THESE CONDITIONS APPLY TO THE ENTIRE CONTENTS OF THE WEBSITE. PLEASE READ THESE CONDITIONS CAREFULLY BEFORE USING THE WEBSITE AS USING THE WEBSITE CONSTITUTES YOUR ACCEPTANCE OF THESE CONDITIONS. IF YOU DO NOT ACCEPT THESE CONDITIONS, DO NOT USE THE WEBSITE.
- INTRODUCTION
1.1. The Website is owned and operated by Pensions Bank Limited, Charnwood Court, New Walk, Leicester, LE1 6TE ("Pensions Bank") and is operated from the U.K. Pensions Bank is authorised and regulated by the Financial Services Authority.
1.2. Pensions Bank may update and/or amend these conditions at any time and you should therefore check these conditions from time to time to make yourself aware of the then current conditions. Your continued use of the Website shall be deemed acceptance of any update or amendment.
- INTELLECTUAL PROPERTY
2.1. Unless otherwise stated, the copyright and other intellectual property rights in all material on the Website (including, without limitation, photographs and graphical images) are owned by Pensions Bank or its licensors. For the purposes of these conditions, any use of extracts from the Website other than in accordance with paragraph 2.2 below for any purpose is prohibited. If you breach any of the terms in these conditions of use, your permission to use the Website automatically terminates and you must immediately destroy any downloaded or printed extracts from the Website.
2.2. You are permitted to view extracts from the Website and print out one hard copy only on the following basis:
(a) no documents or related graphics on the Website are modified in any way;
(b) no graphics on the Website are used separately from accompanying text;
(c) all copyright notices as indicated within the Website appear in all copies; and
(d) the material and content are downloaded for personal use only and not for any commercial purpose.
2.3. No part of the Website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without Pensions Bank's prior written permission.
- SERVICE ACCESS
3.1. Pensions Bank endeavours to ensure that the Website is normally available 24 hours a day, but it will have no liability if for any reason the Website is unavailable at any time or for any period or if Pensions Bank decides to cease making the Website available to users.
3.2. Pensions Bank reserves the right to suspend or withdraw access to the Website either temporarily or permanently.
- VISITOR MATERIAL AND CONDUCT
4.1. Please read our Privacy Policy for details of how Pensions Bank will use your personal information.
4.2. You must not post or transmit to or from the Website any material:
4.1.1 that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience;
4.1.2 for which you have not obtained all necessary licences and/or consents and/or approvals;
4.1.3 which constitutes or encourages conduct that would be considered a criminal offence, gives rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party;
4.1.4 which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data);
4.1.5 which is excessive or which is likely to have large bandwidth requirements; or
4.1.6 which is detrimental to Pensions Bank or to other users.
4.2 You must not misuse the Website (including, without limitation, by hacking).
- LINKS TO AND FROM OTHER PARTS OF THE PORTAL AND OTHER WEBSITES
5.1 Links to third party websites via the Website are provided only for your convenience. If you use them, you leave the Website. Pensions Bank does not control these third party websites and is not responsible for them or their content or the services they offer. It therefore does not necessarily endorse or make any representations about them, or any material found on them, or any results that may be obtained from using them. If you decide to access any of them, you do so entirely at your own risk.
5.2 You are not permitted to link to the Website without the prior written consent of a director of Pensions Bank.
- DISCLAIMER
6.1 You use the Website at your own risk and your sole remedy for dissatisfaction with the Website or materials or services on it is to cease using the Website.
6.2 Pensions Bank endeavours to ensure that the information on the Website is correct, but it does not warrant the accuracy and completeness of the material on the Website.
6.3 Pensions Bank may make changes to the material on the Website, or to the services and prices described in it, at any time without notice.
6.4 The material on the Website may be out of date, and Pensions Bank makes no commitment to update it.
6.5 The material on the Website is provided "as is" without any conditions, warranties or other terms of any kind. To the maximum extent permitted by law, Pensions Bank allows access to the Website on the basis that Pensions Bank excludes all representations, warranties, conditions and other terms which but for these terms might have effect in relation to the Website.
6.6 Pensions Bank cannot guarantee and does not warrant that access to the Website and/or any part of it will be error free and without interruption. Pensions Bank's liability arising from any loss arising out of your use or inability to use the Website or any part of it is hereby excluded.
- LIABILITY
7.1 Pensions Bank excludes (so far as is permitted by law) all liability and responsibility for any amount or kind of loss or damage that may result to you or a third party (including without limitation, any direct, indirect, punitive or consequential loss or damages, or any loss of income, profits, goodwill, data, contracts, use of money, or loss or damages arising from or connected in any way to business interruption, and whether in tort (including without limitation negligence) contract or otherwise) in connection with the Website in any way or in connection with the use, inability to use or the results of use of the Website, any websites linked to this Website or the material on such websites, including but not limited to loss or damage due to viruses that may affect your access to, use of, or browsing this Website or your downloading of any material from the Website or any websites linked to the Website.
7.2 If your use of material on the Website results in the need for servicing, repair or correction of equipment, software or data, you assume all costs thereof.
7.3 Nothing in these conditions shall exclude or limit Pensions Bank liability for (i) death or personal injury caused by its negligence; (ii) fraud; (iii) misrepresentation as to a fundamental matter; or (iv) any liability which cannot be excluded or limited under applicable law.
7.4 Pensions Bank shall have no liability to you for any loss, costs, expenses or damages which you may suffer or incur due to any cause or event outside Pensions Bank's control.
- MISCELLANEOUS
8.1 If any part of these conditions is held by any competent authority to be invalid or unenforceable (whether in whole or in part) this shall not affect the validity of enforceability of the remainder of these terms.
- GOVERNING LAW AND JURISDICTION
9.1 These conditions and any contract with Pensions Bank shall be governed by and construed in accordance with English law. Disputes arising in connection with them or any contract with Pensions Bank shall be subject to the jurisdiction of the English courts.