Website Terms and Conditions

Website Terms and Conditions

Website Terms and Conditions

Website: pwsfinancialsouthport.co.uk
Effective date: 27 July 2026
Last reviewed: 27 July 2026

1. Introduction

These Website Terms and Conditions govern your use of pwsfinancialsouthport.co.uk.

The website is operated on behalf of PWS Financial Consulting Limited, referred to in these terms as “PWS Financial Consulting”, “we”, “us” or “our”.

By accessing or using this website, you agree to these terms. You should not use the website if you do not accept them.

These terms apply only to your use of the website. Separate terms, charges and regulatory documentation will apply where you formally engage PWS Financial Consulting to provide financial advice or other services.

2. About PWS Financial Consulting

PWS Financial Consulting Limited is a private limited company registered in England and Wales under company number 00518502.

Registered office:
Butterworth Barlow House
10 Derby Street
Prescot
L34 3LG

Business correspondence address:
4th Floor, Exchange Station
Tithebarn Street
Liverpool
L2 2QP

Telephone: 01704 827403
Email: stevemilford@pwsfc.co.uk

PWS Financial Consulting Limited is authorised and regulated by the Financial Conduct Authority.

The company is currently shown by Companies House as active, with the registered office and company number stated above.

3. Information for UK Consumers

The information contained on this website is intended primarily for consumers based in the United Kingdom and is subject to the UK regulatory regime.

Some financial products, investments or services referred to on the website may not be suitable or available to people living outside the United Kingdom.

Users accessing the website from another country are responsible for complying with the laws that apply in their location.

4. Permitted Use of the Website

You may use this website for lawful, personal and non-commercial purposes.

You must not use the website in any way that:

  • breaches applicable law or regulation;
  • is fraudulent, misleading, abusive or harmful;
  • infringes the rights of another person;
  • interferes with the website’s operation, performance or security;
  • damages, disables or overloads the website or its servers;
  • attempts to obtain unauthorised access to restricted areas, systems or data;
  • introduces viruses, malware or other harmful software;
  • collects website content or personal data using automated tools without our written permission; or
  • impersonates PWS Financial Consulting or falsely suggests an association with us.

We may restrict or withdraw access where we reasonably believe these terms have been breached.

5. General Information Only

The content published on this website is provided for general information and educational purposes.

Unless expressly confirmed through a formal advice process, website content does not constitute:

  • personal financial advice;
  • investment advice;
  • pension advice;
  • tax advice;
  • legal advice;
  • an offer or invitation to buy or sell an investment;
  • a recommendation to take or avoid a particular course of action; or
  • a personal assessment of whether a product or strategy is suitable for you.

Financial decisions should be based on your individual circumstances, objectives, attitude to risk, capacity for loss and relevant tax position.

You should obtain appropriately qualified advice before making important financial, investment, pension, tax or legal decisions.

6. No Adviser–Client Relationship

Viewing this website, sending a general enquiry or subscribing to website updates does not create an adviser–client relationship.

Regulated financial advice is provided only after:

  • we have agreed to act for you;
  • the relevant terms of business and service documents have been issued;
  • appropriate information has been gathered about your circumstances;
  • any necessary risk and suitability assessments have been completed; and
  • a formal recommendation has been provided where applicable.

Nothing on the website obliges PWS Financial Consulting to accept an instruction or enter into a client relationship.

7. Accuracy and Updating of Information

We take reasonable care when preparing website content and aim to keep it accurate and up to date.

However, financial legislation, tax rules, allowances, product terms, investment conditions and market information can change. Information may therefore become outdated after publication.

We do not guarantee that website content is:

  • complete;
  • free from errors;
  • current at the time you read it;
  • suitable for your circumstances; or
  • available without interruption.

Publication dates should be considered when reading articles, guides or commentary.

Where a page refers to a particular tax year, allowance, rate or regulatory rule, you should confirm that it remains current before relying on it.

8. Investments and Financial Risk

Where the website discusses investments, pensions or markets, the following general warnings apply:

  • the value of investments and any income from them can fall as well as rise;
  • you may not get back the amount originally invested;
  • past performance is not a reliable indicator of future performance;
  • investment returns are not guaranteed;
  • taxation depends on individual circumstances and may change;
  • inflation may reduce the future spending power of money; and
  • accessing pension benefits can have tax and long-term financial consequences.

Any examples, forecasts or illustrations are provided only to explain a concept. They are not promises or guarantees of future outcomes.

Any tax or legal information published on this website is general in nature.

Tax treatment depends on individual circumstances and may change in the future.

PWS Financial Consulting does not provide legal advice. Where specialist tax, trust, estate-planning or legal advice is required, you may need to consult a solicitor, accountant or other appropriately qualified professional.

The Financial Conduct Authority does not regulate all forms of tax planning, taxation, trust advice, National Savings products, offshore investments, school-fee planning or certain mortgage activities.

10. Enquiries and Instructions

You may contact us through the website, by telephone or by email.

Please do not send highly sensitive information through a general website form or unsecured email, including:

  • passwords;
  • full bank account details;
  • payment-card information;
  • National Insurance numbers;
  • identification documents; or
  • account-access credentials.

Submitting an enquiry does not amount to an instruction to buy, sell, switch, withdraw or transfer an investment or pension.

Existing clients should use the agreed secure communication method, including the PWS Portal where appropriate, for financial instructions and confidential documents.

We may need to verify your identity and authority before accepting or acting on an instruction.

11. Third-Party Websites and Services

This website may contain links to websites, portals, resources or services operated by third parties.

External links are provided for information or convenience. We do not control third-party websites and are not responsible for:

  • their availability;
  • their content or accuracy;
  • their security;
  • their privacy or cookie practices;
  • their products or services; or
  • any loss arising from their use.

A link does not necessarily mean that we endorse the third party or its content.

You should review the terms, privacy information and security arrangements of any external website before using it.

Links to organisations such as the Financial Conduct Authority, Financial Ombudsman Service, HM Revenue & Customs, government websites or financial providers are provided for convenience.

Those organisations are responsible for their own websites and information.

PWS Financial Consulting cannot guarantee that an external page will remain available or that its content will remain unchanged.

13. Intellectual Property

Unless otherwise stated, the website and its contents are owned by PWS Financial Consulting Limited or used under licence.

Protected material may include:

  • text;
  • articles;
  • reports;
  • graphics;
  • logos;
  • photographs;
  • videos;
  • downloadable documents;
  • page layouts;
  • branding;
  • software; and
  • design elements.

You may view, print or download reasonable extracts for your own personal, non-commercial use.

You must not, without prior written permission:

  • reproduce or republish substantial parts of the website;
  • modify or adapt website materials;
  • use our logo or branding;
  • distribute content commercially;
  • present our content as your own;
  • remove copyright or ownership notices; or
  • use website content to train, populate or support a commercial database or automated service.

Any permitted copy must acknowledge PWS Financial Consulting as the source.

14. User-Submitted Information

Where the website allows you to send a message, form response, review or other material, you confirm that the information you submit is accurate and lawful.

You must not submit material that:

  • is defamatory, threatening or discriminatory;
  • infringes intellectual-property or privacy rights;
  • contains malicious code;
  • is fraudulent or deliberately misleading; or
  • breaches confidentiality obligations.

We may remove, disregard or report unlawful or inappropriate material.

15. Privacy and Data Protection

Our handling of personal information is explained in our Privacy Policy.

The Privacy Policy should be read alongside these terms and explains:

  • what personal information we collect;
  • why we use it;
  • the lawful basis for processing;
  • how long information may be retained;
  • when information may be shared; and
  • your data-protection rights.

Where consent is requested for marketing, it should be separate from any consent required merely to respond to your enquiry.

16. Cookies

The website may use essential, analytical, preference and marketing cookies.

Further details should be provided in the Cookie Policy and cookie-consent tool.

Where required, non-essential cookies will not be placed until you have given consent. You may withdraw or amend cookie consent through the website’s cookie settings.

17. Website Security

We use reasonable technical and organisational measures intended to protect the website and information transmitted through it.

However, no website or internet transmission can be guaranteed to be completely secure.

You are responsible for:

  • using suitable antivirus and security software;
  • keeping your devices and browsers updated;
  • protecting your passwords and login details; and
  • ensuring that links and communications purporting to be from us are genuine.

You must notify us promptly if you suspect that your account, portal access or communications have been compromised.

18. Website Availability

We aim to keep the website accessible but do not guarantee uninterrupted or error-free availability.

We may suspend, withdraw, change or restrict any part of the website for:

  • maintenance;
  • technical updates;
  • security reasons;
  • regulatory reasons;
  • changes to our services; or
  • circumstances outside our reasonable control.

We are not obliged to continue providing any particular page, article, feature or downloadable resource.

19. Limitation of Liability

Nothing in these terms excludes or limits liability where doing so would be unlawful, including liability for:

  • death or personal injury caused by negligence;
  • fraud or fraudulent misrepresentation; or
  • any other liability that cannot legally be excluded.

Subject to that, and to the fullest extent permitted by law, we will not be liable for loss arising solely from:

  • reliance on general website information without obtaining personalised advice;
  • temporary website unavailability;
  • viruses or harmful material introduced by third parties;
  • use of an external website;
  • unauthorised access caused by matters outside our reasonable control;
  • indirect or consequential loss; or
  • loss of profit, revenue, opportunity, business or data.

These limitations do not alter any rights or remedies you may have in relation to regulated financial advice provided under a separate client agreement.

20. Complaints

If you are unhappy with a regulated service provided by PWS Financial Consulting, please contact us so that we can investigate the matter.

Information about the firm’s complaints procedure will be provided to clients as appropriate.

Eligible complainants may have the right to refer an unresolved complaint to the Financial Ombudsman Service.

21. Changes to These Terms

We may revise these Website Terms and Conditions to reflect changes in:

  • legislation or regulation;
  • our services;
  • website functionality;
  • business arrangements; or
  • security practices.

The latest version will be published on this page with an updated review date.

Changes take effect when published unless otherwise stated.

Your continued use of the website after an update means that the revised terms will apply to your subsequent use.

22. Severability

If any part of these terms is found to be invalid, unlawful or unenforceable, the remaining provisions will continue in effect.

23. No Waiver

If we do not immediately enforce a provision of these terms, this does not mean that we have waived our right to enforce it later.

24. Third-Party Rights

Unless expressly stated, no person other than you and PWS Financial Consulting Limited has any right to enforce these terms under the Contracts (Rights of Third Parties) Act 1999.

25. Governing Law and Jurisdiction Website Terms & Conditions

These Website Terms and Conditions are governed by the laws of England and Wales.

The courts of England and Wales will have jurisdiction over disputes relating to these terms, subject to any mandatory consumer rights that apply.

26. Contact Us Regarding The Website Terms & Conditions

Questions about these Website Terms and Conditions should be directed to:

PWS Financial Consulting Limited
4th Floor, Exchange Station
Tithebarn Street
Liverpool
L2 2QP

Telephone: 01704 827403
Email: stevemilford@pwsfc.co.uk
Website: pwsfinancialsouthport.co.uk