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Terms & Conditions


These Terms and Conditions govern your use of Please read these Terms and Conditions carefully before using the Website operated by Encompass Financial management Ltd, of registered address 113 Winchester Road, Chandlers Ford, Hampshire, SO53 2GH. Registration number: 5125246

Without prejudice to the above, by using or accessing the Website, you agree to be legally bound by these Terms and Conditions of use as they apply to your use of or access to the Website.

If you do not wish to be bound by these Terms and Conditions then you may not use the Website.

Encompass Financial Management Ltd., is authorised and regulated by the Financial Conduct Authority.

The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.


The information published on the Website is provided for the convenience of its visitors and you are advised that, although care has been taken to ensure technical and factual accuracy, some errors may occur. No guarantee is given of the accuracy or completeness of information on these pages.

Please be aware that Encompass may alter the information on the Website from time to time, including these Terms and Conditions and privacy policy. It is your responsibility to check these Terms and Conditions and to remain in compliance with them from time to time.

Limitation of Liability

Encompass shall have no liability arising from the use by any party of or reliance on the information on the Website and so far as permitted by law excludes all liability for damages howsoever caused including without limitation any damage which is or represents loss of goodwill revenue or profit or failure to achieve any benefit expected from use of the Website, loss of use of any asset, loss of data recorded on any computer or other machine, liability of any user of the Website to any third party, any loss which is otherwise indirect, commercial, economic, special or consequential arising out of or in connection with the use by any party of any information provided on these pages.

Operation of the Website

Although reasonable endeavours are used to maintain the Website, Encompass will not be liable for any losses caused by failure or stoppage of the Website for any reason, including without limitation virus contamination, or deliberate damage by hackers, failure of hardware, software or systems, power failure, failure of telecommunications lines or any criminal action. Law and Jurisdiction Your use of the Website is governed by the laws of England. You hereby consent to the exclusive jurisdiction of the English courts in all disputes arising out of or relating to the use of the Website.

Copyright and Reproduction

The contents of these pages are the property of Encompass. Reproduction of this Website and any document on it is not permitted.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at This link will take you to a site that is not owned or controlled by us. We did not generate it and are not responsible for its content.