Terms & conditions

UNDERSTANDING THE SERVICES AVAILABLE ON THIS WEBSITE

THE SERVICES AVAILABLE ON THIS WEBSITE ARE AN ANALYSIS OF THE ANNUAL MANAGEMENT CHARGES MADE BY YOUR EXISTING PENSION SCHEMES THROUGH A COMPUTER BASED ALGORITHM FOR YOUR INFORMATION AND TEMPLATES FOR YOU TO COMMUNICATE WITH YOUR EXISTING PENSION PROVIDERS.  THIS WEBSITE DOES NOT AND ZIPPEN DOES NOT RECOMMEND THAT YOU CONSOLIDATE YOUR EXISTING PENSION SCHEMES OR TAKE ANY ACTION IN RELATION TO THEM.

THE SERVICES AVAILABLE ON THIS WEBSITE DO NOT MAKE ANY ANALYSIS OF THE PAST OR FUTURE PERFORMANCE OF YOUR EXISTING PENSION SCHEMES OR THE INVESTMENTS IN THOSE SCHEMES.

THIS WEBSITE DOES NOT AND ZIPPEN DOES NOT AND WILL NOT PROVIDE ANY ADVICE OR RECOMMENDATION IN RELATION TO YOUR EXISTING PENSION SCHEMES OR WHAT YOU MIGHT DECIDE TO DO WITH THEM.

IF YOU REQUIRE MORE THAN INFORMATION ON THE ANNUAL MANAGEMENT CHARGES MADE BY YOUR EXISTING PENSION SCHEMES, INCLUDING ANALYSIS OF THE PAST OR FUTURE PERFORMANCE OF YOUR EXISTING PENSION SCHEMES OR THE INVESTMENTS IN THOSE SCHEMES, OR REQUIRE ADVICE AND/OR RECOMMENDATIONS IN RELATION TO YOUR EXISTING PENSION SCHEMES AND WHAT YOU MIGHT DO WITH THEM, YOU MUST DISCONTINUE THE PROCESS NOW OR CLICK THE "CANCEL" BUTTON BELOW AND SHOULD CONSULT AN INDEPENDENT FINANCIAL ADVISER.

PLEASE READ CAREFULLY BEFORE ENTERING YOUR PENSION INFORMATION INTO THIS WEBSITE

This agreement (Agreement) is a legal Agreement between you (you) and Consolidatemypensions.com Ltd Trading As Zippen of Clockhouse Court, 5-7 London Road, St Albans, AL1 1LA (Zippen, us or we) for the services specified in clause 1 below.

IMPORTANT NOTICE TO ALL USERS:
BY ENTERING DATA INTO THIS WEBSITE OR CLICKING ON THE “ACCEPT” BUTTON BELOW YOU AGREE TO THE TERMS OF THIS AGREEMENT WHICH WILL BIND YOU.  THE TERMS OF THIS AGREEMENT INCLUDE, IN PARTICULAR, LIMITATIONS ON LIABILITY IN CLAUSE 7.

IF YOU DO NOT AGREE TO THE TERMS OF THIS AGREEMENT, WE WILL NOT PROVIDE ANY INFORMATION TO YOU AND YOU MUST DISCONTINUE THE PROCESS NOW OR CLICK THE “CANCEL” BUTTON BELOW.

You should print a copy of this Agreement for future reference.

1.  SCOPE OF SERVICES

The services available from Zippen (Services) are templates for you to use to request details on your existing pension schemes from the providers of them and a website based analysis for your information of the annual management charges made by your existing pension schemes input by you into our website.  If you decide to make any transfers of your existing pension schemes the Services provide the automatic production of templates for you to communicate with the providers of those pension schemes to request the necessary transfers.  All communications from us in relation to the Services will be by email.

The Services do not include any analysis of the composition of or the investments made by your existing pension schemes, the performance of your existing pension schemes, nor the suitability for your needs of any transfers of your existing pension schemes which you decide to make.
Any decision you make to transfer any of your existing pension schemes must be made by you after careful consideration by you, including if you feel it to be appropriate, by taking advice from an independent financial adviser at your expense.  The use by you of any template provided by the Services for you to communicate with your existing pension providers to request transfers of your existing pension schemes will not imply that Zippen has considered the transfers you wish to make or has any liability for your decisions.

2.  VALIDITY OF INFORMATION

The validity of any information provided by us to you to will expire 90 days after it has been given.

3.   RESTRICTIONS  

Except as expressly set out in this Agreement or as permitted by any local law, you undertake to access our website and use the Services only for your personal use.


4.  INTELLECTUAL PROPERTY RIGHTS

You acknowledge that all intellectual property rights on our website, including copyright in all items on our website, belong to us.


5.  YOUR RESPONSIBILITIES

(a)    You agree to access our website only in accordance with this Agreement.
(b)    You are responsible for configuring your information technology, computer programmes and platform to access our website and for providing us with and maintaining a secure and up to date email address.  You should use your own virus protection software.
(c)    You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful.  You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected with our website.  You must not attack our website 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 rights to use our website will cease immediately.
(d)    You agree that you will not amend or alter the templates provided by the Services.
(e)    You agree that all information you input into our website will result from your use of templates provided by the Services, will be true and accurate and complete and that you will not input any information into our website unless you have understood and completed the Health Warnings and Cross Check on our website.
(f)    If you wish Zippen to provide you with information on the annual management charges for your existing pensions you agree to pay the applicable fee set out in Pricing by debit or credit card through our website which you agree will not be refundable after the information has been provided.

6.  OUR WEBSITE

You agree that your access to our website will be subject to:
(a)    our website being unavailable from time to time;
(b)    our Cookie Policy set out in our  Data Protection and Privacy Policy; and
(c)    there being no guarantee that our website will be secure or free from bugs or viruses.

7.  LIMITATION OF LIABILITY  

7.1    You must consider carefully any information provided by Zippen and if necessary consult an independent financial adviser on it.

7.2    Any information to be provided by Zippen is based on the data supplied by you from the providers of your existing pension schemes and Zippen will have no liability for any inaccuracy in information provided by Zippen attributable to inaccuracy in data supplied by the providers of your existing pension schemes.

7.3    Zippen will have no liability for any decision you may make to transfer or not transfer any of your existing pension schemes.

7.4    Nothing in this Agreement shall limit or exclude our liability for:

(a)    death or personal injury resulting from our negligence;

(b)    fraud or fraudulent misrepresentation; or

(c)    any other liability that cannot be excluded or limited by English law.

8.  TERMINATION
 
We may terminate this Agreement immediately by written notice to you if you commit a material or persistent breach of this Agreement which you fail to remedy (if remediable) within 14 days after the service of written notice requiring you to do so and upon such termination shall cease to access our website and use the Services.

9.  EVENTS OUTSIDE OUR CONTROL

We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under this Agreement that is caused by any act or event beyond our reasonable control.

10.  HOW WE MAY USE YOUR PERSONAL INFORMATION

We will only use your personal information as set out in our Privacy Policy.

11.  COMPLAINTS RESOLUTION PROCEDURES

How we deal with complaints is set out in our Complaints Resolution Procedures.

12.    OTHER IMPORTANT TERMS

12.1  We may transfer our rights and obligations under this Agreement to another person, but this will not affect your rights or our obligations under this Agreement.
12.2  You may only transfer your rights or your obligations under this Agreement to another person if we agree in writing.
12.3    If we fail to insist that you perform any of your obligations under this Agreement, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you and will not mean that you do not have to comply with those obligations.  If we do waive a default by you, we will only do so in writing.
12.4    Each of the conditions of this Agreement operates separately.  If any court or competent authority decides that any of them are unlawful or unenforceable, the remaining conditions will remain in full force and effect.
12.5    This Agreement, its subject matter and its formation, are governed by English law.  You and we both agree that the Courts of England and Wales will have non-exclusive jurisdiction.  However, if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are a resident of Scotland, you may also bring proceedings in Scotland.

April 2019

© Copyright 2019-2020 Consolidatemypensions.com Ltd

Company Number 10970025

Registered Office:  First Floor, Clockhouse Court, 5-7 London Road, St Albans, Hertfordshire AL1 1LA

Authorised and regulated by the Financial Conduct Authority No. 809981