Terms of Service

1. Introduction

These Terms of Service ("Terms") govern your use of the ChromaticFlux website and our financial services. By accessing our website or using our services, you agree to be bound by these Terms.

ChromaticFlux Limited is a company registered in England and Wales (Company Number: 12345678) and is authorised and regulated by the Financial Conduct Authority (FCA Reference: FRN123456).

2. Definitions

• "Company", "we", "us", "our": ChromaticFlux Limited
• "Client", "you", "your": The person or entity using our services
• "Services": Financial advice, planning, and related services provided by us
• "Website": The ChromaticFlux website and all associated pages
• "Agreement": The contract between you and us for the provision of services

3. Use of Our Website

3.1 Permitted Use

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

• In any way that violates applicable laws or regulations
• To transmit harmful, threatening, or offensive content
• To interfere with or disrupt the website's functionality
• To attempt unauthorised access to any part of the website
• For any commercial purposes without our written consent

3.2 Intellectual Property

All content on our website, including text, graphics, logos, and software, is our property or licensed to us and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

4. Financial Services

4.1 Service Provision

We provide financial advice and planning services to clients in accordance with FCA regulations. Our services include:

• Investment advice and portfolio management
• Pension and retirement planning
• Tax planning and efficiency strategies
• General financial planning and budgeting advice

4.2 Client Categorisation

We will categorise you as a retail client unless you meet the criteria for professional client status. As a retail client, you receive the highest level of regulatory protection under FCA rules.

4.3 Suitability and Appropriateness

Before providing advice, we will assess your financial situation, experience, and objectives to ensure our recommendations are suitable for you. You must provide accurate and complete information for this assessment.

5. Fees and Charges

5.1 Fee Structure

Our fees will be clearly disclosed before you engage our services. We may charge:

• Initial consultation fees
• Ongoing advice fees
• Transaction-based fees
• Annual review fees

5.2 Payment Terms

Fees are payable as agreed in your service agreement. We reserve the right to charge interest on overdue amounts at 8% per annum above the Bank of England base rate.

6. Client Responsibilities

As our client, you agree to:

• Provide accurate and complete information about your financial circumstances
• Inform us promptly of any material changes to your situation
• Review all documentation and advice carefully before making decisions
• Pay fees and charges as agreed
• Comply with all applicable laws and regulations

7. Limitations of Liability

7.1 Exclusions

To the fullest extent permitted by law, we exclude liability for:

• Any losses arising from your failure to follow our advice
• Market fluctuations and investment performance
• Acts or omissions of third-party product providers
• Indirect, consequential, or special damages

7.2 Maximum Liability

Our total liability to you for any claim shall not exceed the total fees paid by you to us in the 12 months preceding the claim, or £1 million, whichever is lower.

7.3 Professional Indemnity

We maintain professional indemnity insurance as required by FCA regulations, providing additional protection for our clients.

8. Confidentiality

We will keep your personal and financial information confidential, except where disclosure is:

• Required by law or regulation
• Necessary to provide our services
• Authorised by you in writing
• Required to protect our legitimate interests

9. Termination

9.1 Termination by Client

You may terminate our services at any time by giving written notice. You will remain liable for fees incurred up to the termination date.

9.2 Termination by Us

We may terminate our services by giving reasonable notice if:

• You breach these terms
• You fail to pay fees when due
• We are unable to continue providing services for regulatory reasons
• It is in your best interests

10. Complaints Procedure

If you have a complaint about our services:

1. Contact us in writing with details of your complaint
2. We will acknowledge your complaint within 3 business days
3. We will investigate and provide a written response within 8 weeks
4. If you remain unsatisfied, you may refer the matter to the Financial Ombudsman Service

11. Data Protection

We process your personal data in accordance with our Privacy Policy and applicable data protection laws. Please refer to our Privacy Policy for detailed information about how we handle your data.

12. Force Majeure

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

13. Governing Law

These Terms are governed by English law and subject to the exclusive jurisdiction of the English courts. If any provision is found to be unenforceable, the remaining provisions shall continue in full force and effect.

14. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes and post the updated Terms on our website. Your continued use of our services constitutes acceptance of the revised Terms.

15. Contact Information

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