Terms of Use

What is in our website terms and conditions?

The terms for using the Hilltop Financial Planning website (https://www.hilltopfinance.co.uk) are set out in this document.

Who we are and how to contact us

This website is operated by Hilltop Financial Planning which is a trading style of Hilltop Finance Limited, registered in England and Wales with company number 09351168 and is authorised and regulated by the Financial Conduct Authority (the FCA). Our FCA Register number is 787803. We are registered with the Information Commissioners Office under registration number ZA159519

The registered office for Hilltop Finance Limited is

3 Fabrica, 269 Great Ancoats Street, Manchester, M4 7DB.

References in these terms to “we”, “us” or “our” are references to Hilltop Financial Planning & Hilltop Finance Limited which provides the relevant content.

References to “users”, “clients” or “you” are references to you and any other person accessing our website.

These terms and conditions apply to the content contained within the website Hilltopfinance.co.uk, irrespective of the entity providing the material.

To contact us, please call 0161 413 7051.

Acceptance of these terms

By using our website, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms, you must not use our website.

Other conditions that apply to your use of our website

The following additional terms will also apply to your use of our website:

  • our Privacy Policy (https://www.hilltopfinance.co.uk/privacy-policy), which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our website, you consent to such processing, and you warrant that all data provided by you is accurate; and
  • our Cookie Policy (https://www.hilltopfinance.co.uk/cookie-policy), which sets out information about the cookies on our website.

Changes to these terms

We may amend these terms from time to time, and any revised version will apply as soon as it is live on our website. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time.

Changes to our website

We may at our sole discretion update and change our website from time to time, including changing the format and content of the website.

Users of our website

Our website is intended for people over 18 years of age who are resident in the UK only. The website and the information contained therein should not be regarded as advice or guidance. For financial advice, please speak with one of our financial advisers.


Please read these terms and conditions carefully before using this website. By accessing this website and any of its pages, you agree to these terms.

We do not represent that any content available on or through our site is appropriate for use or available in other locations outside of the UK.

You are responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use.

If you know or suspect that anyone is using the website other than in compliance with these terms, you must promptly notify us.

Terms of a free pension review

A free pensions review from Hilltop is subject to the following terms: -.

Hilltop Finance Limited (trading as Hilltop Financial Planning) receives a signed, dated and completed Letter of Authority document for each of your pensions subject to the review.

Complete information is received from your pension providers, following the submission of the Letter of Authorities.

If you request that we stop our review or if we cannot contact you before our review is complete, we will cease our work and close your enquiry without the provision of anything further.

Hilltop can withdraw the Free pension review service at any time.

Use of the materials on our website (intellectual property rights)

All copyright and other intellectual property rights in any material (including text, photographs and other images and sound) contained in our website are either owned by us or has been licensed to us by the rights owner(s) for use by us on our website. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You are not permitted to use any of our logos or content without our prior written approval.

You may print off one copy and may download extracts, of any page(s) from our website for your personal use. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way. You must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. Our status as the authors of content must always be acknowledged.

You are only allowed to use the website and the material contained within the site as set out in these terms and conditions. You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

You may use our site only for lawful purposes. You may not use our website in any way that breaches any applicable local, national or international law or regulation, or in any way that is unlawful or fraudulent or has any illegal or fraudulent purpose or effect. You also agree not to reproduce, duplicate, copy or re-sell any part of our site in contravention of the provisions of our terms of website use.

You are entitled to reasonable use of the website.


Information provided on our website is for general information only. Nothing on our website should be taken as being personalised financial, investment or professional advice, or shall be deemed to constitute the offer or provision of such advice. You should always obtain advice from one of our qualified financial advisers before making any financial decision.

While we endeavour to ensure that all content on the website is correct, we cannot guarantee this. It is your responsibility to check that any such content is accurate, complete and up-to-date. We will not be liable to you (or anyone else) for any loss or damage suffered in connection with the content provided on our website.

Where we provide calculator tools in individual sections of our website, we do not accept any liability for the accuracy of the results produced by these tools. You are responsible for verifying the output of any calculator tools which we make available to you.

Availability of our website

We do not guarantee that our website (or any of the content on it) will always be available or uninterrupted, and we cannot guarantee that access to the website will be available at all times or without delay. You acknowledge that our website may be interrupted and that any services available may be interrupted and variable in certain circumstances.

We may, at our absolute discretion, suspend, withdraw or restrict, the operation of our website and online services where we consider it necessary. For example, a suspension may be required for technical reasons, emergencies, regulatory reasons, where we decide it is sensible for our or our clients’ protection.

Our information technology systems

We do not guarantee that our website will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes and platform to access our website. You should use your own virus protection software.

You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990.

We do not accept any liability for loss or damage suffered by users as a result of accessing website contents using a computer that contains any virus or which has been maliciously corrupted. We encourage the widespread use of antivirus programs so that you can protect your computer from viruses and other malware. Users should refresh their browser each time they visit our website to ensure that they access the most up to date version of the website.

Linking to our website

From time to time, we permit linking to third-party websites from our website. We have no responsibility for the content of third-party websites. We do not control, maintain or endorse these sites in any way.

We do not make any warranty as to the accuracy of the information contained within the links or linked-to sites. Your access and use these third-party websites at your sole risk and discretion. We shall not be liable for any loss or damage suffered by you (or anyone else) as a result of linking to third-party sites.

We permit and welcome linking by other sites to any part of our website, provided it is done in a way that is fair and legal and does not damage our reputation or take advantage of it. We reserve the right to withdraw linking permission at any time without notice. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. The website must not be framed on any other site.

Users may not delete or alter in any way any copyright, trademark, intellectual property or other legal notices from any part of the website.

Any third-party sites, or pages which are linked to our website, have not been reviewed by us. We are not responsible for the authors or the content of other sites or pages linked or linking to our website, and we accept no responsibility or liability for any losses or penalties whatsoever that may be incurred as a result of any linking to any location or any link sites.


Please note you are only permitted to use our website for domestic and private use and must not use the website for any commercial or business purpose.

We draw your attention to Disclaimer section of these terms which states that we will not be liable to you (or anyone else) for any loss or damage suffered in connection with the accuracy of the content provided on our website.

We do not exclude or limit in any way our liability to any user where it would be unlawful to do so. Nothing in these terms shall exclude or limit liability for: a) death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors; b) fraud or fraudulent misrepresentation; or c) any duty which we may have under the Financial Services and Markets Act 2000 or the rules of the Financial Conduct Authority.

We have no liability for:

  • any loss of profit, loss of revenue, loss of business, business interruption, loss of opportunity or any indirect, special or consequential loss;
  • your inability to access or use the website.

Further limitations and exclusions will be set out in the additional terms and conditions of sale applicable to the purchase of our service.

Our website occasionally uses pop-up windows to display certain types of information and notices. Please ensure that you have disabled pop-up blockers from your browser when using our website. We will not be held liable for any loss incurred as a result of your inability to view information resulting from the use of pop up blockers.

Applicable laws and jurisdiction

These terms of use, their subject matter and their formation, are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland you may also bring proceedings in Scotland.

Financial Ombudsman Service

The Financial Ombudsman Service (FOS) is a free, fair and easy-to-use service that settles complaints between consumers and businesses that provide financial services. If you are not happy with the outcome of your complaint, you can make an official complaint with FOS. For further information please visit financial-ombudsman.org.uk

Hi there!

We just need to take a few more details to understand what we can help you with and when is convenient for us to call you back. Gives you a chance to pop the kettle on ☕


What would you like our expert advice on?

Purple piggy bank with a pile of coins behind it


Pile of coins in the middle of a graph


Pension Drawdown Advice


pension transfers



Is there any advice in particular?

Bar chart graph


Pension drawdown


Pension consolidation


Pension Consolidation


Twisting gear

Not Sure


Finally, just pop your details here and we’ll be in touch