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Terms & Conditions
Last updated: 25 August 2026
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These Terms & Conditions apply to your use of the Pecunia Financial Planning Limited website and our services.
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1. About Us
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Pecunia Financial Planning Limited is a company registered in England and Wales under company number 15693682.
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Registered office:
5 The Dingle, Heapey, Chorley, Lancashire, PR6 9AZ, United Kingdom
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Email: greg@pecuniafp.com
Telephone: 07821 524 942
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In these Terms, "we", "us" and "Pecunia" refer to Pecunia Financial Planning Limited.
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2. Our Services
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Pecunia provides financial planning, financial education, cashflow forecasting and related guidance.
Our services may include retirement planning, wealth planning, pension and investment education, estate and legacy planning, and financial planning for major life changes.
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Pecunia does not provide regulated financial advice and is not an FCA-regulated financial adviser. We do not sell, arrange or recommend investment, pension or insurance products.
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Our services are intended to help you understand your financial position and options. You remain responsible for your financial decisions.
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Where regulated financial, legal or tax advice is required, we may recommend that you seek advice from an appropriately qualified or authorised professional.
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3. Information and Forecasts
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Information provided by Pecunia is for planning and educational purposes.
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Any cashflow forecast, projection or financial model is based on information and assumptions available at the time and is not a guarantee of future results.
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Actual outcomes may differ due to investment performance, inflation, taxation, legislation, market conditions and changes in your circumstances.
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You are responsible for ensuring that information you provide to us is accurate and up to date.
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4. Fees and Payment
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Our fees depend on the services required and will be agreed with you before paid work begins.
Any ongoing service, one-off consultancy or hourly support will be subject to the applicable fee agreed with you.
Invoices must be paid within the payment period stated on the invoice.
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5. Cancellation and Termination
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You may cancel our services in accordance with the terms of your individual service agreement.
Where you enter into a service contract online, by email or telephone as a consumer, you may have a statutory 14-day cancellation right, subject to applicable law and any exceptions.
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If you ask us to begin providing services during this period, you may be required to pay for services already provided if you subsequently cancel.
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Nothing in these Terms limits any statutory consumer rights that cannot legally be excluded.
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6. Website
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The information on this website is provided for general and educational purposes.
We take reasonable care to keep the information accurate and up to date, but we do not guarantee that the website or its content will always be complete, current or error-free.
You should not rely solely on website information when making significant financial, tax or legal decisions.
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7. Intellectual Property
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All content on this website, including text, branding, graphics, logos and documents, belongs to Pecunia Financial Planning Limited or is used with permission.
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You may use the website for personal, non-commercial purposes. You must not reproduce, distribute or commercially exploit our content without our written permission.
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8. Liability
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We provide our services with reasonable care and skill.
Nothing in these Terms excludes or limits liability that cannot legally be excluded, including liability for fraud, fraudulent misrepresentation, or death or personal injury caused by negligence.
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Subject to this, Pecunia is not responsible for losses resulting from inaccurate information supplied by you, decisions you make independently, third-party actions, changes in legislation or taxation, market movements, or circumstances outside our reasonable control.
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9. Privacy
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We process personal information in accordance with applicable UK data protection legislation.
Please refer to our Privacy Policy for information about how we collect, use and protect your personal data.
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10. Complaints
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If you are unhappy with our services, please contact us at:
We will consider your complaint and seek to resolve it fairly.
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11. Changes to These Terms
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We may update these Terms & Conditions from time to time. The latest version will be published on this website together with the date of the latest update.
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12. Governing Law
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These Terms & Conditions are governed by the law of England and Wales.
Nothing in these Terms affects any statutory rights you may have as a consumer.
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13. Contact
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Pecunia Financial Planning Limited
5 The Dingle
Heapey
Chorley
Lancashire
PR6 9AZ
United Kingdom
Email: greg@pecuniafp.com
Telephone: 07821 524 942
Company number: 15693682