Appointment Terms Of Service

BY BOOKING A PENSIONCRAFT.LTD APPOINTMENT YOU ARE CONSENTING TO OUR TERMS AND CONDITIONS AS OUTLINED BELOW.

OVERVIEW

The terms “we,” “us,” and “our” refer to PensionCraft Ltd. The terms  “Power Hour“, “coaching” the “Service” or “appointment'', refers to coaching, education, training or information provided by any person authorised to do so on behalf of PensionCraft. The terms “client,” “you,” and “your” refer to PensionCraft customers, members and any other users of PensionCraft services.

SERVICE

The Service provides investment education for the purpose of enabling and empowering you to make the decisions that you deem appropriate for your individual circumstances. We do not offer advice but we aim to provide you with the information, skills and knowledge to help you make up your own mind. You are liable for the investment decisions you make and with any investments, there are risks involved, which could include losing your capital. 

By booking an appointment you are subject to the following Terms and Conditions. These Terms and Conditions apply to all clients and by booking an appointment, you agree to these Terms and Conditions, without modification, and acknowledge reading them.

USE OF THIS SERVICE

To use this service, you must be 18 years of age or older and have the requisite power and authority to enter into these Terms and Conditions. PensionCraft Ltd makes no representation or warranty that the information provided, regardless of its source, is accurate, complete, reliable, current, or error-free. PensionCraft Ltd disclaims all liability for any inaccuracy, error, or incompleteness in information provided to clients.

NO PROMOTIONS OR ADVICE

Anything discussed during an appointment or any information provided by PensionCraft at any time is not intended as an offer or solicitation for the purchase or sale of any financial instrument. Nor is it intended to provide and should not be relied on for accounting, legal or tax advice, or investment recommendations. Reliance should not be placed on the views and information when taking individual investment and/or strategic decisions. Past performance is not a guide to future performance and may not be repeated. The value of investments and the income from them may go down as well as up and investors may not get back the amounts originally invested. All investments involve risks including the risk of possible loss of principal. Information provided is believed to be reliable but PensionCraft does not warrant its completeness or accuracy. Reliance should not be placed on the views and information provided when taking individual investment and/or strategic decisions. If opinions provided include forecasted views we believe we are basing our expectations and beliefs on reasonable assumptions within the bounds of what we currently know. However, there is no guarantee that any forecasts or opinions will be realised. These views and opinions may change.

CONFIDENTIALITY 

What is discussed during your appointment is confidential. Any information you share in regards to your personal investment portfolio or investment intentions will not be disclosed to any third party unless the law requires us to do so or if you give us express written consent. You can view PensionCraft’s privacy policy here https://pensioncraft.com/pensioncraft-privacy-policy/ 

REFUSAL OF SERVICE

The Service is offered subject to our acceptance of your appointment. We reserve the right to refuse service to any person or entity, without the obligation to assign reason for doing so. 

ORDER CONFIRMATION

We will email you to confirm the details of your booking. In the event that there is an error in this email or if you fail to receive it , it is your responsibility to inform us as soon as possible at support@pensioncraft.com

ALTERATIONS TO SERVICE

We will email you confirmation of the appointment and a link so that you can join your appointment at the allotted time. You agree and understand that access to the Service may at times be influenced and affected by unavoidable circumstances or by third parties that we use to provide the Service (Internet connection, video communications software, etc.). If a problem occurs and your coach cannot join the appointment at the allotted time we will endeavour to reschedule your appointment for an alternative  mutually agreed time. You agree and understand that no breach of contract action may be initiated against PensionCraft Ltd when an appointment needs to be rescheduled or if interruptions to the coaching occur during the appointment. 

CANCELLATIONS & RESECULING

You may cancel or reschedule your appointment upto 24 hours in advance of the meeting time and you will need to do this via the confirmation email. No refunds will be given if you fail to join the meeting at the scheduled time or wish to cancel within 24 hours of the appointment taking place. If you do cancel a meeting before the 24 hours deadline and require a refund then please email us at support@pensioncraft.com so we can manually refund your payment.

CHANGED TERMS

We may at any time amend these Terms and Conditions. Such amendments are effective immediately upon notice to you by us posting the new Terms and Conditions on this Site. Any bookings made by you after being notified means you accept these amendments. We reserve the right to update any portion of these Terms and Conditions, at any time. We will post the most recent versions to the Site and list the effective dates on the pages of our Terms and Conditions.

LIMITATION OF LIABILITY

YOU AGREE THAT UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, EXEMPLARY, OR ANY OTHER DAMAGES ARISING OUT OF YOUR USE OF THE SERVICE. 

ADDITIONALLY, PENSIONCRAFT LTD IS NOT LIABLE FOR DAMAGES IN CONNECTION WITH (I) ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, DENIAL OF SERVICE, ATTACK, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, OR LINE OR SYSTEM FAILURE; (II) LOSS OF REVENUE, ANTICIPATED PROFITS, BUSINESS, SAVINGS, GOODWILL OR DATA; AND (III) THIRD PARTY THEFT OF, DESTRUCTION OF, UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF YOUR INFORMATION OR PROPERTY, REGARDLESS OF OUR NEGLIGENCE, GROSS NEGLIGENCE, FAILURE OF AN ESSENTIAL PURPOSE AND WHETHER SUCH LIABILITY ARISES IN NEGLIGENCE, CONTRACT, TORT, OR ANY OTHER THEORY OF LEGAL LIABILITY. THE FOREGOING APPLIES EVEN IF PENSIONCRAFT LTD HAS BEEN ADVISED OF THE POSSIBILITY OF OR COULD HAVE FORESEEN THE DAMAGES. IN THOSE STATES THAT DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR THE DAMAGES, OUR LIABILITY IS LIMITED TO THE FULLEST POSSIBLE EXTENT PERMITTED BY LAW. IN NO EVENT SHALL PENSIONCRAFT LTD’S CUMULATIVE LIABILITY TO YOU EXCEED THE TOTAL PURCHASE PRICE OF THE SERVICE YOU HAVE PURCHASED FROM PENSIONCRAFT LTD, AND IF NO PURCHASE HAS BEEN MADE BY YOU PENSIONCRAFT LTD’S CUMULATIVE LIABILITY TO YOU SHALL NOT EXCEED $100.

INDEMNIFICATION

You shall indemnify and hold us harmless from and against any and all losses, damages, settlements, liabilities, costs, charges, assessments, and expenses, as well as third party claims and causes of action, including, without limitation, attorney’s fees, arising out of any breach by you of any of these Terms and Conditions, or any use by you of the Service. You shall provide us with such assistance, without charge, as we may request in connection with any such defence, including, without limitation, providing us with such information, documents, records, and reasonable access to you, as we deem necessary. You shall not settle any third party claim or waive any defence without our prior written consent.

EFFECT OF HEADINGS

The subject headings of the paragraphs and subparagraphs of this Agreement are included for convenience only and shall not affect the construction or interpretation of any of its provisions.

ENTIRE AGREEMENT; WAIVER

This Agreement constitutes the entire agreement between you and PensionCraft Ltd pertaining to the Service and supersedes all prior and contemporaneous agreements, representations, and understandings between us. No waiver of any of the provisions of this Agreement by PensionCraft Ltd shall be deemed, or shall constitute, a waiver of any other provision, whether or not similar, nor shall any waiver constitute a continuing waiver. No waiver shall be binding unless executed in writing by PensionCraft Ltd.

NOTICES

All notices, requests, demands, and other communications under this Agreement shall be in writing and properly addressed as follows:

PensionCraft Ltd

21 Chestnut Close

Amersham

Buckinghamshire

HP6 6EQ

United Kingdom

RECOVERY OF LITIGATION EXPENSES

If any legal action or any arbitration or other proceeding is brought for the enforcement of this Agreement, or because of an alleged dispute, breach, default, or misrepresentation in connection with any of the provisions of this Agreement, the successful or prevailing party or parties shall be entitled to recover reasonable attorney’s fees and other costs incurred in that action or proceeding, in addition to any other relief to which it or they may be entitled.

SEVERABILITY

If any term, provision, covenant, or condition of this Agreement is held by an arbitrator or court of competent jurisdiction to be invalid, void, or unenforceable, the rest of the Agreement shall remain in full force and effect and shall in no way be affected, impaired, or invalidated.