In accessing the Website, you agree that you will access the Content solely for your own personal use but not for any commercial or public use. For this purpose alone you can download and use the Content on a single computer at a time. You may also print out individual pages on paper of any part of the Content on the Website and store such pages in electronic form on disk (but not on any server or any other storage device connected to a network where the pages could be accessed by other users) for your own personal, non-commercial use.

Except as permitted above, you agree not to download, copy, modify, store in any medium (including in any other website), distribute, transmit, re-transmit, or show in public any part of the Content without the prior written permission of the Operator, or in accordance with the Copyright, Designs and Patents Act 1988.

You agree to abide by all copyright notices and restrictions attached to the Website or Content and not to remove or alter any such notice or restriction or alter the Website or Content in any way.


Use of Content
The Content may not be downloaded, copied, reproduced, republished, posted, transmitted, redistributed or commercially exploited in any way except for your own personal, non-commercial use. Any other use requires the written permission of the Operator.

You agree not to adopt, modify or create a derivative work in electronic or structured manual form by systematically downloading and storing all and any of the Content in this Website or to use it for any other purpose other than for your own personal non-commercial home use.

You agree to abide by all applicable laws, regulations and codes of conduct and ensure that any content downloaded or stored by you does not infringe the rights of, or restrict or inhibit the use of the Website by any third party. Such restriction or inhibition includes, without limitation, conduct which is unlawful, or which may harass or cause distress or inconvenience to any person and the distribution or transmission of offensive, infringing, obscene, indecent or objectionable material or information within the Website.

In accessing the Website and Content you agree not to damage, interfere with or disrupt the normal flow of dialogue within the Website or do anything which may interrupt or impair Website functionality.


Links to third parties
This Website contains links to other sites operated by third parties that are wholly separate from the Operator. Links to all third party sites can be identified because by clicking on them you will launch a new browser window that displays the third party's site.

You acknowledge and agree that the Operator are not responsible for the availability of any third party sites or material you access through the Website and do not endorse and are not responsible or liable for any content, advertising, products or services on or available from such third party sites or material, nor for any damage, loss or offence of any content, advertising, products or service available on or available from third party sites or material.

Your dealing with any advertisers or merchants found on or via the Website including payment for any delivery of products, services and any terms, conditions, warranties or representations with such third parties are solely between you and such third party. You agree that the Operator are not liable for any loss or damage of any kind incurred as the result of any such dealings.


Liability and disclaimer
The Content should only be used for your general information and not by way of a specific recommendation or financial advice or legal advice as every individual's circumstances are different.

Before taking any action or decision based on whole or in part on the Content, you should always make your own independent checks of any information that is important in making such decision or taking such action. You should also seek professional financial advice or professional legal advice in appropriate circumstances.

The Operator take all such steps as are reasonably necessary to provide a fast and reliable service, but exclude to the fullest extent permitted by law any liability for the security of the service on the Website or for any distribution of the Website however caused, loss or corruption of any Content in transit, or loss or corruption of any Content when downloaded onto any computer systems.

The Operator make no representations or warranties of any kind whether expressed or implied as to the Content or the Website. The Operator make no representations or warranties about the accuracy, completeness or suitability for any purpose of the Content published on the Website or that defects will be corrected, or that the Website or the server that makes it available are free of viruses or other contamination. Any liability, however it occurs, for any such inaccuracies or errors is expressly excluded save if and to the extent that they may not lawfully be excluded.

The Operator will not be liable for any claims, injuries, penalties, losses, costs or expenses, liabilities or damages arising from the use of, or inability to use the Website or Content or from any action taken, or omitted to be taken, as a result of using the Website or Content. To the fullest extent permitted by law you agree that the Operator will not be liable to you and/or any third party for any damages including, without limitation, consequential or incidental damages (including but not limited to lost profits, loss of privacy or for failure to fulfill any duty) or any other indirect, special or punitive damages whatsoever that arise out of or are related to the use of the Website or the Content.


Partner firms
The Operator introduces enquiries to financial service and actuarial service partner firms. Where services relate to regulated products and services specified by section 22 of the Financial Services and Markets Act 2000 (c.8) as regulated activities supplemented by Schedule 2 of the Act, and where there is an enquiry for further information in relation to regulated products and services, the Operator will forward this request to a Partner Authorised Firm carefully chosen, reputable and trustworthy third party that is an Independent Financial Adviser (IFA) authorised directly or an appointed representative regulated by the FSA and qualified to satisfy this enquiry and to give advice. You are required to refer to their terms and conditions in relation to these products and services. The appointed partner authorised firm that has agreed to advise an enquiry relating to regulated activities is:

The appointed partner actuary firm that has agreed to provide actuarial reports using their Express Pension Valuation system to an enquiry is:

Where the Operator introduces an enquiry to our Partner Authorised Firm or Partner Actuarial Firm that does provide products and services to you, a payment is made of up to 25% from the Partner Authorised Firm or Partner Actuarial Firm of the fee or commission they receive from this transaction.

By submitting any form by way of email or telephone originating from the Website you are not under any obligation or commitment to purchase any service through our partner authorised firm. The request for and provision of any quote or information does not represent an agreement to conduct business between the parties. Before conducting any business our partner firms require your or your agents written authorisation, agreement to the terms of business letter or terms and conditions and payment of fees where applicable.

Changes to Terms
The Operator reserve the right to make changes to any part of the Website. Due to our policy of updating and improving the Website, it may be necessary to change the Terms. In the event that the Operator changes the Terms, the Operator will notify you by posting details of the changes on the Website.