1  ABOUT OUR TERMS

1.1  These terms and conditions of use (“Terms”) explain how you may use this website and any of its content (“Site”). These Terms apply between Pensions for Purpose Limited (we, us or our) and you, the person accessing or using the Site (you or your).

1.2  You should read these Terms carefully before using the Site. By using the Site or otherwise indicating your consent, you agree to be bound by these Terms. If you do not agree with any of these Terms, you should stop using the Site immediately.

1.3  This Site is directed to:

1.3.1  those living and working in the United Kingdom. Content posted on the Site may not be appropriate for use outside of the United Kingdom; and

1.3.2  investment professionals, and is not directed toward consumers and retail investors.

1.4  If you become a member of Pensions for Purpose, separate terms and conditions will apply, as referenced in your membership proposal.

1.5  For information about how we process personal data collected in connection with your use of the Site, please see our privacy policy, available at https://www.pensionsforpurpose.com/privacy.html (“Privacy and Cookies Policy”)..

2  ABOUT US

2.1  We are Pensions for Purpose Limited, a company registered in England and Wales under company registration number 13092445. Our registered office is at C/O Freeths LLP, Routeco Business Park, Davy Avenue, Knowlhill, Milton Keynes, MK5 8HJ, United Kingdom. Our VAT registration number is 371810114.

2.2  If you have any questions about the Site, please contact us by:

2.2.1  sending an email to [email protected]; or

2.2.2  filling out and submitting the online form available here.

3  USING THE SITE

3.1  The Site is for your use only.

3.2  You agree that you are solely responsible for all costs and expenses you may incur in relation to your use of the Site.

3.3  We make no promise that the Site is appropriate or available for use in locations outside of the UK. If you choose to access the Site from locations outside the UK, you acknowledge you do so at your own initiative and are responsible for compliance with local laws where they apply.

3.4  We try to make the Site as accessible as possible. If you have any difficulties using the Site, please contact us using the contact details at the top of this page.

3.5  As a condition of your use of the Site, you agree not to:

3.5.1  breach our acceptable use policy or content rules (“Rules”), which are available at https://www.pensionsforpurpose.com/Acceptable-Use-Policy-and-Content-Rules.html;

3.5.2   misuse or attack our Site by knowingly introducing viruses, trojans, worms, logic bombs or any other material which is malicious or technologically harmful (such as by way of a denial-of-service attack), or

3.5.3  attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site.

3.6  We may prevent or suspend your access to the Site if you do not comply with these Terms or any applicable law.

4  MEMBERSHIP

4.1  Certain parts of the Site are only accessible to our members, and only certain categories of members may request that content is posted on the Site.

4.2  We may accept or reject applications for membership at our absolute discretion.

4.3  If you are interested in membership, please click here.

5   REGISTRATION AND PASSWORD SECURITY

5.1  Use of the Site may require registration, particularly in order to access restricted areas of the Site.

5.2  We are not obliged to permit anyone to register with the Site and we may refuse, terminate or suspend registration to anyone at any time.

5.3  You must ensure that your password and any other account details are kept secure and confidential.

5.4  If we have reason to believe there is likely to be a breach of security or misuse of the Site through your account or the use of your password, we may notify you and require you to change your password, or we may suspend or terminate your account.

6  INFRINGING CONTENT

6.1  We will use reasonable efforts to:

6.1.1  delete accounts which are being used in an inappropriate manner or in breach of these Terms; and

6.1.2  identify and remove any content that is inappropriate, defamatory, infringes intellectual property rights or is otherwise in breach of our Rules,

when we are notified, but we cannot be responsible if you have failed to provide us with the relevant information.

6.2  If you believe that any content which is distributed or published by the Site is inappropriate, defamatory or infringing on intellectual property rights, you should contact us immediately using the contact details at the top of this page.

7  OWNERSHIP, USE AND INTELLECTUAL PROPERTY RIGHTS

7.1  The intellectual property rights in the Site and in any text, images, video, audio or other multimedia content, software or other information or material submitted to or accessible from the Site (“Content”) are owned by us or our members and may not be reproduced or copied without our express consent.

7.2  We and our members reserve all our intellectual property rights (including, but not limited to, all copyright, trade marks, domain names, design rights, database rights, patents and all other intellectual property rights of any kind) whether registered or unregistered anywhere in the world. This means, for example, that we remain owners of them and are free to use them as we see fit.

7.3  Nothing in these Terms grants you any legal rights in the Site or the Content other than as necessary for you to access it, or as set out in the remainder of this clause 7. You agree not to adjust, try to circumvent or delete any notices contained on the Site or the Content (including any intellectual property notices) and in particular, in any digital rights or other security technology embedded or contained within the Site or the Content.

7.4  You may print off one copy, and may download extracts, of Content for your own use, and you may draw the attention of others within your organisation to Content via a hyperlink.

7.5  You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

7.6  You must acknowledge us, and the identified contributor of the Content (if any), as the authors of the Content.

7.7  You must not use our trade marks without our approval, unless they form part of the Content which you are reproducing in accordance with this clause 7.

8  SUBMITTING INFORMATION TO THE SITE

8.1  While we try to make sure that the Site is secure, we do not actively monitor or check whether information supplied to us through the Site is confidential, commercially sensitive or valuable.

8.2  Other than any personal information which will be dealt with in accordance with our Privacy Policy, we do not guarantee that information supplied to us through the Site will be kept confidential,

9  ACCURACY OF INFORMATION AND AVAILABILITY OF THE SITE

9.1  We try to make sure that the Site is accurate, up-to-date and free from bugs, but we cannot promise that it will be. Furthermore, we cannot promise that the Site will be fit or suitable for any purpose. Any reliance that you may place on the information on the Site is at your own risk.

9.2  We may suspend or terminate access or operation of the Site at any time as we see fit.

9.3  Any Content is provided for your general information purposes only and to inform you about us, our members and our or our members’ products and news, features, services and other websites that may be of interest, but has not been tailored to your specific requirements or circumstances. It does not constitute technical, financial or legal advice or any other type of advice and should not be relied on for any purposes. You should always use your own independent judgment when using our Site and its Content.

9.4  We do not review Content contributed by our members for accuracy.

9.5  While we try to make sure that the Site is available for your use, we do not promise that the Site will be available at all times or that your use of the Site will be uninterrupted.

10  USER GENERATED CONTENT

10.1  Where users are able to post Content directly to our Site (e.g. chat rooms, bulletin boards, or other user to user interactive features) (“Interactive Features”), such Content is not approved by us. The views expressed by other users on our site do not represent our views or values.

10.2  We will assess risk of Interactive Features, and implement a level of moderation that we consider suitable in light of the risks presented by that Interactive Feature. However, we are under no obligation to monitor or moderate an Interactive Service.

11  SECURITY

11.1  You are solely responsible for the security of any device on which you access this Site, including configuring it securely and installing anti-malware software.

11.2  We cannot guarantee that our Site will be secure or free from bugs or viruses.

12  HYPERLINKS AND THIRD PARTY SITES

The Site may contain hyperlinks or references to third party advertising and websites other than the Site. Any such hyperlinks or references are provided for your convenience only. We have no control over third party advertising or websites and accept no legal responsibility for any content, material or information contained in them. The display of any hyperlink and reference to any third party advertising or website does not mean that we endorse that third party's website, products or services. Your use of a third party site may be governed by the terms and conditions of that third-party site and is at your own risk.

13  LINKING TO OUR SITE

13.1  You may link to our Site, provided that the page from which you link is lawful, and does not damage our reputation, bring us into disrepute, or imply any kind of partnership or endorsement (unless otherwise explicitly agreed with us in writing).

13.2  You must not frame our Site.

13.3  The page and website from which you link to our Site must comply with our Rules.

14  OUR RESPONSIBILITY TO YOU

14.1  If we breach these Terms or are negligent, we are liable to you for direct loss or damage that you suffer as a result, up to a maximum of £10 (ten British pounds sterling).

14.2  We are not liable to you for any:

14.2.1  loss of profits, revenue, anticipated savings, opportunity, management time, reputation or goodwill;

14.2.2  loss, destruction or corruption of data;

14.2.3  loss or damage not caused by our breach or negligence;

14.2.4  loss of use of the Site;

14.2.5  loss resulting from use of an Interactive Service, by you or another; and

14.2.6  loss resulting from your reliance on Content.

14.3  Nothing in these terms excludes or limits our liability for any death or personal injury caused by our negligence, liability for fraud or fraudulent misrepresentation, or any other liability that the law does not allow us to exclude or limit.

15  EVENTS BEYOND OUR CONTROL

We are not liable to you if we fail to comply with these Terms because of circumstances beyond our reasonable control.

16  NO THIRD PARTY RIGHTS

No one other than us or you has any right to enforce any of these Terms.

17  VARIATION

17.1  No changes to these Terms are valid or have any effect unless agreed by us in writing or made in accordance with this clause 17.

17.2  We reserve the right to vary these Terms from time to time. Our updated Terms will be displayed on the Site and by continuing to use and access the Site following such changes, you agree to be bound by any variation made by us. It is your responsibility to check these Terms from time to time to verify such variations.

18  COMPLAINTS

18.1  We will try to resolve any disputes with you quickly and efficiently. If you are unhappy with us, please contact us as soon as possible using the contact details set out at the top of this page.

18.2  The laws of England and Wales apply to these Terms, and any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

V3, last updated 28 February 2024.