Terms of Use

Last updated: January 2025

Acceptance of Terms

By accessing, browsing, or using badkamernaarden.com (the "Website"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Use ("Terms") and our Privacy Policy. If you do not agree with any provision of these Terms, you must not access or use our Website. These Terms constitute a legally binding agreement between you ("User," "you," or "your") and the operators of badkamernaarden.com ("we," "us," or "our").

Description of Services

Our Website provides educational information and resources about pension savings, retirement planning, and financial guidance specifically for UK residents. We curate links to reputable third-party financial institutions, government resources, and educational materials. We do not provide direct financial advice, investment services, pension products, or financial planning services. Our role is limited to information aggregation and referral to authorised financial service providers.

Eligibility and User Responsibilities

You must be at least 18 years of age to use our Website. By using our services, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms. You are responsible for maintaining the confidentiality of any account information and for all activities that occur under your access to our Website.

Permitted Use

You may use our Website solely for personal, non-commercial purposes related to researching pension savings and retirement planning options. You agree not to:

Financial Disclaimer and Limitations

No Financial Advice: The information on our Website is for educational purposes only and does not constitute financial, investment, tax, legal, or professional advice. We are not authorised or regulated by the Financial Conduct Authority (FCA) or any other financial regulatory body.

No Recommendations: Any information about financial products, services, or institutions should not be construed as recommendations, endorsements, or solicitations. You should conduct your own research and consult with qualified, FCA-authorised financial advisors before making any financial decisions.

Risk Disclosure: All investments and pension products carry risk, including the potential loss of principal. Past performance does not guarantee future results. The value of investments and pension funds can go down as well as up.

Third-Party Links and Services

Our Website contains links to third-party websites, including financial institutions, government resources, and educational platforms. These links are provided for your convenience and do not constitute our endorsement of the linked sites or their content. We have commercial relationships with some of these third parties and may receive compensation for referrals through tracking parameters in our links.

Third-Party Terms: Your interactions with third-party websites are governed by their respective terms of service and privacy policies. We encourage you to review these documents before providing any personal information or engaging with their services.

No Control: We have no control over third-party content, products, services, or practices. We are not responsible for the accuracy, completeness, or reliability of information on external sites.

Intellectual Property Rights

All content on our Website, including text, graphics, logos, images, design elements, and software, is owned by us or our licensors and is protected by UK and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content without our express written permission.

Limited License: We grant you a limited, non-exclusive, non-transferable license to access and use our Website for personal, non-commercial purposes in accordance with these Terms.

User-Generated Content

When you submit information through our contact forms or other interactive features, you grant us a non-exclusive, royalty-free, perpetual, and worldwide license to use, modify, and display such content for the purposes of providing our services and improving our Website. You represent that any information you provide is accurate and that you have the right to submit such information.

Data Protection and Privacy

Our collection, use, and protection of your personal data is governed by our Privacy Policy, which is incorporated into these Terms by reference. We comply with applicable data protection laws, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

Limitation of Liability

To the fullest extent permitted by applicable law:

Indemnification

You agree to indemnify, defend, and hold harmless us, our officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable legal fees) arising from your use of our Website, violation of these Terms, or infringement of any rights of a third party.

Regulatory Compliance

We strive to comply with applicable financial services regulations, including FCA guidelines on financial promotions. However, you acknowledge that regulatory requirements may change, and you are responsible for ensuring your own compliance with applicable laws and regulations when making financial decisions.

Website Availability and Modifications

We reserve the right to modify, suspend, or discontinue our Website or any portion thereof at any time without notice. We do not guarantee that our Website will be available at all times or free from technical issues. We may update these Terms periodically, and your continued use constitutes acceptance of any changes.

Termination

We may terminate or suspend your access to our Website at any time, with or without notice, for any reason, including violation of these Terms. Upon termination, your right to use our Website ceases immediately, but provisions regarding intellectual property, disclaimers, and limitations of liability shall survive.

Dispute Resolution and Jurisdiction

Governing Law: These Terms are governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles.

Jurisdiction: Any disputes arising from these Terms or your use of our Website shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Alternative Dispute Resolution: Before pursuing formal legal action, we encourage users to contact us directly to attempt to resolve disputes informally.

Severability and Entire Agreement

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding your use of our Website.

Contact for Legal Matters

For questions regarding these Terms of Use, legal compliance, or to report violations, please use our contact form. We will respond to legal enquiries within a reasonable timeframe, typically within 14 business days.

Force Majeure

We shall not be liable for any failure or delay in performance under these Terms which is due to fire, flood, earthquake, pandemic, governmental action, war, terrorism, or other causes beyond our reasonable control.