Credible Life
Credible Life > Terms & Conditions

Terms & Conditions

Last Updated: July 28, 2026

Welcome to Credible Life

These Terms & Conditions (“Terms”) govern your access to and use of the Credible Life website (“Website”) and the services provided through it. By accessing or using our Website, you agree to be bound by these Terms. If you do not agree with these Terms, please discontinue use of the Website.

1. About Credible Life

Credible Life provides information, guidance, and access to financial planning services, including but not limited to:

  • Wealth Management
  • Retirement Planning
  • Pension Advisory
  • Investment Planning
  • Tax Planning
  • Estate Planning
  • Insurance Solutions
  • Cross-Border Financial Advice
  • Expat Financial Services

The information available on this Website is intended for general informational purposes only.

2. Eligibility

You must be at least 18 years old to use this Website or request our services.

By using this Website, you confirm that you have the legal capacity to enter into binding agreements.

3. No Financial Advice Through the Website

The content published on this Website does not constitute financial, investment, tax, legal, or accounting advice.

Any articles, calculators, guides, newsletters, or educational materials are provided for general information only and should not be relied upon as a substitute for professional advice tailored to your individual circumstances.

Financial decisions should only be made after consultation with a qualified adviser.

4. Consultation Services

Submitting an enquiry or booking a consultation does not create an adviser-client relationship.

Any professional relationship begins only after both parties have agreed to proceed and any required engagement documentation has been completed.

5. User Responsibilities

When using our Website, you agree to:

  • Provide accurate and complete information.
  • Keep your contact information up to date.
  • Use the Website lawfully.
  • Not attempt to interfere with the security or operation of the Website.
  • Not upload malicious software or harmful content.
  • Not misuse any forms, communication tools, or resources available on the Website.

6. Intellectual Property

Unless otherwise stated, all content on this Website, including but not limited to:

  • Text
  • Graphics
  • Logos
  • Icons
  • Images
  • Videos
  • Documents
  • Downloads
  • Website design
  • Branding

is owned by or licensed to Credible Life and is protected by applicable intellectual property laws.

You may view and download content for your personal, non-commercial use only.

You may not reproduce, distribute, modify, publish, or commercially exploit any Website content without prior written permission.

7. Third-Party Links

Our Website may contain links to external websites for your convenience.

Credible Life does not control or endorse third-party websites and is not responsible for their content, services, privacy practices, or availability.

Accessing external websites is entirely at your own risk.

8. Accuracy of Information

While we strive to keep information accurate and current, we do not guarantee that all Website content is complete, accurate, or up to date.

Financial regulations, taxation rules, investment products, and market conditions may change without notice.

9. Investment Risks

Investments involve risk.

The value of investments may increase or decrease, and past performance is not a guarantee of future results.

You may receive less than the amount originally invested.

Credible Life does not guarantee investment performance or financial outcomes.

10. Limitation of Liability

To the fullest extent permitted by law, Credible Life shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:

  • Your use of this Website.
  • Reliance on Website content.
  • Errors or omissions.
  • Service interruptions.
  • Technical issues.
  • Unauthorized access to information.
  • Decisions made based on Website information.

Nothing in these Terms excludes liability that cannot be excluded under applicable law.

11. Indemnification

You agree to indemnify and hold harmless Credible Life, its directors, employees, consultants, affiliates, and partners from any claims, damages, liabilities, costs, or expenses arising from your misuse of the Website or your breach of these Terms.

12. Privacy

Your use of this Website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.

13. Website Availability

We aim to keep the Website available at all times but do not guarantee uninterrupted access.

We reserve the right to suspend, modify, update, or discontinue any part of the Website without prior notice.

14. Changes to These Terms

Credible Life may update these Terms from time to time.

Any changes will become effective immediately upon publication on this page.

Your continued use of the Website after changes are posted constitutes acceptance of the revised Terms.

15. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws applicable to the jurisdiction in which Credible Life operates, unless otherwise required by applicable consumer protection laws.

Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the competent courts of that jurisdiction.

16. Contact Us

If you have any questions regarding these Terms & Conditions, please contact us:

Credible Life

Email: info@credible-life.com

Website: https://credible-life.com

Acceptance of Terms

By accessing or using the Credible Life Website, you acknowledge that you have read, understood, and agreed to these Terms & Conditions.

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Last Updated: July 28, 2026

Privacy Policy

At Credible Life ("we," "our," or "us"), we are committed to protecting your privacy and safeguarding the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit our website or use our services.

By accessing or using our website, you agree to the practices described in this Privacy Policy.

1. Information We Collect

We may collect the following categories of information:

Personal Information

When you contact us, request a consultation, subscribe to our newsletter, or complete any online forms, we may collect:

  • Full name
  • Email address
  • Telephone number
  • Country of residence
  • Nationality (where relevant)
  • Employment information
  • Financial planning requirements
  • Retirement or pension information
  • Investment objectives
  • Tax residency information
  • Any additional information you voluntarily provide

Technical Information

When you browse our website, we may automatically collect:

  • IP address
  • Browser type
  • Device information
  • Operating system
  • Pages visited
  • Date and time of access
  • Referral website
  • Cookies and similar technologies

2. How We Use Your Information

We use your information to:

  • Respond to enquiries
  • Arrange consultations
  • Provide financial planning services
  • Connect you with qualified financial advisers where appropriate
  • Deliver investment, pension, tax, property, and estate planning guidance
  • Improve our website and services
  • Communicate important updates
  • Send newsletters or marketing communications (only where you have opted in)
  • Comply with applicable legal and regulatory obligations
  • Detect fraud and protect against unauthorized activity

3. Legal Basis for Processing

Where applicable under relevant privacy laws, we process personal information based on:

  • Your consent
  • Performance of a contract
  • Compliance with legal obligations
  • Our legitimate business interests
  • Protection of vital interests where required by law

4. Sharing Your Information

We do not sell your personal information.

We may share your information with:

  • Independent financial advisers within our professional network
  • Pension specialists
  • Tax advisers
  • Investment professionals
  • Estate planning specialists
  • Property advisers
  • IT and website service providers
  • Regulatory authorities where legally required
  • Professional advisers including auditors, accountants, or legal counsel

All third parties are expected to protect your information and process it only for authorized purposes.

5. International Data Transfers

As we work with clients around the world, your personal information may be transferred to and processed in countries outside your country of residence.

Where required, we take appropriate safeguards to ensure your personal information remains protected in accordance with applicable data protection laws.

6. Cookies

Our website uses cookies and similar technologies to:

  • Improve website performance
  • Remember user preferences
  • Analyse website traffic
  • Enhance user experience
  • Measure marketing effectiveness

You can modify your browser settings to disable cookies at any time. Please note that some website features may not function correctly if cookies are disabled.

7. Data Security

We implement appropriate technical and organizational measures designed to protect your information against:

  • Unauthorized access
  • Loss
  • Misuse
  • Alteration
  • Disclosure
  • Destruction

Although we take reasonable precautions, no method of transmitting information over the internet can be guaranteed to be completely secure.

8. Data Retention

We retain personal information only for as long as necessary to:

  • Provide our services
  • Meet legal and regulatory obligations
  • Resolve disputes
  • Enforce our agreements
  • Maintain appropriate business records

When information is no longer required, it will be securely deleted or anonymized.

9. Your Rights

Depending on your location and applicable law, you may have the right to:

  • Access your personal information
  • Correct inaccurate information
  • Request deletion of your information
  • Restrict processing
  • Object to processing
  • Withdraw consent
  • Request data portability
  • Lodge a complaint with the appropriate data protection authority

To exercise these rights, please contact us using the details below.

10. Marketing Communications

If you subscribe to our updates, we may send you information about financial planning, pensions, tax, investment opportunities, and company news.

You may unsubscribe from marketing emails at any time by clicking the unsubscribe link or contacting us directly.

11. Third-Party Websites

Our website may contain links to third-party websites.

We are not responsible for the privacy practices or content of those external websites. We encourage you to review their privacy policies before providing any personal information.

12. Children's Privacy

Our services are intended for adults seeking financial advice.

We do not knowingly collect personal information from individuals under the age of 18.

If we become aware that personal information has been collected from a child without appropriate consent, we will promptly delete such information.

13. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our services, legal obligations, or business practices.

The revised version will be posted on this page with an updated "Last Updated" date.

14. Contact Us

If you have any questions about this Privacy Policy or how we handle your personal information, please contact us:

Credible Life

Email: info@credible-life.com

Website: https://credible-life.com

Your Trust Matters

Protecting your privacy is fundamental to the relationship we build with every client. We are committed to handling your information responsibly, transparently, and securely while providing trusted cross-border financial guidance.

If the website will serve UK, EU, and U.S. clients, I can also prepare a GDPR-compliant Privacy Policy with additional sections covering lawful processing, international transfers, data subject rights, and compliance expectations commonly used by regulated financial advisory firms.

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