EvolveMyRetirement® is an online financial planning tool that is accessible via the website evolvemyretirement.com (the "Website"). It allows you to enter your income, expenses, assets, and liabilities, to modify certain underlying financial assumptions, and to specify various attitudes that can affect lifetime choices. Based on your inputs and using its built-in rules, the Website can generate candidate financial strategies for modelling purposes. By registering at the Website, you can create a personal account ("Account").
EvolveMyRetirement® is a registered trademark of Okinawa Zest Limited, a company registered in England and Wales, company number 9182665, whose registered office is at Argyle House, Northside Suite 1B1, Joel Street, Northwood, HA6 1NW (the "Company").
By using the Website, you accept in full all the terms and conditions (the "Terms") of this Agreement. The Company reserves the right to vary the Terms at any time at its sole discretion, by publishing amended Terms on the Website. Should the Company vary the Terms, all users having an Account will be notified by email sent to their registered email addresses. Your subsequent use of the Website will indicate your acceptance of the amended Terms, whether or not you have an Account, and whether or not you have received an email.
Any personal information you enter into the Website will be treated as strictly private and confidential in accordance with our Privacy Policy.
You warrant that you are legally entitled to enter into this legally binding agreement, and that you are at least 18 years old. You agree not to create an Account using an email address belonging to someone other than yourself, and that any Account you create must be used only by you. You agree to take full responsibility for the security of your login details, which consist of your email address and password. You agree to immediately notify the Company, using the contact facility on the Website, should you become aware of any unauthorised use of your Account. You agree not to use the Website in any way that causes, or may cause, damage to the Website or impairment of the availability or accessibility of the Website, or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent, or harmful purpose or activity.
You make no warranty as to the accuracy of any information that you enter into the Website ("your Information"). You agree that the Website may make technical, structural, or compatibility-related adjustments to your Information where required to ensure continued operation following updates to the Website. Where a previously valid value becomes incompatible with an updated version of the Website, the Company may adjust that value to the closest equivalent supported by the updated system. Such adjustments will not intentionally alter the financial meaning of your Information beyond what is necessary for compatibility. Where material adjustments are made, users will be informed. The Company shall not be liable for any loss or damage arising solely from technical or compatibility-related adjustments made to your Information, provided the Company has taken reasonable care in implementing such adjustments.
The names "EvolveMyRetirement", "Okinawa Zest" and "OkinawaZest", and all logos or icons on the Website, are trademarks of the Company. Copyright and intellectual property to all publicly viewable contents of the Website rest with the Company, and may not be used without the prior written approval of the Company. Copyright and intellectual property of your Information remains with you. You grant the Company a non-exclusive right to use and copy your Information to the extent required for the technical and functional operation of the Website.
From time to time, you may make online payments to the Company to be able to use particular features of the Website ("Payments"). Payments do not constitute payment for advice. Payments are inclusive of VAT. The Company's VAT number is 196 3623 78. The Company will grant you immediate access to features for which you have made Payments. Payments are non-refundable except where required by law. This does not affect your statutory rights. The Company reserves the right to alter its prices at any time.
Should you be in breach of this Agreement, the Company may delete your Account without prior notice or liability. Should you wish to delete your own Account you can do this from the Settings page when logged in. Once your account has been deleted, any plans that you have created will be permanently deleted and you will no longer be able to log into the system. Following deletion of your Account, the Company may retain only the information necessary to comply with legal obligations, maintain audit records, resolve disputes, or enforce this Agreement. Such information will be retained only for as long as required for these purposes and will then be securely deleted. You agree that once your Account has been deleted in accordance with this clause, the Company shall have no liability to you with respect to such deletion, except where required by law. This includes any unused features for which you may have paid. This Agreement shall continue to be in force for as long as you continue to use the Website, whether or not you have an Account.
The Company provides the Website without any representations or warranties, express or implied. Without prejudice to the generality of the foregoing, the Company does not warrant that the Website will be available at any time, or that the information on the Website is complete, true, accurate, or non-misleading. Nothing on this Website constitutes, or is meant to constitute, advice of any kind. The Website does not assess suitability or provide personalised recommendations; all outputs are for modelling and informational purposes only. If you require advice in relation to any financial matter you should consult a professional financial adviser.
Your use of the Website is at your own risk. The Company is not authorised by the UK Financial Conduct Authority or any other financial regulatory body, and does not provide advice of any kind. The Company shall not be liable for any loss or damage arising from your reliance on the outputs of the Website or from decisions you make as a result of using it. The Company shall not be liable for any temporary unavailability of the Website or your Account, including unavailability caused by maintenance, system failure, or circumstances beyond the Company’s reasonable control. Nothing in this Agreement excludes or limits liability for fraud, fraudulent misrepresentation, or for death or personal injury caused by negligence. The Company reserves the right to modify the features, availability, operation and/or look and feel of the Website at any time.
You agree to indemnify the Company against any loss, liability, or reasonable costs arising directly from your breach of this Agreement or from your unlawful use of the Website. This indemnity does not apply to the extent that any such loss arises from the Company’s own negligence or failure to provide the Website with reasonable care and skill.
You may link to the Website's homepage, provided you do so in a way that is lawful and does not damage the reputation of either the Company or the Website. You agree not to create any link that suggests any form of association, approval, or endorsement on the part of the Company where none exists. The Website may contain links to third-party websites. The Company has no control over, and accepts no responsibility for, the content, availability, accuracy, or security of those websites. Your use of any third-party website is subject to the terms and privacy policies of that website, and the Company shall not be liable for any loss or damage arising from your use of them.
The Company may transfer, sub-contract, or otherwise deal with the Company's rights and/or obligations under this Agreement without notifying you or obtaining your consent. This Agreement constitutes the entire agreement between you and the Company regarding your use of the Website, superseding any prior agreements between you and the Company relating to the Website. The failure of the Company to exercise or enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision in that or any other instance. If any provision of this Agreement is held invalid, the remainder of this Agreement shall continue in full force and effect. If any provision of this Agreement shall be deemed unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this Agreement and shall not affect the validity and enforceability of any remaining provisions.
This Agreement is governed by English law. The Website is controlled and operated in the United Kingdom. You agree to submit to the exclusive jurisdiction of the courts of England and Wales in relation to all matters connected with or arising out of the Website. If you access the Website from outside the United Kingdom you are responsible for compliance with any local laws, to the extent that any local laws are applicable.
