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This Privacy Policy forms part of terms and conditions. One you have provided your personal details on this Website you will deemed to have read and accepted this Privacy Policy.

Before using the Website it is your responsibility to read the Privacy Policy and to notify us in the manner set out in the Privacy Policy if you do not want us to collect information about you. By accessing and using the Website you are agreeing to be legally bound the Terms and Conditions and by this Privacy Policy. You should therefore also read the Terms of Use before using the Website. The Operator is committed to protecting your privacy. It is very important to us that you should be able to use the Website without having to compromise your privacy in any way.

To ensure that our Website service is continually improved it is necessary to know something about our users. We need to establish an accurate picture of the needs and wishes of our users and to be able to communicate with you. This will enable the Website to continue to offer a service that is relevant and interactive.

We will not pass on any specific information about any individual user (including your e-mail address) unless we have your prior permission. We will only share aggregate data about our users, traffic patterns and sales with our advertisers and trading partners with whom we have an association.

What information do we collect?

We automatically collect some data about our users' browsing actions and traffic patterns. This is aggregate data that does not identify any individual and will list which of the Website pages are most frequently visited and by which types of users. We may also ask you to provide information on a voluntary basis in order to get a clearer picture of our users. It is then entirely up to you whether you are happy to give us this information.

In the course of asking us for information to provide annuity quotes or to purchase an Actuarial Report you will be asked to provide some details about yourself and your partner. You may also choose to e-mail us or make contact with us in other ways. Such contact gives us information about you.

We may collect more specific information about some of our users. This may include your name, e-mail address, marital status, the address where you live, a contact telephone number, details about your or your partners pension arrangements or details about your or your partners health and medical conditions.

Why do we collect aggregate data?

We use aggregate data where no individual is identifiable to help us improve our understanding of our users and their information preference. We use this to assist us in arranging relevant advertising and commercial opportunities as well as ensuring improved editorial content. This also helps us to develop the Website and determine its use.

We want to be able to direct your attention to editorial content and commercial opportunities that may be of interest to you. We want to share the data with advertisers, trading partners and other commercial entities with whom we have or may have an association. We may also share data that they obtain about their users, which may include you.

Why do we collect specific information?

We use specific information about your preferences for annuity income or health and medical conditions where you are requesting information for an impaired life annuity, to provide you with annuity quotes. We use specific information that you are happy to give to us in order to provide you with an Actuarial Report application form.

With your prior consent we want to share information with a partner authorised firm or partner actuary firm with whom we have or may have an association. We may also share specific information they obtain about their users, which may include you.

With your consent we want to share information you provide for an annuity quote with partner authorised firms, product providers and their underwriters in order to secure the most competitive annuity rates for you at that time. With your consent we want to share information you provide for an Actuarial Report with a partner actuary firm, in order to provide you with a fair valuation of a defined benefit (final salary) scheme.

Will information be disclosed to third parties?

By submitting your personal specific information to, you give the Operator permission to share the information with a partner authorised firm, partner actuary firm or carefully chosen, reputable and trustworthy third parties that are qualified to complete your enquiry on our behalf. We do this to secure the highest quality products or advice, provide the highest level of service, improve response times to your enquiry.

By submitting your personal specific information to, you give us and a partner authorised firm or partner actuary firm permission to contact you by email, telephone or post to clarify or ask further questions in relation to your enquiry. On request, we and a partner authorised firm or partner actuary firm will erase all information you have submitted to us that we have on our files.

The Operator may provide aggregate data about users, traffic patterns and related site information to reputable third parties but this data will include no personally identifying information. The Operator complies with all relevant legal requirements and takes all reasonable care to ensure that your information is secure and private and is only seen by responsible third parties. However, we cannot be held responsible for the actions of any third party who receives or obtains access to the information, nor for any breach of security.

If you tell us that you do not want us to use specific information about you, then information about your use of the Website would then only form part of aggregated data and would not be related to you as an individual. You can ask to see information we have about you by sending an email to


In common with many other website operators, we may use standard technology called 'cookies' on this website. Cookies are small pieces of information that are stored by your browser on your computer's hard drive and they are used to record how you navigate this website on each visit.

Our cookies are used to enable us to develop our website to reflect our customers interests and by noting who has seen which pages and advertisements, how frequently particular pages are visited and determining the most popular areas of our website.

We may use cookies to enhance your experience of using the website by allowing us to tailor what you see to what we have learned about your preferences during your visits to the site. Most browsers automatically accept cookies, but you can usually change your browser to prevent cookies being stored. Please note, if you do turn cookies off this will limit the service that we are able to provide to you and may affect your visitor experience.

What can I do if I am not happy to share information about myself?

If you do not wish us to share specific information about you with third parties or use your details in other ways described in this Privacy Policy, you can e-mail us at at any time and tell us of any objections you may have about how we use or disclose your details.

What if the Privacy Policy is changed in the future?

All changes to the Website policy will be posted on the Privacy Policy page.

Legal disclaimer

Though we make every effort to preserve your privacy, we may need to disclose personal information when required by law wherein we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on our Website.

Notices: We make every effot to ensure we accurately represent these products and services and their potential for producing income for people retiring. Examples of income and fund values available may depend on your age, amount invested, income selected, return on investment for the underline assets and results vary for each individual. This page is for marketing purposes only and does not provide specific financial or legal advice with enquiries submitted to Blackstone Moregate Ltd, which is authorised and regulated by the FCA (no. 459051) 9th Floor, 30 Crown Place, London, EC2A 4EB. Website security issued by GeoTrust and Equifax. Copyright©2001-17 All Rights Reserved.