Legal

Terms and conditions of business

Every website needs some legal text and protection not only for the website but also for its users. This is ours. In addition to our Terms of Business, which we set out here, you should also refer to our Privacy Policy and Cookie Policy.

We have tried to keep this information clear and concise, with no hidden terms and conditions. But, should you have any questions, please email us at info@pensionplaypen.com. We'll be happy to clarify any issue.

These terms govern the access and use of our website by each visitor (‘you’ or ‘your’). If you do not agree to be legally bound by these terms then you should not use our website.

Who we are

Pension PlayPen is the trading name of Pension Playpen Limited. Pension Playpen Limited is registered in England, No: 08440114 with Registered Address: 1 Chantry Close, Church Lane, Kingston, Cambridgeshire, England CB23 2NG

What we do

Our website and pension comparison technology has been designed to allow employers to learn more about workplace pensions and select the best available product from the leading UK pension providers.

You should receive the results of our comparison technology online. However, we rely on the availability of third parties and general performance of the worldwide web. At certain times some or all online quotes may not be available to you due to problems with third parties or the worldwide web. Wherever possible, we will try and notify you of this and email you to let you know when your quotes are ready.

Each product and service provider will have a different approach to the provision of their quotes and may not make quotes available for all of their products. Where you have expressed an interest in a product restricted by a product or service provider, we or the provider may contact you to assist further (provided that we or the provider continue to treat your data as confidential and comply with data protection legislation).

What we don't do

We do not provide financial, actuarial or investment advice in relation to any product or service included on our website, nor do we provide a recommendation or endorsement of product or service providers.

We do not control the price, length of offers, or special conditions relating to comparison quotes. These are set by product or service providers. Product and service providers' prices, rates and offer times are updated and amended on a regular basis so our comparisons are subject to change.

What we don't do

We do not provide financial, actuarial or investment advice in relation to any product or service included on our website, nor do we provide a recommendation or endorsement of product or service providers.

We do not control the price, length of offers, or special conditions relating to comparison quotes. These are set by product or service providers. Product and service providers' prices, rates and offer times are updated and amended on a regular basis so our comparisons are subject to change.

Your responsibilities

To provide you with information about the pension products most relevant to your needs, we need you to answer certain questions about your business and profile of the employees for whom a workplace pension is sought. You agree that we may collect, store, and use this information about you and your business in accordance with our Privacy Policy and you acknowledge and agree to be bound by the terms of our Privacy Policy, as amended from time to time.

The product or service providers formulate their quote based on the information you give us. It is therefore very important that this information is complete and accurate in all respects. We seek to ensure that we accurately pass on the information you have provided to the product or service provider for the purposes of receiving a quotation.

You agree that you will use our website only for your internal business purposes and that you will not use our website or reproduce or transmit any of its contents for any other commercial purpose without our specific written consent.

You agree to abide by all applicable laws, regulations and codes of conduct in force from time to time in respect of your use of our website. You will not do anything which affects the integrity or security of our website or causes or may cause harm, damage or unreasonable inconvenience to other users of our website.

Access to our website

Whilst we make every effort to ensure that our website is always available we are not able to promise that access to our website, or its content, will be delivered uninterrupted, in a timely manner or error-free. Similarly we do our best to keep our website free from viruses and other harmful properties but It is your responsibility to implement satisfactory safeguards and procedures to make sure any files you obtain through our website are free from such contaminations or other harmful properties.

If the need arises, we may, without notice, suspend access to our website. We reserve the right to amend the content of our website or to withdraw or amend the service we provide on our website without notice. We will not be liable if for any reason our website is unavailable at any time or for any period.

Forums

We encourage debate and the sharing of information between our users. However, we do require that your use of our forums is reasonable. You may not use the forums for any illegal purpose and in particular you will not:

• post material that infringes the intellectual property rights or other rights of others or post any material that is unlawful, obscene, libellous, threatening, harassing, abusive, hateful, or embarrassing to any other person as determined by us in our sole discretion

• post advertisements for or solicitations of business

• impersonate another person or disguise the IP address of the connection used to post any message

• post any files containing viruses or other harmful computer code

• harvest or otherwise collect or use information about others, including e-mail addresses, without their explicit consent

• allow any other person or entity to use your identification for posting or viewing comments

• post the same note more than once or 'spam'

• knowingly post untrue information about another person or business with the intention of harming their reputation or livelihood

• engage in any other conduct that restricts or inhibits any other person from using or enjoying these areas of our site, or which, in our judgment, exposes us to any liability or detriment of any type

• intentionally make false or misleading statements about investments, their price or their prospects. If you do, you may be committing a criminal offence

• post either intentionally or otherwise, any material that could have the effect of manipulating the market value of any investment. This may be a criminal offence

• give investment advice by way of business or make financial promotions.

Please note that any posting of information in these forums is the opinion of the person posting only and in no way reflects our opinions or attitudes. Sometimes messages are posted that are misleading, deceptive, or totally incorrect. You should not therefore rely on information being accurate or complete. If you do, you do so at your own risk.

We don't monitor the use of the forums so we do rely on you to inform us if you spot any abuse or inappropriate behaviour, in which case we will review specific postings. If you feel you have been threatened or damaged in our forums, or if you believe any infringement of your rights may have occurred through our website, please contact us at info@pensionplaypen.com

We reserve the right (but we are not obliged) to do any or all of the following:

• record the communications in forums

• remove, without notice, postings which are abusive, illegal, or disruptive, or that otherwise fail to conform with these Terms.

• terminate a user's access to post messages to any or all of these areas

• monitor, edit, or disclose any communication in these areas

• edit or remove any posting on our website, regardless of whether such communication(s) breaches these Terms

Any decision we make, to remove or request the removal of any communication or to terminate or suspend the posting privileges of any user of the forums, shall be final and binding.

If you are notified that your posting privileges have been suspended or terminated, you will not attempt to reregister as a user of the forums or make any posts on them in any guise whatsoever.

Third party content

Our ‘hubs’ display content that we did not write and we do not own. This content is the sole responsibility of the entity that makes it available to you. We may review all content to determine whether it is illegal or violates our policies, and we may remove or refuse to display content that we reasonably believe violates our policies or the law. But that does not necessarily mean that we will review all content, so please don’t assume that we do.

Advertising

Our website contains advertising content. Any such advertisers are solely responsible for ensuring that all material they include on our website is accurate and up to date and complies with all applicable laws, regulations and codes of practice. Please see these relevant advertisers' sites for any applicable privacy statements or other relevant terms and conditions.

General disclaimer

We provide the materials contained in our website for general information purposes only and include third party content and some journalistic comment which should be considered with regard to your own specific and personal circumstances. We provide our website in good faith but we can't and don't warrant the completeness, truth or accuracy of all the information or other content or postings found on our website, or their usefulness for any particular purpose.

You acknowledge and agree that you bear full responsibility for your own research and the decisions you take 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 our website. Please note, some information displayed might be date sensitive, or apply for only a period and can change over time due to legislative, legal, accounting, regulatory or other factors.

If you are in contact with any third party, any advice received or purchase made with a service or product provider is entirely at your own risk.

The information contained on our website sets out our understanding of any chosen subject matter at the time of first publication. It is not intended to constitute advice or guidance upon which you may rely and is not a substitute for professional, financial or tax advice based on your personal circumstances. All users are advised to seek independent professional advice before acting on anything contained in our factsheets or other material contained on our website.

The information is directed only at persons in the UK.

Exclusion of liability

Your use of our website, and of any links to third parties' sites, is at your sole risk. Neither Pension Playpen Limited nor First Actuarial nor any of our directors, employees or other representatives will be liable for any loss or damage arising out of or in connection with your use of our website or reliance on any information available on our website or any third party website linked to our website.

To the fullest extent permitted by law, this is a comprehensive exclusion of liability that applies to all damages of any kind, including without limitation compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and claims of third parties.

Notwithstanding the foregoing, none of the exclusions and limitations contained above affects any statutory rights you may have as a consumer or our liability for:

• death or personal injury resulting from our negligence or that of our employees or agents

• fraud or fraudulent misrepresentation

• any other matter which cannot be excluded or limited by law.

Indemnity

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 on our forums, any actions you take which disrupt access to and/or the functioning of our website, or any breach by you of your obligations under these Terms.

Changes to our Terms and Conditions

We may need to change, at any time and without notice, the content of these Terms and Conditions, which we will do by posting any changes to this page. Such revised Terms and Conditions will be effective immediately they are posted and you are expected to check this page from time to time to take notice of any changes. By continuing to use our website you are bound by all such revised Terms and Conditions.

Further Information

If you have any questions or concerns about material which appears on our website, please see the 'contact us' section or email us at info@pensionplaypen.com.

Complaints and Refunds

We hope that you will be offered a choice of workplace pensions through our website and be able to select one which is right for you. The Report and Certificate we provide is only given at the conclusion of this process and we feel confident that it will meet your expectations. We want you to be happy with the service we provide and so if you are not satisfied with this Report and Certificate for any reason please let us know as soon as possible, but in any event within 7 working days of receiving it. We will consider each case on its merits and give a full refund, where appropriate, within a further 5 working days of receiving your complaint.

For any query or request for refund please email us at info@pensionplaypen.com

This does not affect your statutory rights according to UK law.

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