Terms of Service

1. Introduction

These Terms of Service ("Terms") govern your use of the Airy Trail Financial Planning website and services. By accessing our website or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services.

2. About Airy Trail Financial Planning

Airy Trail Financial Planning is a trading name of [Company Registration Details]. We are authorized and regulated by the Financial Conduct Authority (FCA) under reference number [FCA Number]. Our registered office is at 16 St John's Hill Grove, London SW11 2RG.

3. Services

We provide financial planning and advisory services including:

• Retirement planning and pension advice
• Investment planning and portfolio management
• Family protection and insurance planning
• General financial planning advice

All advice provided is based on your individual circumstances and objectives. We are committed to acting in your best interests at all times.

4. Client Obligations

As our client, you agree to:

• Provide accurate and complete information about your financial circumstances
• Inform us promptly of any material changes to your circumstances
• Pay our fees as agreed in our service agreement
• Consider our advice carefully before making financial decisions
• Notify us if you do not understand any aspect of our advice

5. Fees and Charges

Our fees will be clearly disclosed before we provide any advice or services. We may charge fees on an hourly basis, fixed fee basis, or percentage of assets under management. All fees will be agreed in advance and confirmed in writing.

Payment terms are typically 30 days from invoice date unless otherwise agreed. We reserve the right to charge interest on overdue amounts at 8% per annum above the Bank of England base rate.

6. Cancellation Rights

You have the right to cancel most financial services contracts within 14 days of entering into the agreement (the "cooling-off period"). For investment products, this period may be extended to 30 days. We will inform you of your specific cancellation rights for each product or service.

7. Complaints Procedure

We are committed to providing excellent service. If you are dissatisfied with our service, please contact us immediately. We have an internal complaints procedure and will investigate your complaint promptly and fairly.

If you remain dissatisfied, you may be able to refer your complaint to the Financial Ombudsman Service. We will provide you with details of our complaints procedure and your rights.

8. Professional Indemnity Insurance

We maintain professional indemnity insurance to cover our advice and services. Details of our insurance coverage are available on request.

9. Limitation of Liability

Our liability for any loss or damage arising from our services is limited to the extent permitted by law and our professional indemnity insurance. We will not be liable for:

• Any loss arising from your failure to follow our advice
• Market movements or performance of recommended investments
• Actions of third-party product providers
• Any indirect or consequential losses

10. Confidentiality

We will treat all information you provide as confidential and will not disclose it to third parties except where required by law or regulation, or with your explicit consent. Please refer to our Privacy Policy for more details.

11. Website Use

The information on our website is for general guidance only and does not constitute financial advice. You should not rely on this information to make financial decisions without seeking professional advice.

You agree not to:

• Use our website for any unlawful purpose
• Transmit any harmful or malicious code
• Attempt to gain unauthorized access to our systems
• Reproduce our content without permission

12. Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of Airy Trail Financial Planning or our licensors and is protected by copyright and other intellectual property laws.

13. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content or privacy practices of these websites. We recommend reviewing their terms and privacy policies before using their services.

14. Changes to Terms

We may update these Terms from time to time. Any changes will be posted on this page with an updated effective date. Your continued use of our website or services after changes are posted constitutes acceptance of the new Terms.

15. Governing Law

These Terms are governed by English law and subject to the jurisdiction of the English courts. Any disputes will be resolved through negotiation or, if necessary, through the courts of England and Wales.

16. Contact Information

If you have any questions about these Terms, please contact us: