Legal Notices

Before proceeding please take time to read this statement. If you use any pages of the RCL Consultancy Employee Benefits website, you are accepting the terms set out in this Notice. If you do not accept the terms of this Notice then please leave the site.

Any reference to “we”, “our” or “us” in this statement means RCL Consultancy.

Corporate information

RCL Consultancy is a trading name of Rowanmoor Consultancy Limited (No. 3445656), an independent financial adviser company, registered in England at Rowanmoor House, 46-50 Castle Street, Salisbury SP1 3TS, authorised and regulated by the Financial Conduct Authority (Financial Services Register number 185600). Part of the Embark Group.

RCL Consultancy belongs to the Financial Services Compensation Scheme (FSCS). Details of the FSCS can be found on the FSCS website at

The FCA’s Financial Services Register can be accessed at

Jurisdiction for use

Our websites are intended for use only by those who can access it from within the UK. Products and services advertised on these pages are only available to UK companies and to individuals who have the right to contribute to a UK registered pension scheme.

Governing law

Our sites are governed by the laws of the country of the UK within which you reside and any dispute or action arising out of this site shall be determined in accordance with such laws.

Intellectual property rights

‘Intellectual Property Rights’ means any patents, copyright, database rights, design rights, registered designs, trade marks or service marks, trade names or know how (whether registered or not) and all rights or forms of protection of a similar nature existing anywhere in the world.

All Intellectual Property Rights on our sites are owned by or licensed to RCL Consultancy, or the Embark Group, and may not be reproduced or copied except as set out below.

Copyright and trademark

The contents of our sites are © RCL Consultancy 2017. The reproduction of any material present on this site is prohibited, except for that which is specifically provided for download purposes.

The material on our websites may not be posted to bulletin boards, newsgroups or related sites.

RCL Consultancy and its logos are registered trademarks and protected by Copyright. Please contact our Marketing Department for any references to RCL Consultancy, or usage of RCL Consultancy’s logos.

Privacy and data protection statement

Please read our separate Privacy and Data Protection Policy.


If you believe any information on our sites is inaccurate or have any suggestions on how the content of the sites could be improved please contact us at, or alternatively by calling 03445 440 770.

If you have questions on a particular product or service please use the contact us details shown for that product or service.

Hypertext links

Certain hypertext links in our websites may lead you to websites which are not under the control of RCL Consultancy, or the Embark Group. When you activate these, you may leave the RCL Consultancy website. These links are provided solely for your convenience and do not represent any endorsement or recommendation by RCL Consultancy.

RCL Consultancy accepts no responsibility or liability for the contents of any website to which a hypertext link exists and gives no representation or warranty as to the information on such websites. RCL Consultancy accepts no responsibility or liability for any loss arising from any contract entered into with any website to which a hypertext link exists.

Please note that when you click on an external site hypertext link you will leave the RCL Consultancy site and access the external site at your own risk.

RCL Consultancy is not responsible for the privacy practices adopted by external sites.

No links may be created to our sites without the express prior written consent of RCL Consultancy.


We will update the content of this notice from time to time. Please ensure that you visit this page regularly to ensure that you have seen and are aware of the current terms.

Client responsibility

It is your responsibility to ensure that your computer is virus protected. RCL Consultancy accepts no responsibility for any loss you may suffer as a result of accessing or downloading information from our sites.


RCL Consultancy excludes all liability whatsoever for any loss or damage howsoever arising to the full extent lawfully permitted, as a result of the use of our websites or reliance on any of their contents; loss includes all losses, claims, liabilities, costs expenses (including legal fees) and damages of any sort whatsoever and whether or not reasonably foreseeable or avoidable. We also exclude all liability for any loss or damage resulting from any attack on our systems by a third party, or for any computer virus, or other malicious or technologically harmful material that may cause your computer equipment, computer programs, data or other proprietary material to be infected due to your use of our sites.

General disclaimers

Our websites are not, and should not be construed as, an offer to sell or invitation to buy, or the solicitation of any offer to buy any investments, securities or other products or services. The information and opinions provided on the sites are for guidance only and are not intended to provide investment, tax, legal or accounting advice to you. The information and opinions should not be relied on as authoritative or definitive and whilst they have been compiled in good faith, there is no representation or warranty, express or implied, as to their accuracy or completeness. They should not be used as the basis of any decision nor as a recommendation of the products and services referred to on this website, nor their suitability. Use of our websites cannot be a substitute for taking your own advice about your particular circumstances.

RCL Consultancy reserves the right to change the content of the sites without prior notice.

RCL Consultancy does not guarantee the availability of its site. The sites may be temporarily unavailable, or restricted in terms of content and access. RCL Consultancy will not be liable for any loss or damage arising from or in connection with the loss of availability of all or part of the site. RCL Consultancy accepts no liability for any loss that may arise if the products or services advertised within our websites become unavailable.