Terms of Service

1. Introduction

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

2. Services

2.1 Financial Planning Services

We provide financial planning and advisory services including but not limited to:

• Investment advice and portfolio management
• Pension planning and retirement advice
• Insurance and protection planning
• Tax planning strategies
• Estate planning advice

2.2 Regulatory Compliance

Our services are provided in accordance with Financial Conduct Authority (FCA) regulations. We are authorised and regulated by the FCA.

3. Client Responsibilities

As a client, you agree to:

• Provide accurate and complete information about your financial situation
• Inform us promptly of any material changes to your circumstances
• Review all recommendations and documentation carefully
• Make your own informed decisions regarding financial products
• Pay all fees and charges as agreed

4. Fees and Charges

Our fee structure will be clearly disclosed in our service agreement. Fees may include:

• Initial consultation fees
• Ongoing advisory fees
• Product-related charges
• Transaction fees

5. Investment Risks

Important risk warnings:

• The value of investments can fall as well as rise
• Past performance is not a guide to future performance
• You may get back less than you invested
• Income from investments may fluctuate
• Tax treatment depends on individual circumstances and may change

6. Limitations of Liability

Our liability is limited as follows:

• We will not be liable for losses arising from your failure to follow our advice
• We are not responsible for the performance of recommended investments
• Our total liability is limited to the amount of Professional Indemnity Insurance we maintain
• We exclude liability for indirect or consequential losses

7. Confidentiality

We will maintain the confidentiality of your personal and financial information in accordance with:

• FCA regulations
• Data Protection Act 2018
• UK GDPR requirements
• Professional standards

8. Complaints Procedure

If you have a complaint about our services:

1. Contact us directly to discuss the matter
2. If unresolved, submit a formal written complaint
3. We will investigate and respond within 8 weeks
4. You may refer unresolved complaints to the Financial Ombudsman Service

9. Termination

Either party may terminate our relationship by giving written notice. Upon termination:

• We will provide final advice and documentation
• Outstanding fees become immediately payable
• Confidentiality obligations continue
• We will assist with the transfer to a new adviser

10. Website Use

10.1 Permitted Use

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

• Use the website for any illegal activities
• Attempt to gain unauthorised access to our systems
• Upload malicious code or viruses
• Infringe intellectual property rights

10.2 Content Accuracy

While we strive for accuracy, we cannot guarantee that all website content is error-free or current. Information should not be relied upon as specific advice.

11. Intellectual Property

All content on our website, including text, graphics, logos, and software, is our property or licensed to us and is protected by copyright and other intellectual property laws.

12. Governing Law

These Terms are governed by English law and subject to the exclusive jurisdiction of the English courts.

13. Changes to Terms

We may update these Terms from time to time. Significant changes will be communicated to clients, and continued use of our services constitutes acceptance of the revised Terms.

14. Contact Information

For questions about these Terms or to make a complaint, contact us:

15. Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. Most types of investment business are covered up to a maximum of £85,000.