Terms of Use

Agreement to Terms

By accessing and using the Lucid Tract website, you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our website or services.

Use of Website

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

• Use the website in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to any part of the website
• Interfere with the proper functioning of the website
• Use automated systems to access the website without our permission
• Transmit any malicious code or harmful content
• Impersonate any person or entity

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Lucid Tract or its content suppliers and is protected by intellectual property laws.

You may view and print pages from the website for your personal use, but you may not:

• Republish material from this website
• Sell, rent, or sub-license website content
• Reproduce, duplicate, or copy website content for commercial purposes
• Redistribute content from this website without permission

Information and Advice

The information provided on this website is for general informational purposes only and does not constitute financial advice.

Pension and retirement planning is complex and individual circumstances vary significantly. The content on this website should not be relied upon as a substitute for professional advice tailored to your specific situation.

Formal financial advice is only provided through our regulated advisory services following a comprehensive review of your circumstances.

Accuracy of Information

While we strive to ensure the information on our website is accurate and up-to-date, we make no warranties or representations regarding:

• The accuracy, completeness, or timeliness of information
• The suitability of information for any particular purpose
• The outcomes of following any information provided

Pension regulations and tax laws change frequently. Information that was accurate at the time of publication may become outdated.

Third-Party Links

Our website may contain links to third-party websites for your convenience. We do not endorse or assume responsibility for the content, privacy policies, or practices of these external sites.

Accessing third-party websites is at your own risk, and you should review their terms and policies before engaging with them.

Limitation of Liability

To the fullest extent permitted by law, Lucid Tract shall not be liable for:

• Any direct, indirect, incidental, or consequential damages arising from use of this website
• Loss of profits, data, or business opportunities
• Errors or omissions in website content
• Unavailability or interruption of the website
• Actions taken based on website content without obtaining professional advice

This limitation applies even if we have been advised of the possibility of such damages.

Service Terms

When you engage our pension planning services, separate terms and conditions will apply. These will be provided in writing before you commit to any paid services.

Our advisory services are regulated by the Financial Conduct Authority and subject to specific regulatory requirements and protections.

User Submissions

Any information you submit through contact forms, emails, or other means may be used by us to:

• Respond to your enquiries
• Provide the services you request
• Improve our website and services

By submitting information, you confirm that:

• The information is accurate to the best of your knowledge
• You have the right to provide this information
• You consent to our use of the information as described in our Privacy Policy

Availability and Technical Issues

We strive to maintain continuous availability of our website but cannot guarantee uninterrupted access. The website may be unavailable due to:

• Scheduled maintenance
• Technical difficulties
• Factors beyond our control

We reserve the right to suspend or withdraw access to the website without notice.

Indemnification

You agree to indemnify and hold harmless Lucid Tract, its directors, employees, and agents from any claims, losses, or damages arising from:

• Your use of the website
• Your violation of these Terms of Use
• Your violation of any rights of another party

Regulatory Information

Lucid Tract is authorized and regulated by the Financial Conduct Authority for pension transfer and advisory services. Our regulatory permissions can be verified on the FCA register.

We are bound by FCA conduct rules and client protection requirements when providing regulated advice.

Governing Law

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

Changes to Terms

We reserve the right to modify these Terms of Use at any time. 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.

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-specific terms, constitute the entire agreement between you and Lucid Tract regarding use of this website.

Contact Information

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

Lucid Tract
42 Wellington Street
Leeds, LS1 4JJ
United Kingdom

Email: [email protected]