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Term and conditions

Website & App Terms & Conditions

WPS Advisory Limited (Trading as WPS Advisory, OneYou and LifeStage)

1. About These Terms

These terms govern your use of our website at http://www.wpsadvisory.com and the WPS LifeStage Money app hosted at https://wpsa-app.com/ and on Apple and Android stores. By using this website and our app, you agree to these terms.

Important: This website and the WPS LifeStage Money app provides general financial information only. We do not provide personal financial advice through this website. All financial advice services require separate consultation and are subject to our Client Agreement Letter.

2. About Us

WPS Advisory Limited (trading as WPS Advisory, OneYou and LifeStage)

  • Registered Office: Suite A, 5th Floor, West One, Newcastle upon Tyne, NE1 3PA
  • Company Registration: 08874015 (England and Wales)
  • Phone: 0800 633 5911
  • Email: support@ukwps.com


We are authorised and regulated by the Financial Conduct Authority under our registered entity WPS Advisory Limited (FCA Reference: 624546). Our trading brands WPS Advisory, OneYou and LifeStage all operate under the same FCA authorisation. Verify at register.fca.org.uk or call 0800 111 6768.

3. What This Website & the WPS LifeStage Money app Provides

Information Only: This website and the WPS LifeStage Money app provides general financial information and educational content. Contributions, articles, commentary, charts, data visualisations and other materials posted within our Service are provided for general information only. Content within the Service is not, and should not be construed as, financial or other professional advice. You should not rely on the content within our Service as the basis for making a financial decision. If in doubt, you should seek professional advice. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any user of our Service, or by anyone who may be informed of any of its contents.

No Personal Advice: We do not provide personal financial advice through this website. Any information is general in nature and should not be treated as advice specific to your circumstances.

For Personal Advice: If you need personal financial advice, please contact us to arrange a consultation where we can assess your individual needs and provide appropriate recommendations.

4.Website & App Usage

Eligibility: You must be at least 18 years old to use this website. Users under 18 may access this website with parental or guardian consent and supervision.

Permitted Use: Use this website for lawful purposes only and in accordance with these terms.

Prohibited Activities:

  • Unauthorised commercial use
  • Attempting to gain unauthorised access
  • Transmitting harmful code or viruses
  • Infringing intellectual property rights

 

Viruses, hacking and other offences:

  • You must not misuse the Service by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the Service, the server/servers on which the Service or any part of it is stored or any server, computer or database connected to the Service. You must not attack the Service via a denial-of-service attack or a distributed denial-of service attack or in any other way.
  • By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Service will cease immediately.
  • We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Service or to your downloading of any material posted on it, or on any website linked to it.

5.Access to Our App

  • We shall use commercially reasonable endeavours to make the Services available 24 hours a day, seven days a week, except for routine and emergency maintenance. However, access to the Service is not guaranteed. From time to time we may withdraw or amend any of the content and services provided without notice. We will not be liable if the Service or any content is unavailable at any time for any reason. From time to time, we may restrict access to some parts of the Service, or the entire Service, including to users who have registered with us.
  • We agree to provide the Service with reasonable skill and care and in accordance with all applicable laws and regulations.
  • You are responsible for making all arrangements necessary for you to have access to the Service (for example ensuring you have an available internet connection).
  • If you become a registered user of the Service and create an account (“User Account”) with us, you will require a valid email address and will be asked to enter a username, password and any other piece of information we deem necessary as part of our security procedures. You must treat such details and information as confidential. You are responsible for everything done using your User Account. In order to create a User Account, you must be at least 18 years of age and resident in the UK.
  • You must provide us with your contact details in the form of your email address, and any other details we collect from you at registration, so that we can administer the Service and your User Account. You must not impersonate or try to impersonate another person when providing us with information. If you think that someone else may have access to, or be using, your password or User Account without your consent, you must tell us as soon as possible by emailing clientspecialistteam@ukwps.com
  • We have the right to disable any username or password, whether chosen by you or allocated by us, at any time. We also have the right to suspend or terminate any User Account at any time.
  • By creating a User Account, you certify that all information you provide in the registration is accurate. You must have a valid email address registered with us at all times. If an email that we send to you should bounce for some reason, your User Account may be temporarily suspended until you contact us with a verifiable address.

6. Paid for Services

  • We offer paid for services which include additional functionality for a subscription fee (“Paid for Services”). If you choose to upgrade to a Paid for Service, you will be charged for use of the Service in accordance with the payment page, your subscription choice and method of payment (“Payment Method”). All subscription fees are payable in advance. Subscription fees will be billed automatically to the Payment Method at the start of the monthly, annual period or other period, as applicable, and, unless stated as being a one-off fee, will auto-renew until your membership is terminated. Some Paid for Services may be paid for on your behalf (for example, your financial adviser or your employer).
  • The renewal subscription fees will be the same as the initial charges unless you are otherwise notified in advance. You authorize WPS Advisory Limited to charge your Payment Method for the appropriate subscription charges and fees and for any other purchases you elect to make via the Service We reserve the right to increase membership fees or to institute new fees at any time upon reasonable notice posted in advance on the Service. Members changing from monthly to annual memberships will have the annual rates take effect at the beginning of the next billing date. If you upgrade your membership or add new categories of service to your account, such changes may result in a new billing date effective upon the date you elect such upgrade or addition. All purchases are final and no refund will be given for unused portions of your initial or any renewal membership period.
  • Whichever subscription option you choose, you may give notice to terminate your subscription at any time but you will not be refunded for any unused element of the relevant Paid for Service. For example, if you opt for a monthly subscription, you may give notice to terminate your subscription at any time but your subscription will terminate at the end of the month in which you give notice and you will not be refunded the charge for that month. If you opt for the annual subscription, you may give notice to terminate at any time but your subscription will terminate at the end of the year and you will not be refunded your annual subscription charge.
  • Your access to Paid for Services is subject to your payment of the relevant subscription fee. In the event that we are unable to debit payment from you, we may suspend your access to the Paid for Service until payment is made.
  • We may agree to provide you with a free trial to Paid for Services. On expiry of the trial, your subscription may automatically commence unless you have informed us that you do not wish to continue your subscription following the trial period.
  • A third party may pay us for your access to the Paid for Services (for an example, your employer or your FA). Your access to the Paid for Services may be suspended or terminated if such third party ceases to pay on your behalf.

7. Payment Services

  • When you use our Payment Initiation Service, we enable you to initiate each payment order by passing you directly to the systems of your payment account service provider (“PSP”) to follow your PSP’s instructions. You agree to provide us or your PSP (as the case may be) with the necessary payment order information, including support documents requested, such as invoice(s) and/or related contract with the person or entity you intend to pay (“Payee”).
  • A payment order is provided to and received by your PSP in accordance with its agreement with you, including any specified cut-off times. Once your payment order has been received, you may not revoke it or otherwise withdraw your consent to the execution of the relevant payment transaction.
  • We and/or your PSP may from time to time notify you of certain limits in the way the Service or any part of it can be used (“Customer Limit”). You shall not use the Service in breach of any Customer Limit without our prior written approval (to be given in our sole and absolute discretion). We may give such written approval via an electronic authorisation that you may not be able to store. Such Customer Limit(s) shall continue to apply unless and to the extent that we otherwise notify you in writing.  We have the right to ask you for additional confirmation from the moment any Customer Limit is breached but shall not be obliged to do so.
  • We will be entitled to assume that a payment order and the payment transaction related to that payment order (“Payment Transaction”) has been authorised by you where a payment order is initiated.
  • We or your PSP may suspend the processing of any payment order where we or your PSP reasonably believe that the payment order or Payment Transaction may be fraudulent or involves any criminal activity, until the satisfactory completion of any investigation.

8. Connected Accounts/ Account Information Services

  • In some areas of the Service, you have the ability to connect to your bank accounts and other accounts you hold with third party institutions (“Third Party Accounts”). This enables us, via Moneyhub, to access and retrieve data from your bank and other accounts to populate areas of the Service with details from those Third Party Accounts.
  • By using the Service to connect to Third Party Accounts, you authorise us, Moneyhub and Data Service Providers (on an ongoing basis unless and until you deactivate the connection) to access the relevant third party source, on your behalf and as your agent, to retrieve information requested by you or otherwise available from the Third Party Account. You agree that the bank or other institution providing the Third Party Account(s) shall be entitled to rely on the foregoing authorisation and that the Service may not be endorsed or sponsored by any Third Party Account providers.
  • WPS Advisory Limited cannot be responsible for the accuracy of data it receives via Moneyhub from the Third Party Accounts or Third Party Members and you must ensure that it is (and continues to be) accurate. If at any time you choose not to link to a Third Party Account or Third Party Members you will stop receiving information from that Third Party Account or Third Party Member (for example up-to-date valuations) which may affect elements of the Service (for example, financial projections). WPS Advisory Limited cannot be responsible for any inaccuracies caused by you no longer having access to data or by data not being up-to-date.

9. Information Accuracy and Disclaimers

General Information: While we strive for accuracy, all information is provided “as is” without warranties.

No Guarantee: We make no guarantees about completeness, reliability, or suitability for your specific circumstances.

Verify Information: Always verify financial product information through official sources and seek personal advice before making financial decisions.

Investment Warning: All investments carry risk and you may get back less than you originally invested. Past performance does not guarantee future results.

10. Intellectual Property

You may view and print pages for personal use only.

11. Privacy

Your privacy is important to us. Our Privacy Policy explains how we handle your personal information in accordance with UK data protection law.

12. Limitation of Liability

Consumer Protection: Nothing excludes our liability for death/personal injury from negligence, fraud, or other non-excludable liabilities.

General Limitation: For website and WPS LifeStage Money app use, our liability is limited to what is reasonable and proportionate.

13. Third Party Links

We are not responsible for third-party websites linked from our site. Links do not imply endorsement. Third-party websites are subject to their own terms and conditions and privacy policies, which you should review before using their services.

14. Complaints

If you have concerns about our website:

  • Email: complaints@wpsadvisory.com
  • Write: The Compliance Officer, WPS Advisory Limited, Suite A, 5th Floor, West One, Newcastle upon Tyne, NE1 3PA

15. Changes to Terms

We may update these terms. Changes will be posted on this website with the revision date.

16. General

Governing Law: These terms are governed by English law.

Contact: For questions about these terms, contact us at support@ukwps.com

Website T&C V2  29072025