Terms of Service
Please read these terms carefully before using our AI-powered NHS financial planning platform.
Last updated: February 2025
Important Financial Disclaimer
This platform provides informational tools only and does not constitute financial advice.
• All calculations and AI-generated content are for educational purposes
• We are not affiliated with NHS Pensions or any government body
• For personalized financial planning, consult qualified financial advisors
• Data accuracy cannot be guaranteed - verify all information independently
Terms Overview
Subscription Service
Access to AI tools and calculators
Educational Use
Informational tools and analysis only
User Responsibility
Verify all information independently
Agreement to Terms
William Roberts Coaching and Advisory Ltd ("we", "us", or "our"), a company incorporated in England (company number 15629688), operates NHS Financial Planner. By accessing or using NHS Financial Planner ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of the terms, you may not access the Service.
Important: NHS Financial Planner is a technology platform designed to help NHS professionals understand their pension, career and financial documentation. We are not financial advisors, and our service should not be considered as financial advice.
Jurisdiction and Governing Law
These Terms are governed by English law. Any disputes arising from or related to these Terms will be subject to the exclusive jurisdiction of the courts of England and Wales. Nothing in these Terms affects your statutory rights as a consumer.
User Accounts
- You must be an NHS professional to use our services
- You are responsible for maintaining the security of your account
- You must provide accurate and complete information
- You may not share your account credentials
- You must notify us of any unauthorized access
- You must be at least 18 years old to use the Service
- You must have the legal capacity to enter into these Terms
Subscription and Payments
Some features of the Service require a paid subscription. By subscribing, you agree to:
- Pay all applicable fees
- Provide current and accurate billing information
- Automatic renewal unless cancelled
- Pro-rata refunds for cancellations as per our refund policy
- 14-day cooling-off period for new subscriptions
- Price changes with 30 days notice
- VAT or other applicable taxes may be added to fees
Acceptable Use
You agree not to:
- Use the Service for any illegal purpose
- Share access to your account
- Attempt to bypass any security measures
- Upload malicious content or malware
- Interfere with the proper working of the Service
- Attempt to access other users' data
- Use automated systems to access the Service
- Reverse engineer the Service
Intellectual Property
The Service and its original content, features, and functionality are owned by William Roberts Coaching and Advisory Ltd and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. You may not copy, modify, create derivative works, publicly display, sell or exploit any content without our express permission.
Disclaimer
Your use of the Service is at your sole risk. The Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, whether express or implied.
NHS Financial Planner is not a financial advisor, accountant, or tax expert. The information provided through our Service is for informational purposes only and should not be considered as professional financial advice.
Always consult with qualified financial professionals regarding your specific circumstances before making financial decisions. We are not liable for any decisions you make based on the information provided through our Service.
While we strive to keep information up to date, we make no guarantees about the accuracy, completeness, or reliability of any content or information provided through the Service.
Limitation of Liability
To the maximum extent permitted by law, in no event shall William Roberts Coaching and Advisory Ltd, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:
- Your access to or use of or inability to access or use the Service
- Any conduct or content of any third party on the Service
- Any content obtained from the Service
- Unauthorized access, use, or alteration of your transmissions or content
- System failures or interruptions
- Data breaches or cyber attacks
- Loss or corruption of data
Our total liability for any claims under these Terms shall be limited to the amount you paid us in the 12 months preceding the claim.
Changes to Terms
We reserve the right to modify or replace these Terms at any time. We will provide notice of any material changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of the Service after such changes constitutes your acceptance of the new Terms. If you do not agree to the new terms, you must stop using the Service.
Termination
We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the Service will immediately cease.
Questions About These Terms?
If you have any questions about these terms of service or need clarification on any point, please contact us.