Terms & Conditions


The information published on the Panoramic Wealth Management website should be used for information purposes only and is subject to change without notice. None of the information contained in this website constitutes financial or other professional advice in any way. If you require additional information or personal financial or investment advice, you should contact appropriate Panoramic Wealth Management personnel.

While Panoramic Wealth Management uses reasonable efforts to ensure that the information contained on its website is current and accurate at the date of publication, no warranties are made, either expressed or implied, as to reliability, accuracy or completeness of the information. Panoramic Wealth Management accepts no liability for any loss arising directly

or indirectly from the use of or action taken in reliance on such information. Website content should not be copied, reproduced or redistributed, in whole or in part.

No warranty is given as to the freedom of this website from errors, defects, viruses, malicious programs or macros. Links from this website exist for information only and Panoramic Wealth Management accepts no responsibility or liability for the information contained on any such site. The existence of a link to another website does not imply or express endorsement of its provider, product or services by Panoramic Wealth Management. Please note that clicking on links to external websites will cause you to leave the Panoramic Wealth Management website.

Privacy Policy

This privacy policy sets out how Panoramic Wealth Management uses and protects any information that you, as an individual or part of a company, provide when you use this website.

Panoramic Wealth Management is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement.

Panoramic Wealth Management may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from the 9th July 2008.

The information that we collect

We may collect the following information;

  • Name
  • E-mail address
  • Telephone number

Additional to the above we may collect anonymous user statistics.

What we do with the information we collect

  • We require this information to understand your needs and provide you with the information you request.
  • We may use the information to improve our products and services.
  • We may periodically send promotional e-mails about new products, special offers or other information which we think you may find interesting using the e-mail address which you have provided.
  • From time to time, we may also use your information to contact you for market research purposes. We may contact you by e-mail, phone, or mail.
  • We may use the information to customize the website according to your interests.


We are committed to ensuring that your information is secure. In order to prevent unauthorized access or disclosure we have put in place suitable physical, electronic, and managerial procedures to safeguard and secure the information we collect online.

How we use cookies

A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyse data about webpage traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Links to other websites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Controlling your personal information

Data collected by us on this site will be primarily that which is specifically required in order to facilitate any service you have requested. Whenever you are asked to fill in a form it is your responsibility to decide whether the form is suitable for you and there is no obligation to submit such form.

If you have previously completed an online form or passed your personal information to us, you may change your mind at any time by writing to us or emailing enquiries@panoramicwealthmanagement.com

We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law. We may use your personal information to send you promotional information about third parties which we think you may find interesting unless you inform us, via e-mail or in writing, that you do not wish this to happen.

You may request details of personal information which we hold about you under the Data Protection Act 1998. A small fee will be payable. If you would like a copy of the information held on you please write to: Panoramic Wealth Management, 2nd Floor Richmond Terrace, 49 London Road, Tunbridge Wells, Kent TN1 1DT.

If you believe that any information we are holding on you is incorrect or incomplete, please write to or e-mail us as soon as possible at the above address. We will promptly correct any information found to be incorrect.