Last updated: September 2026

Please read these Terms & Conditions carefully before using this website.

This website is operated by Fortic Financial Services Limited, trading as PS Wealth Ltd.

Fortic Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FCA) under Firm Reference Number 474740 and is registered in England and Wales under company number 6300493.

By accessing or using this website, you agree to be bound by these Terms & Conditions. If you do not agree with them, please do not use this website.

1. About this website

This website is provided for general information about PS Wealth Ltd, our business and the services we offer.

The information contained on this website is intended for general information purposes only and does not constitute financial, investment, tax, legal or other professional advice.

Nothing on this website should be regarded as a personal recommendation, invitation or inducement to invest, or an offer to buy or sell any investment, financial product or service.

Any advice provided by PS Wealth Ltd will be subject to the appropriate client relationship, regulatory requirements and documentation.

2. Regulatory status

PS Wealth Ltd is a trading style of Fortic Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority.

FCA Firm Reference Number: 474740
Company Number: 6300493

You can check the firm's regulatory status and obtain further information through the Financial Conduct Authority's online register.

3. Use of this website

You may use this website for lawful purposes only.

You must not:

• Use the website in any way that breaches applicable laws or regulations.

• Attempt to gain unauthorised access to the website, its server or any systems connected to it.

• Introduce malicious software, viruses or other harmful material.

• Attempt to interfere with the proper operation or security of the website.

• Copy, reproduce, distribute or commercially exploit material from the website without our prior written permission.

• Use information obtained from the website for fraudulent, unlawful or misleading purposes.

We reserve the right to restrict or suspend access to the website where we reasonably believe these Terms & Conditions have been breached.

4. Information on this website

We take reasonable care to ensure that the information published on this website is accurate and up to date at the time of publication.

However, information may change and we do not guarantee that all information will remain accurate, complete or current at all times.

We reserve the right to amend, update or remove content from the website without notice.

You should not rely solely on information contained on this website when making financial or investment decisions.

5. Financial information and investment risk

The value of investments and any income derived from them can fall as well as rise, and you may get back less than you originally invested.

Past performance is not a reliable indicator of future results.

Any examples, illustrations, investment commentary or financial information appearing on this website are provided for general information only and should not be interpreted as a personal recommendation or a guarantee of future performance.

Your individual circumstances, objectives and attitude to risk should always be considered before making financial decisions.

6. No financial advice

Nothing on this website constitutes personal financial advice.

Information provided through the website, including articles, guides, commentary, market information and other content, is not intended to take account of your individual circumstances.

If you require financial advice, you should contact PS Wealth Ltd to discuss your circumstances and requirements.

Where we provide regulated financial advice, this will be provided in accordance with our regulatory obligations and the terms agreed with you.

7. Website availability

We aim to keep this website available and operating correctly, but we do not guarantee that the website will always be available, uninterrupted or free from errors.

We may suspend, withdraw or modify the website or any part of it without notice where necessary, including for maintenance, security, technical or operational reasons.

8. Third-party websites and services

This website may contain links to websites or resources operated by third parties.

These links are provided for convenience and information only. We do not necessarily endorse or approve the content, products or services available through third-party websites.

We are not responsible for the availability, accuracy, security or privacy practices of third-party websites.

You should review the terms and privacy policies of any third-party website that you visit.

9. Intellectual property

Unless otherwise stated, all content on this website, including text, photographs, graphics, logos, illustrations, design elements and other materials, is owned by or licensed to Fortic Financial Services Limited or PS Wealth Ltd.

This material is protected by applicable intellectual property and copyright laws.

You may view and access the website for your personal, non-commercial use. You must not reproduce, modify, distribute, publish, transmit or commercially exploit any website content without our prior written permission.

10. Limitation of liability

To the extent permitted by law, Fortic Financial Services Limited will not be responsible for any loss or damage arising from your use of, or reliance upon, information contained on this website.

This includes, without limitation, any direct, indirect or consequential loss, loss of profits, loss of business, loss of opportunity or loss of data.

Nothing in these Terms & Conditions excludes or limits liability where doing so would be unlawful, including liability for fraud or fraudulent misrepresentation, or any other liability that cannot legally be excluded or limited.

11. Links to this website

You may not create a link to this website from another website without our prior written permission where such permission is required.

We reserve the right to withdraw permission to link to our website at any time.

12. Privacy

Your use of this website may involve the collection and processing of personal information.

Details of how we collect, use, store and protect personal information are set out in our Privacy Policy.

Where applicable, our use of cookies and similar technologies is explained in our Cookie Policy.

13. Website communications

If you contact us through this website, including by completing an enquiry or contact form, submitting your details does not in itself create a client relationship or establish an adviser-client relationship.

Any financial advice or regulated service will only be provided following the appropriate assessment, documentation and establishment of the relevant client relationship.

You should not send confidential or sensitive financial information through an unsecured website enquiry form unless specifically requested by us through an appropriate secure channel.

14. Changes to these Terms

We may update these Terms & Conditions from time to time to reflect changes to our website, business, services or applicable legal and regulatory requirements.

The latest version will be published on this website and will take effect from the date stated at the beginning of the document.

You should review these Terms & Conditions periodically.

15. Governing law

These Terms & Conditions, and your use of this website, are governed by the laws of England and Wales.

Any disputes arising in connection with these Terms & Conditions or your use of the website shall be subject to the jurisdiction of the courts of England and Wales, unless applicable law requires otherwise.

16. Contact details

If you have any questions about these Terms & Conditions or the information contained on this website, please contact us.

Fortic Financial Services Limited
Trading as PS Wealth Ltd

Company number: 6300493
FCA Firm Reference Number: 474740

Email: paul@ps-wealth.com
Telephone: 07535 619183
Address: PS Wealth Ltd, Roscownans, Old Kea, Truro, Cornwall, TR3 6AX

Important regulatory information

PS Wealth Ltd is a trading style of Fortic Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority. FCA Firm Reference Number 474740. Fortic Financial Services Limited is registered in England and Wales under company number 6300493.