Website Terms and Conditions

This website is operated by Hinchcliffe Financial Planning, a trading name of Financial Solutions Advisers Limited.

Financial Solutions Advisers Limited is registered in England and Wales under company number 10544288. Its registered office is:

Clyst House
Manor Drive
Clyst St Mary
Exeter
EX5 1GB

Financial Solutions Advisers Limited is an appointed representative of Financial Solutions Group Limited, which is authorised and regulated by the Financial Conduct Authority.

Financial Solutions Group Limited is entered on the Financial Services Register under Firm Reference Number 432014.

You can check details on the Financial Services Register.

By accessing and using this website, you agree to these terms and conditions.

If you do not agree with these terms, please do not use the website.

We may amend these terms from time to time to reflect changes to our services, the law, regulation or the operation of this website. The date at the top of this page shows when these terms were last updated.

The information provided on this website, including any articles, guides, Insights or other materials, is provided for general information purposes only.

It does not constitute personal financial, investment, tax or legal advice and should not be relied upon as such.

The information on this website does not take account of your individual objectives, financial circumstances, needs or attitude to risk.

You should not make, change or cancel a financial arrangement solely on the basis of information contained on this website.

Personal financial advice will only be provided after we have agreed to provide advice to you and have obtained and assessed sufficient information about your individual circumstances, objectives and needs.

The value of investments and any income from them can fall as well as rise. You may get back less than the amount originally invested.

Past performance is not a reliable indicator of future performance.

The value of investments can be affected by changes in investment markets, economic conditions, interest rates, inflation and other factors.

Tax treatment depends on individual circumstances and may be subject to change in the future.

Where information concerning taxation is provided on this website, it is based on our understanding of current UK legislation and HM Revenue & Customs practice at the time of publication.

Where information on this website discusses investments, pensions or financial markets, it should not be interpreted as a recommendation to buy, sell or hold any particular investment or financial product.

Any cashflow projections, financial modelling, charts, calculations, case studies or examples appearing on this website are provided for illustrative purposes only unless expressly stated otherwise.

They are based on assumptions that may not occur in practice and should not be regarded as forecasts, guarantees or promises of future outcomes.

Your own circumstances may differ significantly from any examples shown.

We take reasonable care to ensure that information published on this website is accurate and up to date at the time of publication.

However, financial legislation, taxation, allowances, investment markets and regulatory requirements can change.

We therefore cannot guarantee that all information will remain complete, accurate or current after its publication date.

Where an article or other piece of content has a publication or review date, this should be considered when assessing the information.

You should obtain appropriate professional advice before taking action based on information contained on this website.

Unless otherwise stated, the content of this website, including its text, graphics, branding, logos, photographs and design, is owned by us or used by us with permission.

You may view, download or print content from this website for your own personal and non-commercial use.

You must not reproduce, distribute, modify, republish or commercially exploit any part of this website without our prior written permission, except where permitted by law.

This website may contain links to websites operated by third parties.

These links are provided for information and convenience only. We do not control third-party websites and are not responsible for their content, availability, security or privacy practices.

The inclusion of a link does not necessarily mean that we endorse the website, its operator, or any products or services referred to on it.

You should review the terms and privacy policies of any third-party website you visit.

We aim to keep this website available and operating correctly but cannot guarantee that it will always be available, uninterrupted, secure or free from errors.

We may suspend, withdraw, change or restrict access to all or part of the website where reasonably necessary.

Although we take reasonable precautions, we cannot guarantee that this website will be free from viruses or other harmful material. You are responsible for using appropriate security and virus-protection software on your own devices.

Nothing in these terms excludes or limits any liability that cannot lawfully be excluded or limited.

In particular, nothing in these terms excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation.

Nothing in these terms is intended to exclude or restrict any rights or remedies you may have under applicable financial services legislation or the rules of the Financial Conduct Authority.

Subject to the above, we will not be responsible for losses arising solely from reliance on general information contained on this website where that information was not provided as personal financial advice.

We take the protection of your personal information seriously.

Information about how we collect, use and protect personal information is contained in our Privacy Policy.

Information about cookies and similar technologies used on this website is contained in our Cookie Policy.

Please read those documents alongside these terms and conditions.

These terms and conditions and your use of this website are governed by the laws of England and Wales.

Subject to any rights you may have as a consumer, disputes relating to these terms or use of the website will be subject to the jurisdiction of the courts of England and Wales.

If you have any questions about these terms and conditions, please contact:

Hinchcliffe Financial Planning
Email: chris@hinchcliffefp.com
Telephone: 01420 377045