Terms & Conditions

Use of the materials on our website (intellectual property rights)

All copyright and other intellectual property rights in any material (including text, photographs, images, and sound) on our website either belong to us or have been licensed to us by the respective rights owner(s) for our use on the website. These works are protected by copyright laws and international treaties. All rights are reserved.

You are prohibited from using any of our logos or content without our prior written consent.

You may print one copy and download excerpts of any page(s) from our website for personal use only. You must not modify printed or downloaded materials in any way. Additionally, you must not use illustrations, photographs, videos, audio sequences, or graphics independently from accompanying text. Always acknowledge us as the content authors.

You are only allowed to use the website and its materials in accordance with these terms and conditions. You must not use any part of our site's content for commercial purposes without obtaining a license from us or our licensors.

You may use our site exclusively for lawful purposes. Do not use our website in a manner that breaches any local, national, or international laws or regulations, or in any unlawful or fraudulent manner, or with any illegal or fraudulent intent or effect. Also, do not reproduce, duplicate, copy, or resell any part of our site in violation of our terms of website use.

You are entitled to reasonable use of the website.

Returns policy

Any lead advertised without a contact name, email, or telephone number will be replaced at no additional cost.

Disclaimer

The information provided on our website is for general informational purposes only. Nothing on our website should be considered personalised financial, investment, or professional advice, nor should it be construed as an offer or provision of such advice. Always seek advice from one of our qualified financial advisers before making any financial decisions.

While we strive to ensure the accuracy of all website content, we cannot guarantee its correctness. It is your responsibility to verify the accuracy, completeness, and currency of any such content. We are not liable to you or anyone else for any losses or damages resulting from the content provided on our website.

Website availability

We do not guarantee continuous or uninterrupted access to our website (or its content). We cannot guarantee that our website will be available at all times or without delays. You acknowledge the potential for interruptions to our website and certain services under specific circumstances, as determined by us. For instance, suspension may be necessary for technical, emergency, regulatory, or client protection reasons.

Our information technology systems

We do not guarantee the security or freedom from bugs or viruses of our website. You are responsible for configuring your own information technology, computer programs, and platform for accessing our website. Utilise your virus protection software.

You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs, or any other technologically harmful material. Do not attempt to gain unauthorized access to our website or any servers, computers, or databases associated with it. Do not conduct denial-of-service attacks on our site, as doing so would constitute a criminal offense under the Computer Misuse Act 1990.

We do not accept responsibility for losses resulting from the inability to view information due to pop-up blockers.

Linking to our website 

We occasionally permit links to third-party websites from our site. We hold no responsibility for the content of third-party websites. We do not control, maintain, or endorse these sites in any way.

We do not guarantee the accuracy of information within these links or linked sites. Accessing and using these third-party websites is entirely at your own risk and discretion. We are not liable for any losses or damages incurred by you or anyone else as a result of linking to third-party sites.

We allow and welcome links to any part of our website from other sites, provided it is done fairly and legally without damaging our reputation or exploiting it. We retain the right to withdraw linking permission without notice. Do not establish links that suggest any form of association, approval, or endorsement on our part where none exists. Our website should not be framed on any other site.

Users are not permitted to delete or alter any copyright, trademark, intellectual property, or other legal notices from any part of the website.

Any third-party sites or pages linked to our website have not been reviewed by us. We are not responsible for the authors or content of other sites or pages linked to or from our website, and we assume no responsibility or liability for any losses or penalties that may result from linking to any location or link sites.

Liability 

Please note that you are only allowed to use our website for personal, domestic use, and not for any commercial or business purposes.

Refer to the Disclaimer section of these terms, which states that we are not liable to you or anyone else for any losses or damages related to the accuracy of the content provided on our website.

We do not exclude or limit our liability to any user where doing so would be unlawful. Nothing in these terms shall exclude or limit liability for: a) death or personal injury resulting from our negligence or the negligence of our employees, agents, or subcontractors; b) fraud or fraudulent misrepresentation; or c) any duty we may have under the Financial Services and Markets Act 2000 or the Financial Conduct Authority's rules.

We assume no liability for:

• Loss of profit, revenue, business, business interruption, opportunity, or any indirect, special, or consequential loss.
• Your inability to access or use the website.

Further restrictions and exclusions will be detailed in the additional terms and conditions of sale applicable to the purchase of our service.

Our website may occasionally employ pop-up windows to display certain types of information and notices. Make sure to disable pop-up blockers in your browser when using our website. We are not responsible for any losses resulting from the inability to view information due to pop-up blockers.

Further Terms.

9.1. The Website includes a functionality whereby individuals complete an online questionnaire (the “Questionnaire”) which Pension Finder then uses the results from to introduce the individual with suggested financial advisers (the “Pension-Finder Service”). When providing the Pension Finder Service, FMA shall:

9.1.1. act impartially and only introduce you to wealth managers on the basis of (i) your answers to the Questionnaire, (ii) any other relevant information you provide to us and (iii) information provided to us by the wealth managers regarding the services they provide;

9.1.2. process your personal data (both terms as defined by applicable data protection laws) in accordance with our Privacy Policy.

9.2. When using the Pension-Finder Service, you acknowledge and agree that:

9.3.1. you shall complete the Questionnaire in good faith with a genuine intention of discussing your requirements with the wealth managers to whom we introduce you;

9.3.2. you shall provide, to the best of your knowledge, accurate answers to the Questionnaire;

9.3.3. you shall provide Pension Finder with reasonable responses to any queries Pension Finder may have in addition to the Questionnaire, including, but not limited to, queries relating to your answers to the Questionnaire and existing relationships you may have with wealth managers;

9.2.4. Pension Finder is an impartial and cost-free service for you to use. Fees are levied by us to wealth managers for the provision of client leads. These can include:

9.2.4.1. an annual fee for marketing services and infrastructure set-up;

9.2.4.2. an upfront payment for the provision of leads; and

and it is the responsibility of the wealth manager to disclose to you any fees they have paid to a third party in respect of their introduction to you;

9.2.5. Pension Finder is entitled to withdraw the provision of the Pension Finder Service at any time;

9.2.6. Pension Finder has no responsibility for any goods or services offered by the wealth managers to whom you are introduced or any other third party. Any information provided to you as part of the Pension Finder Service should be regarded as indicative only, and we cannot be held legally liable or responsible for the accuracy, completeness, and usefulness of the information or the actions taken or not taken as a result of the use of the Pension Finder Service by you. Use of the Pension Finder Service is entirely at your own risk;

9.2.7. Pension Finder is not responsible if a wealth manager decides not to accept your application to open an account with them;

9.2.8. Pension Finder is not providing you with financial, investment, or professional advice, either generally or in respect of a particular investment, and nothing on the pages of the Website shall be deemed to constitute the offer or provision of financial, investment, or other professional advice in any way; and

9.2.9. Pension Finder only promotes the services of suitably authorised and regulated wealth managers and does not itself, and will not, offer or provide any financial advice or carry on any other regulated activities as defined in The Financial Services and Markets Act 2000 (Regulated Activities) Order 2001.

9.3. We may also wish to provide you with information about special features of our Website, ask for your feedback, send a newsletter featuring content or any other information on a service or products we think may be of interest to you or other similar materials. As a user of the Website, you may be sent this information from time to time. Our business ethos is not to send spam emails to our users and we keep this to the bare minimum and always with the aim of providing the user with what we believe is genuinely interesting information. If you would rather not receive this information, please send an email entitled 'Marketing’ to info@pension-finder.com. If you agree to us providing you with marketing information, you can always opt out at a later date. All of our marketing emails feature an ‘unsubscribe’ function on the emails themselves.

Applicable laws and jurisdiction

These terms of use, their subject matter, and their formation are governed by English law. You and we both agree that the courts of England and Wales have exclusive jurisdiction. However, if you are a resident of Northern Ireland, you may also initiate proceedings in Northern Ireland, and if you are a resident of Scotland, you may also initiate proceedings in Scotland.