Terms of Use

Agreement to Terms

By accessing and using the flicker-matters website, you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using this site.

Use License

Permission is granted to temporarily access the materials on flicker-matters' website for personal, non-commercial use only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials
• Use the materials for any commercial purpose or public display
• Attempt to reverse engineer any software contained on the website
• Remove any copyright or proprietary notations from the materials
• Transfer the materials to another person or mirror the materials on any other server

This license shall automatically terminate if you violate any of these restrictions and may be terminated by flicker-matters at any time.

Services and Advice

The information provided on this website is for general informational purposes only. It does not constitute financial, pension, or investment advice tailored to your individual circumstances.

Formal pension planning advice is provided only through our paid services, following a proper assessment of your circumstances. Any decisions you make based on general website content are made at your own risk.

Accuracy of Information

While we strive to ensure the information on our website is accurate and current, pension regulations and financial rules change frequently. We make no warranties or representations about the accuracy, completeness, or timeliness of the content.

Material appearing on our website may include technical, typographical, or photographic errors. We reserve the right to update or change information without notice.

External Links

Our website may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of linked sites and are not responsible for any content, information, or services provided by third parties.

Client Engagement

Any formal engagement for pension planning services will be governed by a separate written agreement that outlines:

• Scope of services
• Fees and payment terms
• Responsibilities of both parties
• Confidentiality obligations
• Termination conditions

These Terms of Use do not constitute a service agreement.

Intellectual Property

The content, design, graphics, and other materials on this website are protected by copyright and other intellectual property laws. All rights are reserved by flicker-matters unless otherwise stated.

User Content and Communications

Any information, feedback, or material you submit through our website becomes our property. We may use such submissions for any purpose without restriction or compensation to you.

However, personal data you provide will be handled in accordance with our Privacy Policy and applicable data protection laws.

Prohibited Uses

You may not use our website:

• In any way that violates applicable laws or regulations
• To transmit or procure sending of advertising or promotional material without our prior consent
• To impersonate or attempt to impersonate flicker-matters or any employee
• To engage in any conduct that restricts or inhibits anyone's use of the website
• To introduce viruses, trojans, or other malicious or technologically harmful material

Limitation of Liability

To the maximum extent permitted by law, flicker-matters shall not be liable for any damages arising out of or in connection with your use or inability to use the website, including but not limited to:

• Direct, indirect, incidental, or consequential damages
• Loss of data or profit
• Business interruption

This limitation applies even if we have been advised of the possibility of such damages.

Indemnification

You agree to indemnify and hold harmless flicker-matters, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the website
• Your violation of these Terms of Use
• Your violation of any rights of another party

Professional Standards

flicker-matters operates in accordance with applicable UK financial services regulations. We maintain professional indemnity insurance and adhere to industry codes of conduct.

Complaints

If you have a complaint about our services, please contact us at [email protected]. We will acknowledge your complaint within 5 business days and provide a full response within 8 weeks.

If you are not satisfied with our response, you may be able to refer your complaint to the Financial Ombudsman Service.

Governing Law

These Terms of Use are governed by and construed in accordance with the laws of England and Wales. You irrevocably submit to the exclusive jurisdiction of the courts of England and Wales.

Severability

If any provision of these Terms of Use is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these terms shall otherwise remain in full force and effect.

Entire Agreement

These Terms of Use, together with our Privacy Policy and any service agreement, constitute the entire agreement between you and flicker-matters regarding use of our website.

Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after changes are posted constitutes acceptance of the modified terms.

Contact Information

Questions about these Terms of Use should be sent to:

flicker-matters
27 Pemberton Gardens
London N19 5RR
United Kingdom
Email: [email protected]