Terms of Service

1. Introduction

These Terms of Service ("Terms") govern your use of the website and services provided by Radiant Patch Financial Services Ltd ("we", "our", or "us"). By accessing our website or using our services, you agree to be bound by these Terms.

Radiant Patch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number [FCA Reference]. Our registered office is located at 123 Financial District, Canary Wharf, London E14 5AB, United Kingdom.

2. Services

2.1 Financial Services

We provide pension advice and financial planning services including:

• Pension planning and review
• Self-Invested Personal Pension (SIPP) advice
• Pension transfer advice
• Retirement planning
• Investment advice related to pensions

2.2 Regulatory Status

All our financial advice is provided in accordance with FCA rules and regulations. We are covered by the Financial Services Compensation Scheme (FSCS) for eligible claims.

3. Client Relationship

3.1 Client Categorisation

We will categorise you as a "retail client" unless otherwise agreed in writing. This provides you with the highest level of regulatory protection.

3.2 Suitability

Our advice will be suitable for your individual circumstances based on the information you provide. You must ensure all information provided is accurate and complete.

3.3 Client Responsibilities

You agree to:

• Provide accurate and complete information
• Inform us of any changes to your circumstances
• Read all documentation provided
• Ask questions if anything is unclear
• Make your own decisions based on our advice

4. Fees and Charges

4.1 Initial Consultation

We offer an initial consultation at no charge to discuss your requirements and our services.

4.2 Ongoing Fees

Our fees will be clearly disclosed and agreed before providing any chargeable services. Fees may include:

• Initial advice fees
• Implementation fees
• Ongoing review fees
• Product charges

4.3 Payment Terms

Fees are payable as agreed in your client agreement. We reserve the right to charge interest on overdue amounts.

5. Website Use

5.1 Permitted Use

You may use our website for lawful purposes only. You agree not to:

• Use the site in any way that is unlawful or fraudulent
• Transmit or distribute viruses or malicious code
• Attempt to gain unauthorised access to our systems
• Use the site to spam or send unsolicited communications
• Infringe our intellectual property rights

5.2 Content Accuracy

While we strive to ensure information on our website is accurate, we cannot guarantee it is always current or complete. Website content is for general information only and does not constitute financial advice.

6. Intellectual Property

All content on our website, including text, graphics, logos, and software, is our property or licensed to us. You may not reproduce, distribute, or modify any content without our written permission.

7. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information. By using our services, you consent to our data practices as described in our Privacy Policy.

8. Disclaimers and Limitations

8.1 Investment Risks

All investments carry risk, and you may get back less than you invested. Past performance is not a guide to future performance. We cannot guarantee the performance of any investment or pension product.

8.2 Limitation of Liability

To the maximum extent permitted by law, we exclude liability for:

• Indirect, consequential, or special damages
• Loss of profits, revenue, or business opportunities
• Decisions made contrary to our advice
• Market movements affecting investment values

8.3 Maximum Liability

Our total liability to you shall not exceed the amount of fees paid by you to us in the 12 months preceding the claim.

9. Professional Indemnity Insurance

We maintain professional indemnity insurance in accordance with FCA requirements. Details of our coverage are available upon request.

10. Complaints Procedure

10.1 Internal Complaints

If you have a complaint, please contact us in writing. We will investigate and respond within 8 weeks.

10.2 Financial Ombudsman Service

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

11. Anti-Money Laundering

We are required to verify your identity and source of funds in accordance with anti-money laundering regulations. We may need to see original documentation and conduct electronic verification checks.

12. Conflicts of Interest

We maintain a conflicts of interest policy to identify and manage potential conflicts. Where conflicts cannot be avoided, we will disclose them to you before providing services.

13. Termination

13.1 Termination by You

You may terminate our services at any time by giving written notice. You will remain liable for fees incurred up to the termination date.

13.2 Termination by Us

We may terminate our services by giving 30 days' written notice or immediately if you breach these Terms.

14. Force Majeure

We will not be liable for any failure to perform our obligations due to circumstances beyond our reasonable control, including natural disasters, government actions, or system failures.

15. Governing Law

These Terms are governed by English law, and any disputes will be subject to the exclusive jurisdiction of the English courts.

16. Changes to Terms

We may update these Terms from time to time. Material changes will be notified to you in advance. Continued use of our services constitutes acceptance of updated Terms.

17. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

18. Contact Information

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