Disclaimer

Last updated: 9^th June 2025

This Disclaimer applies to the Seven Medical website, resources, guides, downloads, articles, emails, courses, workshops, NHS Pension Reports, coaching sessions and other educational materials.

Seven Medical is a trading name of Dimensional Wealth Group Limited, a company registered in England and Wales under company number 15741886. Registered office: Kensington House, Bishop Auckland, DL14 6HX.

In this Disclaimer, “Seven Medical”, “we”, “us” and “our” refer to Seven Medical / Dimensional Wealth Group Limited.

1. General information only

The information provided by Seven Medical is for general information, education and guidance only.

We take reasonable care to ensure that our content is accurate and up to date at the time it is produced. However, pension rules, tax rules, NHS Pension Scheme processes, HMRC guidance, NHSBSA guidance, legislation and government policy can change.

Nothing on this website or in our materials should be treated as a complete or legally binding statement of the law, tax rules or NHS Pension Scheme regulations.

Where there is any conflict between our content and the relevant legislation, regulations, NHS Pension Scheme rules, NHSBSA guidance, HMRC guidance or formal professional advice, the formal rules and guidance will prevail.

2. No regulated financial advice

Seven Medical is not authorised or regulated by the Financial Conduct Authority.

Seven Medical does not provide regulated financial advice, investment advice, pension transfer advice or regulated pension advice.

Nothing on this website, in our resources, in our NHS Pension Reports, in our courses, in our workshops, in our emails or in our coaching sessions should be treated as a personal recommendation to buy, sell, hold, transfer, crystallise, amend, opt out of, contribute to or otherwise alter any pension, investment or financial product.

Seven Medical does not recommend whether you should:

- join or leave the NHS Pension Scheme;

- opt out of pension membership;

- transfer pension benefits;

- retire at a particular age;

- take partial retirement;

- use Scheme Pays;

- take a particular level of pension or lump sum;

- choose one McCloud remedy option over another;

- amend contributions;

- buy additional pension;

- invest, disinvest or change investments;

- take any specific course of financial action.

Where regulated financial advice, investment advice or pension transfer advice is required, you should seek advice from an appropriately authorised FCA-regulated adviser.

3. No tax, legal, employment or actuarial advice

Seven Medical does not provide tax advice, legal advice, employment advice or actuarial advice.

Our content may explain general tax, legal, employment, pension sharing or actuarial concepts where relevant to NHS pension education. This is for general understanding only and should not be relied upon as professional advice.

Tax is your personal responsibility. If you are concerned about annual allowance, tapered annual allowance, Scheme Pays, HMRC reporting, self-assessment, pension tax charges, lump sum allowances, divorce, inheritance tax or any other tax issue, you should seek advice from a suitably qualified tax adviser or accountant.

If your situation involves divorce, pension sharing, employment rights, contractual terms, ill-health retirement, dispute resolution, negligence, litigation or family law, you should seek advice from a suitably qualified solicitor, actuary, pension on divorce expert, accountant or other appropriate professional.

4. NHS Pension Reports

Seven Medical may prepare NHS Pension Reports based on information provided by you, NHSBSA documents, employer information, pension statements, pension savings statements, Total Reward Statements, Annual Benefit Statements and other documents you choose to supply.

An NHS Pension Report is an educational and illustrative report. It may include scenario modelling, pension projections, annual allowance modelling, Scheme Pays illustrations, McCloud remedy comparisons, lump sum illustrations and explanation of relevant NHS pension issues.

An NHS Pension Report is not a regulated report, personal financial advice, tax advice, legal advice, employment advice, actuarial advice or a recommendation to take a particular course of action.

Figures shown in an NHS Pension Report are estimates only and depend on the accuracy and completeness of the information provided. Final pension benefits can only be confirmed by NHS Pensions or the relevant scheme administrator at the appropriate time.

5. Accuracy of information

We use reasonable care when preparing content, reports and educational materials. However, we do not guarantee that information is complete, accurate, current, error-free or suitable for your personal circumstances.

NHS pension information can be complex and may be affected by:

- incomplete or out-of-date NHSBSA records;

- employer or payroll data;

- changes in pensionable pay or pensionable earnings;

- practitioner or officer status;

- annual allowance and pension input amount calculations;

- McCloud remedy adjustments;

- Scheme Pays elections;

- divorce or pension sharing orders;

- changes in tax law, pension law, scheme regulations or government policy;

- personal circumstances not known to us.

You are responsible for checking information provided to us and for telling us if anything is inaccurate, incomplete or has changed.

6. Projections and modelling

Any projections, calculations, illustrations or modelling provided by Seven Medical are for educational and illustrative purposes only.

They are based on assumptions, information available at the time and the data provided to us. Actual outcomes may be different.

Past figures, estimated values, projected income, lump sums, tax charges, annual allowance positions, Scheme Pays impacts or retirement outcomes should not be treated as guaranteed.

7. Third-party information and links

Our website and materials may refer or link to third-party websites, including NHSBSA, HMRC, GOV.UK, BMA, professional bodies, booking systems, payment providers, course platforms or other external resources.

These links are provided for convenience and education only.

We are not responsible for the accuracy, completeness, availability, security, content or policies of third-party websites.

8. No guarantee of outcomes

Seven Medical does not guarantee any financial, pension, tax, legal, retirement, employment, divorce, litigation or personal outcome.

Our role is to help you understand NHS pension complexity, explore possible scenarios and prepare better questions. You remain responsible for your own decisions and for obtaining appropriate professional advice where needed.

9. Professional advice

NHS pension decisions can have financial, tax, legal, employment, family, actuarial and regulated advice implications.

Before making important decisions, you should seek advice from appropriately authorised or suitably qualified professionals where relevant. This may include an FCA-regulated financial adviser, accountant, solicitor, actuary, pension on divorce expert, employer, NHS Pensions or another relevant specialist.

10. Limitation of liability

Nothing in this Disclaimer excludes or limits liability where it would be unlawful to do so.

Subject to that, Seven Medical / Dimensional Wealth Group Limited accepts no liability for loss or damage arising from:

- reliance on general information, resources, guides, articles, courses or educational materials;

- decisions made without obtaining appropriate professional advice;

- inaccurate, incomplete or out-of-date information provided to us;

- inaccurate, incomplete or out-of-date third-party data;

- changes in law, tax rules, NHS Pension Scheme rules, NHSBSA processes, HMRC guidance, government policy or professional guidance;

- assumptions used in projections, modelling or illustrations;

- use of third-party websites, tools, platforms or resources.

11. Updates to this Disclaimer

We may update this Disclaimer from time to time to reflect changes in our business, website, services, law, regulation, NHS Pension Scheme rules or guidance.

The latest version will be published on this page with the updated date.

12. Contact us

If you have any questions about this Disclaimer, please contact:

Seven Medical

A trading name of Dimensional Wealth Group Limited

Registered office: Kensington House, Bishop Auckland, DL14 6HX

Telephone: 01388 605785

Email: [email protected]