Terms & Conditions

These terms and conditions (the "Terms") are the terms on which this website http://www.pensiondcisions.com ("Website") is made available to you ("you"/"your") by PensionDCisions Limited ("we/us/our"). By accessing this website you agree to be bound by these Terms - if you do not accept these Terms, please discontinue your use of the Website immediately.

Copyright: The content and design of these Website pages are subject to copyright owned by PensionDCisions Limited or are used under licence from third party copyright owners.
Your use of this Website and its contents grants no rights to you in relation to our intellectual property rights (including, without limitation, trade marks, logos, graphics, photographs, animations, videos and text) or the intellectual property rights of third parties in the Website and its contents.
You are welcome to print web pages from this Website for your personal use but you may not copy, reproduce, republish, download, post, broadcast, record, transmit, commercially exploit, edit, communicate to the public or distribute in any way the services, web pages or materials on the Website or the computer codes of elements comprising the Website for any other purpose.
Links to other Websites: We may provide links to other websites from time to time (via advertising or otherwise). These links are provided for your ease of reference and convenience only. We do not control such third party websites and are not responsible for their contents. Our inclusion of links does not imply any endorsement of the material contained in such websites or any association with their operators. You acknowledge that we will not be party to any transaction or contract with a third party that you may enter into and we shall not be liable to you in respect of any loss or damage which you may suffer by using those websites. You agree that you will not involve us in any dispute between you and a third party.
Use of the Website: You agree that you will not use the Website in any way that may lead to the encouragement, procurement or carrying out of any criminal activity or for any purpose other than your personal use.
Exclusion of Liability: This Website is provided on an "as is" and "as available" basis to its users and your use of this Website is therefore at your own risk. We do not make any representation or give any warranty (whether express or implied) in respect of the Website or its contents.
We do not accept any liability for damage to your computer system or loss of data that results from your use of the Website and we cannot guarantee that any files that you download are free from viruses, contamination or destructive features.
To the maximum extent permitted by applicable law, we hereby exclude all liability in contract, tort (including negligence), for breach of statutory duty or otherwise, for any loss or damage whatsoever arising out of or in connection with the use of the Website, or reliance upon the content of the Website (including, without limitation, any indirect, punitive or consequential loss or damages, or any loss of income, profits, goodwill or data). If liability cannot be excluded but may lawfully be limited, our liability for any such loss is hereby limited to £1,000.
Without limiting the foregoing, PensionDCisions does not accept any liability for any investment decisions made on the basis of any information provided to you on this Website. Past performance is not a guide to future returns. The information contained on this Website does not constitute financial advice and should not be relied on as such. Any decisions or action taken by you on the basis of information provided on or via the Website are at your sole discretion and risk and PensionDCisions would urge you to seek independent financial advice before proceeding with any investment. Nothing in these Terms restricts your statutory rights (including the right to receive a reasonable level of service).
Nothing in these Terms shall exclude or limit our liability for fraudulent misrepresentation or for death or personal injury resulting from our negligence or the negligence by us, our employees or agents.
Privacy: Any personally identifiable information submitted via the "Contact Us", "Survey" page or “Profile Me Button”, such as your name, address, telephone number or e-mail address, will be used only for the purposes of correspondence with you, and will be kept confidential by us. Visitors to our websites are tracked using Google Analytics.
Severance: If any provision of these Terms is found by a court or a regulatory body of competent jurisdiction to be invalid or unenforceable, the remaining provisions shall continue to apply in full force and effect.
Governing Law: Your use of the Website and any dispute arising out of its use or these Terms are subject to the laws of England and Wales (unless you are a Scottish resident, in which case you may choose the law of your residence). You agree to submit to the exclusive jurisdiction of the Courts of England and Wales (unless you are a Scottish resident or a resident of Northern Ireland in which case you may choose the courts of your place of residence).

We reserve the right to amend these Terms at any time. All such changes will take effect once they have been posted on the Website and you will be deemed to have accepted any such changes by your use of the Website from such time. If you do not accept the Terms currently in force, please discontinue your use of the Website immediately.

These Terms were last updated on 15th May 2007.

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Scheme Trustee