nextstepfp.co.uk is operated by Next Step Financial Planning Ltd.

We are registered in England and Wales under company number 17307784. Our registered office is 3rd Floor Granite Building, 6 Stanley Street, Liverpool, England, L1 6AF, and our correspondence address is 750 Mandarin Court, Warrington, WA1 1GG.

Next Step Financial Planning Ltd is an appointed representative of Corbel Partners Limited, which is authorised and regulated by the Financial Conduct Authority.

You can contact us at enquiries@nextstepfp.co.uk.

By using our site, you accept these terms. If you do not accept them, please do not use the site.

We may update these terms from time to time, so please check back occasionally. The date above tells you when they last changed. Changes take effect from the date they are published.

This is the most important thing on this page, so we have kept it short.

Everything on this website is general information, not personal financial advice. It does not take account of your circumstances, your goals or your attitude to risk, and it is not a recommendation to buy, sell or hold anything, or to take any particular course of action.

Personal advice is something we give you after we have got to know you — through a discovery call, a fact-find and a written recommendation setting out why something suits you and what it will cost. Reading a page on our website is not that.

If you are unsure whether something applies to you, speak to us before acting on it.

The value of investments, and the income from them, can fall as well as rise. You may get back less than you invested. Past performance is not a guide to future performance.

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

Where our site refers to pension transfers, drawdown or taking income from a pension, please note that withdrawing money from your pension reduces what is left to provide an income later, and taking too much too soon can leave you short.

The Financial Conduct Authority does not regulate tax planning, trusts, estate or succession planning, or cashflow modelling.

The information on this site is based on UK legislation and regulation, and is aimed at consumers based in the UK. It is not directed at anyone in any country where publishing it would be unlawful, or where we are not permitted to provide our services.

If you access the site from outside the UK, you do so on your own initiative and you are responsible for complying with your own local laws.

We work to keep the site accurate and up to date, but tax rules, allowances, legislation and market conditions change. We do not promise that everything on the site is current at the moment you read it, and we are under no obligation to update it.

We do not guarantee that the site will always be available or uninterrupted. We may suspend, withdraw or restrict all or part of it for business or operational reasons, and we will try to give reasonable notice where we can.

Where we link to other websites, we do so for information only. We have no control over their content and we are not responsible for it, or for any loss you suffer as a result of using them. A link is not an endorsement.

Where we provide a calculator, tool or downloadable guide, the results it produces are illustrations based on the assumptions stated and the figures you enter. They are not forecasts, guarantees or personal recommendations, and they should not be relied on as the basis for a decision. Please talk to us before acting on anything a tool tells you.

We own, or are licensed to use, all intellectual property rights in this site and everything published on it. Those rights are protected by law.

You may print or download extracts for your own personal, non-commercial use, and you may share our pages with others. You must not use any part of our content commercially without a licence from us, alter it, or remove any notice of authorship. If you use or share our content, please acknowledge us as the source.

You must not use our site unlawfully, or in any way that could damage it, disable it, overburden it or interfere with anyone else’s use of it. You must not introduce viruses or other malicious material, or attempt to gain unauthorised access to the site, the server it is stored on, or any connected database.

We will report any breach of this kind to the relevant law enforcement authorities.

We do not guarantee that our site is free from bugs or viruses. You are responsible for configuring your own technology and using your own virus protection.

Nothing in these terms limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot lawfully be limited or excluded. Nothing in these terms affects any rights you have under our regulatory obligations, or your rights under consumer law.

Subject to that, and because the site provides general information rather than advice:

• We do not accept liability for any loss arising from action taken, or not taken, in reliance on the content of this site
• If you use the site for any commercial or business purpose, we will have no liability to you for loss of profit, loss of business, business interruption or loss of business opportunity

We only use your personal information as set out in our Privacy Policy and our Cookies Policy. Please read both.

If you are unhappy with our service or advice, please tell us — we would much rather hear about it. Our complaints procedure is available on request.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at financial-ombudsman.org.uk.

We may also be covered by the Financial Services Compensation Scheme. You can find out more at fscs.org.uk.

These terms, and any dispute arising from them, are governed by the law of England and Wales. The courts of England and Wales have exclusive jurisdiction, although if you live in Scotland or Northern Ireland you may also bring proceedings there.

If you have a question about these terms, please email enquiries@nextstepfp.co.uk.