Terms of Use

This page sets out the terms of use of our website www.pensionswatch.com ("our site"). Where applicable, these should be read in conjunction with the terms and conditions within the NeXtStep® Service Agreement. For the avoidance of doubt where a user is a subscriber to NeXtStep®, the terms of the Service Agreement shall prevail. Please read these terms of use carefully before using our site. Please also check for changes from time to time.


1. Acceptance

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, please do not use our site; and
  • All proprietary rights in the material displayed shall remain the property of PensionsWatch Limited (“PensionsWatch”).

2. Accessing our site

We update our site regularly and may change material from time to time. Any material on our site may be out of date at any given time and we are under no obligation to update it.

We may suspend access to our site or close it indefinitely and we reserve the right to withdraw or amend the service we provide on our site without notice.

From time to time we may restrict access to some or all parts of our site, including access for NeXtStep® subscribers.

If you are provided with a password or any other 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 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. You are responsible for making all arrangements necessary for you to have access to our site and for ensuring that all persons who access our site through your internet connection are aware of these terms, and that they comply with them.


3. Limitations on use

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. All rights are reserved.

Free materials provided by this website may be reproduced free of charge in any format or medium, providing they are:

  • Not modified in any way
  • Not used out of context
  • Acknowledged as PensionsWatch copyright and the source is quoted and
  • Used solely for your personal reference or non-commercial internal reference within your company or organisation

You must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of material on our site must always be acknowledged and all relevant copyright laws abided by.

You must not use any part of the materials on our site for commercial purposes without obtaining a licence to do so from us or our licensors (with our prior consent).

If you print off, copy or download any part of our site in breach of these terms of use, your right (if any) to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

If you wish to make any use of material on our site other than that set out above, please address your request to michelle.bobrzyk@pensionswatch.com


4. Website content for general information only

The free materials provided by our site are not intended to amount to advice on which reliance should be placed. We disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of their content.


5. Information about you and your visits to our site

We do not collect personal information from visitors to our site.


6. Misuse of site

You must not misuse our site. Misuse includes but is not limited to 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 servers on which our site is hosted 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. Where there is a breach of the legislation including but not limited to a criminal offence under the Computer Misuse Act 1990, we will report any such breach to the relevant law enforcement authorities. We will co-operate 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.


7. Links to our site

You may link to our home page without our prior consent provided that it is in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link from any website that is not owned by you.

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 subject to our prior written consent.

We reserve the right to withdraw linking permission without notice.


8. Links from our site

Links on our site to other sites and resources provided by third parties 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.


9. Limitations on liability

The free materials available from our site are provided without any guarantees, conditions or warranties as to their accuracy. To the extent permitted by law, we and third parties connected to us hereby expressly exclude:

  • All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
  • Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it, including, without limitation any liability for:
    • Loss of income or revenue
    • Loss of business
    • Loss of profits or contracts
    • Loss of anticipated savings
    • Loss of data
    • Loss of goodwill
    • Wasted management or office time and
    • For any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above

This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.

We will not be liable if, for any reason, our site is unavailable at any time or for any period.

We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses 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 material posted on it, or on any website linked to it.


10. Jurisdicition and applicable law

The English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to our site although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country.

These terms of use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.


11. Variations

We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we make, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.


12. Queries

If you have any queries about material that appears on our site, please contact michelle.bobrzyk@pensionswatch.com