1. About these Terms

1.1 These Terms explain how you may use this website (the Site)

1.2 You should read these Terms carefully before using the Site.

1.3 By accessing or using the Site or otherwise indicating your consent, you agree to be bound by these Terms and the documents referred to in them.

1.4 If you do not agree with or accept any of these Terms, you should stop using the Site immediately.

1.5 If you have any questions about the Site, please contact us by:
1.5.1 e-mail [email protected]

1.6 Definitions

Content

means any text, images, video, audio or other multimedia content, software or other information or material submitted to or on the Site;

Terms

means these terms and conditions of use as updated from time to time under clause 11;

Unwanted Submission

has the meaning given to it in clause 4.1;

Acceptable use policy

means the policy, which governs your permitted use of the Site;

Privacy and cookie policy

means the policy which governs how we process any personal data collected from you, and how we use cookies in the Site;

Online terms and conditions

means the terms and conditions which govern the supply of goods and/or services by us to you, via the Site;

Site

has the meaning given to it in clause 1.1; and

We, us or our

“means Creative Adviser Limited, a company registered in England and Wales with the Company Number 08788170 and the registered office at 35 King Street, Bristol, England BS1 4DZ”

You or your

means the person accessing or using the Site or its Content.

1.7 Your use of the Site means that you must also comply with our Acceptable use policy, our Privacy and cookie policy and our Online terms and conditions.

2 Using the Site

2.1 The Site is for your personal use only. PensionAdvice.org or its owners are not registered with the Financial Conduct Authority and are therefore not authorised to give financial advice. The information provided on the blogs and articles contained within this website are solely for information purposes only and do not constitute financial advice.

2.2 You agree that you are solely responsible for all costs and expenses you may incur in relation to your use of the Site.

2.3 The Site is intended for use only by those who can access it from within the UK. If you choose to access the Site from locations outside the UK, you are responsible for compliance with local laws where they are applicable.

2.4 We seek to make the Site as accessible as possible. If you have any difficulties using the Site, please contact us at the email address above.

2.5 If you do anything which is a criminal offence under the Computer Misuse Act 1990, your right to use the Site will end immediately. We will report you to the relevant authorities and give them your identity. Examples of computer misuse include introducing viruses, worms, Trojans and other technologically harmful or damaging material.

2.6 We may prevent or suspend your access to the Site if you do not comply with any part of these Terms, any terms or policies to which they refer or any applicable law.

3. Ownership, use and intellectual property rights

3.1 This Site and all intellectual property rights in it including but not limited to any Content are owned by us. Intellectual property rights means rights such as: copyright, trade marks, domain names, design rights, database rights, patents and all other intellectual property rights of any kind whether or not they are registered or unregistered (anywhere in the world). We reserve all of our rights in any intellectual property in connection with these Terms. This means, for example, that we remain owners of them and free to use them as we see fit.

3.2 Nothing in these Terms grants you any legal rights in the Site other than as necessary to enable you to access the Site. You agree not to adjust to try to circumvent or delete any notices contained on the Site (including any intellectual property notices) and in particular in any digital rights or other security technology embedded or contained within the Site.

3.3 You are allowed to print one copy and download extracts of any page on the Site for your personal reference, but not for commercial use without a licence from us. You must not alter anything, or use any illustrations, video, audio or photographs separately from the text that goes with them.

3.4 If you breach these Terms, you lose your right to use the Site, and must destroy or return any copies you have made.

4. Submitting information to the Site.

4.1 While we try to make sure that the Site is secure, we cannot guarantee the security of any information that you supply to us and therefore we cannot guarantee that it will be kept confidential. For that reason, you should not let us have any patentable ideas or patent applications, advertising or marketing suggestions, prototypes, or any other information that you regard as confidential, commercially sensitive or valuable (Unwanted Submissions). While we value your feedback, you agree not to submit any Unwanted Submissions.

4.2 We may use any Unwanted Submissions as we see reasonably fit on a free-of-charge basis (bear in mind that we have no way of knowing whether such information is confidential, commercially sensitive or valuable because we do not monitor the Site to check for these matters). Therefore, we will not be legally responsible for keeping any Unwanted Submissions confidential nor will we be legally responsible to you or anybody else for any use of such Unwanted Submissions.

5. Accuracy of information and availability of the Site

5.1 While we try to make sure that the Site is accurate, up-to-date and free from bugs, we cannot promise that it will be. Furthermore, we cannot promise that the Site will be fit or suitable for any purpose. Any reliance that you may place on the information on this Site is at your own risk.

5.2 We may suspend or terminate operation of the Site at any time as we see fit.

5.3 Content is provided for your general information purposes only. It does not constitute technical, financial or legal advice or any other type of advice and should not be relied on for any purposes.

5.4 While we try to make sure that the Site is available for your use, we do not promise that the Site is available at all times nor do we promise the uninterrupted use by you of the Site.

6. Hyperlinks and third party sites

The Site may contain hyperlinks or references to third party websites other than the Site. Any such hyperlinks or references are provided for your convenience only. We have no control over third party websites and accept no legal responsibility for any content, material or information contained in them. The display of any hyperlink and reference to any third party website does not mean that we endorse that third party’s website, products or services. Your use of a third party site may be governed by the terms and conditions of that third party site.

7.Limitation on our liability

7.1 Except for any legal responsibility that we cannot exclude in law (such as for death or personal injury), we are not legally responsible for any:

7.1.1 losses that:

(a) were not foreseeable to you and us when these Terms were formed; or
(b) that were not caused by any breach on our part

7.1.2 business losses, including any loss of income, profit, business, data, contracts, goodwill or savings; and

7.1.3 losses to non-consumers.

7.2 We also exclude, as far as legally possible, all terms and warranties or promises implied by law or by statute.

8. Events beyond our control

We shall have no liability to you for any breach of these Terms caused by any event or circumstance beyond our reasonable control including, but not limited to, strikes, lock-outs or other industrial disputes; breakdown of systems or network access; or flood, fire, explosion or accident.

9. Rights of third parties

No one other than a party to these Terms has any right to enforce any of these Terms.

10. Variation

These Terms are dated June 2019. No changes to these Terms are valid or have any effect unless agreed by us in writing. We reserve the right to vary these Terms from time to time. Our updated terms will be displayed on the Site and by continuing to use and access the Site following such changes, you agree to be bound by any variation made by us. It is your responsibility to check these Terms from time to time to verify such variations.

11. Disputes

11.1 We will try to resolve any disputes with you quickly and efficiently.
11.2 If you are unhappy with us please contact us as soon as possible.
11.3 If you and we cannot resolve a dispute using our complaint handling procedure, we will:

11.3.1 let you know that we cannot settle the dispute with you; and
11.3.2 give you certain information about our alternative dispute resolution provider

11.4 If you want to take court proceedings, the relevant courts of England will have exclusive jurisdiction in relation to these Terms, and any non-contractual obligations arising hereunder.

11.5 English law will apply to these Terms.