Terms & Conditions

Retirement Matters Ltd t/as http://www.retirement-matters.co.uk is a UK registered company no. 3867946, registered address: 191 Nevill Avenue, Hove, Sussex, BN3 7NG, UK.

In these terms & conditions Retirement Matters Ltd t/as www.retirement-matters.co.uk is referred to as ‘the website’ or ‘we’ or ‘us’ or ‘the Company’.  Access to & use of www.retirement-matters.co.uk both within the UK & internationally is provided by www.retirement-matters.co.uk on the following terms:

By using www.retirement-matters.co.uk you agree to be bound by these terms, which shall take effect immediately on your first use of www.retirement-matters.co.uk. If you do not agree to be bound by all of the following terms please do not access, use &/or contribute to www.retirement-matters.co.uk.  

www.retirement-matters.co.uk  may change these terms from time to time, so please check regularly; this also applies to our privacy statement.  Continued use of www.retirement-matters.co.uk will be deemed acceptance of updated or amended terms. If you do not agree to the changes, you should cease using this website.

You agree to use www.retirement-matters.co.uk only for lawful purposes & in a way that does not infringe the rights of, restrict or inhibit anyone else’s use & enjoyment of www.retirement-matters.co.uk. Prohibited behaviour includes harassing or causing distress or inconvenience to any person, transmitting obscene or offensive content or disrupting the normal flow of dialogue within www.retirement-matters.co.uk

All copyright, trade mark, design rights, patents & other intellectual property rights (registered & unregistered) in & on www.retirement-matters.co.uk & all content (including all applications) located on the site shall remain vested in www.retirement-matters.co.uk or its licensees (which includes other users). You may not copy, reproduce, re-publish, disassemble, recompile, decompose, reverse engineer, download, post, broadcast, transmit, make available to the public, or otherwise use www.retirement-matters.co.uk content in any way except for your own personal, non-commercial use. You also agree not to adapt, alter or create a derivative work from any www.retirement-matters.co.uk  content except for your own personal, non-commercial use. Any other use of www.retirement-matters.co.uk content requires the prior written permission of www.retirement-matters.co.uk

The names, images & logos identifying www.retirement-matters.co.uk or 3rd parties & their products & services are subject to copyright, design rights & trade mark of www.retirement-matters.co.uk &/or 3rd parties. Nothing contained in these terms shall be construed as conferring any licence or right to use any trade mark, design right or copyright of www.retirement-matters.co.uk or any other 3rd party.

PURCHASE OF GOODS OR SERVICES FROM 3RD PARTIES

We will use our reasonable endeavours to indicate whether goods or services which are advertised on www.retirement-matters.co.uk are being offered for sale by us or by a 3rd party. Goods are offered by a 3rd party (“3rd Party Goods”) where: 1. www.retirement-matters.co.uk contains a link to a 3rd party site where you may choose to purchase any goods or services offered for sale on that site (whether or not such goods or services are advertised on www.retirement-matters.co.uk); or 2. you may make an enquiry with us regarding goods or services offered by any 3rd party, we then pass that enquiry on to the relevant 3rd party, & you may subsequently decide to purchase such goods or services; or 3. www.retirement-matters.co.uk contains a catalogue or database of goods or services which you may choose to purchase. These goods or services will then be provided by the manufacturer or supplier indicated in the relevant catalogue/database entry; Where you choose to purchase 3rd Party Goods, the contract governing such purchase shall be between you & the relevant 3rd party & on the standard terms & conditions (if any) of such 3rd party for the purchase of such goods or services. In the case of 3rd Party Goods sold via a catalogue/database, as described in (iii) above, we will endeavour to include a link to the relevant suppliers terms & conditions of sale. You agree & acknowledge that you are solely responsible for evaluating 3rd Party Goods. You acknowledge any bookings or purchases of 3rd Party Goods made by you via www.retirement-matters.co.uk shall be subject to terms & conditions of the 3rd party supplying the goods &/or services concerned & that we will not be a party to or any way responsible for or liable to you in respect of any transactions between you & 3rd parties. We do not make any representations or warranties as to the security of any information (including, without limitation, credit card & other personal information) you might be requested to give to any 3rd party.

Contributions to www.retirement-matters.co.uk

By sharing any contribution (including text / photographs / graphics / video / audio) with www.retirement-matters.co.uk you agree to grant to www.retirement-matters.co.uk, free of charge, permission to use the material in any way it wants (including modifying & adapting it for operational & editorial reasons) for www.retirement-matters.co.uk services in any media worldwide (including on www.retirement-matters.co.uk site accessed by international users). In certain circumstances www.retirement-matters.co.uk may also share your contribution with trusted 3rd parties.  Please refer to our Privacy policy

Copyright in your contribution will remain with you & this permission is not exclusive, so you can continue to use the material in any way including allowing others to use it.

In order that www.retirement-matters.co.uk can use your contribution, you confirm that your contribution is your own original work, is not defamatory & does not infringe any UK laws, that you have the right to give www.retirement-matters.co.uk permission to use it for the purposes specified, & that you have the consent of anyone who is identifiable in your contribution or the consent of their parent / guardian if they are under 16.

We normally show your name or user-name with your contribution, but for operational reasons this is not always possible. For full details of when & how we may show  this or contact you please see the Privacy Policy, as amended from time to time.

Please do not endanger yourself or others, take any unnecessary risks or break any laws when creating content you may share with www.retirement-matters.co.uk.  www.retirement-matters.co.uk accepts no responsibility or liability for any damages or injury that may result from using or transmitting such information.

For submitting content / advertisements / links / editorial, please refer to our Advertising Terms & Conditions; your submission of such material will be deemed acceptance of the updated & / or amended terms

www.retirement-matters.co.uk  content,  including the information, names, images, pictures, logos & icons regarding or relating to www.retirement-matters.co.uk, it’s products & services (or to 3rd party products & services), is provided as seen on the website. To the extent permitted by law, www.retirement-matters.co.uk excludes all representations & warranties (whether express or implied by law), including the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security & accuracy. www.retirement-matters.co.uk does not guarantee the timeliness, completeness or performance of the website or any of the content; from time to time a fault may lead to the temporary unavailability of the website. The website may be adversely affected by conditions & performances outside our control, including, without limitation, transmission & telecommunications links between us & you & between us & other systems & networks.

We & / or our contributors / advertisers may make improvements & / or changes within www.retirement-matters.co.uk at any time.
If you do not want to grant www.retirement-matters.co.uk the permission set out above in these terms, please do not submit or share your contribution to or with www.retirement-matters.co.uk

www.retirement-matters.co.uk  contains hyperlinks / advertisements / content / editorial to other web sites. www.retirement-matters.co.uk does not accept responsibility for the availability of such external sites, & do not endorse & are not responsible or liable for any content, advertising, products or other materials on or available from such sites. You are solely responsible for evaluating any goods or services offered by us or 3rd parties via the website & that we will not be a party to or in any way responsible for any transactions between you & 3rd parties.

You are responsible for the security & proper use of all user names & passwords used from time to time in connection with www.retirement-matters.co.uk & should take all necessary steps to ensure that they are kept confidential, secure, used properly & not disclosed to unauthorised people.  Please advise immediately if there is any reason to believe that a user name or password has or is likely to become known to someone not authorised to use it or is being or is likely to be used in an unauthorised way. If you forget or lose a password or user name please contact us & satisfy such security checks as we may operate. We reserve the right to suspend user name & password access to www.retirement-matters.co.uk if at any time we consider that there is or is likely to be a breach of security. We reserve the right (in our sole discretion) to require you to change any or all of the passwords used by you in connection with www.retirement-matters.co.uk .  It is your responsibility to inform us of any changes to the information you supplied when registering on www.retirement-matters.co.uk. 

www.retirement-matters.co.uk makes available to you certain professional information provided by 3rd parties & this may include information relating to medicine, research, law, finance, care services, entertainment etc. Neither www.retirement-matters.co.uk nor any of its Directors, employees, agents, sponsors or advertisers makes any representation or warranty that the information given is relevant to you & is not responsible for the content, accuracy, completeness, legality, reliability or suitability of the information given. www.retirement-matters.co.uk recommends that you seek advice from a qualified professional in any of these fields & do not rely on the information given in this website to be specific or correct for you.  www.retirement-matters.co.uk is not authorised to advise re any financial or legal advice.

While we try to ensure that all content provided by www.retirement-matters.co.uk is correct at the time of publication, no responsibility is accepted by or on behalf of www.retirement-matters.co.uk for any errors, omissions or inaccurate content on the website.

Nothing in these terms limits or excludes www.retirement-matters.co.uk ’s liability for death or personal injury caused by its proven negligence. Subject to the previous sentence, www.retirement-matters.co.uk  shall not be liable for any of the following losses or damage (whether such damage or losses were foreseen, foreseeable, known or otherwise): (a) loss of data; (b) loss of revenue or anticipated profits; (c) loss of business; (d) loss of opportunity; (e) loss of goodwill or injury to reputation; (f) losses suffered by 3rd parties; or (g) any indirect, consequential, special or exemplary damages arising from the use of www.retirement-matters.co.uk regardless of the form of action.

www.retirement-matters.co.uk  does not warrant that functions available on www.retirement-matters.co.uk will be uninterrupted or error free, or that defects will be corrected, or that www.retirement-matters.co.uk or the server that makes it available are free of viruses or bugs. You acknowledge that it is your responsibility to implement sufficient procedures & virus checks (including anti-virus & other security checks) to satisfy your particular requirements for the accuracy of data input & output.

www.retirement-matters.co.uk  forum (to come)

In order to participate in & contribute to selected www.retirement-matters.co.uk forums you may be required to register with www.retirement-matters.co.uk. Any personal information supplied to www.retirement-matters.co.uk as part of this registration process &/or any other interaction with www.retirement-matters.co.uk will be collected, stored & used in accordance with the Privacy Policy.

You agree to use www.retirement-matters.co.uk  forums in accordance with the following rules.  Our aim is always for honesty & integrity.  These rules apply across all www.retirement-matters.co.uk services.

About your posts to forums:

Contributions must be civil , tasteful & relevant.
Not acceptable : unlawful or objectionable content; no advertising / promotion within a forum; multiple logins; inappropriate or offensive user names; impersonation, harassing, sexually oriented, defamatory, abusive, threatening, harmful, obscene, profane, disruptive posts, racially offensive or otherwise objectionable material is not acceptable.

Users of all ages & abilities may take part in the relevant www.retirement-matters.co.uk forum.

If under 16, please obtain permission of a parent/guardian – such permission will be assumed.

No spamming or off-topic material: we don’t allow the submission of the same or very similar contributions many times.
Please don’t re-submit your contribution to more than one discussion, or contribute off-topic material in subject-specific areas.
Please don’t submit content regarding plot developments which haven’t been transmitted on UK television – these will be deleted / not acceptable!

Contributions containing languages other than English may be removed unless allowed in the relevant forum.
URLs (web site addresses) can only be posted if allowed / relevant.

Deliberate misuse of the complaints facility is not permitted. If you persist in doing this, action may be taken against your account.
All accounts must be registered with a valid personal email address that you access regularly so that moderation emails can be sent to you. Accounts registered with someone else’s email address, or with temporary email addresses may be closed without notice. We may require users to re-validate their account from time to time if we believe they have been using an invalid email address.

www.retirement-matters.co.uk reserves the right to close accounts / decline contributions if any user is seen to be using proxy IPs (Internet Protocol addresses) in order to attempt to hide the use of multiple www.retirement-matters.co.uk accounts, or if a non-UK user pretends to be a UK user, or disrupts any of our services in any way.

We recommend that you never reveal any personal information about yourself or anyone else (for example: telephone number, postal address, home address or email address or any other details that would allow you to be personally identified) in any www.retirement-matters.co.uk forum.  Nor should you use www.retirement-matters.co.uk to arrange personal meetings.

Legal requirements:  You may not submit or share any defamatory or illegal material of any nature in www.retirement-matters.co.uk forums. This includes text, graphics, video, programs or audio.

Contributing material to a www.retirement-matters.co.uk forum with the intention of committing or promoting an illegal act is strictly prohibited.

You agree to submit to or share with www.retirement-matters.co.uk  forums only contributions which are your own original work. You must not violate, plagiarise, or infringe the rights of www.retirement-matters.co.uk or 3rd parties including copyright, trade mark, trade secrets, privacy, publicity, personal or proprietary rights.

Breach of these community / forum rules: If you fail to abide by these forum rules (&/or any variations made from time to time) when taking part in a www.retirement-matters.co.uk forum, you will be sent an email which informs you why your contribution has been refused or edited. This email will also include advice that continuing to break the rules may result in action being taken against your account(s)

This action may include any content posted by you being checked before allowed to go on the site or a temporary or permanent suspension of your ability to participate in any or all of www.retirement-matters.co.uk forum areas.

If you submit or share offensive or inappropriate content to or with any www.retirement-matters.co.uk forums or anywhere else on www.retirement-matters.co.uk or otherwise engage in any disruptive behaviour on www.retirement-matters.co.uk, & www.retirement-matters.co.uk  considers such behaviour to be serious & /or repeated, www.retirement-matters.co.uk may use whatever information that is available to it about you to stop any further such infringements. This may include informing relevant 3rd parties such as your server / email provider about the infringement(s).

The majority of content posted in www.retirement-matters.co.uk forums is created by members of the public. The views expressed are theirs & unless specifically stated are not those of www.retirement-matters.co.uk. www.retirement-matters.co.uk  does not accept responsibility for any content posted by members of the public on www.retirement-matters.co.uk or for the availability or content of any 3rd party sites that are accessible through www.retirement-matters.co.uk. Any links to 3rd party websites from www.retirement-matters.co.uk do not amount to any endorsement of that site by www.retirement-matters.co.uk  & any use of that site by you is at your own risk.

The failure or delay of www.retirement-matters.co.uk to exercise or enforce any right in these terms does not waive www.retirement-matters.co.uk ’s right to enforce that right.

These terms shall be governed by & interpreted in accordance with the laws of England & Wales which shall have exclusive jurisdiction over any disputes.

 Contacting Retirement Matters Ltd about these Terms & Conditions:

 Retirement Matters Ltd
., 191 Nevill Avenue, Hove, Sussex, BN3 7NG, UK

email: info@retirement-matters.co.uk


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