Terms and Conditions of Use

1. Introduction and Acceptance

Welcome to Wealth365 ("the Service"), operated by Construct365 Limited, a company registered in England & Wales (company number 09805408). Wealth365 is a trading style of Construct365 Limited. By accessing or using this website, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use the Service.

These Terms constitute a legally binding agreement between you ("User", "you") and Construct365 Limited ("we", "us", "our").

Geographic Restriction: This Service is directed at UK residents only. By using this Service, you confirm that you are a resident of the United Kingdom. We make no representation that the content or services comply with the laws of any jurisdiction outside the UK.

2. Important Disclaimer - Illustrative Purposes Only

You acknowledge and agree that:

• The calculations and projections are based on assumptions and estimates that may not reflect actual future performance
• Past performance and projected returns do not guarantee future results
• Tax rules, pension regulations, and allowances may change and the information provided may not reflect the most current legislation
• The Service does not constitute financial, tax, legal, or investment advice
• You should seek independent professional advice from a qualified financial adviser regulated by the Financial Conduct Authority (FCA) before making any financial decisions
• We are not responsible for any financial decisions you make based on information from this Service
• Investment values can fall as well as rise, and you may get back less than you invest

3. Regulatory Status

This Service is provided for informational and educational purposes only. We are not authorised or regulated by the Financial Conduct Authority (FCA) to provide financial advice.

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
• Advice on the merits of any particular transaction or investment strategy
• Tax advice or guidance on your personal tax situation

4. UK Tax and Pension Information

The tax rates, allowances, and pension rules displayed in this Service are based on our understanding of UK legislation for the 2024/25 tax year. However:

• Tax rules are subject to change and may be amended by the UK Government
• Individual circumstances vary and may affect the applicability of tax rates and allowances
• State Pension projections are based on current rules and the Triple Lock, which may be modified or removed
• Annual Allowance, Lifetime Allowance, and other pension limits may change
• Capital Gains Tax rates and reliefs are subject to legislative changes
• You should verify all tax information with HMRC or a qualified tax adviser

5. Data Protection and Privacy (UK GDPR)

5.1 Data Controller

We act as the data controller for personal data collected through this Service, in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

5.2 Personal Data We Collect

We collect and process the following categories of personal data:

• Account Information: Email address, name, and password (encrypted)
• Financial Information: Data you input for retirement planning calculations (pension values, salary, savings, etc.)
• Usage Data: Information about how you use the Service
• Technical Data: IP address, browser type, device information

5.3 Legal Basis for Processing

We process your personal data on the following legal bases:

• Contract: To provide the Service you have requested
• Legitimate Interests: To improve our Service and ensure security
• Consent: Where you have given explicit consent for specific processing

5.4 Data Retention

We retain your personal data for as long as your account is active or as needed to provide you with the Service. You may request deletion of your account and associated data at any time.

5.5 Your Rights

Under UK GDPR, you have the following rights:

• Right of Access: Request a copy of your personal data
• Right to Rectification: Request correction of inaccurate data
• Right to Erasure: Request deletion of your data ("right to be forgotten")
• Right to Restrict Processing: Request limitation of data processing
• Right to Data Portability: Receive your data in a portable format
• Right to Object: Object to processing based on legitimate interests
• Right to Withdraw Consent: Withdraw consent at any time

To exercise these rights, please contact us using the details provided below.

5.6 Data Security

We implement appropriate technical and organisational measures to protect your personal data, including:

• Encryption of passwords using industry-standard hashing algorithms
• Secure HTTPS connections
• Regular security assessments
• Access controls and authentication

6. Cookie Policy

6.1 What Are Cookies

Cookies are small text files placed on your device when you visit our website. They help us provide you with a better experience.

6.2 Cookies We Use

6.3 Managing Cookies

You can control and manage cookies through your browser settings. Please note that disabling essential cookies may affect the functionality of the Service.

Most browsers allow you to:

• View what cookies are stored and delete them individually
• Block third-party cookies
• Block all cookies from specific sites
• Block all cookies from being set
• Delete all cookies when you close your browser

6.4 Legal Basis

We use essential cookies based on our legitimate interest to provide the Service. For non-essential cookies, we will seek your consent in accordance with the Privacy and Electronic Communications Regulations 2003 (PECR).

7. User Accounts and Security

To access certain features of the Service, you must create an account. You agree to:

• Provide accurate and complete registration information
• Maintain the security of your password and account
• Notify us immediately of any unauthorised access or use
• Accept responsibility for all activities under your account

We reserve the right to suspend or terminate accounts that violate these Terms.

8. Intellectual Property

All content, features, and functionality of this Service, including but not limited to text, graphics, logos, icons, calculations, and software, are owned by us or our licensors and are protected by UK and international copyright, trademark, and other intellectual property laws.

You may not:

• Copy, modify, or distribute any content without our prior written consent
• Use the Service for commercial purposes without authorisation
• Reverse engineer or attempt to extract the source code
• Remove any copyright or proprietary notices

9. Limitation of Liability

To the fullest extent permitted by law:

• The Service is provided "as is" without any warranties, express or implied
• We do not warrant that the Service will be uninterrupted, error-free, or free of viruses
• We shall not be liable for any indirect, incidental, special, consequential, or punitive damages
• Our total liability shall not exceed the amount you have paid us (if any) in the 12 months preceding the claim
• We are not liable for any losses arising from your reliance on the calculations or information provided

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

10. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, losses, or expenses arising from:

• Your use of the Service
• Your breach of these Terms
• Your violation of any law or rights of a third party
• Any financial decisions made based on information from this Service

11. Third-Party Links and Services

The Service may contain links to third-party websites or services. We are not responsible for:

• The content, accuracy, or opinions expressed on third-party sites
• The privacy practices or terms of third-party sites
• Any transactions you conduct with third parties

12. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of the Service after changes constitutes acceptance of the modified Terms.

We will endeavour to notify registered users of significant changes via email.

13. Termination

We may terminate or suspend your access to the Service at any time, without prior notice, for any reason, including breach of these Terms.

Upon termination:

• Your right to use the Service will cease immediately
• We may delete your account and associated data
• Provisions that by their nature should survive termination will survive

14. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of England and Wales.

Any disputes arising from these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts of England and Wales.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and us regarding the use of the Service.

17. Contact Information

For questions about these Terms or to exercise your data protection rights, please contact:

Construct365 Limited (trading as Wealth365)
Email: contact@wealth365.co.uk
Data Protection Enquiries: dpo@wealth365.co.uk

18. Complaints

If you have a complaint about our handling of your personal data, you have the right to lodge a complaint with the Information Commissioner's Office (ICO):

Website: ico.org.uk
Telephone: 0303 123 1113