Terms of Use

Acceptance of Terms

By accessing and using the Moonlit Passage website (moonlit-passage.com), 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.

These terms apply to all visitors, users, and others who access or use our website and services.

Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website following the posting of revised terms constitutes your acceptance of those changes.

We encourage you to review these terms periodically to stay informed of any updates.

Use of Website

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

• In any way that violates any applicable national or international law or regulation
• To transmit or procure the sending of any unsolicited or unauthorized advertising or promotional material
• To impersonate or attempt to impersonate Moonlit Passage, our employees, other users, or any other person or entity
• To engage in any conduct that restricts or inhibits anyone's use or enjoyment of the website
• In any way that could damage, disable, overburden, or impair the website
• To introduce any viruses, trojans, worms, logic bombs, or other malicious or technologically harmful material

Intellectual Property Rights

The content on this website, including but not limited to text, graphics, logos, images, and software, is the property of Moonlit Passage or its content suppliers and is protected by United Kingdom and international copyright laws.

You may view, download, and print pages from the website for your own personal, non-commercial use, subject to the restrictions set out below:

• You must not modify the paper or digital copies of any materials you print or download
• You must not use any illustrations, photographs, video or audio sequences, or graphics separately from accompanying text
• You must not remove or alter any copyright, trademark, or other proprietary notices
• You must not use any part of the content for commercial purposes without obtaining a license to do so from us

Service Engagement and Professional Advice

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

When you engage our services:

• A formal engagement agreement will be provided outlining the scope of services, fees, and terms
• Professional advice will be based on the information you provide to us
• You are responsible for providing accurate and complete information
• You acknowledge that pension and retirement planning involves inherent risks and uncertainties
• Past performance or projections do not guarantee future results

Fees and Payment

Service fees are stated on our website and in engagement agreements. All fees are in British Pounds (GBP) unless otherwise stated.

Payment terms will be specified in your engagement agreement. Typically:

• Payment is required before or upon delivery of services
• Invoices are due within 14 days of issue unless otherwise agreed
• Late payments may incur interest charges
• We reserve the right to suspend services for non-payment

Limitation of Liability

To the fullest extent permitted by law, Moonlit Passage shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

• Your access to or use of or inability to access or use the website
• Any conduct or content of any third party on the website
• Any content obtained from the website
• Unauthorized access, use, or alteration of your transmissions or content

Nothing in these terms excludes or limits our liability for death or personal injury arising from our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

Professional Indemnity

We maintain professional indemnity insurance as required by regulatory standards for financial advisory services. Details of our insurance coverage can be provided upon request.

Accuracy of Information

We strive to ensure that information on our website is accurate and up-to-date. However:

• We make no representations or warranties about the completeness, accuracy, or reliability of any information on the website
• Financial regulations, tax rules, and pension legislation change frequently
• You should not rely on website content as a substitute for professional advice specific to your circumstances
• We reserve the right to correct errors or omissions at any time without prior notice

Third-Party Links

Our website may contain links to third-party websites or services that are not owned or controlled by Moonlit Passage. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by your use of any third-party content or services.

Privacy and Data Protection

Your use of our website and services is subject to our Privacy Policy and GDPR compliance practices. Please review these documents to understand how we collect, use, and protect your personal information.

By using our website, you consent to our data practices as described in those policies.

Confidentiality

When you engage our services, we will treat your personal and financial information as confidential, subject to:

• Legal obligations to disclose information to regulatory authorities
• Your explicit consent to share information
• Requirements to share information with professional advisors assisting with your case
• Court orders or other legal process

Complaints Procedure

If you are dissatisfied with our services, we have a formal complaints procedure:

1. Submit your complaint in writing to [email protected]
2. We will acknowledge receipt within 5 business days
3. We will investigate and provide a detailed response within 28 days
4. If you remain dissatisfied, you may escalate to the Financial Ombudsman Service

Regulatory Information

Moonlit Passage operates in accordance with UK financial services regulations. While we provide retirement planning and pension advisory services, we do not manage investments or hold client funds.

Our services focus on strategy, planning, and advice. Implementation of recommendations is at your discretion and may involve third-party providers.

Termination

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

For service engagements, termination terms will be specified in your engagement agreement. Generally:

• Either party may terminate with written notice
• Fees for work completed up to termination remain payable
• We will provide any work product completed to the date of termination

Indemnification

You agree to defend, indemnify, and hold harmless Moonlit Passage and its officers, employees, and agents from any claims, damages, obligations, losses, liabilities, costs, or debt arising from:

• Your use of and access to the website
• Your breach of these Terms of Use
• Your violation of any third-party rights

Governing Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of England and Wales. Any disputes relating to these terms or your use of our website will be subject to the exclusive jurisdiction of the courts of England and Wales.

Severability

If any provision of these Terms of Use is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms of Use, together with our Privacy Policy and any engagement agreement you enter into with us, constitute the entire agreement between you and Moonlit Passage regarding your use of the website and services.

No Waiver

Our failure to enforce any right or provision of these Terms of Use will not be considered a waiver of those rights. Any waiver of any provision of these terms will be effective only if in writing and signed by us.

Contact Information

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

Moonlit Passage
42 Harrington Gardens
London SW7 4JU
United Kingdom

Email: [email protected]
Legal enquiries: [email protected]