Terms and Conditions

**1. Introduction**
Welcome to Changing Futures Financial Planning. These Terms and Conditions govern your use of our website and our financial planning services, including Retirement & Pension Advice, Retirement Planning, Financial Advisory, Pension Drawdown, Annuities, Pension Consolidation, and At-Retirement Decisions. By using our website and services, you agree to comply with and be bound by these terms.

**2. Services Offered**
We provide expert financial planning services focusing on retirement and pension strategies, tailored specifically for individuals in their late 40s to 60s with multiple pension pots. Our services are detailed on the ‘Services’ section of our website.

**3. User Obligations**
Users must provide accurate and complete information when required and must use our services and website only for lawful purposes. Misuse of the website or services is strictly prohibited and may result in service termination and legal actions.

**4. Intellectual Property**
All content on our website, including text, graphics, logos, and images, is the property of Changing Futures Financial Planning or its content suppliers and protected by UK and international copyright laws.

**5. Liability Limitation**
Changing Futures Financial Planning will not be liable for any indirect, special, incidental, or consequential damages arising out of the use or inability to use our services or website.

**6. Complaints and Dispute Resolution**
Any disputes related will first be attempted to resolve through direct negotiation. If unresolved, disputes shall be subject to the jurisdiction of the courts of England and Wales.

**7. Governing Law**
These Terms are governed by and construed in accordance with the laws of England and Wales.

**Contact Information**
For any queries or concerns regarding these Terms and Conditions, please contact us:
– Email: saul@aegisfp.com
– Phone: 07715 294 959