Terms of Service

1. Agreement to Terms

By accessing and using the services of Pawnebegui ("Company," "we," "our," or "us"), you accept and agree to be bound by the terms and provision of this agreement. These Terms of Service ("Terms") govern your use of our website located at pawnebegui.com and all related services, features, and content.

2. Description of Services

Pawnebegui provides financial planning and advisory services, including but not limited to:

• Retirement planning and pension advice
• Investment management and portfolio optimization
• Tax planning and optimization strategies
• Estate planning and wealth transfer guidance
• Risk assessment and insurance planning
• General financial consultation and education

3. Eligibility and Registration

Our services are available to individuals who:

• Are at least 18 years of age
• Are legal residents of the United Kingdom
• Have the legal capacity to enter into binding agreements
• Provide accurate and complete information during registration

4. Professional Standards and Regulatory Compliance

Pawnebegui operates under the regulatory oversight of the Financial Conduct Authority (FCA). Our advisors are qualified and authorized to provide financial advice in the United Kingdom. We adhere to all applicable laws, regulations, and professional standards, including:

• FCA Conduct of Business Rules
• Data Protection Act 2018 and UK GDPR
• Money Laundering Regulations
• Professional indemnity insurance requirements

5. Client Responsibilities

As our client, you agree to:

• Provide accurate, complete, and timely information
• Update us promptly of any changes to your circumstances
• Review all recommendations and documentation carefully
• Ask questions if you don't understand any aspect of our advice
• Make informed decisions based on your personal circumstances
• Pay fees and charges as agreed

6. Fees and Payment Terms

Our fee structure will be clearly disclosed to you before any services are provided. Fees may include:

• Initial consultation fees
• Ongoing advisory fees
• Transaction-based charges
• Asset management fees

Payment terms will be specified in your client agreement. Late payment may result in interest charges and suspension of services.

7. Investment Risks and Disclaimers

You acknowledge that:

• All investments carry risk and may lose value
• Past performance does not guarantee future results
• We cannot guarantee investment returns or outcomes
• You are responsible for final investment decisions
• Economic and market conditions may affect your investments
• You should not invest more than you can afford to lose

8. Confidentiality and Data Protection

We maintain strict confidentiality regarding your personal and financial information. We will not disclose your information to third parties except:

• With your explicit consent
• To service providers necessary for delivering our services
• When required by law or regulatory authorities
• To protect our legitimate business interests

9. Termination

Either party may terminate this agreement with written notice. Upon termination:

• All outstanding fees become immediately due
• We will provide a final statement of your account
• You may request transfer of your investments
• We will securely destroy or return confidential information as appropriate

10. Limitation of Liability

To the maximum extent permitted by law, Pawnebegui's liability is limited to the fees paid by you for our services. We shall not be liable for:

• Investment losses due to market conditions
• Indirect, consequential, or punitive damages
• Losses resulting from your failure to follow our advice
• Third-party actions or system failures

11. Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of Pawnebegui and protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

12. Website Use and Restrictions

You agree not to:

• Use our website for unlawful purposes
• Attempt to gain unauthorized access to our systems
• Transmit viruses or malicious code
• Interfere with other users' access to our services
• Impersonate others or provide false information

13. Disputes and Complaints

If you have a complaint about our services:

1. Contact us directly to discuss the issue
2. If unresolved, you may escalate to our complaints procedure
3. You may refer unresolved complaints to the Financial Ombudsman Service
4. You are covered by the Financial Services Compensation Scheme

14. Governing Law

These Terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the English courts.

15. Changes to Terms

We may update these Terms periodically. Material changes will be communicated to you with reasonable notice. Continued use of our services after changes constitutes acceptance of the updated Terms.

16. Contact Information

For questions about these Terms of Service, please contact us: