Terms of Use

Agreement to Terms

Welcome to the dreamshade-pond website. By accessing or using this website, you agree to be bound by these terms of use. If you do not agree with any part of these terms, please do not use our website.

These terms apply to your use of our website and the information contained within it. Separate terms and conditions govern the provision of our pension planning and advisory services, which will be provided to you when you engage our services.

About dreamshade-pond

This website is operated by dreamshade-pond Limited, a company registered in England and Wales under company number 08472639. Our registered office is at 47 Threadneedle Street, London, EC2R 8AU, United Kingdom.

dreamshade-pond Limited is authorised and regulated by the Financial Conduct Authority (FCA) under reference number 743892. You can verify our regulatory status on the FCA register at register.fca.org.uk.

Website Purpose and Information

This website provides general information about our pension planning and retirement advisory services. The content is intended for informational purposes and should not be construed as financial advice specific to your circumstances.

Pension decisions are complex and depend on your individual situation. The information on this website does not constitute regulated financial advice. If you require personalised pension advice, please contact us to arrange a consultation with one of our qualified advisers.

Accuracy of Information

We make every effort to ensure that the information on this website is accurate and up to date. However, pension regulations, tax rules, and allowances change frequently, and we cannot guarantee that all information remains current at all times.

The content is provided for general guidance only. You should not rely on this information to make financial decisions without seeking professional advice tailored to your specific circumstances.

We reserve the right to update, modify, or remove any content on this website at any time without prior notice.

No Client Relationship

Accessing or using this website does not create a client-adviser relationship between you and dreamshade-pond Limited. A formal advisory relationship is established only when we have agreed terms of engagement in writing and you have accepted our services.

Any information you provide through this website (such as through contact forms or email) does not create a duty of care on our part until we have formally agreed to provide you with advisory services.

Use of the Website

You may use this website for lawful purposes only. When using our website, you agree not to:

• Use the website in any way that violates applicable laws or regulations
• Attempt to gain unauthorised access to any part of the website, servers, or networks
• Introduce viruses, trojans, or other malicious code
• Attempt to interfere with the proper functioning of the website
• Use automated systems or software to extract data from the website without our permission
• Reproduce, duplicate, copy, or resell any part of the website for commercial purposes without our consent
• Misrepresent your identity or affiliation with any person or organisation

Intellectual Property Rights

All content on this website, including text, graphics, logos, images, and software, is the property of dreamshade-pond Limited or its content suppliers and is protected by United Kingdom and international copyright laws.

The dreamshade-pond name and logo are trademarks of dreamshade-pond Limited. You may not use these trademarks without our prior written permission.

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

Links to Third-Party Websites

Our website may contain links to third-party websites that are not owned or controlled by dreamshade-pond Limited. We provide these links for your convenience, but we have no control over the content, privacy policies, or practices of these external sites.

We do not endorse or assume any responsibility for third-party websites or their content. You access external links at your own risk, and we recommend reviewing the terms and privacy policies of any third-party sites you visit.

Limitation of Liability

We take reasonable care to ensure that our website is available and functions correctly. However, we do not guarantee that the website will be uninterrupted, secure, or free from errors or viruses.

To the fullest extent permitted by law, dreamshade-pond Limited excludes all liability for any loss or damage arising from your use of this website, including but not limited to:

• Direct or indirect financial loss
• Loss of data or information
• Loss of business, revenue, or profits
• Wasted expenditure
• Damage to your computer system or loss of data resulting from your use of the website

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 under English law.

Regulatory Information and Disclaimers

dreamshade-pond Limited is authorised and regulated by the Financial Conduct Authority for pension advice and related investment activities. Our FCA reference number is 743892.

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested. Past performance is not a guide to future performance. Tax treatment depends on individual circumstances and may be subject to change in the future.

The Financial Services Compensation Scheme (FSCS) may provide protection for eligible investors if we are unable to meet our liabilities. Most types of investment business are covered for up to £85,000 per person. Further information is available from the FSCS at fscs.org.uk.

Privacy and Data Protection

Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using this website, you consent to the processing of your data as described in our Privacy Policy.

Please review our Privacy Policy, GDPR compliance page, and Cookies Policy for detailed information about our data practices.

User-Generated Content

We do not currently allow users to post content, comments, or reviews on our website. Should we introduce such features in the future, these terms will be updated to address user-generated content.

Complaints

If you have a complaint about our website or our services, please contact us in the first instance:

Email: [email protected]
Post: Complaints Department, dreamshade-pond Limited, 47 Threadneedle Street, London, EC2R 8AU

We will acknowledge your complaint within five working days and aim to provide a full response within four weeks.

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

Financial Ombudsman Service
Exchange Tower
London
E14 9SR

Telephone: 0800 023 4567
Website: financial-ombudsman.org.uk

Indemnity

You agree to indemnify and hold harmless dreamshade-pond Limited, its directors, employees, and agents from any claims, losses, damages, liabilities, and expenses (including legal fees) arising from your use of this website or your breach of these terms of use.

Severability

If any provision of these terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

Entire Agreement

These terms of use, together with our Privacy Policy, GDPR page, and Cookies Policy, constitute the entire agreement between you and dreamshade-pond Limited regarding your use of this website, superseding any prior agreements or understandings.

Changes to These Terms

We reserve the right to modify these terms of use at any time. Changes will be effective immediately upon posting to the website. We will update the "last updated" date at the top of this page to reflect when changes were made.

Your continued use of the website following the posting of changes constitutes your acceptance of those changes. We recommend reviewing these terms periodically to stay informed of any updates.

If we make material changes that significantly affect your rights, we will provide more prominent notice, such as a banner on our homepage or an email notification to registered users.

Governing Law and Jurisdiction

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

Contact Information

If you have questions about these terms of use or any aspect of our website, please contact us:

dreamshade-pond Limited
47 Threadneedle Street
London
EC2R 8AU
United Kingdom

Email: [email protected]

Acknowledgement

By using this website, you acknowledge that you have read, understood, and agree to be bound by these terms of use. If you do not agree to these terms, please discontinue your use of the website immediately.