Terms of Service

1. Introduction

These Terms of Service ("Terms") govern your use of the website radiant-peaks.com and the financial consulting services provided by Radiant Peaks ("Company", "we", "our", or "us"). By accessing our website or using our services, you agree to be bound by these Terms.

2. Company Information

Radiant Peaks is a financial consulting firm located at:

We are authorized and regulated by the Financial Conduct Authority (FCA).

3. Services

Radiant Peaks provides financial consulting services including:

• Investment advisory services
• Wealth management
• Financial planning
• Business consulting
• Risk management advisory
• Tax advisory services

4. Client Obligations

4.1 Accuracy of Information

You agree to provide accurate, current, and complete information about your financial situation, investment objectives, and risk tolerance. You must promptly notify us of any material changes.

4.2 Compliance

You agree to comply with all applicable laws and regulations in connection with our services and any investment decisions.

4.3 Due Diligence

You acknowledge that you should conduct your own due diligence and seek independent advice before making investment decisions.

5. Our Obligations

5.1 Professional Standards

We will provide our services in accordance with applicable professional standards and regulatory requirements.

5.2 Confidentiality

We will maintain the confidentiality of your personal and financial information in accordance with our Privacy Policy and applicable law.

5.3 Disclosure of Interests

We will disclose any material conflicts of interest that may affect our advice or recommendations.

6. Fees and Payment

6.1 Fee Structure

Our fees will be clearly disclosed and agreed upon before providing services. Fees may be charged as:

• Percentage-based asset management fees
• Fixed consultation fees
• Hourly advisory rates
• Performance-based fees (where permitted)

6.2 Payment Terms

Fees are payable as specified in your service agreement. Late payments may incur additional charges.

7. Investment Risks and Disclaimers

7.1 Investment Risk

All investments carry risk, including the potential loss of principal. Past performance does not guarantee future results.

7.2 No Guarantee

We do not guarantee the performance of any investment or the achievement of any particular financial outcome.

7.3 Market Conditions

Market conditions can change rapidly, and our advice may become outdated. You should regularly review your portfolio and financial plan.

8. Limitation of Liability

To the maximum extent permitted by law:

• Our liability is limited to the fees paid for our services
• We exclude liability for indirect, consequential, or special damages
• We do not accept liability for losses arising from market conditions beyond our control
• Nothing in these Terms excludes our liability for fraud, death, or personal injury

9. Indemnification

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

• Your failure to provide accurate information
• Your non-compliance with applicable laws
• Your breach of these Terms
• Investment decisions made contrary to our advice

10. Termination

10.1 Termination by You

You may terminate our services at any time with written notice. Fees for services already provided remain payable.

10.2 Termination by Us

We may terminate our services with reasonable notice or immediately if:

• You breach these Terms
• You fail to pay fees when due
• We reasonably believe continuation would violate regulations
• There is a material change in circumstances

11. Complaints Procedure

If you have a complaint about our services:

1. Contact us directly at [email protected]
2. We will acknowledge your complaint within 3 business days
3. We will investigate and respond within 8 weeks
4. If unsatisfied, you may refer the matter to the Financial Ombudsman Service

12. Regulatory Information

12.1 Authorization

We are authorized and regulated by the Financial Conduct Authority (FCA). You can verify our authorization on the FCA register.

12.2 Compensation Scheme

We participate in the Financial Services Compensation Scheme (FSCS), which may provide compensation for eligible claims.

12.3 Professional Indemnity

We maintain professional indemnity insurance as required by FCA regulations.

13. Data Protection

Our collection, use, and processing of your personal data is governed by our Privacy Policy, which forms part of these Terms.

14. Intellectual Property

All content on our website and in our materials is our intellectual property or licensed to us. You may not reproduce, distribute, or create derivative works without our written consent.

15. Force Majeure

We are not liable for any failure to perform our obligations due to circumstances beyond our reasonable control, including natural disasters, government actions, or market closures.

16. Governing Law and Jurisdiction

These Terms are governed by English law. Any disputes will be subject to the exclusive jurisdiction of the English courts.

17. Severability

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

18. Amendments

We may update these Terms from time to time. Material changes will be notified to you in advance. Continued use of our services after changes constitutes acceptance.

19. Entire Agreement

These Terms, together with your service agreement and our Privacy Policy, constitute the entire agreement between us regarding the subject matter herein.

20. Contact Information

For questions about these Terms or our services, please contact us: