🔔Important: BankingTimes.co.uk provides general financial information only across topics such as equity release, SIPPs, and other financial products. We are not authorised or regulated by the FCA and do not provide personal financial advice. We act as an introducer to FCA-regulated firms and may receive a commission if you proceed through our introductions.
Terms & Conditions
These terms & conditions explain how BankingTimes operates, what you can expect from us, and your rights as a visitor. Please take a moment to read them so you can use our site with confidence.
We aim to write these terms in plain English so they are easy to understand, without unnecessary legal jargon. If you ever find something unclear, please contact us and we will be happy to explain.
This page is regularly reviewed for accuracy.
Last Reviewed: 16 Jul 2025
Quick Navigation
Use these links to go straight to the section you’re interested in. Whether you want to understand our responsibilities, your rights, or how we protect your data, this menu makes it easy to find the right information.
Modern Slavery Act Transparency Statement
Accessibility Policy
Scope & Application
These terms & conditions explain the rules for using our website and apply to all visitors, users, and others who access or use our services.
By using this site, you agree to:
Follow all terms set out on this page as required by our policies.
Comply with our Privacy Policy and any other linked legal documents.
Stop using the site if you do not agree with any part of these terms.
Who We Are
BankingTimes is operated by BankingTimes Ltd (Company No. 14009590), registered in England at 75 Shelton Street, Covent Garden, London, WC2H 9JQ. ICO No: ZB398300.
We are an independent publisher and introducer, not authorised to provide financial advice. Enquiries are referred to FCA-authorised partners.
🔔Risk Reminder: All financial products carry risks. For example, equity release may reduce your estate’s value and affect benefit eligibility, while investments and pensions can fall as well as rise. Always seek independent advice before making any decision.
User Responsibilities
When using the BankingTimes website, you agree to act lawfully and respectfully. This helps us maintain a safe, trustworthy environment for all visitors.
Only use the site for lawful purposes and in a way that does not harm or disrupt our services.
Do not attempt to gain unauthorised access to our systems, accounts, or any data belonging to us or other users.
Ensure that any personal or contact information you provide is complete, accurate, and kept up to date.
Avoid sharing, posting, or transmitting any content that is offensive, misleading, defamatory, or infringes on the rights of others.
🔔Important: BankingTimes.co.uk does not provide regulated financial advice. Our content is general information only. Always seek guidance from an FCA-authorised adviser before making decisions.
Disclaimers & Limitations of Liability
While we work to ensure that the information on the BankingTimes website is reliable and up to date, we cannot guarantee that it will always be free from errors or omissions.
General Information
All content is provided for general guidance and should not be considered personal financial advice.
No Liability for Loss
We’re not responsible for loss or damage caused by reliance on this site’s material.
Introductions & Fees
If you request contact, we may introduce you to FCA-authorised advisers and may receive commission.
Service Availability
We cannot guarantee uninterrupted access to the website or that it will be free from technical faults.
Compliance & Governance
We regularly review our compliance procedures, editorial standards, and introducer relationships to ensure that our information remains accurate, transparent, and fair in line with FCA Consumer Duty principles.
Data Protection & Privacy
We are committed to safeguarding your personal information and complying with all applicable UK data protection laws, including the UK GDPR.
Compliance with Law: We handle your data in line with the UK GDPR and the Data Protection Act 2018, maintaining strict regulatory standards.
Use of Information: Personal details you provide are only used for the purposes stated when collected, such as responding to enquiries or processing requests.
Data Security Measures: We use appropriate technical and organisational measures to keep your data safe from loss, misuse, or unauthorised access.
We never sell your data. It’s only shared with FCA-authorised advisers when you ask to be contacted, and only to provide advice or plan illustrations.
Complaints Procedure
We aim to provide clear, fair, and transparent services. If you are unhappy with any aspect of our website or services, you have the right to make a complaint.
How to Complain – Contact us using the details provided on our Complaints Policy page.
What to Include – Provide your full name, contact details, and a clear description of your concern.
Our Response – We will confirm receipt of your complaint and aim to investigate and respond within the timescales set out in our Complaints Policy.
Further Action – If you are not satisfied with our response, you are able to refer your complaint to an independent resolution body as outlined in our Complaints Policy.
Escalating Your Complaint – If we are unable to resolve your complaint directly, you may have the right to escalate the matter to the Financial Ombudsman Service.
Governing Law & Jurisdiction
These Terms & Conditions, and any disputes arising from them, are governed by the laws of England and Wales.
Applicable Law
English and Welsh law applies to the interpretation and enforcement of these Terms & Conditions.
Jurisdiction
Any disputes will be handled exclusively by the courts of England and Wales, and both parties agree to their authority.
Consumer Rights
Nothing in these Terms & Conditions affects your statutory rights as a consumer under UK law.
Updates to These Terms
We may update these Terms & Conditions from time to time to reflect changes in our services, legal requirements, or business practices.
Notification of Changes: When updates are made, we will post the revised Terms & Conditions on this page.
Effective Date: The updated terms will take effect immediately unless otherwise clearly stated.
Your Responsibility: It is your responsibility to review these Terms periodically to stay informed of any changes.
Last Updated: The date at the bottom of this page shows when these Terms were last reviewed and revised.
Our Commitment to You
We are committed to providing clear, accurate, and impartial information to help you make informed financial decisions. Your trust is our priority.
We regularly review our pages for accuracy and regulatory compliance.
We only partner with FCA-authorised firms when introductions are made.
We ensure all content supports informed, fair outcomes in line with FCA Consumer Duty expectations.
Contact Information
If you have any questions about these Terms & Conditions or our policies, you can contact us using the details below.
Contact Us