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Terms & Conditions and Privacy Policy

Use of the Scottish Pensions (“we”, “us”, “Scottish Pensions”, “scottishpensionadvisers.co.uk”) website (“the site”, “the website”) constitutes acceptance of the Scottish Pensions website User Agreement (“the agreement”) and Terms of Use (“terms”). The user of the site (“you”) represent that you have read and understood these terms and agree to be bound by them. If you do not agree to all the terms and conditions on this page, please do not use this website. Use of any internal or external links on the Scottish Pensions website constitutes acceptance of the terms on this page. If you do not agree with these terms, please exit this site by closing the browser window.
The terms “Scottish Pensions” encompass the Scottish Pensions Internet Site and Marketing Communications.

Business address:

The Wheatsheaf, Speirs Wharf, Port Dundas, Glasgow, G4 9TJ
In order to use this site you must agree to be legally bound and to abide by the terms and to indemnify and hold the operators of the Scottish Pensions website harmless from all alleged or actual damages, claims and expenses relating to any warrant, guarantee or representations made by the individual service providers featured within this website or linked websites. This also includes, without limitation, solicitors’s fees. The use of this site for any reason is deemed to be an agreement of this condition.

Disclaimers

Bearing in mind that this is a free “public access” site, it is a condition of use of the site and the materials in it that use is at the user’s own risk. We give no representation or warranty as to the accuracy of the content of the site and assume no responsibility for errors or omissions in it or the effect it has upon your computer. We disclaim all liability in respect of such information and its provision. Neither Scottish Pensions nor any of the site’s administrators, editors or contributors shall be liable for any loss or damages suffered as a result of any use of the site, including but not limited to direct loss, consequential loss and loss of profits. We do not assume, and therefore disclaim, any liability for any loss or damage caused by errors or omissions.
Scottish Pensions is provided on an “as is” and “as available” basis. We shall not be liable for any direct, indirect, incidental, special, or consequential damages. This includes, without limitation and even if we are advised of the possibility thereof, any damages for loss of goodwill or any and all other commercial damages or losses including loss of profit, that result from the use of, or inability to use Scottish Pensions The user agrees not to rely on any information obtained from the v website and indemnifies us from mistakes, omissions, errors, interruptions, delays of service or performance, defects, harmful components, viruses and bugs, howsoever caused. It is the user’s duty to execute anti-contamination or virus software and ensure that any information, if contaminated or infected, will not damage the user’s information or system. The entire risk as to the use of the Scottish Pensions website is with the user. Scottish Pensions or its agents are not responsible or liable for telephone, network, ISP, electronic, computer or other communication problems or failures of any kind. Personal information sent to Scottish Pensions is at the sender’s own risk.

This independently owned website acts solely as an advertising and marketing vehicle to attract businesses for financial professionals and, as such, the owners, webmasters and marketing professionals of this website are unable to offer financial advice. Any information contained on the website does not form the basis of any contract. Business or financial decisions should not be based solely on the information contained within this website.

Indemnity

In order to use this site you must agree to be legally bound and to abide by the terms and to indemnify and hold the Scottish Pensions website harmless from all alleged or actual damages, claims and expenses relating to any warrant, guarantee or representations made by the individual merchants or linked sites. This also includes, without limitation, solicitors’s fees. The use of this site for any reason is deemed to be an agreement of this condition.

Availability of service

We do not warrant or guarantee that the Scottish Pensions website will be uninterrupted or error-free.

Links and site content

We do not make any warrant or guarantee, either expressed or implied as to the accuracy, validity, completeness, suitability, reliability, or currency of any information content within its site or sites to which it is linked to. Links to other websites are provided solely as a resource guide and do not represent an endorsement or guarantee, either expressed or implied. The Scottish Pensions website does not assume any liability for any of the products, services, or data of any other sites. The Scottish Pensions website is a facilitator of links to the content of other sites and as such has no editorial control over the content of such linked sites in the same manner that a public library has no control over the content of the books that it distributes. It is the responsibility of the user to evaluate the information, opinion, advice, or other content contained within the site. We cannot be held responsible or liable for any loss or damage due to reliance on information obtained through the Scottish Pensions website.

Information indemnity

The user agrees not to rely on any information obtained from the Scottish Pensions website and indemnifies us from mistakes, omissions, errors, interruptions, delays of service or performance, defects, harmful components, viruses and bugs, howsoever caused.

Severance

If a term, covenant, provision, or condition of this agreement becomes, or shall be held by any court of competent jurisdiction to be against public policy or illegal, all remaining provisions of this agreement shall remain in full force and effect and unaffected, impaired or invalidated by this decision. The invalidated item shall be modified by the parties to the full extent possible to carry out all the intentions and directives stated in this agreement.

Governing law

Any such contract will be interpreted, construed and enforced in all respects in accordance with the laws of Scotland, and you and v irrevocably submit to the non-exclusive jurisdiction of the Scottish Courts.
This agreement is governed by Scottish law and all disputes will be handled solely in the United Kingdom. Scottish Courts will have jurisdiction in respect of it. You consent to such venue and jurisdiction. The Scottish Pensions website is controlled and operated from offices in the Scotland and makes no representations or warranties that its content or use is legal in other locations.

Headings

Headings are for reading convenience only and are not to be used in the interpretation of this agreement.

Variation

Whilst it is not our intention to do so, the operators of the Scottish Pensions website reserves the right to change its policies and terms at any time. Any such changes will be posted on this page.

We do not assume, and therefore disclaim, any liability for any loss or damage caused by errors or omissions.

Scottish Pensions is not associated with other companies who own similar sounding names. If you do not agree to all the terms and conditions on this page, please do not use this website. Use of any internal or external links on the Scottish Pensions website constitutes acceptance of the terms on this page.

If you do not agree with these terms, please exit this site by closing the browser window.

Privacy Policy

By accessing the Website, you agree to be bound by these terms and conditions whenever you access the Website on any device. This Privacy Policy forms part of and is incorporated into our website Terms & Conditions

Any changes to this policy will be posted here. We reserve the right to vary this Privacy Policy from time to time and such changes shall become effective as soon as they

We are committed to protecting the personal information you give us and telling you how we use the information we gather about you

What Information do we collect from you?

We may collect information from you when you fill in an online Enquiry Form for any of the services available on our Website. We may also collect information you give us over the telephone. The type of information we will collect includes, for example, your name, address, email address, telephone numbers etc.

We collect information about your use of the Website and services it offers through “cookies”. For more information on “cookies” please see our Cookie Policy which forms part of this Privacy Policy.

How we ensure privacy is maintained

We endeavour to ensure that your data is stored securely and to prevent unauthorised access. We have security measures in place to protect your information which we monitor regularly. Unfortunately, despite our measures, because of the nature of the Internet, we cannot guarantee that your information will remain at all times 100% secure. The continuing efforts of hackers to defeat even the newest of security systems means that we can never make this promise.

We comply with the Data Protection Act 1998 and the Regulation of Investigatory Powers Act 2000 and all other legislation which governs the maintenance of privacy in your information.

Disclosing your information and your consent

By using the Website, you agree that we may disclose your personal information to Scottish Pensions.

On completion of our Enquiry Form we will share your details with our carefully selected panel of FCA regulated advisors, we will not make further use of your personal information for direct marketing activities, or supply this information to third parties for their direct marketing activities without your consent. 

We will comply with any court order requesting or requiring the disclosure of the identity or location of or any other information in relation to anyone who has accessed the Website and we may also disclose such information where we are advised by our lawyers that a court order would be granted requiring us to disclose it, even if no legal proceedings have been commenced in relation to the same.

We endeavour to prevent unauthorised disclosures of your personal information by other people, but we are not responsible for any unauthorised disclosures or other breaches of security or for the actions of others if the information was passed to them with your authority or with the authority of anybody other than us or our associated companies.

Data Protection Officer

Scottish Pensons is registered with the Information Commissioner’s Office and we have in place a Data Protection Officer who oversees compliance with current regulatory requirements. We take all precautions to keep your information private and secure, however, data transmission across the internet may not be secure and we cannot guarantee the security of data sent over the internet.

Google Analytics

This site uses Google Analytics to track user interaction. We use this data to determine the number of people using our site, to better understand how they find and use our web pages and to see their journey through the website.

Google Analytics records data such as your geographical location, device, internet browser and operating system, none of this information personally identifies you. Google Analytics also records your computer’s IP address which could be used to personally identify you but Google do not grant us access to this.

Disabling cookies on your internet browser will stop Google Analytics from tracking any part of your visit to pages within this website.

Read Google’s overview of privacy and safeguarding data Read Google Analytics use of cookies – Google’s developer guides

Cookie Policy

Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site. We may also use trusted third-party services that track this information on our behalf.

Most web browsers allow some control of most cookies through the browser settings. Every browser is different, look at your browser’s Help Menu to learn the correct way to modify your cookies. If you turn cookies off, some features may be disabled.

To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.aboutcookies.org or www.allaboutcookies.org.