Terms of Service

1. Acceptance of Terms

By accessing and using the services provided by Glimpse Insurance ("we," "our," or "us"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

Glimpse Insurance provides financial planning, investment advice, and insurance services to individuals and families in the United Kingdom. Our services include but are not limited to:

• Retirement planning and pension advice
• Investment management and portfolio construction
• Insurance planning and policy recommendations
• Tax planning and optimization strategies
• Estate planning consultation
• General financial planning and advisory services

3. Regulatory Authorization

Glimpse Insurance is authorized and regulated by the Financial Conduct Authority (FCA). We are bound by FCA rules and regulations in the provision of our services. Our FCA registration details are available on the FCA register.

4. Client Responsibilities

As a client of Glimpse Insurance, you agree to:

• Provide accurate and complete information about your financial situation
• Inform us promptly of any material changes to your circumstances
• Review all recommendations and documentation carefully
• Ask questions if you do not understand any aspect of our advice
• Make your own informed decisions based on our advice
• Pay fees and charges as agreed

5. Our Responsibilities

Glimpse Insurance commits to:

• Act in your best interests at all times
• Provide advice suitable to your circumstances and objectives
• Maintain professional competence and knowledge
• Handle your personal and financial information securely
• Comply with all applicable laws and regulations
• Maintain appropriate professional indemnity insurance

6. Investment Risks and Disclaimers

You acknowledge and understand that:

• Investment values can go down as well as up, and you may get back less than you invested
• Past performance is not a guarantee of future results
• No investment advice or recommendation is guaranteed to be profitable
• Market conditions and economic factors can affect investment performance
• You are responsible for making the final decision on all investments

7. Fees and Charges

Our fee structure will be clearly explained to you before any services are provided. Fees may include:

• Initial consultation fees
• Ongoing advisory fees
• Transaction charges
• Platform fees for investment management
• Third-party product charges

All fees and charges will be disclosed in writing, and no hidden fees will be applied.

8. Limitation of Liability

While we will use reasonable care and skill in providing our services, our liability is limited as follows:

• We will not be liable for losses arising from market fluctuations
• Our liability for any claim will not exceed the amount of fees paid to us
• We will not be liable for indirect or consequential losses
• Nothing in these terms excludes our liability for fraud or fraudulent misrepresentation

9. Complaints Procedure

If you have a complaint about our services:

1. Contact us directly at [email protected]
2. We will acknowledge your complaint within 3 business days
3. We aim to resolve complaints within 8 weeks
4. If unresolved, you may refer the matter to the Financial Ombudsman Service

10. Data Protection and Privacy

We are committed to protecting your privacy and personal data in accordance with UK GDPR and Data Protection Act 2018. Please refer to our Privacy Policy for detailed information about how we collect, use, and protect your personal information.

11. Website Terms

When using our website, you agree to:

• Use the website for lawful purposes only
• Not attempt to gain unauthorized access to our systems
• Not introduce viruses, trojans, worms, or other malicious code
• Respect intellectual property rights
• Not use automated systems to access the website

12. Intellectual Property

All content on our website, including text, graphics, logos, and software, is owned by Glimpse Insurance or our licensors and is protected by copyright and other intellectual property laws.

13. Termination

Either party may terminate our advisory relationship by giving written notice. Upon termination:

• We will provide final recommendations if requested
• Outstanding fees become immediately payable
• We will securely dispose of non-essential personal data
• Ongoing product arrangements may continue as agreed

14. Force Majeure

We will not be liable for any failure to perform our obligations due to circumstances beyond our reasonable control, including natural disasters, government actions, or technical failures.

15. Governing Law

These terms are governed by English law and subject to the exclusive jurisdiction of the English courts.

16. Amendment of Terms

We reserve the right to modify these terms at any time. Material changes will be communicated to clients in advance, and continued use of our services constitutes acceptance of the revised terms.

17. Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

18. Third-Party Services

We may recommend third-party products or services. While we conduct due diligence, we are not responsible for the performance or actions of third-party providers.

19. Contact Information

For questions about these Terms of Service, please contact us:

20. Professional Standards

Glimpse Insurance adheres to the highest professional standards as set by:

• Financial Conduct Authority (FCA)
• Personal Finance Society (PFS)
• Chartered Insurance Institute (CII)