Services are provided by Stephen Richards Consulting Ltd, a limited-liability company registered in Scotland, number SC144342. Stephen Richards Consulting Ltd is registered with the Information Commissioner's Office under the Data Protection Act 1998 (registration number Z963455X).
Information on this website is provided on an "as is" basis, without warranty or guarantee of any kind. This web site is not intended as a substitute for financial advice. It is essential to take professional advice before making any financial decisions or conducting any pensions-related transactions. Neither the information nor the figures on this web site constitute financial advice in the sense of the Financial Services Act 1986.
The text, data and images on this website are copyright Stephen Richards Consulting Ltd unless otherwise specified. No part of this website may be reproduced, stored in a retrieval system, used in a spreadsheet, or transmitted in any form or by any means - electronic, mechanical, photocopying, recording or otherwise - without the express written permission of Stephen Richards Consulting Ltd.
Content on this website may not be copied, re-published or re-distributed, including by caching, framing or similar means, without the prior written consent of Stephen Richards Consulting Ltd. Users are welcome to download presentations and reports for their own personal use. Any citations should give reference to the source as being www.richardsconsulting.co.uk.
Certain (hypertext) links in this site will lead to web sites which are not connected with - or under the control of - Stephen Richards Consulting Ltd. When you activate any of these you will leave this web site. Stephen Richards Consulting Ltd has no control over and will accept no responsibility or liability in respect of the material on any web site which is not under the control of Stephen Richards Consulting Ltd.
These disclaimers and exclusions shall be governed by and construed in accordance with the laws of Scotland, and any dispute in relation to its contents will be subject to the exclusive jurisdiction of the Scottish courts. If any provision of these disclaimers and exclusions shall be unlawful, void or for any reason unenforceable than that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.
Copies of our terms and conditions can be downloaded here.