Disclosures & Terms

Florin Pensions Website Disclosures & Terms of Use

Welcome to our website. Florin Pensions LLC (“Florin”) requires that all the visitors to our website (the “Site”) adhere to the following terms of use. Below the term “us” or “we” refers to Florin. The term “you” refers to the user or viewer of the Site.

By accessing the Site, you indicate your acknowledgement and acceptance of these terms and conditions which govern Florin’s relationship with you in relation to the Site.


Florin is a SEC registered investment adviser headquartered in San Francisco, California. The Site is limited to the dissemination of general information regarding our investment advisory services to United States residents residing in states where providing such information is not prohibited by applicable law. The Site is designed for non-UK residents only.

The publication of the Site on the Internet should not be construed by you as Florin’s solicitation to effect or attempt to effect transactions in securities or the rendering of personalized investment advice for compensation over the Internet. Furthermore, information on the Site should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Florin.

A copy of Florin’s current written disclosure statement discussing Florin’s business operations, services, and fees is available from Florin upon written request. For information pertaining to the registration status of Florin, please contact the United States Securities and Exchange Commission on their website at www.adviserinfo.sec.gov.

Florin makes no representation or warranties of any kind, express or implied as to the accuracy, timeliness, performance, completeness, reliability or suitability of the information, services and materials found or offered on the Site for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

Florin makes no representation or warranties of any kind, express or implied as to the accuracy, timeliness, performance, completeness, reliability or suitability of the information prepared by any unaffiliated third party, whether linked to the Site or incorporated herein and takes no responsibility therefore. All such information is provided solely for convenience purposes, and you should be guided accordingly.

Certain portions of the Site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Florin’s positions and/or recommendations as of a specific prior date. Due to various factors, including changing laws or market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s).

Case studies presented on the Site are intended for illustrative purposes only to provide an example of Florin’s processes and methodology. The case studies are based on actual client experiences, although fictional names have been used. An individual’s experience may vary based on his or her circumstances, and there can be no assurances that we will be able to achieve similar results in comparable situations.

Your use of, or any reliance on, any information or materials on the Site is entirely at your own risk for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through the Site meet your specific requirements.

Past performance may not be indicative of future results. Therefore, you should not assume that future performance of any specific investment, investment strategy or product made reference to directly or indirectly on the Site or indirectly via a link to an unaffiliated third-party website, will be profitable or equal past performance. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will be profitable for you. Investment in securities involves risks, including the risk of loss of principal.

Florin is neither a law firm or accounting firm, and no portion of the Site content should be interpreted as legal, accounting or tax advice. Viewers of the Site are encouraged to consult their own legal and tax advisers before marking any investment.

Any technical support given by Florin on the use of the Site is given in good faith and Florin cannot accept liability for any data or information held on your computer which may be lost or damaged when providing such support.

You agree that neither Florin nor its affiliates, subsidiaries, members, managers, sub-contractors or employees (together the “Florin Group”) will be liable whether in contract, tort, strict liability or otherwise for any indirect, incidental, consequential or punitive damages or any damages for loss of profits or anticipated benefits (even if the Florin Group has been advised of the possibility of such benefits) arising out of or in connection with the use of the Site or a linked website or with the delay or inability to use the Site or a linked website. Further, you agree that the Florin Group shall not be liable under any theory of liability for the transmission of any viruses which may infect your equipment, unauthorised access, theft, operator errors or any force majeure directly or indirectly in connection with the use of the Site.

User Rights and Intellectual Property Rights

You are allowed to view, download and print out content from the Site for personal purposes only. All rights to the Site and the content on the Site are reserved for Florin and/or our technology providers. This material includes, but is not limited to, the design, layout, look, appearance and graphics. You are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using the content available on the Site for commercial or public purposes without the prior written consent of Florin.


From time to time the Site may also include links to other websites. These links are provided for your convenience to provide further information. We have no control over the nature, content or availability to those websites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them. We have no responsibility for the content of the linked website.

You may not create a link to the Site from another website or document without Florin’s prior written consent.

Personal Data, Cookies and Privacy Policy

You are not required to provide any personal information on any areas of the Site. However, you may choose to provide us with personal data about yourself, for example your name, address, email address, telephone number and/or other information. Personal data submitted will be used to allow us, our employees, agents, sub-contractors, pension administrators and/or investment managers to process your request or application for business purposes and for other purposes, for example, to send you information on news, publications seminars and events.

Florin will only use personal data which you submit to us via the Site in accordance with our Privacy Policy (please refer to the link on our home page for a copy of this policy). By submitting your information to us (via an authorisation form or otherwise) you consent to the use of that information as set out in our Privacy Policy.

We may automatically collect and store anonymous information about your use of the Site. Examples of this type of information include demographic information, the type of internet browser you are using, the type of computer operating system, application software and peripherals you are using, the domain name of the web site from which you linked to our site and your browsing habits.

The Site uses cookies. The first time you visit the Site we assign an ID which is stored as a cookie on your computer. Cookies do not contain any personal information about you. We collect this information solely to learn more about the visitors to the different sections of the Site and to help make your experience more useful and informative. We do not share such information with anyone else.

You may disable cookies within your browser. Follow these links for further information:

Internet Explorer

You acknowledge and agree that by providing Florin with any personal or proprietary user information through the Site, you consent to the transmission of such personal or proprietary user information over international borders as necessary for processing in accordance with the standard business practices of Florin.


Florin reserves the right to terminate, suspend or alter the content of the Site and to amend these terms and conditions at any time. Continued use of the Site after alteration of these terms and conditions shall be deemed to constitute acceptance by you of such alterations.


IRS Circular 230 Disclosure: Pursuant to requirements imposed by the Internal Revenue Service, any references to tax contained on the Site (including any attachments) is not intended to be used, and cannot be used, for purposes of avoiding tax penalties imposed that may be imposed on any taxpayer.

Florin reserves the right to seek all remedies available at law and in equity for violations of these terms and conditions, including the right to block access from a particular internet address to the Site. If any provisions of these terms and conditions is or becomes invalid, illegal or unenforceable in any respect under the law of any jurisdiction: – the validity, legality and enforceability under the law of the jurisdiction of any other provision; and – the validity, legality and enforceability under the law of any other jurisdiction of that or any other provision shall not be affected or impaired in any way thereby.

These terms and conditions are governed by and construed in accordance with the laws of the State of California without giving effect to any conflict of law or choice of law provisions of that State.

Updated 30 May 2023