iSIPP website terms of use

PLEASE READ THESE WEBSITE TERMS CAREFULLY BEFORE USING THIS SITE

1. What is in these terms?

These terms tell you the rules for using our website www.isipp.co.uk (our site).

Please note the following

If you are a member of our iSIPP, our relationship will also be governed by a further set of terms known as the iSIPP Terms and Conditions and related iSIPP documentation, which will be applicable from when you sign up to iSIPP, and which are amended from time to time.

Our site does not provide any advice or recommendations relating to investment, financial, legal, tax or any other type of pension advice or recommendation.

2. Who we are and how to contact us

www.isipp.co.uk is a site operated by iPensions Group Limited trading as iSIPP (“We”). We are registered in England and Wales under company number 03683070 and have our registered office at Second Floor, Marshall House 2 Park Ave, Sale M33 6HE.

We are authorised and regulated by the Financial Conduct Authority, Licence Number 464521.

We are a limited company.

To contact us, please email hello@isipp.co.uk  or telephone our customer service line on +44 (0) 161 972 2841.

3. By using our site you accept these terms

By using our site, you confirm that you accept these terms of use and that you agree to comply with them.

If you do not agree to these terms, you must not use our site.

We recommend that you print a copy of these terms for future reference.

4. There are other terms that may apply to you

These terms of use refer to the following additional terms, which also apply to your use of our site:

• Our Data Protection and Privacy Notification Policy. See further under the section, How we may use your personal information.
• Our Cookie Policy, which sets out information about the cookies on our site.

As stated above at section 1, if you do become a member and wish to use the services made available on this site, our iSIPP Terms and Conditions and related iSIPP documentation will apply to you as well.

5. We may make changes to these terms

We amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time. These terms were most recently updated on 8 November 2021

6. We may make changes to our site

We may update and change our site from time to time to reflect changes to our products, legislation, our users’ needs and our business priorities. We will try, where possible, to give you reasonable notice via our site of any major changes.

7. We may suspend or withdraw our site

Our site is made available free of charge.

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons. We will try, where possible, to give you reasonable notice via our website of any suspension or withdrawal.

You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

8. We may transfer this agreement to someone else

We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.

9. You must keep your account details safe

If you choose, or you are provided with, a username, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

We have the right to disable any username or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.

If you know or suspect that anyone other than you knows your username or password, you must promptly notify us at hello@isipp.co.uk  or telephone our customer service line on +44 (0) 161 972 2841.

10. How you may use material on our site

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Our site, its content and any documentation on it is protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy for your personal use only and may download extracts, of any page(s) from our site for your personal use.

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.

Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.

You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

11. Do not rely on information on this site

The content on our site, except in respect of services provided under our iSIPP Terms and Conditions, is provided for general information only. It is not intended to amount to advice on which you should rely. Nothing on the website is intended to constitute financial, investment, tax or professional advice.

If you are not sure about whether our product and services are right for you, or the implications of using them, you should take independent financial advice or other appropriate professional advice. Please note however that our product does not allow you to appoint a financial adviser to act on your behalf because it is an execution only arrangement which only takes instructions directly from you as its member.

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.

12. We are not responsible for websites and resources we link to

Where our site contains links to other sites and displays resources provided by third parties, these links and resources are provided for your information only. Such links and resources should not be interpreted as approval by us of those linked websites or information you may obtain from them.

We have no control over the contents of those sites or resources.

13. Our responsibility for loss or damage suffered by you

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

To the extent that we are legally able to do so, we exclude all conditions, warranties, representations or other terms which may apply to the site or any content on it, whether express or implied.

We will not be liable for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

• use of, or inability to use, the website;
• use of or reliance on any content displayed on the website.
• any defects, viruses and any other malfunctions caused to any equipment and other software in connection with access or use of this website
• the content of this website
• loss of data; or
• unauthorised use of a password.

Please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any products or services to you, which will be set out in our iSIPP Terms and Conditions.

14. How we may use your personal information

We will only use your personal information as set out in our https://www.isipp.co.uk/privacy-policy.

If you submit a testimonial to us using our testimonials survey form, then you agree that we may publish your testimonial, together with your name, on this website and on any successor website that we may operate from time to time, on such page and in such position as we may determine in our sole discretion. If you agree to share your photo by emailing it to hello@isipp.co.uk, you agree that we may publish it alongside your testimonial.

You further agree that we may edit the testimonial and publish edited or partial versions of the testimonial. However, we will never edit a testimonial in such a way as to create a misleading impression of your views. In accordance with our Data Protection Privacy Notification Policy, as linked above, you have the right to withdraw your consent to using your testimonial.

15. We are not responsible for viruses and you must not introduce them

We do not guarantee that our site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not 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. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

16. Rules about linking to our site

You must not establish a link to our site in any website whether owned by you or a third party and you must not establish a link or reference  in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

17. Which country’s laws apply to any disputes?

As a consumer, please note that 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 will have exclusive jurisdiction.

18. Our trademarks are registered

“IPENSIONS GROUP” ”IPENSIONSGROUP” and “ISIPP” are UK registered trademarks belonging to the iPensions group of companies. You are not permitted to use them without our approval, unless they are part of material you are using as permitted under section 10 above, How you may use material on our site.