Legal Notices, Privacy
& Cookies

Terms governing use of the site

Please read these terms carefully. By accessing or registering on this site (the “Site”), you agree to be bound by these terms (the “Terms”). If you do not agree, you should not use the Site. If anything is unclear, please contact us at contact@panaceaadviser.com.

1. Definitions

In these Terms:

• “Panacea”, “we”, “us”, “our” means Grantmell Limited (company number 05688007), trading as Panacea Adviser.
• “You” means any user of the Site.
• “IFA” means an independent financial adviser, broker or other professional adviser.
• “Information” means all content, data and materials available on the Site.
• “Information Services” means the services provided via the Site.
• “Partners” means financial services providers and other organisations whose content appears on the Site.
• “Data Providers” means third parties supplying data or content.
• “Site” means www.panaceaadviser.com and any related platforms we operate.

2. Use of the Site

By using the Site, you agree to comply with these Terms. We may update these Terms from time to time and continued use of the Site constitutes acceptance of any changes.

Panacea operates as an information and engagement platform connecting financial professionals with content provided by third-party Partners. We do not provide financial products, execute transactions or act as an adviser.

3. Intellectual Property

All intellectual property rights in the Site and the Information are owned by or licensed to us or our Data Providers.

You may use the Information for your own professional, non-commercial use only. You must not copy, reproduce, distribute, or make the Information available to third parties without our prior written consent.

4. Your Information and Data Use

We process personal data in accordance with our Privacy Policy.

Panacea connects financial professionals with relevant Partner content. Where you engage with Partner content, for example by clicking or requesting further information, your details may be shared with the relevant Partner so they can respond to your interest.

You may update or request deletion of your personal data at any time.

5. Site Availability

We may change, suspend or withdraw any part of the Site at any time.

We do not guarantee that the Site will be available uninterrupted or error-free. Access may be suspended temporarily without notice due to system failure, maintenance, repair or circumstances beyond our control.

We are not responsible for any delay, interruption or failure in performance of the Site or the Information Services arising from factors outside our reasonable control, including internet transmission issues.

6. No Advice

Nothing on the Site constitutes investment, financial, legal or other professional advice.

Content is provided for information purposes only and is intended for use by financial professionals. Panacea does not assess suitability or provide recommendations.

You should not rely on Information when making client or investment decisions without exercising your own professional judgement.

7. Risk Warning

The value of investments may fall as well as rise and past performance is not a reliable indicator of future results.

Information may be incomplete or subject to change. We and our Data Providers do not guarantee its accuracy or completeness.

Any engagement with third parties via the Site is at your own risk.

8. Accuracy and Liability

The Site and all Information are provided on an “as is” basis.

To the fullest extent permitted by law:

• We make no warranties or representations (express or implied) regarding the accuracy, completeness, timeliness or suitability of the Information or Services.
• We do not warrant that the Site will be free from errors, viruses or other harmful components.
• We are not liable for any loss arising from use of, or reliance on, the Site or its content.
• We are not liable for indirect or consequential losses, including loss of profits, business interruption or loss of data.

Nothing in these Terms excludes or limits liability where it cannot be excluded under applicable law, including under FCA rules.

9. Third-Party Content and Links

The Site may include content from Partners and links to external websites.

We do not control or endorse third-party content and accept no responsibility for it. Accessing external sites is at your own risk.

10. User Content

If you submit or post content on the Site, you agree that it is lawful, accurate and not misleading, does not infringe third-party rights and does not contain harmful or malicious material.

We may remove content at our discretion and cooperate with regulatory or legal authorities where required.

By submitting content, you grant us a non-exclusive, worldwide licence to use, publish and distribute it.

11. Indemnity

You agree to indemnify us against any losses, claims or costs arising from your breach of these Terms or misuse of the Site.

12. Professional Use Only

The Site is intended solely for use by financial professionals and not for retail or private investors.

13. Assignment

We may assign or transfer our rights and obligations under these Terms. You may not do so without our consent.

14. General

• These Terms are governed by English law.
• The English courts have exclusive jurisdiction.
• If any provision is invalid, the remainder will continue in force.
• Failure to enforce any right does not constitute a waiver.

15. Changes to These Terms

We may update these Terms periodically. The latest version will always be available on this page.

How we collect, use and protect personal data

Panacea Adviser (“Panacea”, “we”, “us”, “our”) is committed to protecting and respecting your privacy.

This policy explains how we collect, use and protect your personal data when you use our website and services.

We may update this policy from time to time. Please check this page periodically to ensure you are happy with any changes.

1. Who we are

Panacea Adviser is operated by Grantmell Limited (company number 05688007).

If you have any questions about this policy or how your data is handled, please contact: contact@panaceaadviser.com

2. What personal data we collect

We may collect and process the following information:

• Name
• Company name
• Job title
• Contact details, such as email address
• Professional information, such as firm type or role
• Technical data, such as IP address, browser type and device information

We may also supplement your information with limited data from third-party sources to help us improve relevance and personalisation.

3. How we use your data

We use your personal data to:

• Provide access to the Site and its services
• Personalise your experience and preferences
• Share relevant industry content and insights
• Enable Partners to respond to your interest where you engage with their content
• Improve the Site, services and user experience
• Conduct analysis, surveys and community insights on an aggregated basis
• Administer any competitions or promotions you choose to enter
• Comply with legal and regulatory obligations

4. Legal basis for processing

We process your personal data under the following lawful bases:

• Legitimate interests – to operate and improve our platform and provide relevant content to financial professionals
• Consent – where you have agreed to receive communications or engage with Partner content
• Legal obligation – where processing is required to comply with applicable laws

5. Sharing your data

Panacea operates as a platform connecting financial professionals with Partner content.

We do not sell your personal data.

We may share your data with Partner firms only where you engage with their content, for example by clicking or requesting further information. This enables Partners to respond to your interest.

We may also share data with trusted service providers who support the operation of the Site, such as hosting or analytics providers, under appropriate safeguards.

6. Cookies and tracking

We use cookies and similar technologies to enable core site functionality, recognise registered users, understand how the Site is used and improve performance and user experience.

For more detail, please see the Cookie Policy below.

7. Data security

We take appropriate technical and organisational measures to protect your personal data.

However, no internet-based system is completely secure and we cannot guarantee the security of information transmitted online.

8. Communications

We may contact you with relevant content and updates in line with your preferences.

You can update your preferences or opt out of communications at any time by logging into your “My Panacea” account or by contacting contact@panaceaadviser.com.

9. Data retention

We retain personal data only for as long as necessary to fulfil the purposes for which it was collected, including legal, regulatory and operational requirements.

If you would like more information on retention periods, please contact us.

10. Your rights

Under UK data protection law, you have the right to:

• Access your personal data
• Request correction of inaccurate data
• Request deletion of your data
• Restrict or object to processing
• Withdraw consent at any time
• Request transfer of your data where applicable

You can also manage your information via your account or by contacting contact@panaceaadviser.com.

If you are not satisfied with how we handle your data, you have the right to lodge a complaint with the Information Commissioner’s Office (ICO).

11. Changes to this policy

We keep this policy under regular review and will update it as necessary.

How cookies and similar technologies are used

This Cookie Policy explains how Panacea Adviser (“Panacea”, “we”, “us”, “our”) uses cookies and similar technologies on our website.

1. What are cookies?

Cookies are small text files placed on your device when you visit a website. They help websites function effectively and provide information about how the site is used.

2. How we use cookies

We use cookies to:

• Ensure the website functions properly
• Enable secure login and account management
• Understand how the Site is used
• Improve performance and user experience
• Support relevant content delivery

3. Types of cookies we use

Strictly necessary cookies
These cookies are essential for the operation of the Site and cannot be switched off. They include login, authentication, security and session management cookies.

Performance and analytics cookies
These cookies help us understand how visitors use the Site so we can improve it. We may use tools such as Google Analytics to collect information such as pages visited, time spent on the Site and navigation behaviour. These cookies are only used with your consent.

Functionality cookies
These cookies allow the Site to remember choices you make, such as preferences or settings, to provide a more personalised experience.

4. Third-party cookies

Some cookies may be set by third-party services that appear on our Site, such as analytics providers.

These third parties may collect information about your online activity over time and across different websites.

5. Managing cookies

When you first visit our Site, you will be asked to accept or manage your cookie preferences.

You can:

• Accept all cookies
• Reject non-essential cookies
• Adjust your preferences at any time via our cookie settings tool

You can also control cookies through your browser settings. However, disabling strictly necessary cookies may affect how the Site functions.

6. Changes to this policy

We keep this policy under regular review and will update it where necessary.

7. Contact

If you have any questions about our use of cookies, please contact contact@panaceaadviser.com.