Terms and conditions

Supportive Financial Planning Limited is authorised and regulated by the Financial Conduct Authority (FCA). Our firm reference number is 449948. Full details of our authorisation can be checked on the FCA's register by visiting the FCA's website or by contacting the FCA on 0845 606 1234.

The Financial Conduct Authority does not regulate Legal Advice, Taxation Advice, Will Writing or Trusts.

Website terms and conditions

Please read the details set out below carefully before using this website (the 'Site'). By accessing this Site, you agree to be bound by all of the following terms and conditions and disclaimers (the 'Terms') including our Privacy Statement and Important Notes. In these Terms

• 'you', 'your' and 'yours' means you, the person(s) accessing this Site.
• 'we', 'us' and 'our' means Supportive Financial Planning Limited

Terms and conditions

These Terms cover your use of this Site. All our products and services have their own terms and conditions (the 'Product Terms'). You must read both the Product Terms, Key Features and these Terms. To the extent that the Product Terms and Key Features conflict with these Terms, then the Product Terms and Key Features will prevail.

From this Site we may provide information or hyperlinks to other websites or pages provided by other parties. Your use of other parties' sites may be subject to their own terms and conditions. Please read them.

Please ensure that you read carefully all applicable terms, conditions and disclaimers together with the Important Notes relevant to your use of the products, services or information that may be offered to you from time to time.

The Supportive Financial Planning Limited website features hypertext links to other web sites managed by third parties. Supportive Financial Planning Limited has no control over these sites and can in no way be considered liable for their contents. The inclusion of such links does not necessarily mean that Supportive Financial Planning Limited is aware of, or approves, their contents. Consequently, Supportive Financial Planning Limited cannot be held responsible for any failures of these sites. All and any risks incurred by virtue of visiting these linked sites, or using their contents, are taken entirely at the user's risk, and under the user's responsibility.

Changes to our terms

The information, material and content provided in the pages of this Site may be changed at any time without notice. Changes may be made to the Terms at any time without notice by updating this posting.

You agree to review the Terms regularly and your continued access to or use of the Site will mean that you agree to any changes.

Availability of site, products and services

The content, including layout, of this Site or products or services available via this Site may be wholly or partially suspended, withdrawn or changed at any time.

We also reserve the right at any time to immediately suspend the provision of all or any part of this Site to you and/or block your access to this Site.

No offer

Information or opinions contained on this Site do not constitute investment advice or an offer to sell or a solicitation, or offer to buy, any securities or financial instruments.

Should you seek to rely in any way whatsoever upon any information contained on this Site, you do so at your own risk.

Before you make any decision or take any action that might affect your personal finances or business, you should always consult a suitably qualified professional adviser.

Users

This Site is intended solely for those who access it from within the United Kingdom.

Because of this, we cannot guarantee that this Site or the information on it complies with local laws, regulations or restrictions of, or is appropriate for use in, other places.

People accessing this Site from outside the United Kingdom must inform themselves about and observe any relevant rules, regulations and restrictions.

You are wholly responsible for use of the Site by any person using your computer and you must ensure that any such person complies with these Terms.

The following provisions under 'No Warranties' and 'Exclusion of Our Liability' exclude or limit our legal liability for this Site. You should read them carefully. These apply only as far as the law permits, and in particular we do not exclude or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000 (the 'Act'), or the rules of the Financial Conduct Authority (the 'FCA') for the conduct of business.

No warranties

Whilst we have taken reasonable steps to ensure the accuracy, currency, availability, correctness and completeness of the information contained on the Site, information is provided on an 'as is', 'as available' basis and we do not give or make any warranty or representation of any kind, whether express or implied.

Other than the warranties and representations contained in these Terms, all other warranties and representations, whether express, implied or statutory are, to the fullest extent permitted by the law, excluded. Use of this Site is at your sole risk.

We do not represent that:

• any information contained on this Site will be accurate, complete or up to date or meet your specific requirements,
• this Site will be available,
• access to this Site will be uninterrupted or that there will be no delays, failures, errors or omissions or loss of transmitted information,
• no viruses or other contaminating or destructive materials or elements will be transmitted or that your computer system will not be damaged.

We do not provide any guarantee about the accuracy, functionality or performance of any third party software, content or equipment used in connection with this Site.

Exclusion of our liability

To the extent permitted by law, neither Supportive Financial Planning Limited nor any appointed representative companies of Supportive Financial Planning Limited shall be liable for any damage, loss or liability (whether arising in contract, tort, including negligence, or otherwise) arising out of or in connection with:

• your use of this Site,
• your reliance on or your inability to use the information, products or services on this Site, or
• any failure or performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure to this Site or your use or attempted use of it.

The above exclusions apply to any damage, which is direct, indirect, special, incidental or consequential or consists of loss of profits, business, opportunity or data.

All of the above exclusions apply even if you have advised us or any member of Supportive Financial Planning Limited or any appointed representative companies of Supportive Financial Planning Limited of the possibility of the above types of damage, loss or liability.

Your obligations

Security - it is your sole responsibility adequately to:

• protect and back up your data and/or equipment,
• undertake reasonable and appropriate precautions against any computer virus or other destructive materials or elements, and
• ensure that your computers and your access to this Site are adequately secured against any unauthorised users.

Your use of this Site - you may not use this Site or permit others to use this Site:

• in any way (including via electronic means) and for any purpose which is unlawful, defamatory or libellous, offensive, abusive, indecent, menacing or threatening or in any way breaches any intellectual property rights or obligations of confidence, or
• to cause annoyance, inconvenience or needless anxiety to any other person or in any other way which is in violation of any applicable law or regulation in any jurisdiction in the world, or
• to introduce a virus or other disruptive material or element or otherwise disrupt or impair this Site or any communication service.

Third party sites

Links to Third Party Sites - where we provide hypertext links to other locations on the Internet, we do so for information purposes only. We are not responsible for the content of any websites or pages of third parties linked to or linking to this Site. We have not verified the content of any such websites. Following links to any websites or pages of third parties shall be at your own risk. We shall not be responsible or liable for any damages or in any other way in connection with such linking of those websites or pages.

Downloads from Third Party Sites - links to third party downloadable software sites are for convenience only and we are not responsible nor are we liable for any difficulties or consequences associated with downloading that software. You are responsible for obtaining all necessary authorisations to use such software and we make no implied licence or warranty in relation to the obtaining of or use of such software whatsoever. Use of any downloaded software is governed by the terms of the licence agreement, if any, which accompanies or is provided with the software.

No Endorsement of Third Parties - no endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on this Site or by any hyperlinks to or from any third party websites or pages.

Links to our site

Neither you nor any other party may use any part of this Site on any other website, or link any other website to this Site, without our prior written permission.

We are not responsible for the set up of any link from a third party website to our Site.

Internet and e-mail communications

Messages sent over the Internet (including e-mail) cannot be guaranteed to be completely secure as they are subject to possible interception, monitoring, delay, loss or alteration.

Neither we nor any other member of Supportive Financial Planning Limited nor any appointed representative companies of Supportive Financial Planning Limited are responsible for any such messages nor liable to you or anyone else for any damages or otherwise in connection with any messages sent by you to us or any third party or any messages sent by or appearing to be sent by us or any third party to you over the Internet (including e-mail). You should not include any sensitive or confidential information in such messages.

Any email and the information it contains may be privileged and/or confidential. It is for the intended addressee(s) only. The unauthorised use, disclosure or copying of any email, or any information it contains, is prohibited and could in certain circumstances be a criminal offence. If you are not the intended recipient, please notify admin@supportivefinancialplanning.co.uk immediately and delete the message from your system.

Please note that Supportive Financial Planning Limited does not enter into any form of contract by means of Internet e-mail. None of the staff of Supportive Financial Planning Limited is authorised to enter into contracts on behalf of the company in this way. All contracts to which Supportive Financial Planning Limited is a party are documented by other means.

The facts or opinion detailed in any email or any such attachment is for information purposes only. It is not intended, nor should it be construed, as advice and no action should be taken on the basis of such information without the approval of a regulated individual of Supportive Financial Planning Limited. If no such approval is given, we will not accept any liability (in negligence or otherwise) arising from any third party acting, or refraining from acting, on such information. Unauthorised recipients are required to maintain confidentiality. If you receive an e-mail in error, please notify us immediately, destroy any copies and delete it from your computer system. Any use, dissemination, forwarding, printing or copying of any e-mail is prohibited. Copyright in any e-mail sent by Supportive Financial Planning Limited and any document created by us will be and remain vested in us and will not be transferred to you. We assert the right to be identified as the author of and to object to any misuses of the contents of any e-mail or such documents.

Supportive Financial Planning Limited monitors e-mails to ensure its systems operate effectively and to minimise the risk of viruses. Whilst it takes reasonable steps to scan any e-mail, it does not accept liability for any virus that it may contain.

Our monitoring of communications

To help us improve our service and in the interest of security, we may monitor and/or record communications (whether over the Internet, telephone or otherwise) between you and us.

Intellectual property rights

Our Rights - all intellectual property rights (including without limitation, copyright, database rights, design rights, patents and trademarks) in the pages, screens, information and materials included in this Site are owned by or licensed to us unless otherwise stated.

Supportive Financial Planning Limited and the Supportive Financial Planning Limited logo are trademarks of Supportive Financial Planning Limited and all rights and benefits in them vest in Supportive Financial Planning Limited.

You must not alter anything contained on or obtained from this Site in any form. Any other use is prohibited unless you first get our written permission. In particular, no one may use a part of our Site on any other website, or link any other website to our Site, without prior written permission.

Document retention

It is our policy to retain documents for business effected on your behalf in electronic or paper format for a minimum of 6 years; pensions, however, will be kept indefinitely. Thereafter, we may destroy documents without further reference to you.

It is possible for claims to be made long after a policy has expired for certain types of insurance. It is therefore important that you keep your policy documentation safely, and in accordance with statutory requirements.

Your information

We are committed to protecting your personal data and privacy. All information that we gather from you in connection with your use of this Site ('your information') will be processed or otherwise dealt with by us in accordance with our Privacy Policy (as amended from time to time), which you should read.

We may, as a result of your interaction with this Site, hold and process personal information obtained about you when you access the Site and use it for servicing our relationship with you, to provide you with products and services, to evaluate the effectiveness of this Site, to assess your financial needs, to conduct our business, and to provide you with better customer services and for statistical analysis.

Under data protection legislation in the United Kingdom, you can ask in writing for a copy of certain personal records we hold about you. We may make a charge for this service.

Complaints

It is our intention to provide you with a high level of customer service at all times. However, if you are dissatisfied with any aspect of our service please let us know.

Your complaint will be addressed as quickly as possible in a fair manner, and in accordance with the FCA rules, but if you are still dissatisfied with the outcome of your complaint and you are an Eligible Complainant, you may be able to refer it to the Financial Ombudsman Service within 6 months of receiving our final response.

You can contact us via the address and details set out below:

The Compliance Officer
Compliance Department
Supportive Financial Planning Ltd
PO Box 4690
Wolverhampton
WV5 7WZ

Tel: +44 (0) 845 337 3414
Fax: +44 (0) 845 052 5329

For more information on our Complaints procedures, please contact our Compliance Department.

Important notes

The Terms include the Important Notes set out below. You should read them.

The information in this Site is based on our understanding of current law at the present time. Future changes in legislation and practice could affect the information on this Site.

Supportive Financial Planning Limited is covered by the Financial Ombudsman Service (FOS). The FOS was set up by law to provide consumers with a free, independent service for resolving disputes with financial firms. If you are not happy with any aspect of our service, please let us know. We will take the first opportunity to resolve matters. In the unlikely event that we are unable to resolve a dispute with you to your satisfaction, you may be entitled to refer it to the FOS. Further information about the FOS can be found by logging onto the Financial Ombudsman website.

Supportive Financial Planning Limited is a member of the Financial Services Compensation Scheme established under the Financial Services Act 2000. You may be entitled to compensation from this scheme in the event that we are unable to meet our liabilities.

Children

This Site is not intended to be used by minors.

Governing law

These Terms are governed by and are to be interpreted in accordance with the laws of the United Kingdom.

The courts in the United Kingdom will have non-exclusive jurisdiction in respect of any dispute which may arise in connection with the Terms or your use of this Site.

Our information

Supportive Financial Planning Limited is Authorised and Regulated by the Financial Conduct Authority. Registered in England and Wales no: 05690516. Registered Office: 2nd Floor, 145-157 St John Street, London, EC1V 4PY.

Please send all correspondence to Supportive Financial Planning Ltd, PO Box 4690, Wolverhampton, WV5 7WZ.