancel a purchase for a refund; however, because your membership gives you immediate access to digital content and services, when you join you agree to that immediate access and acknowledge that you lose your right to cancel for a refund once your access has begun.

After that point, cancelling stops future renewals but does not entitle you to a refund for a period that has already started or been paid for, except where you have a legal right to one (for example, if we are in breach). Our Returns & Refunds Policy applies alongside these terms.

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8. Changes to membership benefits

Our membership is designed to grow and improve over time. We may add to, change, or remove features, sessions, tools, content, or other benefits included in either the Free or VIP membership from time to time, for example, to introduce new topics, refresh our webinar and Q&A schedule, bring in different guest speakers, respond to member feedback, or keep the programme sustainable. The specific sessions, topics, speakers, tools and resources described on our membership page are indicative and will vary.

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We will always aim to maintain the overall value of your membership. Where we make a significant change that materially reduces the benefits of the paid VIP membership, we will give you reasonable notice in advance, and you may cancel if you do not wish to continue. If you have paid annually and we make such a change, you may contact us to discuss a fair pro-rata refund for the remainder of your paid period where appropriate.

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9. Community guidelines

The community space and VIP community are shared spaces. When taking part, you agree to:

  • be respectful and supportive towards other members;

  • not post spam, marketing, or unsolicited financial promotions;

  • not share other members' personal information outside the community;

  • not post unlawful, offensive, misleading or harmful content; and

  • treat information shared by other members as general peer support, not professional or regulated advice.

We may moderate, remove content, or suspend or remove members who breach these guidelines.

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10. Manna Business Register

Membership includes the ability to advertise your business on the Manna Business Register. Any listing must be accurate, lawful and appropriate. We may decline, edit or remove listings at our discretion. A listing on the Register is not an endorsement or recommendation by Manna Financial Freedom, and we are not responsible for any dealings between members or between members and third parties arising from the Register.

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11. VIP discount on regulated financial advice

As a benefit of VIP membership, you are entitled to a 10% discount on the fees for regulated independent financial advice provided by Natasha Smith through Throgmorton Private Capital Ltd, which is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 431157). This covers advice areas including protection; pensions and retirement planning; estate planning and inheritance tax mitigation; investments and savings; mortgages and equity release; and advice for businesses.

This regulated advice is provided by Throgmorton Private Capital Ltd under its own separate terms of business, and is entirely separate from your Manna membership. Manna Financial Freedom does not itself provide regulated advice. The discount applies to Throgmorton's advice fees only, is available while your VIP membership is active, and may be varied or withdrawn in line with section 8.

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12. Your membership content

Your membership gives you a personal, non-transferable right to access member content and community for as long as your membership is active. All webinars, recordings, eBooks, templates and other resources remain our intellectual property and are for your own personal use only. You must not share, copy, record, resell or redistribute member content, or give anyone else access to your account or the VIP community.

When your membership ends — including at the end of your paid period if you have cancelled , your access to member-only content and community will end.

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13. Suspension or termination by us

We may suspend or end your membership if you breach these terms, fail to pay VIP fees, or behave in a way that is abusive, threatening or harmful to other members or to us. Where it is fair to do so, we will give you notice first.

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14. Our liability

Membership content is provided for general education and without guarantees as to specific outcomes. To the fullest extent permitted by law, we are not liable for any loss arising from your reliance on membership content or from decisions you make. Nothing in these terms excludes or limits any liability that cannot lawfully be excluded, and this does not affect your statutory rights as a consumer.

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15. Changes to these terms

We may update these Membership Terms from time to time. The current version will always be available on our website, and where changes are significant we will let members know.

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16. Governing law

These terms are governed by the law of England and Wales, and the courts of England and Wales have exclusive jurisdiction over any dispute arising from them.

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17. Contact us

 

Last updated: 10 September 2026

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