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Legal.

This page sets out the terms on which you may use this website, how we handle your personal data, the cookies we use, and the limits of what the content here is for. The site is operated by Multima Limited.

  • Terms of use
  • Privacy notice
  • Cookie notice
  • Disclaimer

Terms of use.

Last updated 13 September 2026.

Who we are

thefifthgeneration.co.uk (the "site") is owned and operated by Multima Limited, a company registered in England and Wales with company number 14963980. Our registered office is Swatton Barn, Badbury, Swindon, Wiltshire, SN4 0EU. You can contact us at hello@multima.co.uk.

Using the site

By using the site you agree to these terms. If you do not agree to them, please do not use the site. We may change these terms from time to time; the version on this page is the one that applies.

You may use the site for your own information and to contact us. You may not copy, reproduce, republish, distribute or exploit any part of the site for commercial purposes without our written consent, other than sharing links to it.

Content and intellectual property

All content on the site, including text, the five generations narrative, the M's framework, illustrations, page design and code, is owned by Multima Limited or licensed to us, and is protected by copyright and other intellectual property laws. "The Fifth Generation" and the associated positioning are trade names of Multima Limited. Nothing on the site grants you any rights in that content beyond viewing it.

Invite codes and invited content

Parts of the site are available only to people we have invited, and are reached with an invite code. An invite code is personal to the person we issued it to. It must not be shared with, or used by, anyone else without our written permission, and we may withdraw or change a code at any time without notice. Content behind an invite code is provided in confidence for the recipient's own consideration and must not be copied, forwarded or published.

Availability

We aim to keep the site available but do not guarantee that it will be uninterrupted or error free. We may suspend, withdraw or change all or any part of the site without notice.

Links to other sites

Where the site links to third party websites, those links are provided for your information only. We have no control over their content and accept no responsibility for them.

Liability

To the fullest extent permitted by law, we exclude all liability for any loss or damage arising from your use of, or inability to use, the site or its content. Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, for fraud, or for any other liability that cannot be excluded by law.

Governing law

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

Privacy notice.

Last updated 13 September 2026.

The data controller

Multima Limited is the data controller for personal data collected through the site. Contact details are in the terms of use above.

What we collect and why

When you email us. If you contact us using the email link on the site, we receive your name, email address and whatever you choose to tell us. We use this to reply to you and, where relevant, to arrange the keynote, workshop or support you have asked about. Our lawful basis is our legitimate interest in responding to enquiries and, where it leads to work, taking steps to enter into a contract with you.

When you become a founding subscriber. If you complete the subscriber form, we collect your name, email address, the name of your firm and its approximate size. We use these to send you The Fifth Generation content and updates. Our lawful basis is your consent, which you give when you submit the form and can withdraw at any time using the unsubscribe link in any email or by emailing us. The list is stored on Cloudflare's infrastructure and may also be held in our Notion workspace for managing it. We use Cloudflare Turnstile on the form to block automated sign ups; it checks your browser without setting tracking cookies.

When we invite you to a service. We may invite a small number of firm owners to consider our Board Advisor service. If you are invited, we hold your name, email address and, where known, the name and size of your firm, together with a personal invite code we generate for you, whether that code has been activated, and the date it was last used. If you were not already a subscriber, we will have added your details because we know you or your firm professionally and believe the service is likely to be of interest to you; our lawful basis is our legitimate interest in contacting a limited number of people about a service designed for them. The invitation email carries your code and a copy is sent to us. If you would rather not be contacted about it, reply to say so or email us, and we will withdraw the code and not contact you about the service again.

When you use an invite code. Entering a valid code records the time it was used against that code and sets a cookie on your device so you do not have to enter it again on each visit; see the cookie notice below.

When you browse the site. The site is hosted on Cloudflare. Cloudflare processes technical information such as your IP address and browser type in order to deliver the site securely and to protect it against abuse. This is done on the basis of our legitimate interest in running a secure website. We do not use this information to identify you.

We do not run advertising, we do not sell personal data, and we do not use your data for automated decision making.

Who we share it with

Your data may be handled by the providers we use to run the business, such as our email provider, our hosting provider (Cloudflare) and the service we use to send invitation and subscriber emails (Resend), all acting on our instructions. Some of these providers may process data outside the UK; where they do, transfers are protected by UK adequacy regulations or standard contractual clauses. We will otherwise only disclose personal data where the law requires it.

How long we keep it

Email correspondence is kept for as long as needed to deal with your enquiry and any resulting engagement, and then for a further period to meet our legal and accounting obligations, after which it is deleted.

Your rights

Under UK data protection law you have the right to ask for access to the personal data we hold about you, to have it corrected or erased, to restrict or object to its processing, and to data portability. To exercise any of these rights, email hello@multima.co.uk. If you are unhappy with how we have handled your data you can complain to the Information Commissioner's Office at ico.org.uk.

Cookie notice.

Last updated 13 September 2026.

Cookies are small text files placed on your device by a website. This site uses only cookies that are strictly necessary for it to work.

  • Invite access cookie (fg_vip). Set only when you enter a valid invite code. It remembers that you have done so, for up to 30 days, so you are not asked again on every visit. It contains no personal information beyond the code itself and is not used for tracking.
  • Admin cookie (fg_admin). Set only for us, when we sign in to manage invitations.
  • Cloudflare security cookies. Our hosting provider may set a cookie to distinguish legitimate visitors from automated traffic and to apply security settings. It does not track you across other sites.

We do not use analytics, advertising or social media cookies, which is why the site does not show a cookie banner. If that changes, this notice will be updated and consent will be requested where required.

You can block or delete cookies through your browser settings. Doing so may affect how the site works.

Disclaimer.

Last updated 13 September 2026.

The content on this site, including the five generations narrative, the M's framework and any frameworks, templates and guidance we publish, is provided for general information and education. It is not accounting, tax, legal, financial or regulatory advice, and it does not take account of the circumstances of any particular firm or individual.

Multima Limited is not a firm of accountants and does not provide accountancy services through this site. Any advisory, board level or workshop engagement is subject to its own written terms, which take precedence over anything on this site.

We take care over what we publish but make no representation that it is accurate, complete or up to date, and we accept no liability for any action taken, or not taken, in reliance on it. You should seek professional advice suited to your own circumstances before making decisions about your firm.

Views expressed by Carl Reader are his own and are not the views of any organisation he is associated with.

The Fifth Generation

The Fifth Generation is a trading style of Multima Limited.
Company registered in England and Wales. Company number 14963980.
Registered office: Swatton Barn, Badbury, Swindon, Wiltshire, SN4 0EU.