Important Disclaimer

Last Updated: December 2024

This Website Does Not Provide Financial Advice

Wealth365 is an educational retirement planning tool operated by Construct365 Limited (registered in England & Wales, company number 09805408). All information, calculations, and projections are provided for illustrative purposes only and do not constitute financial, tax, legal, or investment advice.

UK Residents Only

This website and its services are intended exclusively for residents of the United Kingdom. The tax rates, pension rules, State Pension calculations, and other financial information are based on UK legislation and are not applicable to other jurisdictions. We do not offer our services to individuals outside the UK.

1. Regulatory Status

We Are Not Authorised by the FCA

Wealth365 is not authorised or regulated by the Financial Conduct Authority (FCA) to provide financial advice, investment advice, or any other regulated financial services.

Nothing on this website should be construed as:

A personal recommendation to buy, sell, or hold any investment
An invitation or inducement to engage in investment activity under the Financial Services and Markets Act 2000 (FSMA)
Advice on the merits of any particular transaction or investment strategy
Tax advice or guidance on your personal tax situation
Pension transfer or switching advice

Introducer Status

Where we provide links to financial adviser directories or other financial services providers, we act as an introducer only under Article 33 of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001 (RAO).

This means:

We may introduce you to third-party financial advisers or platforms
We may receive a referral fee for successful introductions (this is disclosed where applicable)
We do not provide any financial advice ourselves
Any advice you receive will be provided by FCA-authorised firms, not by us

2. Limitations of Our Calculations

The retirement projections and calculations provided by Wealth365 are based on assumptions and simplifications. You should be aware that:

2.1 Future Performance

Investment returns are not guaranteed. Past performance does not guarantee future results.
The value of investments can fall as well as rise, and you may get back less than you invest.
Growth rate assumptions used in projections are illustrative only.

2.2 Tax Rules

UK tax legislation changes frequently. The rates and allowances shown are based on the 2024/25 tax year and may be out of date.
Individual circumstances affect how tax rules apply to you.
We cannot account for all possible tax reliefs, allowances, or interactions.
You should consult HMRC or a qualified tax adviser for guidance on your specific situation.

2.3 State Pension

State Pension projections are based on current rules and the Triple Lock, which may be modified or removed by future governments.
State Pension age may change.
For an accurate State Pension forecast, request a statement from the Department for Work and Pensions (DWP) or check your National Insurance record online.

2.4 Pension Allowances

Annual Allowance, Lump Sum Allowance, and other pension limits are subject to change.
Tapered Annual Allowance calculations are simplified and may not reflect your exact situation.
Carry forward rules and Money Purchase Annual Allowance (MPAA) may apply to you.

2.5 Inflation and Economic Assumptions

Inflation projections are assumptions only. Actual inflation may vary significantly.
Economic conditions, interest rates, and other factors are unpredictable.

3. Data Sources

We endeavour to use accurate and up-to-date information from official sources, including:

Data Type	Source
Income Tax rates and bands	HMRC / GOV.UK
National Insurance rates	HMRC / GOV.UK
State Pension amounts	DWP / GOV.UK
Pension Annual Allowance	HMRC / GOV.UK
ISA allowances	HMRC / GOV.UK
Capital Gains Tax rates	HMRC / GOV.UK
Inheritance Tax thresholds	HMRC / GOV.UK

However, we cannot guarantee that all information is current or error-free. Always verify important figures with official sources before making financial decisions.

4. Seek Professional Advice

You Should Speak to a Qualified Adviser

Before making any significant financial decisions, we strongly recommend you seek advice from:

A qualified Financial Adviser – regulated by the Financial Conduct Authority (FCA)
A qualified Tax Adviser or Accountant – for tax planning matters
A Solicitor – for estate planning and legal matters

You can verify whether an adviser is FCA-authorised by checking the FCA Financial Services Register.

When to Seek Advice

You should consider seeking professional advice if you are:

Making pension transfer or consolidation decisions
Approaching retirement and considering drawdown options
Earning over £100,000 (Personal Allowance taper)
Planning to access your pension before age 55 (57 from 2028)
Considering equity release or property-related decisions
Planning for inheritance tax
In receipt of a defined benefit (final salary) pension
Affected by the Lifetime Allowance or Lump Sum Allowance

5. No Liability

To the fullest extent permitted by law:

We accept no liability for any loss or damage arising from your use of this website or reliance on any information, calculations, or projections provided.
We are not responsible for any financial decisions you make based on information from Wealth365.
We do not guarantee the accuracy, completeness, or timeliness of any information on this website.
We are not liable for any errors, omissions, or interruptions to the service.

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

6. Third-Party Links

This website may contain links to third-party websites, including:

Financial adviser directories (e.g., Unbiased, VouchedFor)
Government websites (e.g., GOV.UK, HMRC)
Regulatory websites (e.g., FCA, ICO)

We are not responsible for the content, accuracy, or practices of any third-party websites. Links are provided for convenience only and do not imply endorsement.

7. Affiliate Disclosure

Where we provide links to financial adviser directories or other services, we may receive a referral fee if you engage with those services. This is disclosed transparently on the relevant pages.

Our recommendations and referrals are based on what we believe may be useful to our users, but you should always conduct your own research and verify the credentials of any adviser or service provider.

8. Changes to This Disclaimer

We may update this disclaimer from time to time. The "Last Updated" date at the top of this page indicates when changes were last made. We encourage you to review this page periodically.

9. Contact Us

If you have any questions about this disclaimer, please contact us:

Construct365 Limited (trading as Wealth365)
Email: contact@wealth365.co.uk

10. Governing Law

This disclaimer is governed by and construed in accordance with the laws of England and Wales. Any disputes arising from this disclaimer shall be subject to the exclusive jurisdiction of the courts of England and Wales.