Disclaimers

Not Financial Advice

Nothing on this website - including articles, guides, tools, calculators, and any other content - constitutes financial advice, investment advice, tax advice, legal advice, or any other form of regulated advice. All content is provided for informational and educational purposes only.

You should not act on any information on this site without first seeking advice from a qualified, regulated financial adviser who is authorised to advise in your country of residence. In the UK, financial advisers must be authorised and regulated by the Financial Conduct Authority (FCA). In other jurisdictions, equivalent regulatory bodies apply.

Introducer Service Only

This website is for information and introduction purposes only. It does not constitute financial advice. Pharos Introductions is an introducer service. We do not provide regulated financial advice or investment recommendations. Every enquiry is manually reviewed before any introduction is made, and lead details are never auto-forwarded to third parties.

Pharos Introductions is not authorised or regulated by the Financial Conduct Authority or any other financial regulatory body. We do not assess the suitability of any financial product or service for any individual.

No Personal Recommendation

No information on this site should be interpreted as a personal recommendation to buy, sell, hold, or transfer any financial product, pension, investment, or insurance policy. Individual circumstances vary significantly, and only a regulated adviser with full knowledge of your personal situation can make a suitable recommendation.

Accuracy and Currency of Information

We endeavour to keep the information on this site accurate and up to date, but tax rules, pension legislation, and regulatory requirements change frequently. We make no warranty - express or implied - that any information on this site is current, complete, or accurate. Verify any information with a qualified adviser before acting on it.

Tax and Pension Rules

Tax treatment depends on individual circumstances and may be subject to change. Pension rules - including lifetime allowances, annual allowances, overseas transfer charges, and benefit access ages - are set by legislation and can change with little notice. Information about pension structures (SIPPs, QROPS, SSAS, and others) is provided for general information only and does not constitute advice to transfer, consolidate, or otherwise deal with any pension.

Third-Party Specialists

Where we introduce enquirers to third-party financial advisers or specialists, we do not accept responsibility for the advice those specialists provide, the products they recommend, or the outcomes of any engagement with them. Any engagement between an enquirer and an introduced specialist is a direct relationship between those two parties.

Jurisdiction

This website is not directed at UK residents. We do not market our services to people ordinarily resident in the United Kingdom. If you are a UK resident and have submitted an enquiry, your enquiry will be reviewed manually and you will be directed to appropriate UK-regulated resources.