Terms of Use

Introduction

Welcome to the freshen-glow website. These Terms of Use govern your access to and use of our website, located at freshen-glow.com. By accessing or using our website, you agree to be bound by these terms. If you do not agree with any part of these terms, you should not use our website.

Last updated: 9 April 2026

About freshen-glow

freshen-glow Limited is a retirement planning and pension advisory service registered in England and Wales under company number 06543210. Our registered office is at 42 Kensington High Street, London, W8 4PF, United Kingdom.

We are authorised and regulated by the Financial Conduct Authority under reference number 654321. You can verify our regulatory status on the FCA Register at register.fca.org.uk.

Use of Our Website

Subject to your compliance with these Terms of Use, we grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes.

Permitted Use

You may access our website to learn about our services, read informational content, and contact us regarding retirement planning advice. You may view, download, and print content for your personal reference.

Prohibited Use

You must not use our website in any way that:

Violates any applicable laws or regulations. Infringes intellectual property rights or other proprietary rights. Contains viruses, malware, or other harmful code. Attempts to gain unauthorized access to our systems or networks. Interferes with or disrupts the website or servers. Collects data from the website through automated means without permission. Impersonates any person or entity. Transmits spam, chain letters, or other unsolicited communications. Uses the website for any commercial purpose without our written consent.

Intellectual Property Rights

All content on our website, including text, graphics, logos, images, software, and design elements, is owned by or licensed to freshen-glow Limited and is protected by United Kingdom and international copyright, trademark, and other intellectual property laws.

Our Trademarks

The freshen-glow name and logo are trademarks of freshen-glow Limited. You may not use these trademarks without our prior written permission.

Limited License

Nothing in these terms grants you any ownership rights in our website content. You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise exploit any content from our website except as expressly permitted in these terms.

Information on Our Website

Our website provides general information about retirement planning and pension matters. This information is for educational purposes only and should not be construed as financial advice tailored to your specific circumstances.

Not Financial Advice

While we strive to provide accurate and up-to-date information, content on our website does not constitute personal financial advice. Retirement planning decisions should only be made after consultation with a qualified advisor who understands your individual situation.

Do not rely solely on website content for making financial decisions. Pension regulations and tax rules change regularly, and information that was accurate when published may become outdated.

Accuracy of Information

We make reasonable efforts to ensure information on our website is accurate and current. However, we do not warrant or guarantee the accuracy, completeness, or timeliness of any content. Information may contain technical inaccuracies or typographical errors.

We reserve the right to update, modify, or remove content at any time without notice.

Links to Third-Party Websites

Our website may contain links to external websites operated by third parties. These links are provided for your convenience and do not constitute an endorsement of the linked websites or their content.

We have no control over third-party websites and are not responsible for their content, privacy practices, or terms of use. Accessing third-party websites is at your own risk. We recommend reviewing the terms and privacy policies of any external sites you visit.

Privacy and Data Protection

Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms part of these Terms of Use. By using our website, you also agree to our Privacy Policy.

We are committed to protecting your privacy and complying with applicable data protection legislation, including the General Data Protection Regulation and the UK Data Protection Act 2018.

Disclaimer of Warranties

Our website is provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied.

To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that:

Our website will be uninterrupted, timely, secure, or error-free. The results obtained from using our website will be accurate or reliable. The quality of any information, products, or services obtained through our website will meet your expectations. Any errors in the website will be corrected.

Limitation of Liability

To the maximum extent permitted by law, freshen-glow Limited, its directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our website.

This includes, without limitation, damages for loss of profits, data, or other intangible losses, even if we have been advised of the possibility of such damages.

Where we cannot exclude liability by law, our total liability to you for all claims arising from your use of our website shall not exceed £100.

Exclusions

Nothing in these terms excludes or limits our liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under applicable law.

Indemnification

You agree to indemnify, defend, and hold harmless freshen-glow Limited and its directors, officers, employees, and agents from any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising from:

Your use of our website. Your violation of these Terms of Use. Your violation of any rights of another person or entity. Any content you submit or transmit through our website.

User Content

If you submit any content to our website, such as through contact forms or email communications, you grant us a non-exclusive, royalty-free, perpetual, worldwide license to use, reproduce, modify, and display such content for purposes related to providing our services and operating our website.

You represent and warrant that you own or have necessary rights to any content you submit and that such content does not violate the rights of any third party.

Availability and Technical Issues

We aim to ensure our website is available continuously, but we cannot guarantee uninterrupted access. Our website may be unavailable during maintenance periods or due to technical issues beyond our control.

We reserve the right to suspend, withdraw, or restrict access to all or any part of our website for business and operational reasons. We will attempt to provide reasonable notice of any planned downtime where feasible.

Security

While we implement security measures to protect our website and your information, no internet transmission or electronic storage method is completely secure. We cannot guarantee absolute security of information transmitted to or stored on our website.

You are responsible for maintaining the confidentiality of any passwords or account credentials. Notify us immediately if you suspect any unauthorized access to your account.

Compliance with Laws

You agree to comply with all applicable local, national, and international laws and regulations when using our website. You are responsible for ensuring that your use of our website is lawful in your jurisdiction.

Geographic Restrictions

Our website is intended for use by individuals located in the United Kingdom. We make no representation that content on our website is appropriate or available for use in other locations. If you access our website from outside the UK, you do so at your own initiative and are responsible for compliance with local laws.

Our services are only available to UK residents. Information about pension regulations and retirement planning on our website relates specifically to UK pension schemes and legislation.

Termination

We may terminate or suspend your access to our website immediately, without prior notice or liability, for any reason, including if you breach these Terms of Use.

Upon termination, your right to use our website will immediately cease. Provisions of these terms that by their nature should survive termination shall survive, including intellectual property provisions, disclaimers, indemnity obligations, and limitations of liability.

Changes to These Terms

We reserve the right to modify these Terms of Use at any time. When we make changes, we will update the "Last updated" date at the top of this page.

Significant changes will be notified through a prominent notice on our website or other appropriate means. Your continued use of our website after changes are posted constitutes acceptance of the revised terms.

We encourage you to review these terms periodically to stay informed of any updates.

Severability

If any provision of these Terms of Use is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.

Entire Agreement

These Terms of Use, together with our Privacy Policy and Cookies Policy, constitute the entire agreement between you and freshen-glow Limited regarding use of our website and supersede any prior agreements or understandings.

No Waiver

Our failure to enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of freshen-glow Limited.

Assignment

You may not assign or transfer your rights or obligations under these Terms of Use without our prior written consent. We may assign our rights and obligations under these terms without restriction.

Governing Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of England and Wales.

Any disputes arising from these terms or use of our website shall be subject to the exclusive jurisdiction of the courts of England and Wales. However, we retain the right to bring proceedings against you for breach of these terms in your country of residence or any other relevant jurisdiction.

Regulatory Information

As a regulated financial services firm, we are subject to oversight by the Financial Conduct Authority. If you have a complaint about our services that we cannot resolve, you may be able to refer the matter to the Financial Ombudsman Service.

Eligible clients are covered by the Financial Services Compensation Scheme (FSCS). Details about FSCS protection are available at fscs.org.uk.

Contact Information

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

freshen-glow Limited
42 Kensington High Street
London, W8 4PF
United Kingdom
Email: [email protected]

Accessibility

We are committed to making our website accessible to all users. If you experience accessibility issues or have suggestions for improvement, please let us know so we can address them.