Last updated: May 11, 2026
These Terms of Use constitute a legally binding agreement between you and Lucid Cognition Ltd ("Company", "we", "us", or "our") concerning your access to and use of the lucid-cognition.com website and our pension advisory services.
By accessing or using our website, you agree to be bound by these Terms. If you do not agree with these Terms, you must not access or use our website or services.
Lucid Cognition Ltd provides pension advisory and retirement planning services to individuals in the United Kingdom. We are authorized and regulated by the Financial Conduct Authority (FCA).
Information on this website is for general informational purposes only and does not constitute financial advice. Formal pension advice is provided only through our regulated advisory services following a consultation and client agreement.
Our services are intended for individuals aged 18 and over who are residents of the United Kingdom or have UK pension arrangements. By using our services, you represent that you meet these eligibility requirements.
You may use our website for lawful purposes only, including:
You must not:
All content on this website, including text, graphics, logos, images, and software, is the property of Lucid Cognition Ltd or its licensors and is protected by UK and international copyright laws.
You may view and print pages from the website for personal, non-commercial use only. You may not reproduce, distribute, modify, or create derivative works without our express written permission.
The Lucid Cognition name and logo are trademarks of Lucid Cognition Ltd. Unauthorized use of our trademarks is prohibited.
Formal pension advisory services are provided under a separate client agreement that sets out:
These Terms of Use apply to website usage; the client agreement governs the advisory relationship.
Information on this website is for general guidance only and does not constitute personalized financial advice. We do not provide advice through the website without a formal consultation and engagement.
Pension decisions should be made based on your individual circumstances with appropriate professional advice. Do not act on information from this website without seeking regulated advice.
Our pension advisory services are regulated by the Financial Conduct Authority. We adhere to FCA conduct rules and regulatory requirements governing pension advice.
Service fees are clearly stated on our website and confirmed in writing before engagement. All fees are exclusive of VAT unless stated otherwise.
Payment terms are set out in the client agreement. We reserve the right to suspend services if fees remain unpaid beyond agreed terms.
This website and its content are provided "as is" without warranties of any kind, either express or implied.
We do not warrant that:
While we strive for accuracy, pension regulations and tax laws change frequently. We are not liable for reliance on outdated information on the website.
To the fullest extent permitted by law, Lucid Cognition Ltd shall not be liable for:
This limitation does not apply to:
Our liability for regulated pension advice is governed by the client agreement and FCA requirements, not these website Terms.
Our website may contain links to third-party websites for your convenience. We do not endorse or control these external sites and are not responsible for their content, privacy practices, or terms.
You access third-party websites at your own risk. We recommend reviewing their terms and privacy policies.
Our collection and use of personal information is governed by our Privacy Policy, which forms part of these Terms.
By using our website, you consent to data processing as described in the Privacy Policy and our GDPR Compliance Statement.
If you are dissatisfied with our services, we have a formal complaints procedure:
If you remain dissatisfied, you may refer your complaint to the Financial Ombudsman Service:
Financial Ombudsman Service
Exchange Tower, London E14 9SR
Telephone: 0800 023 4567
Website: lucid-cognition.com.uk
You agree to indemnify and hold harmless Lucid Cognition Ltd, its directors, employees, and agents from any claims, damages, or expenses arising from:
We reserve the right to suspend or terminate your access to the website at any time without notice if you breach these Terms or engage in conduct we deem inappropriate.
Upon termination, your right to use the website ceases immediately. Provisions concerning intellectual property, liability, and indemnification survive termination.
We may update these Terms from time to time to reflect changes in our practices, services, or legal requirements. Updated Terms will be posted on this page with a revised "Last updated" date.
Continued use of the website after changes constitutes acceptance of the updated Terms. We recommend reviewing this page periodically.
These Terms are governed by and construed in accordance with the laws of England and Wales.
Any disputes arising from these Terms or website use shall be subject to the exclusive jurisdiction of the courts of England and Wales.
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
These Terms, together with our Privacy Policy and any client agreement for advisory services, constitute the entire agreement between you and Lucid Cognition Ltd regarding website use.
For questions about these Terms of Use, please contact us:
Lucid Cognition Ltd
42 Finsbury Square
London EC2A 1AD
United Kingdom
Email: [email protected]