Important Disclaimers

Last Updated: August 18, 2025

Learn more about the important terms and conditions that apply to our financial planning services. These disclaimers help you understand the scope and limitations of our consultation services.

General Service Disclaimer

Our financial planning consultation services are provided for informational and advisory purposes only. While we strive to provide accurate and helpful guidance, all financial decisions remain solely your responsibility. We do not guarantee specific financial outcomes or results from following our recommendations.

Individual financial circumstances vary greatly, and what works for one client may not be suitable for another. Our consultations are based on information you provide and general financial principles.

Limitations of Liability

To the fullest extent permitted by UK law, our liability is limited as follows

• We exclude liability for any indirect, consequential, or special damages arising from our services
• Our total liability shall not exceed the amount paid for consultation services in the preceding 12 months
• We do not accept liability for decisions made based on our consultations
• Force majeure events and circumstances beyond our reasonable control are excluded from liability

Information Accuracy and Currency

We endeavor to ensure all information provided during consultations is accurate and current. However, financial regulations, market conditions, and available products change frequently, and we cannot guarantee the ongoing accuracy of all information discussed.

Nature of Our Services

Our consultation services involve discussing financial planning concepts and reviewing your personal situation. We provide guidance and analytical perspectives but do not offer regulated financial advice or investment management services.

You should consider seeking independent professional advice for complex financial matters or specific product recommendations.

• We do not recommend specific financial products or investments
• Our discussions focus on general financial planning principles and personal circumstances
• Any specific actions you take based on our consultations are your own decision and responsibility

Third-Party Resources

During consultations, we may reference external websites, tools, or resources for your information. These references do not constitute endorsements, and we are not responsible for the content, accuracy, or policies of external sites.

Always verify information from external sources independently and read their terms and conditions

Expected Outcomes

Financial planning is a personal journey with outcomes that depend on many factors including your commitment, changing circumstances, market conditions, and external economic factors. We cannot predict or guarantee specific results from our consultation services.

UK Legal Framework

Our services are provided under UK law and regulations. However, financial regulations may vary depending on your location and circumstances.

Consult local legal and financial professionals for region-specific guidance

Client Responsibilities

By using our services, you agree to provide accurate information during consultations and acknowledge that you are responsible for your own financial decisions. You will not hold us liable for outcomes resulting from your independent financial choices.

Severability of Terms

If any part of these disclaimers is found to be unenforceable, the remaining provisions shall continue to apply in full force and effect.

Complete Understanding

These disclaimers, together with our Terms and Conditions, represent our complete understanding regarding the limitations and scope of our consultation services.

Updates to Disclaimers

We may update these disclaimers periodically to reflect changes in our services or legal requirements. The current version will always be available on our website with the revision date clearly marked.

Questions About Our Services

If you have questions about these disclaimers or need clarification about our consultation services, please contact us