Terms and Conditions for Giltedge Legacy Planning
Welcome to Giltedge Legacy Planning. These Terms and Conditions govern your use of our online platform and the comprehensive pension and retirement planning advice services we provide. By accessing or using our services, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our services.
1. Services Overview
Giltedge Legacy Planning specialises in providing financial advisory services related to pension and retirement planning. Our services include, but are not limited to, personalised pension review, inheritance tax planning, retirement income strategies, investment advisory for long-term growth, defined benefit transfer advice, estate planning, financial coaching for later life, and annuity and drawdown solutions for wealth preservation.
2. Advice and Information
All information provided on our site or through our consultations is for general guidance and informational purposes only. While we strive to provide accurate and up-to-date information, it does not constitute personalised financial advice tailored to your specific circumstances unless explicitly stated and agreed upon through a formal advisory engagement. Specific financial advice will only be provided after a comprehensive understanding of your individual financial situation and objectives.
Investment values can go down as well as up, and you may get back less than you invest. Past performance is not a reliable indicator of future results.
3. Client Responsibilities
As a user or client of Giltedge Legacy Planning, you agree to:
- Provide accurate, complete, and honest information about your financial situation when requested for advisory services.
- Timely respond to requests for information or documentation required for the provision of our services.
- Understand that the ultimate decision to act on any advice provided rests solely with you.
4. Confidentiality and Data Protection
We are committed to protecting your privacy and personal data. All information shared with Giltedge Legacy Planning will be treated with the strictest confidentiality and processed in accordance with relevant data protection regulations, including the UK General Data Protection Regulation (GDPR). Please refer to our separate Privacy Policy for detailed information on how we collect, use, and protect your data.
5. Fees and Payments
Our fees for advisory services will be clearly communicated and agreed upon before the commencement of any chargeable work. Details regarding payment terms, methods, and any applicable charges will be outlined in a separate engagement letter or service agreement provided to you.
6. Limitation of Liability
To the fullest extent permitted by law, Giltedge Legacy Planning, its directors, employees, or agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the service; (ii) any conduct or content of any third party on the service; (iii) any content obtained from the service; and (iv) unauthorised access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.
7. Intellectual Property
All content, materials, and intellectual property on our site and provided through our services, including but not limited to text, graphics, logos, images, and software, are the property of Giltedge Legacy Planning or its licensors and are protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of any content without our express written permission.
8. Governing Law and Jurisdiction
These Terms and Conditions shall be governed and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.
9. Changes to Terms and Conditions
We reserve the right, at our sole discretion, to modify or replace these Terms and Conditions at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our services after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using our services.
10. Contact Us
If you have any questions about these Terms and Conditions, please contact us at:
Giltedge Legacy Planning
4502 Cornbrook Road, Unit 3A
Manchester, Greater Manchester, M15 4QN
United Kingdom