This website is designed and optimised to be used with either the Chrome or Chromium web browsers. Other web browsers may inhibit full functionality.
All reasonable steps are taken to ensure the accuracy of any information placed on this website. However, we make no representations or give any warranties of any kind with respect to this site or its contents, and we disclaim all representations, except where fraudulently made, and warranties.
The aim of this website is to provide you with general information only and does not attempt to give you advice on any particular service or to recommend any particular solution. If you have any doubt as to whether a particular service, solution or investment is suitable for you, you should seek advice.
Where we have provided links to third party websites for further information, you should be aware that we are not responsible for the accuracy, availability or functionality of these sites, and thus cannot be held liable, directly or indirectly, for any loss however caused by your use of these linked sites.
Terms of website use
Investment & Retirement Solutions Ltd welcomes you to the www.investretire.co.uk website (our site). These terms of use together with our privacy policy set out the terms of use on which you may make use of our site. Please read these terms of use carefully before you start to use the site.
Use of our site includes accessing, browsing, or registering to use our site. Please read these terms of use carefully before you start to use our site. We recommend that you print a copy of these terms of use, or save a local copy, for your future reference.
By using our site, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our site.
If you have provided any personal details and those details subsequently change, you should notify us by emailing team@investretire.co.uk
Other applicable terms
Our Privacy Policy which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.
Information about us
Our site is a site operated by Investment & Retirement Solutions Ltd We are a private limited company registered in England and Wales. Our Registered Office and other contact details are available at www.investretire.co.uk/contact-us
Investment & Retirement Solutions Ltd is regulated and authorised by the Financial Conduct Authority (FCA), with Firm Reference Number (FRN) No 504345 on the FCA’s register.
Changes to our site
We may update our site from time to time, and may change the content at any time. However, please note that any of the content on our site may be out of date at any given time, and we are under no obligation to update it.
We do not guarantee that our site, or any content on it, will be free from errors or omissions.
Accessing 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. Access to our site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason our site is unavailable at any time or for any period. You are responsible for making all arrangements necessary for you to have access to our site.
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.
We may restrict access to some parts of our site and, from time to time, we may change the restricted areas or restrict access to the entire site.
If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these terms of use.
No reliance on information
The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site. For financial planning advice, please see your Investment & Retirement Solutions Ltd financial planner.
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.
Information about you and your visits to our site
All information received by us from you and/or your use of our site will be used in accordance with our privacy policy.
We respect the personal information provided by you. We will only transfer this information in accordance with our privacy policy and as may be required to provide services to you.
Intellectual Property Rights
Unless otherwise stated, we are the owner or the licensee of all copyright, trademarks and other intellectual property in all material on our site (including without limitation text, tools, photographs and graphical images). Those works are protected by copyright laws and other intellectual property rights. All such rights are reserved.
Nothing in our site shall confer on any person any license or right with respect to any such intellectual property. Invest Retire, pensionshareingexpert.co.uk nor Investment & Retirement Solutions Ltd names may not be used in any way, including in advertising or publicity pertaining to distribution of information without our prior written consent.
The images, logos and names on our site which identify Investment & Retirement Solutions Ltd or a provider of products or services from time to time are the proprietary marks of Investment & Retirement Solutions Ltd or the provider concerned. Nothing in our site shall confer on any person any license or right with respect to any such image, logo or name.
You are not permitted to download‚ print‚ redistribute or extract any information from our site other than for your personal‚ non-commercial use.
You are not permitted to reproduce‚ copy, redistribute, modify or in any way change any of the information available on our site.
If you print off, copy or download any part of our site in breach of these terms of use and/or your service agreement, as the case may be, your right to use our site and any related materials will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
You agree to indemnify and keep indemnified, us, our officers, directors, agents, licensors, successors and assigns against all liabilities, claims, losses, costs, damage and expenses including legal fees incurred by us should you breach any of the terms of this section (Intellectual Property Rights).
Limitation of our liability
Nothing in these terms of use excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.
To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our site or any content on it, whether express or implied.
We will not be liable to any user 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:
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.
We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any content on it, or on any website linked to it.
We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them. Please note that the terms of use of such websites may be different from our own.
Viruses
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 programs and platform in order 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 which 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 cooperate 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.
Linking to our site
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement without our express consent. You must not establish a link from any website that is not owned by you.
Subject to your right to make use of any web and/or RSS feeds that we may make available from time to time; our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page without our consent. We reserve the right to withdraw linking permission without notice.
If you wish to make any use of material on our site other than that set out above, please address your request to clientservice@berryandoak.com.
Links from our site
Where our site contains links to other sites and resources provided by our clients or other third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.
Miscellaneous
Nothing herein will be deemed to create a partnership or joint venture between us. Neither of us shall have the authority to bind the other or to contract in the name of or create a liability against the other in any way, for any purpose.
No failure or delay by either of us in exercising our rights pursuant to these terms of use will operate as a waiver of that right nor will any single or partial exercise by us or you of any right preclude any further exercise of any other right.
If any provision of these terms of use is found to be illegal, void or unenforceable by any court of competent jurisdiction, such invalidity shall not affect the validity of the remaining terms of our agreement.
In the event there is any conflict between any provisions of these terms of use and the service agreement between each member and us, the service agreement shall prevail.
A person who is not a party to our agreement has no right under the Contracts (Rights of Third Parties) Act 1999 to rely upon or enforce any term of our agreement but this does not affect any right or remedy of a third party which exists or is available apart from that Act.
Jurisdictions and applicable law
Please note that these terms of use, their subject matter and formation, are governed by English law. You and we both agree that the courts of England and Wales will have non-exclusive jurisdiction. However, if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.
If you are a business, these terms of use, their subject matter and formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.
Variations
We may revise these terms of use at any time by amending this page. Please check this page from time to time to take notice of any changes we have made, as they are binding on you.
Registering a complaint
If you wish to register a complaint, please write to the Compliance Director, Investment & Retirement Solutions Ltd, PO Box 899, Sowerby Bridge, HX1 9UU or contact us by phone: 0333 443 1066.
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman: www.financial-ombudsman.org.uk
Thank you for visiting our site.
Contact us
Please get in touch by contacting us at web_hello_8hr3@investretire.co.uk
Investment & Retirement Solutions Ltd is authorised and regulated by the Financial Conduct Authority
Registered in England & Wales (6884783) at Ransom Hall, Ransom Wood, Nottinghamshire, NG21 0HJ
