Pension Forecast and pensionforecast.org.uk are trading names of Cleversquirrel Ltd (“we”, “us” or “our”).
By using our site you are agreeing to be bound by these Terms. If you don’t wish to be bound by what you read below, you shouldn’t use pensionforecast.org.uk.
We may make changes to these Terms at any time. We will let you know what these changes are by posting them to this page, but it is your responsibility as a user to make sure that you are aware of them, by checking for any changes on a regular basis. Changes will become effective as soon as they are posted. If you continue to use our site after the posting of changes to these Terms, it means that you accept any such changes.
What we do
This site is all about sharing information on money, primarily pensions. We provide regularly updated general information with our views on how to make the most of your money. The information that you read on this site is a great starting point for your further research into what suits your particular financial requirements.
What we don’t do
The information we provide does not address your individual requirements. In particular, our information does not constitute any form of advice, recommendation, representation, endorsement or arrangement by us and is not intended to be relied upon by you in making (or refraining from making) any specific investment or other decisions. If we mention companies on our site, we usually do so because of their attractive products and services. As general policy, we don’t vet them on customer service or investigate their solvency (how likely they are to go bust). Given that the impact of any information expressed on our site can vary widely based on your particular circumstances, you should always carry out your own research into the product or service that is of interest to you.
Our site does include details on, or links through to, information provided by other websites. We don’t control the accuracy or completeness of that information. You take full responsibility for using that information and verifying it and for any decision to use, purchase or refrain from purchasing any of the services or products mentioned on a linked site. If you do purchase products or services from another website please read their contract carefully before deciding to buy. Remember, your contract for those products or services will be with them, not us.
When you use other websites, any personal information you give them will be dealt with in line with their privacy polices, not ours, so please read the privacy policies of each and every such website before using them.
Some of the links included on our site are affiliated links. These are links which take you directly or indirectly to a financial product provider and which may result in us receiving a fee or commission as a consequence of you clicking through to their site or purchasing a product from them. However, our independence is paramount to us and our selection of links is not influenced by any fee/commission received by financial providers.
You are welcome to link to our site if you comply with the terms set out in this section and all applicable laws. Any site or service that links to our site:
- can display a pensionforecast.org.uk logo but mustn’t otherwise use any pensionforecast.org.uk trade marks without our written consent
- mustn’t remove, distort or otherwise alter the size or appearance of our logo
- mustn’t in any way imply that we are endorsing it or its products or services
- mustn’t misrepresent its relationship with us or present false information about us
- mustn’t be a site or service that infringes any intellectual property or other right of any person or that otherwise does not comply with all relevant laws and regulations
- mustn’t be a site or service that contains content that could be considered distasteful or offensive
If you breach these terms, then we have the right to require that your link is removed and to take whatever other action we think appropriate.
All of the content on our site is owned by us or our licensors and is protected by UK and international copyright laws.
The content on our site includes any information or other material found on pensionforecast.org.uk, including forums, articles, databases, graphics, software and all other features of our site. You are allowed to use our content for personal, non-commercial use only. You may make one copy of extracts from this site on any single computer for personal, individual use only, provided that all copyright and proprietary notices are kept intact. Apart from that, none of our content may be republished, posted, transmitted, stored, sold, distributed or modified without our prior written consent.
The trade marks, ‘pensionforecast.org.uk‘, ‘Cleversquirrel’, ‘cleversquirrel.com’ and ‘Brian Bennis’ together with Brian Bennis’ image are owned by Brian personally. All other brand names and trade marks that appear on this site are trademarks or trade names of their respective holders. No permission is given in respect of the use of any of these brands or marks and any such use may constitute an infringement of the holder’s rights.
Just so that you know, you own any copyright in the text that you post to our forums. However, when you post text, you expressly grant us a perpetual, unlimited free license to republish that text on our site and to redistribute/make available and/or sell that text in print or electronic form anywhere in the world as part of an edited compilation or otherwise.
Disclaimer of warranties and liability
We provide our site in good faith but we can’t and don’t warrant the completeness, truth or accuracy of the information or other content or postings found on our site, or their usefulness for any particular purpose. You acknowledge and agree that you bear full responsibility for your own financial research and decisions and that we shall not be liable for any action that you or others take or don’t take based on your use of or reliance on information provided by us or other users of this Site.
We don’t promise that your access to our site, or its content will be delivered uninterrupted, timely or error-free, or that the site will be free from viruses or other harmful properties. It is your responsibility to implement satisfactory safeguards and procedures to make sure any files you obtain through our site are free from such contaminations or other harmful properties.
The effect of what is set out here is that you agree that under no circumstances will we be held liable for any direct, indirect, incidental or other type loss or injury resulting from your use, or downloading of any content on our site.
You agree to indemnify, defend and hold harmless us, our directors, officers, employees and licensors from and against any claim, liability, cost, damage or loss we may incur (including reasonable legal fees) as a result of any material that you post or transmit on our communication forums or via our comms systems, any actions you take which disrupt access to and/or the functioning of our site or any breach by you of your obligations under these Terms.
If any of these provisions is deemed invalid, void or unenforceable that provision will be deemed severable from the rest and will not affect the validity and enforceability of any remaining provisions.
This site is directed to users in England and Wales only unless otherwise specified for specific items posted on this site.
These Terms shall be governed by the laws of England and any dispute between us will be resolved exclusively in the Courts of England.
The contents of this statement may be altered at any time, at our discretion.
Pension Forecast is part of Cleversquirrel Ltd. Registered Office: Westons Place, Warnham, West Sussex, RH12 3QQ. Registered in England & Wales with number 6732967. Registered with the Information Commissioner’s Office under the Data Protection Act 1998, registration number Z1555876.
If you have any questions about our site or these Terms, please write to Pension Forecast, Westons Place, Warnham, West Sussex, RH12 3QQ or use our contact us form.
Last updated: 19 June 2012