Terms of Use

Agreement to Terms

By accessing and using the Lumen Structures website, you agree to be bound by these Terms of Use. If you disagree with any part of these terms, you should not use our website or services.

Services Description

Lumen Structures provides pension planning, consolidation, and retirement advisory services. Our services are subject to separate service agreements that outline specific terms, fees, and obligations.

Regulatory Information

Lumen Structures is authorized and regulated by the Financial Conduct Authority (FCA). Our pension advisory services comply with FCA regulations and professional standards governing financial advice in the United Kingdom.

Website Use

You may use this website for lawful purposes only. You agree not to:

• Violate any applicable laws or regulations
• Transmit harmful code, viruses, or malicious software
• Attempt unauthorized access to our systems or networks
• Interfere with other users' access to the website
• Collect or harvest personal data without authorization
• Use automated systems to access the website without permission

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Lumen Structures and protected by UK and international copyright laws. You may not reproduce, distribute, or create derivative works without our express written permission.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the website for personal, non-commercial purposes. This license does not include any right to:

• Modify or copy website materials
• Use materials for commercial purposes
• Remove copyright or proprietary notices
• Transfer materials to another person

Information Accuracy

While we strive to ensure all information on our website is accurate and up to date, we make no warranties about the completeness, reliability, or accuracy of this information. Pension regulations and tax laws change frequently; always verify current information with a qualified advisor.

No Financial Advice

Information provided on this website is for general educational purposes and does not constitute financial advice. Personalized pension advice is only provided through our formal advisory services following a comprehensive assessment of your individual circumstances.

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 the content, privacy policies, or practices of third-party sites.

Limitation of Liability

To the fullest extent permitted by law, Lumen Structures shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the website or services.

We do not exclude or limit liability for:

• Death or personal injury caused by negligence
• Fraud or fraudulent misrepresentation
• Any liability that cannot be excluded under UK law

Service Agreements

Specific pension advisory services are governed by separate service agreements that detail:

• Scope of services provided
• Fees and payment terms
• Client and advisor responsibilities
• Complaints procedures
• Terms of engagement

Privacy and Data Protection

Your use of this website is also governed by our Privacy Policy and GDPR compliance statement. Please review these documents to understand how we collect, use, and protect your personal information.

Indemnification

You agree to indemnify and hold Lumen Structures harmless from any claims, losses, damages, or expenses (including legal fees) arising from your violation of these Terms of Use or your use of the website.

Changes to Terms

We reserve the right to modify these Terms of Use at any time. Material changes will be posted on this page with an updated "Last updated" date. Your continued use of the website after changes are posted constitutes acceptance of the modified terms.

Termination

We may terminate or suspend your access to the website immediately, without prior notice, if you breach these Terms of Use. Upon termination, your right to use the website will cease immediately.

Governing Law

These Terms of Use are governed by the laws of England and Wales. Any disputes arising from these terms or your use of the website shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Severability

If any provision of these Terms of Use is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

Entire Agreement

These Terms of Use, together with our Privacy Policy and any service agreements, constitute the entire agreement between you and Lumen Structures regarding use of the website.

Contact Information

If you have questions about these Terms of Use, please contact us:

Email: [email protected]
Address: 47 Kingsway Boulevard, Cheltenham, GL50 2PF, United Kingdom