Last updated: August 2026
Acceptance of Terms
By accessing and using this website, you accept and agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any part of these terms, you should not use this website or our services.
These terms apply to all visitors, users, and clients who access or use our website and services.
Services Description
cosmic-saga provides consultation services related to UK benefits and pension entitlements. Our services include eligibility assessments, application assistance, appeal preparation, tribunal representation, and pension planning advice.
The information provided on this website and through our services is for general guidance purposes. While we strive for accuracy, we do not warrant that all information is complete, accurate, or current.
Service Limitations
Our consultation services are advisory in nature. We provide guidance based on current UK legislation and our professional expertise, but we cannot guarantee specific outcomes for benefit claims or appeals.
Decisions regarding benefits and pensions are made by the relevant government departments (such as the Department for Work and Pensions). We have no control over these decisions and cannot be held responsible for outcomes that differ from expectations.
Client Responsibilities
When using our services, you agree to:
- Provide accurate and complete information about your circumstances
- Inform us promptly of any changes to your situation
- Respond to our requests for information in a timely manner
- Keep copies of documents you provide to us
- Attend scheduled appointments or provide reasonable notice of cancellation
- Pay agreed fees according to the payment terms
Fees and Payment
Our service fees are displayed on the Services page and are subject to change. Fees are agreed upon before we commence work on your behalf. Payment terms will be communicated at the time of engagement.
Additional fees may apply for work that exceeds the standard scope of a service package. Any such additional charges will be discussed and agreed before they are incurred.
Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of cosmic-saga or its content suppliers and is protected by UK and international copyright laws.
You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content from this website without our prior written consent.
Website Use
You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others or restrict their use of the website. You must not:
- Use the website in any way that breaches applicable local, national, or international law
- Transmit any material that is defamatory, offensive, or otherwise objectionable
- Attempt to gain unauthorised access to any part of the website or server
- Introduce viruses, malware, or other malicious code
- Use automated systems to access the website without permission
Disclaimer of Warranties
This website and its content are provided on an "as is" and "as available" basis. We make no representations or warranties of any kind, express or implied, regarding:
- The accuracy, completeness, or reliability of any content
- The availability or uninterrupted operation of the website
- The suitability of our services for your particular needs
- The outcome of any benefit application or appeal
Limitation of Liability
To the fullest extent permitted by law, cosmic-saga shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising from:
- Your use of or inability to use our website or services
- Any errors or omissions in our content
- Decisions made by government departments regarding your benefits
- Unauthorised access to or alteration of your transmissions or data
Our total liability for any claim arising from our services shall not exceed the fees paid by you for those services.
Confidentiality
We treat all information you provide as confidential and will not disclose it to third parties without your consent, except as necessary to provide our services or as required by law.
You acknowledge that some disclosure may be necessary when acting on your behalf with government departments or other relevant bodies.
Termination
Either party may terminate our service agreement at any time by providing written notice. Upon termination, you remain responsible for fees incurred up to the termination date.
We reserve the right to refuse service or terminate relationships where clients provide false information or engage in behaviour that prevents us from providing effective service.
Governing Law
These Terms of Use are governed by and construed in accordance with the laws of Scotland and the United Kingdom. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the Scottish courts.
Changes to Terms
We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to this website. Your continued use of the website after any changes constitutes acceptance of the new terms.
We encourage you to review these terms periodically for updates.
Contact Information
If you have questions about these Terms of Use, please contact us:
cosmic-saga
42 Princes Street
Edinburgh EH2 2BY
United Kingdom
Email: [email protected]
Severability
If any provision of these Terms of Use is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.