Please take time to read these terms and conditions and the data-protection policy before using this website.

The following terms and conditions govern your use of this website. They are a legally binding agreement between you and Investment Solutions Limited and Investment Solutions Fund Managers Limited ("Investment Solutions ", "we", "us", "our"), the website providers. By continuing with this site, you are agreeing to accept these terms and conditions. If you choose not to accept any of these terms and conditions you should not continue to use this site.

We recommend you read these pages whenever you visit the website as we may, without prior notice to you, change any content on this website and the terms and conditions under which the website is used.

This website is designed for employers and trustees of company pension schemes and the members of those pension schemes. Investment Solutions provides defined-contribution (DC) pension services for employers through intermediaries. The company does not directly provide pensions for individuals.

As Investment Solutions’ services and products are only available in the UK, this website is intended for UK residents only. If you are not a UK resident, please do not proceed to use this website.

The information given on this website should not be regarded as giving advice in any way. Individuals seeking advice about their pension options should contact an Independent Financial Adviser who may charge a fee. The information on this website should not be regarded as an offer, solicitation, invitation or recommendation to buy or sell any investments, services or products supplied by Investment Solutions, the Alexander Forbes Group or any other issuer.

These terms and conditions provide you with a non-exclusive licence to access the website. Investment Solutions reserves the right to revoke this licence at any time and to withdraw access to the website, or any part of it, at any time or for any purpose the company deems reasonable, without notice. The availability of the website is at Investment Solutions’ discretion.

The terms and conditions apply to all your access to information on this website.

They govern all your access to information provided by Investment Solutions on the website, including information you provide to the company and facilities it offers via the website, and also all materials and services made available from time to time on the website excluding third-party websites linked from the website whether viewed on screen or downloaded to another computer.

It is your sole responsibility to install, configure, maintain and obtain licences for any software required to use and access this website and for you to ensure this software is operating properly.

These terms and conditions are governed by English law and any dispute shall be subject to the jurisdiction of the English courts.

Investment Solutions reserves the right at any time and without notice to remove, amend or vary any content on any page of this website, including any terms and conditions.

Changes to the terms and conditions will be posted on this website. By continuing to use this website after any such changes, you are agreeing to abide by the revised conditions.

While Investment Solutions aims to ensure the content of this site is accurate, current and complete, the company does not accept liability for any errors or omissions, or for the content becoming out of date. It is therefore recommended that you confirm accuracy of the content before relying on such information.

On this website you may be offered hyperlinks to other websites you may be interested in. Investment Solutions provides these links for your information only and does not accept any responsibility for the content of those websites (please see the Disclaimer section of these terms and conditions below). The owners of any such linked websites do not necessarily have any link, commercial or otherwise, with Investment Solutions or the Alexander Forbes group.

All content on this website, including but not limited to, all information, materials, services, text, graphics, links and sounds are the property of Investment Solutions, the Alexander Forbes group or its licensors and are subject to copyright with all rights reserved.

You may download or print content or individual sections or pages of the website for personal use and information only, provided you retain all copyright and other proprietary notices.

All other marks, names and logos used on this website (unless otherwise stated) are the intellectual property rights held by companies within the Alexander Forbes group.

In relation to any information or materials you submit to Investment Solutions using this website, you grant to Investment Solutions a worldwide royalty-free perpetual licence of the copyright and intellectual property rights in such information or materials for any purpose it deems including, without limitation, the copying, transmission, distribution and publication thereof, unless restricted by applicable law.

You agree that Investment Solutions shall not be under any obligation of confidentiality to you regarding any such information or materials submitted to it using this website unless agreed otherwise in a separate direct contract between you and the company or required by law.

You acknowledge that the contents of the foregoing provisions shall not limit any specific provisions set out in the individual terms and conditions of particular products and services offered on or through this website.

You agree not to use this website or to allow another person to use this website

	To reproduce (in whole or in part), modify, de-compile, disassemble or transmit or use for any commercial purpose any content or part of the website without the prior written consent of Investment Solutions
	To encourage other websites to frame or hypertext link direct to this website or the content, without Investment Solutions’ prior written consent
	To introduce a software virus or other disruptive program or perform any act that would cause the website to become unavailable for use by others

Investment Solutions reserves the right to suspend the provision of all or any part of the website and/or to remove any emails or other postings, or content of any user it has reason to believe has misused the website, is likely to misuse the website or that any third party has cause to believe or complain of the same.

Investment Solutions treats all the information you provide with the utmost care and security. This is outlined in the data-protection policy, which you should read with these terms and conditions.

You agree that any information relating to you, collected by Investment Solutions from this website may be used, disclosed and transferred for such purposes and to such persons as may be in accordance with its data-protection policy

Any calls to Investment Solutions may be recorded or monitored for security, and to help the company to develop its service.

While Investment Solutions has taken all reasonable steps to ensure the information contained within the pages on the website is accurate, current and complies with all the relevant legislation and regulations at the date of issue, no warranty or representation of any kind regarding the accuracy of or completeness of the website’s content can be provided.

The content on this website is for information only and should not be used to make investment decisions.

Geographic, political, economic, statistical, financial and exchange-rate data is presented in certain cases in approximate or summary or simplified form and may change over time. Reliance has been placed by the authors of this website on certain external statistical data which, though believed to be correct, may not be accurate.

Investment Solutions accepts no liability and will not be liable (to the fullest extent permitted by applicable law) for any loss or damage arising directly or indirectly (including special, incidental or consequential loss or damage) from your use of this website, for whatever reason, including any loss, damage or expense arising from, but not limited to, any defect, error, imperfection, fault, mistake, omission or inaccuracy with this website, its contents or associated services, or due to any unavailability of the website or any part thereof or any contents or associated services.

Although Investment Solutions will use reasonable endeavours within its control to protect its systems using virus-checking software, any content downloaded from this website is at your own risk. Investment Solutions neither assumes nor accepts liability for any loss or damage (direct or indirect), however it was caused, as a result of any computer viruses, Trojan horses, worms, software bombs or other damaging items resulting from your use of the website.

Any hyperlinks from this website exist for information purposes and are for your convenience only. Investment Solutions accepts no liability (to the extent permitted by applicable law) for any loss or damage arising directly or indirectly (including consequential loss) from the accuracy or otherwise of materials or information contained on the pages of such websites or loss arising directly or indirectly from defects with such websites. Investment Solutions’ inclusion of hyperlinks does not imply any endorsement of the material on such websites.

As email transmission relies on third-party suppliers outside Investment Solutions ’ control, the company cannot guarantee that any emails from the website will be sent to you or received by Investment Solutions, nor does the company warrant the privacy and/or security of such emails during internet transmission.

You hereby agree to indemnify and to keep Investment Solutions fully and effectively indemnified (to the fullest extent permitted by law) from and against any action, demand, liability, cost, claim, loss, damage, proceeding or expense (including legal fees, costs and expenses on a full indemnity basis) suffered or incurred by the company arising from or which is directly or indirectly related to:

	Your use of the website and the foregoing shall include (but not be limited to) any claim of defamation, libel, slander, obscenity, invasion of privacy or any allegation thereof or infringement or alleged infringement of copyright, trade mark, moral right or patent or of obligations of confidence or any other claims anywhere in the world brought by third parties or any failure by you to meet any third-party obligations
	Any breach or non-observance of any of these online terms and conditions by you
	Any of your actions that are inconsistent with, or are in breach of, your obligations under these terms and conditions, any relevant national or international laws or regulations, or arising out of your gross negligence
	The lawful provision of the website to you or to your contractual or other arrangements with third parties relating to these terms and conditions that are brought or threatened against Investment Solutions by any other person

Investment Solutions is entitled on any breach of these terms and conditions by you (or in its reasonable opinion a breach is about to occur) to terminate this agreement, your access to the site and use of its Internet services at any time, with or without cause or notice.

Investment Solutions Limited and Investment Solutions Fund Managers Limited are authorised and regulated by the Financial Services Authority.

Investment Solutions Limited is a subsidiary of Alexander Forbes Limited, and is registered in England and Wales, registered number 3104978, having its registered office at 5th Floor, Leon House, 233 High Street, Croydon, Surrey CR9 9AF.

Investment Solutions Fund Managers Limited is a subsidiary of Alexander Forbes Limited, and is registered in England and Wales, registered number 842763, having its registered office at 5th Floor, Leon House, 233 High Street, Croydon, Surrey CR9 9AF.