Terms of Service

1. Introduction

These terms of service ("Terms") govern your use of the Standard Life x Altor website, application, and services (collectively, the "Services"). The Services are provided by Altor Wealth Management LLP ("we", "us", "our"), a limited liability partnership registered in England and Wales (OC415262).

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use our Services.

2. About Us

Altor Wealth Management LLP is authorised and regulated by the Financial Conduct Authority (FCA) under registration number 769033. Our registered office is at Landmark House, Station Road, Hook, RG27 9HA.

We provide regulated financial advice and investment planning services. Our advice is personal to you and based on the information you provide to us.

3. Eligibility

To use our services, you must:

• Be a current or former employee of Phoenix Life or affiliated companies
• Be at least 18 years old
• Be a resident of the United Kingdom
• Be a UK resident for tax purposes
• Provide accurate, current, and complete information
• Pass our identity verification checks (where required)

4. Our Services

4.1 Financial Education & Tools

We provide educational content, financial calculators, and planning tools to help you understand and manage your finances. These tools provide general information and do not constitute personalised financial advice.

4.2 Financial Health Check

Our financial health check helps you assess your current financial situation and identify areas for improvement. This is an educational tool and does not constitute financial advice.

4.3 Regulated Financial Advice

If you choose to receive regulated financial advice, this will be provided under a separate client agreement. Our advice is personalised based on the information you provide about your financial situation, objectives, and risk tolerance.

5. Important Notices

The tools and calculators on this platform provide estimates based on assumptions that may not reflect your actual circumstances. Always seek professional advice before making financial decisions.

6. Fees and Charges

Access to our educational content, tools, and financial health check is provided free of charge as a benefit for Phoenix Life employees.

If you choose to receive regulated financial advice from Altor Wealth, our fees are clearly set out on our website and in your client agreement. Our standard advisory fee is £825 per month for ongoing advice.

7. Your Account

7.1 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify us immediately of any unauthorised use.

7.2 Account Accuracy

You agree to provide accurate, current, and complete information when creating your account and using our Services. You must update your information promptly if it changes.

8. Your Obligations

You agree to:

• Provide accurate and complete information
• Keep your account credentials secure
• Notify us promptly of any changes to your circumstances
• Not use our Services for any unlawful purpose
• Not attempt to gain unauthorised access to our systems
• Not share your account with others

9. Intellectual Property

All content on our website and in our app, including text, graphics, logos, and software, is owned by Altor Wealth Management LLP or our licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

10. Limitation of Liability

To the fullest extent permitted by law:

• The educational content and tools are provided for information purposes only and do not constitute financial advice
• We are not liable for any decisions you make based on the information provided through our educational tools
• We are not liable for any indirect or consequential losses

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded by law.

11. Privacy

Your use of our Services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.

12. Complaints

If you are unhappy with our service, please contact us. We have a formal complaints procedure, which is available on our Complaints page. If you are not satisfied with our response, you may be able to refer your complaint to the Financial Ombudsman Service.

13. Changes to Terms

We may update these Terms from time to time. We will notify you of any material changes by email or through your account. Your continued use of our Services after such notification constitutes acceptance of the updated Terms.

14. Termination

You may close your account at any time by contacting us. We may suspend or terminate your access to our Services if you breach these Terms or for any other reason at our discretion.

15. Governing Law

These Terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales, except that you may also take action through the courts of your home country if different.

16. Contact Us

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

• Email: info@altorwealth.co.uk
• Post: Altor Wealth Management LLP, Landmark House, Station Road, Hook, RG27 9HA