Terms & Conditions

Terms & Conditions

This website (the "Website") is operated by Intelligent Pensions Ltd at Cadell House, 27 Waterloo Street, Glasgow, G2 6BZ ("we"/"us"/"our").

The terms and conditions set out below (the "Terms") apply to any person using the Website ("you"/"your").  By accessing any pages or content within the Website, you shall be deemed to have accepted the Terms.  Please read them carefully before you access any other pages on the Website.  If you do not accept any of the Terms, you must not access any other pages within the Website, and leave this page immediately.

1. Intellectual property rights:

The intellectual property rights (including but not limited to all copyright, trade marks and database rights) in the content, layout and structure of the Website are owned by or licensed to us.  You may reproduce parts of the content only by downloading and viewing such content ("Download(s)") on a single PC for private use only.  The content, layout or structure of the Website may not be otherwise reproduced or transmitted or made available (in whole or in part) on a network without our prior written permission, and any content downloaded in accordance with this disclaimer may not be used in any other manner without our prior written permission. 

2. Disclaimer:

We have prepared the information contained in the Website for the purpose of providing general information.  This information does not constitute financial advice and you should not rely on any information contained in the Website without first taking professional advice.  If you require specific advice, please contact us.

We reserve the right to alter both the Website and the Terms at any time.

We assume no responsibility for any information contained in the Website, and provide you with access to the Website only on the basis that we disclaim to the maximum extent permitted by applicable law all representations, warranties, conditions and other terms which may have had effect in relation to the Website but for these Terms.

Links to other websites are provided for information only. We take no responsibility and disclaim all liability in respect of any material found on any third party sites.

We will take reasonable steps to ensure that neither the Website nor any Downloads are infected with viruses or other malicious code.  However, we suggest that you check all Downloads for viruses.  We disclaim to the fullest extent permitted by applicable law all liability relating to or arising in connection with any computer viruses or other malicious code originating from the Website, Downloads or any third party website accessed via the Website.

3. Liability:

WE HEREBY EXCLUDE ANY LIABILITY OR RESPONSIBILITY FOR ANY LOSS OR DAMAGE THAT MAY RESULT TO YOU OR A THIRD PARTY IN CONNECTION WITH THE WEBSITE, HOWSOEVER ARISING.  NOTHING IN THIS CLAUSE 3 SHALL EXCLUDE OR LIMIT OUR LIABILITY FOR DEATH OR PERSONAL INJURY OR ANY OTHER LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER ANY APPLICABLE LAW.

4. Privacy/Data Protection:

We will only use your personal data in accordance with our Privacy Policy.  Any information provided by you which does not constitute "personal data" within the meaning of the Data Protection Act 1998 will not be subject to our Privacy Policy and we will have no obligations with respect to such information.

5. General:

If any provision of the Terms is judged to be illegal or unenforceable by a court of competent jurisdiction, the remainder of the provisions of the Terms shall continue in full force and effect.

We will use our reasonable endeavours to make the Website available 24 hours a day, however we will not be liable if for any reason the Website is not available at any time or for any period.  Access to the Website may be suspended at any time.

The Terms shall be governed by and construed according to Scots law and any disputes arising in connection with the Terms shall be subject to the non-exclusive jurisdiction of the Scottish courts.  

Intelligent Pensions Ltd. is authorised and regulated by the Financial Services Authority.