Terms of Use

Acceptance of Terms

These terms of use govern your access to and use of the Brightmelt Habitat website and services. By accessing this website or engaging our services, you accept and agree to be bound by these terms.

If you disagree with any part of these terms, you should not use our website or services. Your continued use constitutes acceptance of any updates or modifications we make to these terms.

About Brightmelt Habitat

Brightmelt Habitat Limited is a company registered in England and Wales under company number 08847362. Our registered office is located at 42 Threadneedle Street, London EC2R 8AY.

We are authorised and regulated by the Financial Conduct Authority under reference number 742158. You can verify our regulatory status on the FCA Register at register.fca.org.uk

We provide retirement planning and pension advisory services to individuals across the United Kingdom, operating under strict professional and regulatory standards.

Website Content and Information

The information provided on this website is for general informational purposes only. It does not constitute financial advice tailored to your specific circumstances.

Financial decisions should be based on professional advice that considers your complete situation, not solely on generic website content. While we strive for accuracy, information on this site may not reflect the most recent regulatory changes or market conditions.

Nothing on this website should be interpreted as an invitation or inducement to engage in investment activity. Any decision to use our services should follow appropriate consideration and, where relevant, independent research.

Tax treatment depends on individual circumstances and may change in future. Tax rules are complex and our general website content cannot address every situation.

No Client Relationship

Accessing our website or reading its content does not create a client relationship or advisory relationship between you and Brightmelt Habitat. Such relationships are established only through formal engagement following initial consultations and written agreement.

Unsolicited information you provide through our website does not create any duty of confidentiality on our part unless we've entered into a formal agreement. Contact initiated through our website is exploratory and does not obligate either party.

Service Terms and Engagement

When you engage our professional services, separate terms of business apply. These terms are provided in writing before we begin substantive work and detail the specific services we'll provide, fees, timescales, and respective responsibilities.

Our service terms of business take precedence over these website terms for matters related to advisory services. These website terms govern only your use of the website itself, not the professional services we provide.

Initial consultations are exploratory and create no obligation on either party to proceed. We reserve the right to decline engagements where we determine our services aren't suitable or where conflicts of interest exist.

Intellectual Property

All content on this website, including text, graphics, logos, designs, and the overall arrangement, is owned by or licensed to Brightmelt Habitat and protected by copyright, trademark, and other intellectual property laws.

You may view, download, and print pages from this website for personal reference related to considering our services. You may not reproduce, republish, distribute, modify, or commercially exploit website content without our written permission.

Systematic extraction of content through automated means is prohibited. This includes web scraping, data mining, or similar data gathering activities.

The Brightmelt Habitat name and logo are trademarks. Unauthorised use of these marks is prohibited and may violate trademark law.

Accuracy and Completeness

We make reasonable efforts to ensure website information is accurate and current. However, we do not guarantee completeness, accuracy, or timeliness of content.

Financial services regulations, tax rules, and market conditions change frequently. Content that was accurate when published may become outdated. We update the website periodically but cannot guarantee all information reflects the latest developments.

You should not rely solely on website content for important financial decisions. Professional advice considering your specific circumstances is essential.

Limitation of Liability

To the fullest extent permitted by law, Brightmelt Habitat excludes all warranties, representations, and conditions relating to this website and its use.

We are not liable for any loss or damage arising from your use of this website or reliance on its content. This includes direct, indirect, consequential, or incidental losses, whether arising from breach of contract, negligence, or otherwise.

We do not guarantee that the website will be available continuously or that it will be error-free. Access may be interrupted for maintenance, updates, or due to factors beyond our control.

This limitation of liability applies to website use only. Where we provide professional services under a formal engagement, our liability is governed by the terms of that engagement and applicable professional indemnity arrangements.

Nothing in these terms excludes or limits liability that cannot legally be excluded, including liability for death or personal injury caused by negligence or for fraudulent misrepresentation.

External Links

Our website may contain links to external websites operated by third parties. These links are provided for convenience and reference only.

We do not control or endorse third-party websites and are not responsible for their content, accuracy, or practices. Following external links is at your own risk.

Inclusion of a link does not imply recommendation or endorsement. We encourage you to review the terms and privacy policies of any external sites you visit.

Prohibited Uses

When using our website, you agree not to:

Use the website in any way that violates applicable laws or regulations or infringes the rights of others.

Attempt to gain unauthorised access to our systems, other users' accounts, or computer systems connected to our website.

Interfere with or disrupt the website or servers or networks connected to it.

Introduce viruses, trojans, worms, or other malicious or technologically harmful material.

Conduct systematic or automated data collection activities including scraping, mining, or extraction without written permission.

Impersonate any person or entity or falsely state or misrepresent your affiliation with any person or entity.

Use the website for fraudulent purposes or in connection with any criminal offence.

Breach of these prohibited use provisions may result in immediate termination of your access to the website and could expose you to legal liability.

User Communications

Any communication, feedback, or material you transmit to us through the website, whether by email or otherwise, is treated as non-confidential and non-proprietary unless we have a formal engagement agreement in place.

We may use such communications for any purpose including reproduction, disclosure, transmission, publication, or posting. This does not apply to personal information, which is handled according to our Privacy Policy.

You represent that you have all necessary rights to any content you submit and that such content does not infringe any third-party rights or violate applicable law.

Privacy and Data Protection

Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and protect personal information.

We comply with the Data Protection Act 2018 and UK GDPR in all our data processing activities. Our GDPR compliance statement provides detailed information about your data protection rights.

By using this website, you consent to the collection and use of information as described in our Privacy Policy and Cookies Policy.

Changes to Terms

We reserve the right to modify these terms at any time without prior notice. Changes take effect immediately upon posting to the website.

Your continued use of the website following any changes constitutes acceptance of the modified terms. We recommend reviewing these terms periodically to stay informed of any updates.

For significant changes materially affecting your rights, we may provide additional notice through the website or via email to registered users.

Termination

We may terminate or suspend your access to the website immediately, without prior notice or liability, for any reason including breach of these terms.

Upon termination, your right to use the website ceases immediately. Provisions of these terms that by their nature should survive termination shall survive, including intellectual property provisions, limitations of liability, and dispute resolution terms.

Governing Law and Jurisdiction

These terms 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.

If any provision of these terms is found to be invalid or unenforceable by a court, the remaining provisions shall continue in full force and effect. Invalid provisions shall be replaced with valid provisions that most closely match the intent of the original.

Complaints and Disputes

If you have a complaint about our website or services, please contact us initially so we can attempt to resolve the issue directly.

For complaints about financial services we've provided, our formal complaints procedure applies. This is detailed in our terms of business provided when you engage our services.

If we cannot resolve a complaint about regulated financial services to your satisfaction, you may be able to refer it to the Financial Ombudsman Service. Details are provided in our complaints procedure.

Entire Agreement

These terms, together with our Privacy Policy, GDPR statement, and Cookies Policy, constitute the entire agreement between you and Brightmelt Habitat regarding use of this website.

These website terms do not affect any separate agreements between us relating to professional services, which are governed by our terms of business.

Contact Information

For questions about these terms, please contact us:

Brightmelt Habitat Limited
42 Threadneedle Street
London EC2R 8AY
Email: [email protected]

These terms were last updated on 9 April 2026.