Terms of Use

Last updated: January 2024

These Terms of Use govern your access to and use of the haunted-spire website and the services provided by haunted-spire Retirement Services Ltd. By accessing or using our website, you agree to be bound by these terms.

About Us

This website is operated by haunted-spire Retirement Services Ltd, a company registered in England and Wales under company number 07284519. Our registered office is at 47 Wellington Street, Bristol BS1 4QH, United Kingdom.

Nature of Our Services

haunted-spire provides retirement planning information, education, and guidance services. Our services are designed to help individuals understand their pension options and make informed decisions about their retirement.

Important: We do not provide regulated financial advice as defined by the Financial Conduct Authority. We do not recommend specific financial products or make investment decisions on your behalf. For regulated financial advice, including specific recommendations about pension transfers, investment products, or other financial products, you should consult a suitably qualified and regulated financial adviser.

Website Use

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

Use the website in any way that violates applicable local, national, or international law
Use the website to transmit any unsolicited advertising or promotional material
Attempt to gain unauthorised access to any part of the website or any server, computer, or database connected to the website
Use any automated means to access the website or collect information from it
Interfere with or disrupt the operation of the website

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of haunted-spire Retirement Services Ltd or our content suppliers and is protected by copyright and other intellectual property laws.

You may view, download, and print pages from the website for your personal, non-commercial use, provided you do not modify the content and you keep intact all copyright and proprietary notices.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content from this website for commercial purposes without our prior written consent.

Information Accuracy

We make reasonable efforts to ensure the information on our website is accurate and up to date. However, pension regulations and tax rules change frequently, and we cannot guarantee that all information is current at the time you access it.

The information provided on this website is for general informational purposes only. It should not be relied upon as a substitute for professional advice tailored to your individual circumstances.

We accept no responsibility for any loss or damage arising from reliance on information contained on this website.

Service Agreements

If you engage our services, a separate service agreement will govern the terms of that engagement. The service agreement will set out the specific services to be provided, fees, and other relevant terms.

These Terms of Use apply to your general use of the website and supplement any service agreement you may enter into with us.

Third-Party Links

Our website may contain links to third-party websites that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites.

The inclusion of any link does not imply our endorsement of the linked website or any association with its operators. We encourage you to read the terms and conditions and privacy policies of any third-party website you visit.

Limitation of Liability

To the fullest extent permitted by law, haunted-spire Retirement Services Ltd shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the website or our services.

Our total liability to you for any claims arising from or related to these Terms of Use or your use of the website shall not exceed the amount you have paid to us for services in the twelve months preceding the claim, or £100, whichever is greater.

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by law.

Indemnification

You agree to indemnify and hold harmless haunted-spire Retirement Services Ltd and its directors, officers, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the website or your breach of these Terms of Use.

Changes to These Terms

We reserve the right to modify these Terms of Use at any time. Any changes will be posted on this page with an updated revision date. Your continued use of the website after any changes constitutes your acceptance of the modified terms.

We encourage you to review these terms periodically to stay informed of any updates.

Termination

We may terminate or suspend your access to the website at any time, without prior notice or liability, for any reason, including if you breach these Terms of Use.

Upon termination, your right to use the website will immediately cease. All provisions of these terms which by their nature should survive termination shall survive.

Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising from or related to these terms or your use of the website shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Severability

If any provision of these Terms of Use is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms of Use, together with our Privacy Policy and Cookies Policy, constitute the entire agreement between you and haunted-spire Retirement Services Ltd regarding your use of the website, superseding any prior agreements.

Contact Information

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

haunted-spire Retirement Services Ltd
47 Wellington Street
Bristol BS1 4QH
United Kingdom

Email: [email protected]