Terms of Use - Ancient Liability

Introduction

These Terms of Use govern your access to and use of the Ancient Liability website ("the website"). By accessing or using the website, you agree to be bound by these terms.

If you do not agree with any part of these terms, you should not use the website.

About Ancient Liability

Ancient Liability Limited is a company registered in England and Wales under company number 08734521. Our registered office is at 142 Bishopsgate, London, EC2M 4AW.

We are authorised and regulated by the Financial Conduct Authority (FCA) under reference number 627834. You can verify our regulatory status on the FCA register at ancient-liability.com.uk.

Use of the Website

Permitted Use

You may use the website for lawful purposes only. Specifically, you may:

View and download content for personal, non-commercial use
Contact us to enquire about our services
Access information about pension planning and retirement

Prohibited Use

You must not use the website:

In any way that breaches applicable laws or regulations
To transmit or distribute viruses, malware, or other harmful code
To send unsolicited advertising or promotional material
To collect data or content for commercial purposes without our permission
To impersonate any person or misrepresent your identity
To interfere with the proper functioning of the website
To attempt unauthorised access to any part of the website or related systems

Intellectual Property Rights

All content on this website, including text, graphics, logos, images, and software, is the property of Ancient Liability Limited or our licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content from the website without our express written permission.

The Ancient Liability name and logo are trademarks of Ancient Liability Limited. You may not use these trademarks without our prior written consent.

Information on the Website

General Information Only

The content on this website is provided for general information purposes only. It should not be relied upon as specific financial advice for your individual circumstances.

Pension regulations and tax rules change frequently. While we make reasonable efforts to keep information current, we cannot guarantee that all content is completely up to date at the time you access it.

Not a Substitute for Professional Advice

Nothing on this website constitutes formal financial advice. For personalised pension advice based on your specific situation, you should engage our services through our formal advisory process.

We are not liable for any decisions you make based solely on information found on this website without obtaining professional advice.

No Guarantee of Outcomes

Any performance figures, projections, or examples provided on the website are illustrative only. Past performance does not guarantee future results. Pension values can fall as well as rise.

Client Engagement

Use of this website does not create a client relationship between you and Ancient Liability Limited. Such relationships are established only through our formal engagement process, which includes:

Initial consultation to understand your needs
Provision of our Terms of Business
Agreement on services and fees
Completion of client due diligence requirements
Execution of a formal client agreement

Until a formal client relationship is established, we owe you no fiduciary duty and you should not act in reliance on information from the website alone.

Third-Party Links

Our website may contain links to third-party websites for your convenience. We do not control these external sites and are not responsible for their content, privacy practices, or availability.

The inclusion of any link does not imply endorsement of the linked site. You access third-party sites at your own risk and should review their terms and privacy policies.

Availability and Technical Issues

We aim to ensure the website is available continuously, but we cannot guarantee uninterrupted access. The website may be unavailable due to:

Scheduled maintenance
Technical failures
Circumstances beyond our reasonable control

We are not liable for any loss or inconvenience caused by the website being unavailable.

While we take reasonable steps to ensure the website is free from viruses and other harmful code, we cannot guarantee this absolutely. You should use appropriate security software when accessing the internet.

Limitation of Liability

To the fullest extent permitted by law, Ancient Liability Limited excludes all liability for any loss or damage arising from use of this website, whether direct, indirect, or consequential.

This includes but is not limited to:

Financial losses resulting from reliance on website content
Losses from viruses or technical issues
Losses from website unavailability
Losses from inaccurate or outdated information

Nothing in these terms excludes or limits our liability for:

Death or personal injury caused by our negligence
Fraud or fraudulent misrepresentation
Any other liability that cannot be excluded by law

Where we provide formal financial advice under a client engagement, our liability is governed by the client agreement and our professional indemnity insurance, not these website terms.

Privacy and Data Protection

Our use of personal information collected through the website is governed by our Privacy Policy, which should be read in conjunction with these Terms of Use.

By using the website, you consent to the collection and use of information as described in our Privacy Policy.

User Content

If you submit content to the website (such as through enquiry forms or email), you grant us a non-exclusive licence to use, reproduce, and publish that content for the purpose of responding to your enquiry and providing our services.

You warrant that any content you submit:

Is accurate to the best of your knowledge
Does not infringe any third-party rights
Does not contain defamatory or unlawful material
Does not contain viruses or harmful code

Regulatory Information

FCA Authorisation

Ancient Liability Limited is authorised and regulated by the Financial Conduct Authority. Being FCA regulated means we must adhere to strict standards regarding:

Competence and knowledge
Client treatment and communication
Financial promotions and marketing
Conflicts of interest
Record keeping and reporting

Financial Services Compensation Scheme

As an FCA-regulated firm, eligible clients may be covered by the Financial Services Compensation Scheme (FSCS) if we cannot meet our liabilities. Further information is available at www.ancient-liability.com.uk.

Complaints

If you have a complaint about our services (as opposed to the website), our formal complaints procedure is provided in our Terms of Business. You may also have the right to refer complaints to the Financial Ombudsman Service.

Changes to These Terms

We may revise these Terms of Use at any time by updating this page. The revised terms take effect when published on the website.

Your continued use of the website after changes are posted constitutes acceptance of the revised terms. We recommend reviewing these terms periodically.

Significant changes will be highlighted through a notice on the website.

Severability

If any provision of these Terms of Use is found to be invalid or unenforceable, that provision shall be deemed severed from these terms and 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 Ancient Liability Limited regarding use of the website.

They supersede any prior agreements or understandings relating to the website.

Governing Law and Jurisdiction

These Terms of Use are governed by the laws of England and Wales. Any disputes arising from these terms or use of the 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, please contact us:

Ancient Liability Limited
142 Bishopsgate
London
EC2M 4AW
United Kingdom

Email: [email protected]