1.  The Offer

Octopus Money Direct customers who book an introductory session for either our Financial Planning or Wealth Planning service on or before 31 December 2026 will have the standard financial plan creation fee of £299 (inclusive of VAT) waived in full.

2.  Eligibility

This offer is only available to customers who satisfy all of the following criteria:

• You are an existing Octopus Money Direct customer at the time of booking and at the time of the planning session; and
• You have not previously purchased a Financial Planning or Wealth Planning service from Octopus Money.

Octopus Money reserves the right to verify eligibility and to withdraw the fee waiver if eligibility criteria are not met.

3.  How to Claim

To ensure the fee waiver is applied automatically at the point of booking, you should book your introductory session using one of the following routes:

• Via the dedicated booking page: octopusmoneydirect.com/planning; or
• Via a link provided to you by Octopus Money Direct in an email communication — these links carry the necessary information to identify you as an Octopus Money Direct customer and apply the fee waiver automatically.

4.  Offer Deadline

Your introductory session must be booked by 23:59 on 31 December 2026. Bookings made after this date and time will not qualify for the fee waiver regardless of circumstances.

5.  What Is and Is Not Included

The fee waiver applies solely to the one-off £299 financial plan creation fee.

All other fees and charges for whichever service you take continue to apply in full, including any ongoing advice fees should you choose to proceed beyond receipt of your financial plan. Full details of applicable fees and service terms are set out below:

• Financial Planning — full terms available at octopusmoney.com/legal/terms.
• Wealth Planning — the terms of business for this service are provided to you by your Adviser before your financial plan is created. You will be asked to sign these terms in order to authorise Octopus Money to access and gather the required information from your investment providers for the purpose of building your plan.

The fee waiver cannot be combined with any other discount, offer, or employer-funded arrangement unless expressly agreed in writing by Octopus Money. The offer does not apply to any other Octopus Money service.

6.  No Obligation to Proceed Beyond Your Financial Plan

Receiving your financial plan does not obligate you to take any further action with Octopus Money.

For the Wealth Planning service specifically: signing the terms of business authorises Octopus Money to access information from your investment providers solely for the purpose of creating your financial plan. Signing the terms of business does not obligate you to:

• Transfer any assets to Octopus Money;
• Receive ongoing financial advice from Octopus Money; or
• Incur any ongoing advice charges.

Any decision to proceed beyond receiving your financial plan — including investing assets or taking up an ongoing advice service — is entirely at your discretion and will be subject to separate agreement.

7.  Service Suitability

Our Financial Planning and Wealth Planning services are not suitable for everyone. Eligibility criteria apply and are set out in the relevant service terms.

In particular, our Financial Planning service is not suitable for individuals who are under 18 years of age, not UK resident and domiciled for tax purposes, retired or taking money from a pension, planning to retire within five years, US citizens, or who have more than £200,000 of investable assets. Full eligibility criteria are available at octopusmoney.com/legal/terms.

8.  One Offer Per Customer

This promotion is limited to one fee waiver per eligible customer. The fee waiver applies to either the Financial Planning or the Wealth Planning service — not both.

9.  Changes and Withdrawal

Octopus Money reserves the right to amend or withdraw this promotion at any time without prior notice. Any fee waiver already confirmed to a customer in writing will be honoured.

10.  Full Service Terms

Use of our services is subject to our full terms and conditions. For Financial Planning, these are available at octopusmoney.com/legal/terms. For Wealth Planning, the terms of business will be provided to you by your Adviser prior to your plan being created.

11.  Promoter

Octopus Money Financial Solutions Limited, 33 Holborn, London, EC1N 2HT. Octopus Money is a trading name of Octopus Money Financial Solutions Limited. Authorised and regulated by the Financial Conduct Authority.