Terms of Use

Last Updated: May 10, 2026

Agreement to Terms

By accessing and using the Nebulous Ray website and services, you 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.

Services Description

Nebulous Ray provides pension planning and retirement advisory services to individuals in the United Kingdom. Our services include pension reviews, consolidation advice, retirement income strategies, and related financial planning services.

Professional Relationship

No Advice Without Engagement

Information provided on this website is for general educational purposes only and does not constitute personalized financial advice. A formal advisory relationship is established only when:

• You have completed our engagement process
• We have agreed to provide specific services
• You have signed our client service agreement
• Any required fees have been agreed upon

Scope of Services

Our services are limited to pension planning and related retirement advisory. We do not provide:

• Tax preparation or filing services
• Legal advice
• Estate planning (except as it relates to pension death benefits)
• Investment management services for non-pension assets

Fees and Payment

Service fees are clearly stated for each offering. Fees are due as specified in your service agreement. We reserve the right to modify our fees with reasonable notice. Price changes do not affect services already contracted.

Client Responsibilities

When engaging our services, you agree to:

• Provide accurate and complete information about your financial situation
• Disclose all relevant pension arrangements and related financial matters
• Inform us promptly of any material changes to your circumstances
• Review all recommendations carefully before implementation
• Make your own independent decisions regarding financial matters

Limitations and Disclaimers

No Guarantees

We provide professional advice based on our expertise and available information. However, we cannot guarantee specific outcomes regarding:

• Investment performance
• Pension fund growth rates
• Future regulatory changes
• Tax treatment of pension arrangements

Forward-Looking Statements

Projections and forecasts provided in our analysis are based on assumptions that may not materialize. Past performance is not indicative of future results. Economic conditions, market performance, and regulatory changes can significantly affect outcomes.

Third-Party Information

We may use information from pension providers, government agencies, and other third parties. While we verify information where practical, we are not responsible for errors in data provided by third parties.

Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of Nebulous Ray or its licensors and is protected by copyright and other intellectual property laws. You may not:

• Copy, modify, or distribute website content without permission
• Use our branding, logos, or trademarks
• Reproduce our proprietary planning methodologies or tools
• Create derivative works based on our content

Website Use

Permitted Use

You may use this website for lawful purposes related to learning about and engaging our services. You agree not to:

• Interfere with website functionality or security
• Attempt to gain unauthorized access to systems or data
• Use automated systems to scrape or download content
• Upload malicious code or harmful content
• Impersonate another person or entity

Form Submissions

Information submitted through website forms is governed by our Privacy Policy. Submitting a service request does not create a binding contract until we confirm acceptance and you agree to our engagement terms.

Confidentiality

We maintain strict confidentiality regarding client information, subject to legal and regulatory obligations. Our confidentiality obligations are detailed in our client service agreements.

Regulatory Compliance

Nebulous Ray operates in compliance with applicable UK financial services regulations. Our services are subject to regulatory oversight. In the event of any conflict between these terms and regulatory requirements, regulatory requirements take precedence.

Limitation of Liability

To the fullest extent permitted by law:

• Our liability for any claim arising from our services is limited to the fees paid for those specific services
• We are not liable for indirect, consequential, or punitive damages
• We are not liable for losses resulting from your failure to provide accurate information
• We are not liable for market losses or investment performance

These limitations do not affect liability that cannot be excluded or limited under applicable law, including liability for fraud or fraudulent misrepresentation.

Indemnification

You agree to indemnify and hold harmless Nebulous Ray from claims arising from:

• Your breach of these terms
• Your violation of any law or regulation
• Your infringement of third-party rights
• Inaccurate or incomplete information you provide

Termination

We reserve the right to terminate or suspend access to our website or services at our discretion, including for violations of these terms. Termination does not affect rights and obligations that accrued before termination.

Governing Law

These terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

Dispute Resolution

If you have a complaint about our services, please contact us first to resolve the matter. If we cannot resolve your complaint, you may be eligible to refer it to the Financial Ombudsman Service or other applicable dispute resolution bodies.

Changes to Terms

We may update these terms periodically. Changes will be posted on this page with an updated effective date. Continued use of our website or services after changes constitutes acceptance of modified terms.

Severability

If any provision of these terms is found to be unenforceable, the remaining provisions remain in full effect. The unenforceable provision will be modified to the minimum extent necessary to make it enforceable.

Entire Agreement

These terms, together with our Privacy Policy and any signed service agreements, constitute the entire agreement between you and Nebulous Ray regarding website use and services.

Contact Information

For questions about these terms, contact us at:

Email: [email protected]
Address: 47 Wellington Street, Manchester M12 5PB, United Kingdom