Terms of use

Acceptance

By accessing smartdevsys.digital you agree to these terms. If you do not agree, please stop using the site. Enquiries submitted through our forms are invitations to discuss regulated advice; they do not create an adviser–client relationship until we issue and you accept a fee and engagement letter.

Information on this site

Content describes UK financial advice and consulting services in general terms. It is not personalised advice, a financial promotion of a specific product, or a recommendation to buy, sell, or transfer any investment, pension, or insurance contract. Figures in fee guides and case notes are illustrative.

Intellectual property

Text, layout, logos, and graphics on this site belong to Cedar Wharf Financial Advice or are used under licence. You may not copy, republish, or adapt them for commercial use without written permission. You may quote short excerpts for personal reference with attribution.

User obligations

You agree not to misuse the contact forms, attempt to disrupt the site, or submit false contact details. You must be at least 18 years old to request a consultation.

Liability

We take care to keep website information accurate, but we do not warrant that it is complete or current at all times. To the fullest extent permitted by law, Cedar Wharf Financial Advice is not liable for loss arising from reliance on general website content alone. Nothing in these terms limits liability for death or personal injury caused by negligence, fraud, or other liability that cannot be limited under the law of England and Wales as applied in Great Britain.

Third-party links

Links to government services, pension providers, or other sites are provided for convenience. We are not responsible for their content or privacy practices.

Governing law

These terms are governed by the laws of England and Wales as applicable in Great Britain (GB). Courts of England and Wales have exclusive jurisdiction, except that consumers resident in Wales or Scotland may bring proceedings in their local courts where mandatory consumer rules allow.

Contact

Questions about these terms: hello@smartdevsys.digital, +44-2-066-8420, 10004 Brady Stream, Parker-on-Bednar, Wales, United Kingdom.