Terms of Use

Last updated: May 2026

Agreement to Terms

By accessing or using the gleam-spray website and services, you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing our services.

Scope of Services

gleam-spray provides pension planning and retirement advisory services. Our services include comprehensive pension reviews, retirement strategy planning, ongoing advisory services, workplace pension optimization, drawdown planning, and pension consolidation services.

Professional Relationship

When you engage our services, we establish a professional advisory relationship. This relationship is governed by:

• These Terms of Use
• Individual service agreements
• Financial Conduct Authority regulations
• Professional standards and codes of conduct

Service Limitations

Our services are provided for informational and advisory purposes. While we strive for accuracy:

• We cannot guarantee specific financial outcomes
• Pension values and investment returns may fluctuate
• Regulatory changes may affect pension planning
• Individual circumstances vary and require personalized assessment

Client Responsibilities

When using our services, you agree to:

• Provide accurate and complete information
• Inform us promptly of any changes to your circumstances
• Review all recommendations and documentation carefully
• Make independent decisions based on your own judgment
• Seek additional professional advice when appropriate

Fees and Payment

Service fees are clearly stated for each offering. By requesting a service, you agree to pay the applicable fees. Payment terms:

• Fees are due as specified in the service agreement
• Ongoing services are billed monthly in advance
• Prices are subject to change with reasonable notice
• Refund policies are outlined in individual service agreements

Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of gleam-spray and protected by copyright and other intellectual property laws. You may not:

• Reproduce content without written permission
• Use content for commercial purposes without authorization
• Modify or create derivative works
• Remove copyright or proprietary notices

Confidentiality

We maintain strict confidentiality regarding client information, as outlined in our Privacy Policy and professional obligations. You acknowledge that:

• Financial information you provide is sensitive
• We implement security measures to protect your data
• Certain information may be shared as legally required
• You should protect your account credentials

Website Use

When using our website, you agree not to:

• Use the site for any unlawful purpose
• Attempt to gain unauthorized access
• Interfere with site functionality or security
• Transmit harmful code or malware
• Collect user information without consent
• Impersonate others or misrepresent your identity

Third-Party Links

Our website may contain links to third-party websites. These links are provided for convenience only. We do not endorse or assume responsibility for third-party content, products, or services.

Disclaimers

To the fullest extent permitted by law:

• Services are provided "as is" without warranties of any kind
• We do not guarantee uninterrupted or error-free service
• We are not liable for technical failures or data loss
• Past performance does not guarantee future results
• Pension projections are estimates based on assumptions

Limitation of Liability

gleam-spray and its advisors shall not be liable for:

• Indirect, consequential, or punitive damages
• Loss of profits, data, or opportunities
• Decisions made based on our recommendations
• Market fluctuations or investment losses
• Regulatory or legislative changes

Our total liability is limited to the fees paid for the specific service in question.

Indemnification

You agree to indemnify and hold harmless gleam-spray from claims, damages, or expenses arising from:

• Your breach of these terms
• Your violation of any laws or regulations
• Your misuse of our services or website
• Provision of inaccurate information

Regulatory Compliance

Our services comply with Financial Conduct Authority regulations. We are authorized and regulated to provide pension planning and retirement advisory services within the United Kingdom.

Termination

We reserve the right to terminate or suspend access to our services:

• For violation of these terms
• For non-payment of fees
• If provision of accurate information is refused
• At our discretion with reasonable notice

You may terminate ongoing services in accordance with your service agreement terms.

Governing Law

These terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

Dispute Resolution

If you have a complaint about our services:

1. Contact us directly at [email protected]
2. We will acknowledge within 5 business days
3. We aim to resolve complaints within 8 weeks
4. If unresolved, you may contact the Financial Ombudsman Service

Changes to Terms

We may revise these terms at any time. Continued use of our services after changes constitutes acceptance of modified terms. Significant changes will be communicated via email or website notice.

Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Entire Agreement

These Terms of Use, together with our Privacy Policy and individual service agreements, constitute the entire agreement between you and gleam-spray regarding use of our services.

Contact Information

For questions about these Terms of Use, contact:

gleam-spray
42 Kingsway
London WC2B 6EX
United Kingdom
Email: [email protected]