Website terms and conditions
1. INFORMATION ABOUT US
1.1 This Website is operated by Just Retirement (Holdings) Limited, a company registered in England and Wales under registration number 05078978 and whose registered address is Vale House, Roebuck Close, Bancroft Road, Reigate, Surrey RH2 7RU together with its subsidiaries.
The following companies are subsidiaries of Just Retirement (Holdings) Limited: Just Retirement Limited (Registered in England No. 05017193), Just Retirement Solutions Limited (Registered in England No. 05125701) and Just Retirement Management Services Limited (Registered in England No. 04682458) (together with Just Retirement (Holdings) Limited will be referred to as “Just Retirement”).
1.2 Just Retirement Limited and Just Retirement Solutions Limited are authorised and regulated by the Financial Services Authority.
2. TERMS GOVERNING YOUR USE OF THE WEBSITE
2.1 Your use of the Website constitutes acceptance of these Terms. If you do not agree to our Terms, you must not use the Website.
2.2 We reserve the right, at our discretion, to modify, add to or remove any of the Terms by updating this page at any time. You should check this page to ensure you are happy with any changes. Your use of the Website following any revision of these Terms constitutes your acceptance of those changes.
2.3 When you visit the Website, or send emails to us, you are communicating with us electronically and we will communicate with you by email or by posting notices on the Website. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. However any legal notification provided by you will not be valid unless it is posted by first class mail and addressed to the Legal Manager of Just Retirement at its registered address.
3. LICENCE GRANTED TO YOU
3.1 We grant you a non-exclusive licence to use the Website upon the Terms.
3.2 We may terminate this licence at any time if you are in breach of any of the Terms or otherwise at our absolute discretion.
4. COPYRIGHT AND TRADE MARKS
4.1 This Website contains material which is owned by or licensed to Just Retirement. This material includes, but is not limited to, the design, layout, look, appearance, graphics and any documents on the Website as well as any other content. It is protected by intellectual property laws including, but not limited to, copyright.
4.2 Unless otherwise stated, all rights in any information which appears on this Website (including the screen displays, the content, the text, graphics and look and feel of the Website) belong to Just Retirement or our licensors.
4.3 Unless specifically prohibited by a notice published on any page, you may print a copy of such parts of the pages of the Website as you may reasonably require for your own personal non-commercial use provided that any copy has attached to it the relevant proprietary notices and disclaimers.
4.4 All non-Just Retirement trademarks, service marks, company names or logos are the property of their respective holders. Any use by you of these marks, names and logos may constitute an infringement of the holders’ rights.
4.5 You may view, use, download and store the material on this Website (including any forms) for internal business use and any other permitted purpose that has been specified on the Website. Any other use is not permitted.
4.6 Unauthorised use of this Website may give rise to a claim for damages and/or be a criminal offence.
5.1 This Website is controlled and operated by us from the United Kingdom and is intended for United Kingdom residents over the age of 18 only.
5.2 We make no representation that any material contained on this Website is appropriate for any other jurisdiction. Should you choose to access this Website from any location other than the United Kingdom, you are responsible for compliance with all applicable local laws.
6.1 By entering this Website, you acknowledge and agree that the use of this Website is at your own risk and to the extent permissible by applicable law, in no circumstances, including (but not limited to) breach of contract or negligence, shall we be liable for any direct, indirect, incidental, special, consequential, or punitive damages, losses, costs or expenses nor for any loss of profit that results from the use of, or inability to use this site or any material on any site linked to this site (including but not limited to any viruses or any other errors or defects or failures in computer transmissions or network communications) even if we have been advised of the possibility of such damage. In addition, we are not liable for any changes made to the content of this site by unauthorised third parties. All express or implied warranties or representations are excluded to the fullest extent permissible by law. Just Retirement’s maximum aggregate liability to you for losses or damages suffered in respect of any claims arising from the use of the Website shall not exceed an aggregate sum of ten pounds GBP (£10.00).
6.2 Nothing on this Website shall be deemed to constitute financial or other advice.
6.3 Any software is downloaded at your own risk. If you are in any doubt as to the suitability of the software to be downloaded for your computer it is recommended that you obtain specialist advice before downloading it.
7. OTHER SITES
7.3 You may not create a link to this Website from another website or document without our express written permission.
8. CONTRACTING WITH US ONLINE
8.1 Nothing on this Website is intended to be nor should be construed as an offer to enter into a contractual relationship with you or anyone else, except for the Terms which govern the relationship between us in relation to your use of the Website.
8.2 If you make a contract with a third party which is named or referred to in this Website, it is your responsibility to ensure that you are happy with that contract and to take legal advice if necessary.
10. SITE AVAILABILITY
10.1 To the extent permitted by applicable law, we do not warrant that this Website will be available at any time.
11. ACCURACY OF INFORMATION
11.1 The information contained in this Website is based on up to date information and while we make all reasonable efforts to ensure that material on this Website is correct, current and complete at the date of publication, accuracy cannot be guaranteed. Just Retirement makes no warranties or representations (express or implied) as to the accuracy, currency or completeness of any information or material referred to on this Website.
12. FINANCIAL SERVICES AUTHORITY AND REDRESS
12.1 Nothing in this disclaimer shall exclude limit or restrict our responsibility to you under the Financial Services and Markets Act 2000 and any subsequent amending or replacement regulations or legislation which regulates the carrying out of investment or financial business in the United Kingdom or any conduct of business rules which we are bound to comply with.
13. COMPLETE AGREEMENT
13.1 These Terms contain all of the terms which govern your use of the Website.
14.1 If any part of these Terms are, at any time, found to be invalid by a court, tribunal or other forum of competent jurisdiction, or otherwise rendered unenforceable, that decision shall not invalidate or void the remainder of these Terms.
14.2 These Terms shall be deemed amended by modifying or severing such part as necessary to render them valid, legal and enforceable while preserving their intent, or if that is not possible, by substituting another provision that is valid, legal and enforceable that gives equivalent effect to the parties’ intent. Any such invalid or unenforceable part or parts shall be severable from these Terms, or the validity of the part(s) in question in any other jurisdiction shall not be affected thereby.
15. GOVERNING LAW
15.1 The formation, existence, construction, performance, validity in all aspects whatsoever of these Terms or any dispute in relation to the services or the materials contained in this Website shall be governed by the laws of England and Wales and the English courts shall have exclusive jurisdiction in any dispute.
16. COMPLAINTS OR QUERIES
16.1 If you wish to complain about any aspect of the service you have received from Just Retirement, you can contact us at:
Customer Service Manager
Just Retirement Limited
16.2 Just Retirement is covered by the Financial Ombudsman Service. This means that if we cannot resolve your complaint, you may ask the Financial Ombudsman to review it. You can visit their website at http://www.financial-ombudsman.org.uk/.
17. EU GENDER DIRECTIVE
17.1 Just Retirement complies with the EU Gender Directive by relying on data published by CMI (http://www.actuaries.org.uk/knowledge/cmi/gender).