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Terms of Business

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All intellectual property rights, including copyright, in the content displayed on the Website (the “Content”) belong to the Annuity UK. All rights are hereby reserved and all trademarks acknowledged. Before using the Website it is your responsibility to read the Privacy Policy and to notify Annuity UK in the manner set out in the Privacy Policy if you do not want us to collect information about you.

Links to Third Parties

This Website contains links to other sites operated by third parties that are wholly separate from Annuity UK. Links to all third party sites can be identified because by clicking on them you will launch a new browser window that displays the third party’s site.

You acknowledge and agree that Annuity UK is not responsible for the availability of any third party sites or material you access through the Website and do not endorse and are not responsible or liable for any content, advertising, products or services on or available from such third party sites or material, nor for any damage, loss or offence caused by any content, advertising, products or service available on or available from third party sites or material.

Your dealing with any advertisers or merchants found on or via the Website including payment for any delivery of products, services and any terms, conditions, warranties or representations with such third parties are solely between you and such third party. You agree that Annuity UK is not liable for any loss or damage of any kind incurred as the result of any such dealings.

Liability and Disclaimer

The Content should only be used for your general information and not by way of a specific recommendation or financial advice or legal advice as every individual’s circumstances are different. Any quantitative information including annuity and drawdown rates is obtained from sources believed to be reliable. However, the accuracy and completeness of any information cannot be guaranteed and no warranty or representation is given and users must check all rates, conditions and details before finalising any arrangement. No liability can be accepted for any direct or consequential loss arising from the use or reliance upon this information.

Before taking any action or decision based on whole or in part on the Content, you should always make your own independent checks of any information that is important in making such decision or taking such action. You should also seek professional financial advice or professional legal advice in appropriate circumstances.

Annuity UK take all such steps as are reasonably necessary to provide a fast and reliable service, but exclude to the fullest extent permitted by law any liability for the security of the service on the Website or for any distribution of the Website however caused, loss or corruption of any Content in transit, or loss or corruption of any Content when downloaded onto any computer systems.

Annuity UK makes no representations or warranties of any kind whether expressed or implied as to the Content or the Website. Annuity UK make no representations or warranties about the accuracy, completeness or suitability for any purpose of the Content published on the Website or that defects will be corrected, or that the Website or the server that makes it available are free of viruses or other contamination. Any liability, however it occurs, for any such inaccuracies or errors, is expressly excluded save if and to the extent that they may not lawfully be excluded.

Annuity UK will not be liable for any claims, injuries, penalties, losses, costs or expenses, liabilities or damages arising from the use of, or inability to use the Website or Content or from any action taken, or omitted to be taken, as a result of using the Website or Content. To the fullest extent permitted by law you agree that Annuity UK will not be liable to you and/or any third party for any damages including, without limitation, consequential or incidental damages (including but not limited to lost profits, loss of privacy or for failure to fulfil any duty) or any other indirect, special or punitive damages whatsoever that arise out of or are related to the use of the Website or the Content.

Partner

Annuity UK introduces enquiries to financial service partner firms. You are required to refer to their terms and conditions in relation to any advice, products and services they may offer.

Where Annuity UK introduces an enquiry to our partner authorised firms, the operator may receive a payment direct from the partner authorised firm. This payment is not dependent on any services that you may receive.

By submitting any form by way of email or telephone originating from the Website you are not under any obligation or commitment to purchase any service through our partner authorised firm. The request for and provision of any quote or information does not represent an agreement to conduct business between the parties. Before conducting any business our partner firms require your or your agent’s written authorisation, agreement to the terms of business letter or terms and conditions and payment of fees where applicable.

Data Protection

Annuity UK shall comply with all applicable laws in the UK. For a description of how Annuity UK uses personal data you should refer to the Annuityuk.net privacy policy.


Governing Law

The use of the Website shall be governed by and construed in accordance with the laws of England and Wales and all parties hereby submit to the non-exclusive jurisdiction of the courts of England and Wales.


Changes to Terms

Annuity UK reserves the right to make changes to any part of the Website. Due to our policy of updating and improving the Website, it may be necessary to change the Terms. In the event that Annuity UK changes the Terms, Annuity UK will notify you by posting details of the changes on the Website.