By accessing or using our website, www.Smartlaterlife.co.uk, you agree to be bound by these terms and conditions and our Privacy Policy. If you do not agree with any of these terms and conditions, you should cease using the Site immediately.

Please note that no sale of products or services takes place on this website. Any agreement to provide estate planning services and products will be governed by separate Terms of Business, Privacy Policy and Terms and will be provided to you separately.

General Information

Smart Later Life Ltd is registered in England and Wales. Company No: 15285067. Registered address is 164 Banks Road, West Kirby, Wirral, Ch48 0RH

Smart Later Life Ltd is a registered Data Controller with the Information Commissioner’s Office. (Registration number C1429217). The Company’s data protection officer is Richard Jones.

Availability and conditions of use

The Site is made available to you by us. Whilst we make every effort to ensure that the Site is available, we do not represent, warrant, or guarantee in any way the Site’s continued availability or uninterrupted use by you of the Site. We reserve the right to suspend or cease the operation from time to time at our sole discretion.

As a condition of your use of the Site, you agree:

• Not to use the Site for any purpose that is unlawful under applicable law, or prohibited by the terms and conditions; and

• Not to defame, disparage anybody or in a manner which is obscene, derogatory, or offensive.

• To be responsible for ensuring that your use of the Site is consistent with any applicable law and regulations.

We reserve the right to prevent or suspend your access to the Site if you do not comply with any of these terms and conditions or any applicable law.

Ownership and intellectual property rights

www.SmartLaterLife.co.uk is owned and operated by Smart Later Life Ltd, and and/or our licensors. Smart Later Life Ltd and and/or our licensors reserve all rights.

All trademarks, logos, domain names (including individual product names and names of companies) are the property of their respective owners.

If you wish to unsubscribe from receiving any correspondence from Smart Later Life Ltd, please email, Richard.jones@smartlaterlife.co.uk , or phone, 07944648080, or post to 164 Banks Road, West Kirby, Wirral, CH48 0RH.

The guidance, information and or advice contained within this website is subject to the UK regulatory regime and is therefore primarily intended for customers in the UK.

The Site is for your personal and non-commercial use. You may not modify, copy, distribute, display, revise, perform, reproduce, publish, license, deep-link, create derivative works from, transfer or sell any information or content obtained from the Site unless expressly authorised by us.

Any intellectual property rights (including without limitation all patents, copyright, database rights or trademarks (whether registered or unregistered) subsisting in any content or material on the Site by us and/or our licensors. All rights are reserved for the benefit of ourselves. None of these terms and conditions grants you any rights in the Site or the content within the Site. 

Disclaimers

While we use reasonable efforts to include accurate and up-to-date information on the Site, we do not promise that the information will always remain up to date and accurate, or fit or suitable for any purpose. Any reliance you place on the information Site is at your own risk. Nothing in these terms and conditions shall operate to prejudice any mandatory statutory requirement or your statutory rights.

Content on the Site is provided for your general information purposes only and to inform you of our products and news, features, services, and other websites which may be of interest. It does constitute technical, financial, legal advice or any other type of advice and should not be relied on for purposes.

Cookies and other Information-gathering technologies

Our website uses cookies. Cookies are text files placed on your computer to collect standard information and visitor behaviour information. These cookies allow us to distinguish you from other visitors of the website which helps us to provide you with an enhanced experience when you browse our website and allows us to improve our site. You will be asked to consent to us storing cookies on your device.

For more information on which cookies, we use and how we use them, see our Cookies Policy.  

Hyperlinks and third-party sites

The Site may contain hyperlinks or references to external third-party websites. Any such hyperlink reference is provided for your convenience only. We have no control over third-party websites and no responsibility for any content, material or information contained in them. The display of any reference to any third-party website does not constitute an endorsement of such third party’s website, products, or services. Your use of a third-party site may be governed by the terms and conditions of a third-party site.

Equality and diversity

We are committed to promoting equality and diversity in all our dealings with clients, third parties and employees. Please contact us if you would like a copy of our equality and diversity policy.

Warranties and limitation of liability

You agree that your use of the Site is on an ‘as is’ and ‘as available’ basis. Consequently, we make representations, warranties, conditions, or other terms (whether express or implied) in relation to the provision of the Site, including without limitation as to completeness, accuracy and currency or any other information on the Site, or as to the satisfactory quality, or fitness for a particular purpose. To the maximum extent permitted by applicable law, we exclude all liability (whether arising in contract, tort, and breach of statutory duty or otherwise) which we may otherwise have to you because of:

• Any error or inaccuracies in any information or material within or relating to the Site;

• The unavailability of the Site for whatsoever reason; and

• Any representation or statement made on the Site. 

Indemnity

If you are in breach of any of these terms and conditions, you agree to indemnify and hold us harmless in respect of any costs, expenses, claims, proceedings, actions, losses, damages or liability incurred by us in relation to or arising from such a breach.

General

We reserve the right to vary these terms and conditions from time to time and will update our website accordingly. However, by continuing to use and access the Site you agree to be bound by any variation made by us. It is your responsibility to check these terms and conditions from time to time to verify such variations.

Should any part of these terms and conditions for any reason be declared invalid or unenforced by a court of competent jurisdiction, it shall be deemed to be deleted without affecting the remaining provisions. 

These terms and conditions are governed and construed in accordance with the Laws of England and Wales, and you consent to the exclusive jurisdiction of the courts of England

These terms were last updated on 25/04/2023.last updated on 01/10/2023.