Website terms of use

This page (together with the documents referred to on it) tells you the terms of use on which you may make use of the website www.iwmps.com (the site). Please read these terms of use carefully before you start to use the site. 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 of use, please refrain from using our site.

Information about us

www.iwmps.com is a site operated by Hymans Robertson LLP ("we" or "us" or "our"). We are a limited liability partnership registered in England and Wales under LLP registration number OC310282 and have our registered office at One London Wall London EC2Y 5EA.

Accessing the site

Access to the site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on the site without notice (see below). We will not be liable if for any reason the site is unavailable at any time or for any period.

From time to time, we may restrict access to some parts of the site, or the entire site, to users who have registered with us.

When using the site, you must comply with the provisions of our acceptable use policy.

You are responsible for making all arrangements necessary for you to have access to the site. You are also responsible for ensuring that all persons who access the site through your internet connection are aware of these terms, and that they comply with them.

Intellectual property rights

We are the owner or the licensee of all intellectual property rights in the site, and in particular the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved. All material on this site has been produced for the benefit of the Trustee, or provided by the Trustee (whether via a third party or directly) for uploading on this site. The Trustee has approved the material on this site as appropriate for your use.

You may print off one copy, and may download extracts, of any page(s) from the site for your personal reference and you may draw the attention of others within your organisation to material posted on the site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and 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 the site must always be acknowledged.

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

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

Reliance on information posted

Commentary and other materials posted on the site are not intended to amount to advice on which reliance should be placed. The benefits quoted or displayed on this site are an estimate only, produced for information purposes and confer no entitlement to benefits. Payment of benefits is always subject to the rules of your pension Scheme. In particular, transfer value quotes are not guaranteed and if you wish to proceed with the transfer of your benefits please contact your administration team for a guaranteed transfer quote. Hymans Robertson LLP and the Trustee therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to the site, or by anyone who may be informed of any of its contents.

You accept that any modelling tool uses generic assumptions and does not take into account your own personal financial circumstances and therefore should not be relied upon by you. You acknowledge that any modelling tool is for illustrative purposes and is not a substitute for you obtaining independent financial advice. These assumptions are displayed on this website. You should not base your retirement decisions on the information contained in this site and we recommend that you obtain a full quotation and seek advise from a financial advisor before making retirement decisions.

Our site changes regularly

We aim to update the site regularly, and may change the content at any time. If the need arises, we may suspend access to the site, or close it indefinitely. Any of the material on the site may be out of date at any given time, and we are under no obligation to update such material.

Our liability

The material displayed on the site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies, third parties connected to us and the Trustee 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 the site or in connection with the use, inability to use, or results of the use of the 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.

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.

Viruses, hacking and other offences

You must not misuse the site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack the site via a denial-of-service attack or a distributed denial-of service attack.

By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the site will cease immediately.

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 the site or to your downloading of any material posted on it, or on any website linked to it.

Linking to the site

You may link to the home page, provided you do so in a way that is fair and legal and does not damage the reputations of Hymans Robertson LLP or the Trustee or take advantage of them, but 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.

The site must not be framed on any other site, nor may you create a link to any part of the site other than the home page. We reserve the right to withdraw linking permission without notice. The website from which you are linking must comply in all respects with the content standards set out in our acceptable use policy.

If you wish to make any use of material on the site other than that set out above, please address your request to [email protected]

Links from the site

Where the site contains links to other sites and resources provided by third parties, these links 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.

Jurisdiction 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 are governed by English law.

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 made, 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 the site.

Your concerns

If you have any concerns about material which appears on the site, please contact [email protected]

Thank you for visiting the site