Template notice: this is a starting draft, not legal advice. Before publishing, have it reviewed alongside your Privacy Policy by a solicitor who can confirm two things specific to this business: (1) whether your marketing content needs sign-off under the UK's financial promotion rules (FSMA 2000, s.21), and (2) that the governing-law and liability clauses hold up given you operate across the UK and India.

1. Acceptance of these terms

By using this website, submitting the enquiry form, or otherwise interacting with [Two Horizons — legal company name] ("we", "us", "Two Horizons"), you agree to these Terms of Use. If you don't agree, please don't use the site.

2. What this service is — and isn't

Two Horizons is an introduction and lead-generation service for people already resident in India who hold a UK pension. We help you get in touch with independent, regulated financial advisers who work on cross-border cases. This service is not directed at persons resident in the United Kingdom.

We are not a financial adviser. We do not provide regulated financial, tax, pension, or legal advice, and nothing on this site — including the blog, FAQ, and news sections — should be read as a personal recommendation or relied on as advice. Decisions about your pension should only be made after speaking with a suitably regulated adviser about your specific circumstances.

3. Eligibility

You must be at least 18 years old and legally able to enter a pension or financial planning conversation to use this service. By submitting the form, you confirm the information you provide is accurate to the best of your knowledge.

4. How the introduction works

  • Submitting the form does not create any advisory relationship between you and Two Horizons.
  • We aim to match you with a partner adviser suited to your situation, and share the details you provided with them so they can contact you.
  • We do not guarantee that a match will be made, that any adviser will accept your case, or any particular outcome from speaking with one.
  • Before proceeding with any adviser, you're responsible for independently verifying their regulatory status — for a UK-based adviser, via the FCA Register — and for agreeing directly with them on any fees, scope, or terms of their advice.

5. Third-party content

The "latest news" section aggregates public headlines from third-party news sources and links out to the original publishers. We don't write, edit, fact-check, or endorse that content, and it shouldn't be relied on as advice or as a complete or current statement of the law or of any scheme's rules. Likewise, links to external sites (such as the FCA Register) are provided for convenience — we aren't responsible for their content or availability.

6. Acceptable use

You agree not to use this site to submit false or misleading information, to attempt to disrupt or gain unauthorised access to it, or to use it for any unlawful purpose.

7. Intellectual property

The text, design, and code of this site (excluding third-party content described in Section 5) belong to Two Horizons or our licensors. You may view and share pages for personal, non-commercial use, but may not reproduce or repurpose the site's content commercially without our permission.

8. Liability

To the fullest extent permitted by law, Two Horizons isn't liable for losses arising from your reliance on any content on this site, from any advice given by a partner adviser (which is that adviser's responsibility, not ours), or from the unavailability of the site or the "latest news" section. Nothing in these terms excludes or limits liability where it would be unlawful to do so — including for fraud, or for death or personal injury caused by negligence.

9. Changes

We may update these terms or the service itself from time to time. Continuing to use the site after a change means you accept the updated terms.

10. Governing law

These terms are governed by the laws of [jurisdiction — e.g. England and Wales, once the company is incorporated], without prejudice to any statutory rights you have as a consumer in your own country of residence.

11. Contact

Questions about these terms: [contact@yourdomain.com].