This agreement applies between you, the User of this Website and The Pension Review Company LTD, the owner of this Website. Your agreement to comply with and be bound by these terms and conditions is deemed to occur upon your first use of the Website. If you do not agree to be bound by these terms and conditions, you should stop using the Website immediately.

1. Definitions and Interpretation

   In this Agreement the following terms shall have the following meanings: “Content” means any text, graphics, images, audio, video, software, data compilations and any other form of information capable of being stored in a computer that appears on or forms part of this Website;

   “The Pension Review Company LTD” means The Pension Review Company LTD of ,London House Business Centre, Thames Road, Crayford, Dartford DA1 4SL; “Service” means collectively any online facilities, tools, services or information that The Pension Review Company LTD makes available through the Website either now or in the future;

   “System” means any online communications infrastructure that The Pension Review Company LTD Ltd makes available through the Website either now or in the future. This includes, but is not limited to, web-based email, message boards, live chat facilities and email links;

   “User” / “Users” means any third party that accesses the Website and is not employed by The Pension Review Company LTD and acting in the course of their employment; and “Website” means the website that you are currently using (www.pensionreview.co.uk) and any sub-domains of this site unless expressly excluded by their own terms and conditions.

2. Intellectual Property
   1. All Content included on the Website, unless uploaded by Users, including, but not limited to, text, graphics, logos, icons, images, sound clips, video clips, data compilations, page layout, underlying code and software is the property of The Pension Review Company LTD our affiliates or other relevant third parties. By continuing to use the Website you acknowledge that such material is protected by applicable United Kingdom and International intellectual property and other relevant laws.
   2. Subject to sub-clause 2.3 you may not reproduce, copy, distribute, store or in any other fashion re-use material from the Website unless otherwise indicated on the Website or unless given express written permission to do so by The Pension Review Company LTD.
   3. Material from the Website may be re-used without written permission where any of the exceptions detailed in Chapter III of the Copyright Designs and Patents Act 1988 apply.
3. Links to Other Websites

   This Website may contain links to other sites. Unless expressly stated, these sites are not under the control of The Pension Review Company LTD or that of our affiliates. We assume no responsibility for the content of such Websites and disclaim liability for any and all forms of loss or damage arising out of the use of them. The inclusion of a link to another site on this Website does not imply any endorsement of the sites themselves or of those in control of them.

4. Links to this Website

   Those wishing to place a link to this Website on other sites may do so only to the home page of the site www.pensionreview.co.uk without prior permission. Deep linking (i.e. links to specific pages within the site) requires the express permission of The Pension Review Company LTD. Use of the Website is also governed by our Privacy Policy. To view the Privacy Policy, please click on the link above.

5. 5. Disclaimers
   1. The Pension Review Company LTD makes no warranty or representation that the Website will meet your requirements, that it will be of satisfactory quality, that it will be fit for a particular purpose, that it will not infringe the rights of third parties, that it will be compatible with all systems, that it will be secure and that all information provided will be accurate. We make no guarantee of any specific results from the use of our Service.
   2. No part of this Website is intended to constitute advice and the Content of this Website should not be relied upon when making any decisions or taking any action of any kind.
   3. Whilst The Pension Review Company LTD uses reasonable endeavours to ensure that the Website is secure and free of errors, viruses and other malware, all Users are advised to take responsibility for their own security, that of their personal details and their computers.
6. Availability of the Website and Modifications
   1. The Service is provided “as is” and on an “as available” basis. We give no warranty that the Service will be free of defects and / or faults. To the maximum extent permitted by the law we provide no warranties (express or implied) of fitness for a particular purpose, accuracy of information, compatibility and satisfactory quality.
   2. The Pension Review Company LTD accepts no liability for any disruption or non-availability of the Website resulting from external causes including, but not limited to, ISP equipment failure, host equipment failure, communications network failure, power failure, natural events, acts of war or legal restrictions and censorship.
   3. The Pension Review Company LTD reserves the right to alter, suspend or discontinue any part (or the whole of) the Website including, but not limited to, the products and/or services available. These Terms and Conditions shall continue to apply to any modified version of the Website unless it is expressly stated otherwise.
7. Limitation of Liability
   1. To the maximum extent permitted by law, The Pension Review Company LTD accepts no liability for any direct or indirect loss or damage, foreseeable or otherwise, including any indirect, consequential, special or exemplary damages arising from the use of the Website or any information contained therein. Users should be aware that they use the Website and it is Content at their own risk.
   2. Nothing in these terms and conditions excludes or restricts The Pension Review Company LTDs liability for death or personal injury resulting from any negligence or fraud on the part of The Pension Review Company LTD.
   3. Every effort has been made to ensure that these terms and conditions adhere strictly with the relevant provisions of the Unfair Contract Terms Act 1977. However, in the event that any of these terms are found to be unlawful, invalid or otherwise unenforceable, that term is to be deemed severed from these terms and conditions and shall not affect the validity and enforceability of the remaining terms and conditions. This term shall apply only within jurisdictions where a particular term is illegal.
8. No Waiver

   In the event that any party to these Terms and Conditions fails to exercise any right or remedy contained herein, this shall not be construed as a waiver of that right or remedy.

9. Previous Terms and Conditions

   In the event of any conflict between these Terms and Conditions and any prior versions thereof, the provisions of these Terms and Conditions shall prevail unless it is expressly stated otherwise.

10. Third Party Rights

    Nothing in these Terms and Conditions shall confer any rights upon any third party. The agreement created by these Terms and Conditions is between you and The Pension Review Company LTD.

11. Communications
    1. All notices / communications shall be sent to us either by post to our Premises (see address above). Such notice will be deemed received 3 days after posting if sent by first class post, the day of sending if the email is received in full on a business day and on the next business day if the email is sent on a weekend or public holiday.
    2. The Pension Review Company LTD may from time to time send you information about our products and/or services.
12. Law and Jurisdiction

    These terms and conditions and the relationship between you and The Pension Review Company LTD shall be governed by and construed in accordance with the Law of the UK and The Pension Review Company LTD and you agree to submit to the exclusive jurisdiction of the Supreme Court of the United Kingdom.

    Enquiry Form Privacy Policy

    This Policy applies as between you, the User of this Website and The Pension Review Company LTD the owner and provider of this Website. This Policy applies to our use of any and all Data collected by us in relation to your use of the Website. 1. Definitions and Interpretation In this Policy the following terms shall have the following meanings: “Data” means collectively all information that you submit to the The Pension Review Company LTD via the Website. This definition shall, where applicable, incorporate the definitions provided in the Data Protection Act 1998; “The Pension Review Company LTD” means The Pension Review Company LTD of ,London House Business Centre, Thames Road, Crayford, Dartford DA1 4SL; “User” means any third party that accesses the Website and is not employed by The Pension Review Company LTD and acting in the course of their employment; and “Website” means the website that you are currently using (www.Pensionreview.co.uk) and any sub-domains of this site unless expressly excluded by their own terms and conditions. 2. Scope of this Policy This Policy applies only to the actions of The Pension Review Company LTD and Users with respect to this Website. It does not extend to any websites that can be accessed from this Website including, but not limited to, any links we may provide to social media websites. 3. Data Collected Without limitation, any of the following Data may be collected by this Website from time to time: 3.1 First name 3.2 Last name 3.3 Email 3.4 Telephone 3.5 Postcode 3.6 Service interested in 4. Our Use of Data 4.1 Any personal Data you submit will be retained by The Pension Review Company LTD. 4.2 Unless we are obliged or permitted by law to do so, and subject to Clause 5, your Data will only be disclosed to your assigned financial advisor. 4.3 All personal Data is stored securely in accordance with the principles of the Data Protection Act 1998. 4.4 Any or all of the above Data may be required by us from time to time in order to provide you with the best possible service and experience when using our Website. Specifically, Data may be used by us for the following reasons: 4.4.1 internal record keeping; 4.4.2 improvement of our products / services; 4.4.3 transmission by email of promotional materials that may be of interest to you; 4.4.4 contact for market research purposes which may be done using email, telephone, fax or mail. Such information may be used to customise or update the Website. 4.4.1 internal record keeping; 4.4.2 improvement of our products / services; 4.4.3 transmission by email of promotional materials that may be of interest to you; 4.4.4 contact for market research purposes which may be done using email, telephone, fax or mail. Such information may be used to customise or update the Website. 5. Third Party Websites and Services 5.1 The Pension Review Company LTD may, from time to time, employ the services of other parties for dealing with matters that may include, but are not limited to, payment processing, delivery of purchased items, search engine facilities, advertising and marketing. The providers of such services do not have access to certain personal Data provided by Users of this Website. 5.2 Any Data used by such parties is used only to the extent required by them to perform the services that The Pension Review Company LTD requests. Any use for other purposes is strictly prohibited. Furthermore, any Data that is processed by third parties shall be processed within the terms of this Policy and in accordance with the Data Protection Act 1998. 6. Links to Other Websites This Website may, from time to time, provide links to other websites. The Pension Review Company LTD has no control over such websites and is in no way responsible for the content thereof. This Policy does not extend to your use of such websites. Users are advised to read the privacy policy or statement of other websites prior to using them. 7. Changes of Business Ownership and Control 7.1 The Pension Review Company LTD may, from time to time, expand or reduce our business and this may involve the sale and/or the transfer of control of all or part of The Pension Review Company LTD. Data provided by Users will, where it is relevant to any part of our business so transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this Policy, be permitted to use the Data for the purposes for which it was originally supplied to us. 7.2 In the event that any Data submitted by Users is to be transferred in such a manner, you will not be contacted in advance and informed of the changes. When contacted you will not be given the choice to have your Data deleted or withheld from the new owner or controller. 8. Controlling Use of Your Data 8.1 Wherever you are required to submit Data, you will be given options to restrict our use of that Data. This may include the following: 8.1.1 use of Data for direct marketing purposes; and 8.1.2 sharing Data with third parties. 9. Your Right to Withhold Information You may access the Website without providing any Data at all. 10. Accessing your own Data You have the right to ask for a copy of any of your personal Data held by The Pension Review Company LTD (where such data is held) on payment of a small fee of £10. 11. Security 11.1 Data security is of great importance to The Pension Review Company LTD and to protect your Data we have put in place suitable physical, electronic and managerial procedures to safeguard and secure Data collected via this Website. 12. Changes to this Policy The Pension Review Company LTD reserves the right to change this Policy as we may deem necessary from time to time or as may be required by law. Any changes will be immediately posted on the Website and you are deemed to have accepted the terms of the Policy on your first use of the Website following the alterations. Google Analytics Privacy Policy 1.1 This website www.pensionreview.co.uk uses Google Analytics to help analise how users use the site. The tool uses "cookies," which are text files placed on the computer, to collect standard Internet log information and visitor behavior information in an anonymous form. The information generated by the cookie about the use of the website (including IP address) is transmitted to Google. In addition The Pension Review Company LTD may use Google Adwords conversion tracking code to track conversion data from its Enquiry Forms. This information is then used to evaluate visitors use of the website and to compile statistical reports on website activity for The Pension Review Company LTD. 1.2 The Google statistical analytics tool is used to track visitors. Google will not associate the visitors IP address with any other data held by Google. Neither The Pension Review Company LTD or Google will link, or seek to link, an IP address with the identity of a computer user. The Pension Review Company LTD will not associate any data gathered from this site with any Personally Identifiable Information from any source, unless explicitly submited via the Enquiry Form on the website. Website Disclaimer 1.1 The Pension Review Company LTD makes no warranty or representation that this website will meet your requirements, that it will be of satisfactory quality, that it will be fit for a particular purpose, that it will not infringe the rights of third parties, that it will be compatible with all computer systems, that it will be secure and that all information provided will be accurate. The Pension Review Company LTD makes no guarantee of any specific results from the use of this website. 1.2 No part of this website is intended to constitute advice and the content of this website should not be relied upon when making any decisions or taking any action of any kind. Copyright Notice © The Pension Review Company LTD. All Rights Reserved. The content of this website is protected by the copyright laws of the United Kingdom and by international laws and conventions. No content from this website may be copied, reproduced or revised without the prior written consent of The Pension Review Company LTD. Copies of content may be saved and/or printed for personal use only.