Last updated 25 August 2026
These terms govern your use of scepticsdesk.com and everything sold or given away through it. Using the site means you accept them. They are deliberately short, and section 2 is the one that matters most.
The Sceptic’s Desk is a trading name of Omelia Ventures. Correspondence address: Suite 723, 80A Ruskin Avenue, Welling DA16 3QQ. Contact: info@scepticsdesk.com.
Nothing published by The Sceptic’s Desk is financial, investment, or tax advice. It is educational material about using AI tools for research, strategy design, risk calculation, and record-keeping.
No content here is a personal recommendation. Nothing tells you to buy, sell, or hold any instrument. No signals are sold or given. No trading returns are promised, projected, or implied, and no past performance is presented as evidence of anything.
Trading and investing carry the risk of losing money. Most retail traders lose money. With leveraged products you can lose more than you deposit. Every decision you make is yours alone, and you are responsible for its consequences.
The Sceptic’s Desk is not authorised or regulated by the Financial Conduct Authority, does not manage money, and does not hold client funds. If you want advice tailored to your circumstances, speak to an FCA-authorised adviser.
The prompts and workflows are designed to be run against third-party AI assistants, which are not operated by us. Those tools produce confident, fluent output that is sometimes wrong, a property known as hallucination. The material teaches you to verify what they tell you, and that verification remains your job. An AI is your analyst, not your decision-maker. Any output you act on, you own.
Buying a product, or receiving the free Starter Pack, gives you a personal, non-transferable licence to use it for your own trading, learning, and reference, indefinitely.
You may print it, annotate it, adapt the prompts for your own use, and keep it forever. You may quote short extracts elsewhere with attribution.
You may not resell it, redistribute it, share your download links, upload it to file-sharing or course platforms, use it as teaching material for a paid course of your own, or feed it wholesale into a service that reproduces it. All content, including the prompts, the design system, and the wording, remains our intellectual property.
If you want to use something commercially, ask. The answer is often yes.
Purchases are processed by Gumroad as merchant of record. Gumroad handles payment, VAT, and invoicing, and its own terms apply to the transaction alongside these.
Products are digital and are delivered immediately. Under the Consumer Contracts Regulations you would normally have 14 days to cancel, but that right is lost once you download or access a digital product, and by completing your purchase you agree to immediate delivery and acknowledge that.
That is the legal position. The practical one is simpler: if a product genuinely is not what you expected, email info@scepticsdesk.com within 30 days and say why, and a refund will be arranged. There is no interest in keeping money from someone who did not get value. Nothing here affects your statutory rights if a product is faulty or not as described.
The site is provided as it is. There is no promise that it will be uninterrupted, error-free, or permanently available, and content may change or be withdrawn without notice. Products already bought remain yours regardless.
To the fullest extent the law permits, The Sceptic’s Desk is not liable for trading losses, lost profits, lost opportunity, or any indirect or consequential loss arising from your use of the site or its material. Where liability cannot be excluded, it is limited to the amount you paid, if anything.
Nothing in these terms limits liability for death or personal injury caused by negligence, for fraud, or for anything else that cannot lawfully be excluded. Your statutory rights as a consumer are unaffected.
Some content links to external sites and tools. Those are not under our control, and linking to something is not an endorsement of everything it does.
These terms may be updated, and the date at the top changes when they are. Continuing to use the site after a change means you accept the revised version.
These terms are governed by the law of England and Wales, and the courts of England and Wales have exclusive jurisdiction. If you are a consumer resident elsewhere in the UK, you may bring proceedings in your own jurisdiction.