Pensionsmarket Website terms & conditions

Terms and conditions

This World Wide Web site (Site) is owned and operated by systemsync solutions Ltd (systemsync). By using this site, you signify your agreement to all terms, conditions and notices contained or referenced herein. If you do not agree with these Legal Terms, please do not use this Site. We reserve the right to update or revise these Legal Terms at anytime. Please check these Legal Terms periodically for changes.


1. Trademarks and other Intellectual Property Rights

systemsync solutions Ltd’s trade names, trademarks, logos and service marks belong to systemsync solutions Ltd. All other trade names, trademarks, logos or service marks mentioned herein belong to their respective owners.

All content, information, materials, photographs, video files, process, graphics and functionality (Materials) on the Site are the exclusive property of systemsync and/or its licensors and are protected by intellectual property laws. All rights not expressly granted are reserved.

Your terms of use do not grant to you a license hereunder to otherwise use, copy, distribute or transfer the Materials.

Unless expressly provided otherwise by systemsync, all reviews, comments, feedback, information or materials submitted to systemsync through or in association with the Site shall be considered non-confidential and systemsync property. By submitting such comments, feedback, information or materials to systemsync, you agree, at no cost or fee, to assign to systemsync of all worldwide rights, title and interest in copyrights and other intellectual property rights to the comments, feedback, information or materials.

In relation to any content submitted by you, you grant an irrevocable, royalty-free, transferable right and license to use, copy, modify, delete in its entirety, adapt, publish, translate, create derivative works from and/or sell and/or distribute the content and/or incorporate such content into any form, medium or technology, throughout the world without compensation to you.


2. Information in or derived from Materials on the Site

All information in or derived from Materials provided via the Site (i) is intended for informational purposes only, (ii) is not intended to be relied on as, or to constitute, any form of financial or professional advice, and (iii) is not intended to constitute or form any part of an advisor-client relationship.

It is your responsibility to seek independent confirmation and/or professional advice, where appropriate, before acting or relying on information contained in or derived from such Materials.

If you require financial or other professional advice, you should seek it from an Independent Financial Advisor, or other suitably qualified and appropriately regulated advisor.

All such Materials are subject to change or withdrawal by systemsync at any time without notice. 3rd party data (such as we gather and display on this Site) is subject to continual change, often without the owner of the data notifying systemsync of such changes. We have established internal processes to track and monitor changes to 3rd party data, but nonetheless it is possible that the data be displayed on this Site is not accurate and/or not complete and/or not up to date, despite our reasonable efforts and best intentions.

Therefore, systemsync assumes no responsibility for the accuracy or completeness of the Materials, but will make reasonable efforts in good faith to display accurate information, and remove misleading information promptly upon becoming aware of its inaccurate or misleading nature.


3. Third-Party Web Sites

The Site may contain hyperlinks to other Web sites controlled by parties other than systemsync. systemsync is not responsible for and does not endorse the content on or use of these Web sites. The inclusion of such link does not imply the endorsement or support of such Web sites by systemsync.

It is systemsync’s stated policy not to accept any form of payment for explicitly including, or omitting, a 3rd party website from this Site. However, systemsync may register with a 3rd party’s affiliate program (if they offer such an affiliate marketing program), and so may in the future receive a lead referral payment from a 3rd party (via their affiliate marketing program). However, any such commercial arrangement (if it exists) shall not be taken to imply the endorsement or support of the 3rd party by systemsync. Please note: it is illegal for any company (including systemsync) to receive a commission for introducing a paying customer to a pension provider.


4. What are our responsibilities?

We are responsible to you for:

  • any claim you may have against us for a personal injury or in respect of your death if caused by our negligence; and
  • any statements made by our employees to you which are not true statements of fact and which are made by that employee with fraudulent intent; and
  • any statements made by our employees to you which are deliberately misleading or known to be untrue.


5. We are not responsible to you for:

  • any reliance that you may place on any material or commentary posted on this Site by yourself or a 3rd party. Please note that nothing contained in this Site or the material published on it is intended to amount to advice on which you should rely; or
  • any losses you suffer because the information you, or a 3rd party, has provided for reproduction on Site is inaccurate or incomplete
  • any losses you suffer because you cannot use this Site at any time; or
  • any losses you suffer through connecting to any linked third party websites or any statements, information, content, products or services that are published on, or may be accessible from, any linked third party website; or
  • any omissions from this Site; or
  • any loss or damage caused by a distributed denial-of-service attack, virus or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of this Site or to your downloading of any material posted on it, or on any website linked to it; or
  • any statements made by any 3rd party organisation linked to by this Site.

THE MATERIALS ARE PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND, INCLUDING (WITHOUT LIMITATION) ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

IN NO EVENT WILL systemsync BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES FOR ANY USE OF THE SITES, THE MATERIALS OR ON ANY OTHER HYPERLINKED WEB SITE, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA, EVEN IF systemsync IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH.

Save to the extent that liability may not be lawfully excluded or limited, any liability we may have which is not otherwise excluded or limited by these terms will be limited to £100.


6. Reviews and content submitted by you

  • When submitting a review to this Site, you guarantee that:
    • You are the sole author and owner of any intellectual property linked to the review;
    • the content of the review is accurate;
    • you have voluntarily waived any moral rights that you may have in the content of the review;
    • the use of the content of the review will not breach any of these Terms & Conditions, or cause harm to any person or entity;
    • you will not submit content:
      • that is known by you to be false, inaccurate or misleading;
      • that is defamatory, obscene, libellous, religiously or racially biased, hateful or unlawfully threatening, harassing to any person or entity or is otherwise objectionable;
      • that infringes any third party's copyright, patents, trademarks, publicity or privacy rights;
      • where you have received any compensation or consideration for submitting the content;
      • that included references to any other websites, addresses, emails addresses, contact information or telephone numbers;
      • that contains viruses, worms or other potentially damaging computer programs or files;
      • that violates any law, statute, ordinance or regulation (including, but not limited to, those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising);
      • that would constitute, encourage, promote or provide instructions for conduct of an illegal activity, criminal offence or civil liability;
  • You agree to indemnify systemsync and its affiliates for all claims brought by a third party arising out of or in connection with a breach of any of the above warranties.
  • systemsync reserves the rights to change, add or delete content that is in breach of the content guidelines or these Terms & Conditions of Use.
  • All content submitted by you may be used at systemsync's discretion.
  • systemsync does not guarantee that you will have any recourse via the Site to amend or delete content which has already been submitted.
  • Once your content has been submitted to the Site, the content will generally be reviewed within 24 hours of submission, or longer if the content is submitted over a weekend. systemsync, at its sole discretion, may remove, amend or refuse to publish submitted content for any reason. systemsync will not be held responsible for any submitted content.
  • None of the content you submit shall be subject to any obligation of confidence on the part of systemsync, its agents, subsidiaries, affiliates, partners or third party service providers and their respective directors, officers and employees.
  • By submitting a product review, you agree that systemsync may use your email address to contact you about the status of the submitted content, or for administrative purposes.

7. Defaqto notice:

The Website is for your personal finance purposes only (if you are a consumer) or for your internal business purposes only (if you are not a consumer). For the avoidance of doubt, scraping of our Website is not allowed.

Please be aware that nothing on the Website is, or shall be deemed to constitute, financial, investment or other advice or a recommendation or endorsement by Defaqto in respect of any product or service referred to on the Website. Information on this Website is provided for general information purposes only, should not be relied upon by you. You should always check the suitability, adequacy and appropriateness of the product or service that is of interest to you and it is your sole decision whether to obtain or refrain from obtaining any product or service. If you are in any doubt as to the suitability, adequacy or appropriateness of any product or service referred to on this Website, we suggest that you seek independent professional advice before you obtain any product or service via this Website.

A Defaqto Star Rating (“Defaqto Rating”) relates to a Product.

The Defaqto Rating is licensed to you by us. You are permitted to use the Defaqto Rating in relation to a Product, subject to all of the following:

  • Your use of the Defaqto Rating is for your own internal non-commercial use only. If you would like to use the Defaqto Rating for any commercial or business purpose (whether for a fee or not), any such use by you is first subject to you obtaining an appropriate commercial licence from Defaqto.
  • You must not use, copy, reproduce, republish, post, broadcast or transmit the Defaqto Rating for any purpose unless you have express prior written consent from Defaqto. This includes not reproducing or storing the Defaqto Rating in any website or in any public or private electronic retrieval system or service.

The Defaqto Rating is based on the opinion of Defaqto Limited following their own confidential methodology. No warranty is made by us or Defaqto Limited to any user in relation to the Defaqto Rating, and each end user is responsible for making its own investigations as to the Product and other services, products, policies and contracts.


8. Other Terms

systemsync controls the Sites from its offices in London, UK.

These Terms & Conditions of Use are governed by English law and the parties hereby irrevocably submit to the exclusive jurisdiction of the English Courts.