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These terms cover your use of the Opeluxenoweb website. They are not a contract for financial advice, because we do not provide financial advice.
You may read the journal for your own learning. You may not treat it as a personal recommendation, scrape it into a product, or present our composites as real people.
The law of Scotland governs these terms. The address for notices is 1 Linton Ct, Glenrothes KY6 1JF, UK.
Questions go to the deskOpeluxenoweb is an independent editorial publication at 1 Linton Ct, Glenrothes KY6 1JF, UK. You can reach us at [email protected] or +44 7457 991876. We are not authorised or regulated by the Financial Conduct Authority. Nothing on this website is an invitation to invest, a personal recommendation, or a statement that any particular pension, ISA, fund, or provider is suitable for you.
Articles, tables, and on-page sketches are general information aimed at a UK audience. They are dated where they rely on a rate or an allowance. They do not consider your tax position, health, debts, schemes, or objectives, except by accident of resemblance.
Calculators run in your browser. They ignore, unless the page says otherwise, inflation, fees, tax, employer contributions, and the order of investment returns. Outputs are illustrations. You must not rely on them as a forecast or as the basis for leaving a job, transferring a pension, or choosing an investment.
Before you take pension money, consider free guidance from MoneyHelper, including Pension Wise if you are eligible. Before you rely on a rate, open the current page on GOV.UK or HMRC. If we and a government page disagree, the government page wins, and we would like you to tell us.
Writing to [email protected] or calling +44 7457 991876 does not make you a client and does not oblige us to reply with guidance on your affairs. We may decline messages that ask for personal recommendations, that include account details, or that we cannot answer from the published pages. We do not provide a regulated activity by publishing this website.
The text, layout, and original images on this site are owned by Opeluxenoweb or used with permission. You may share a link. You may quote a short passage with credit and a link for non-commercial discussion. You may not copy pages into another site, train a model on the collection, or sell the sketches as case studies. Composite people are fictional. Using their names as testimonials is a breach of these terms.
Do not attempt to break the site, probe it for data, send unlawful material, or use the contact route to harass the desk. We may ignore or pass on messages that threaten anyone.
We take care with sources. We do not warrant that the site is complete, current, or free of error. To the extent the law allows, we are not liable for decisions you make after reading the journal, including loss of income, tax, investment loss, or a missed allowance.
Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any other liability that the law of Scotland does not allow us to exclude. If you are a consumer, you also keep any mandatory rights that apply to you.
Links to GOV.UK, HMRC, MoneyHelper, the Information Commissioner, and other sites are there for convenience. Those sites have their own terms. We do not control them and we are not responsible for their content.
These terms are governed by the law of Scotland. The courts of Scotland have jurisdiction, without removing any mandatory right you have to bring a claim in another part of the United Kingdom. We may update the terms by publishing a new version on this page. The version you are reading was updated on 28 October 2026. Continued use of the site after an update means you accept the new version for later use.
Read the about page, or call +44 7457 991876 on a weekday if a sentence here is unclear. We still will not tell you what to do with your pension.
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