Back to flex-access drawdown or fixed term annuity or immediate care annuity or immediate needs annuity
Please read the terms and conditions carefully before you use the Sharingpensions.co.uk website. By accessing Sharingpensions.co.uk (hereinafter "Website")
you are agreeing to be legally bound by these terms and
conditions as modified from time to time (hereinafter
"Terms"). Your use of the Website constitutes
your agreement to the Terms. If you do not accept these terms and conditions you must not use the Sharingpensions.co.uk website.
The Website is
operated by Sharingpensions.co.uk (hereinafter "Operator").
The Operator reserve the right to suspend or terminate
your access to the Website at any time, with or without
notice or explanation. The use of the terms "We" or "Our" in relation to services or quotes refers to the expertise provided by our Partner Firms.
property rights, including copyright, in the content
displayed on the Website (hereinafter "Content")
belong to the Operator. All rights are hereby reserved and all trademarks acknowledged. Before
using the Website it is your responsibility to read
Policy and to notify the Operator in the manner set
information about you.
The copyright and all other intellectual property rights associated
with the Website and Content, belong to the Operator, save where
In accessing the Website, you agree that
you will access the Content solely for your own personal use
but not for any commercial or public use. For this purpose
alone you can download and use the Content on a single computer
at a time. You may also print out individual pages on paper
of any part of the Content on the Website and store such pages
in electronic form on disk (but not on any server or any other
storage device connected to a network where the pages could
be accessed by other users) for your own personal, non-commercial
Except as permitted
above, you agree not to download, copy, modify, store in any
medium (including in any other website), distribute, transmit,
re-transmit, or show in public any part of the Content without
the prior written permission of the Operator, or in accordance
with the Copyright, Designs and Patents Act 1988.
You agree to abide by all copyright notices
and restrictions attached to the Website or Content and not
to remove or alter any such notice or restriction or alter
the Website or Content in any way.
Use of Content
The Content may not be downloaded, copied, reproduced, republished,
posted, transmitted, redistributed or commercially exploited
in any way except for your own personal, non-commercial use.
Any other use requires the written permission of the Operator.
You agree not to adopt, modify or create
a derivative work in electronic or structured manual form
by systematically downloading and storing all and any of the
Content in this Website or to use it for any other purpose
other than for your own personal non-commercial home use.
You agree to abide by all applicable laws,
regulations and codes of conduct and ensure that any content
downloaded or stored by you does not infringe the rights of,
or restrict or inhibit the use of the Website by any third
party. Such restriction or inhibition includes, without limitation,
conduct which is unlawful, or which may harass or cause distress
or inconvenience to any person and the distribution or transmission
of offensive, infringing, obscene, indecent or objectionable
material or information within the Website.
In accessing the Website and Content you
agree not to damage, interfere with or disrupt the normal
flow of dialogue within the Website or do anything which may
interrupt or impair Website functionality.
Links to Third Parties
This Website contains links to other sites operated by third
parties that are wholly separate from the Operator. Links to
all third party sites can be identified because by clicking
on them you will launch a new browser window that displays
the third party's site.
You acknowledge and agree that the Operator are not responsible
for the availability of any third party sites or material
you access through the Website and do not endorse and are
not responsible or liable for any content, advertising, products
or services on or available from such third party sites or
material, nor for any damage, loss or offence of any content,
advertising, products or service available on or available
from third party sites or material.
Your dealing with any advertisers or merchants found on or
via the Website including payment for any delivery of products,
services and any terms, conditions, warranties or representations
with such third parties are solely between you and such third
party. You agree that the Operator are not liable for any loss
or damage of any kind incurred as the result of any such dealings.
Liability and Disclaimer
The Content should only be used for your general information
and not by way of a specific recommendation or financial advice
or legal advice as every individual's circumstances are different. Any quantitative information including annuity and drawdown rates is obtained from sources believed to be reliable. However, the accuracy and completeness of any information cannot be guaranteed and no warranty or representation is given and users must check all rates, conditions and details before finalising any arrangement. No liability can be accepted for any direct or consequential loss arising from the use or reliance upon this information.
Before taking any action or decision based
on whole or in part on the Content, you should always make
your own independent checks of any information that is important
in making such decision or taking such action. You should
also seek professional financial advice or professional legal
advice in appropriate circumstances.
The Operator take all such steps as are reasonably
necessary to provide a fast and reliable service, but exclude
to the fullest extent permitted by law any liability for the
security of the service on the Website or for any distribution
of the Website however caused, loss or corruption of any Content
in transit, or loss or corruption of any Content when downloaded
onto any computer systems.
The Operator make no representations or warranties
of any kind whether expressed or implied as to the Content
or the Website. The Operator make no representations or warranties
about the accuracy, completeness or suitability for any purpose
of the Content published on the Website or that defects will
be corrected, or that the Website or the server that makes
it available are free of viruses or other contamination. Any
liability, however it occurs, for any such inaccuracies or
errors is expressly excluded save if and to the extent that
they may not lawfully be excluded.
The Operator will not be liable for any claims,
injuries, penalties, losses, costs or expenses, liabilities
or damages arising from the use of, or inability to use the
Website or Content or from any action taken, or omitted to
be taken, as a result of using the Website or Content. To
the fullest extent permitted by law you agree that the Operator
will not be liable to you and/or any third party for any damages
including, without limitation, consequential or incidental
damages (including but not limited to lost profits, loss of
privacy or for failure to fulfill any duty) or any other indirect,
special or punitive damages whatsoever that arise out of or
are related to the use of the Website or the Content.
The Operator introduces enquiries to financial service and actuarial service partner firms. Where services relate to regulated products and services specified
by section 22 of the Financial Services and Markets Act 2000
(c.8) as regulated activities supplemented by Schedule 2 of
the Act, and where there is an enquiry for further information
in relation to regulated products and services, the Operator
will forward this request to a Partner Authorised Firm carefully
chosen, reputable and trustworthy third party that is an Independent
Financial Adviser (IFA) authorised directly or an appointed
representative regulated by the FCA and qualified to satisfy
this enquiry and to give advice. You are required to refer
to their terms and conditions in relation to these products
and services. The appointed partner authorised firm that has
agreed to advise an enquiry relating to regulated activities
||Blackstone Moregate Limited
||FSA firm reference number: 459051
||Address: 9th Floor, 30 Crown Place, London, EC2A 4EB
The appointed partner authorised firm that has
agreed to advise an enquiry relating to immediate needs or care annuities
||Eldercare Solutions Limited
||FSA firm reference number: 603598
||Address: Suite 4, Titmore Court, Titmore Green, Little Wymondley, Hitchin, Herts, SG4 7JT
Where the Operator introduces an enquiry
to our Partner Authorised Firm that does provide products
and services to you, a payment is made of up to 25% from
the Partner Authorised Firm of the fee or commission they
receive from this transaction.
By submitting any form by way of email or telephone originating
from the Website you are not under any obligation or commitment
to purchase any service through our partner authorised firm.
The request for and provision of any quote or information
does not represent an agreement to conduct business between
the parties. Before conducting any business our partner firms
require your or your agents written authorisation, agreement
to the terms of business letter or terms and conditions and payment of fees where
The use of the Website shall be governed by and construed in accordance with the laws of England and Wales and all parties hereby submit to the non-exclusive jurisdiction of the courts of England and Wales.
Changes to Terms
The Operator reserve the right to make changes to any part
of the Website. Due to our policy of updating and improving
the Website, it may be necessary to change the Terms. In the
event that the Operator changes the Terms, the Operator will
notify you by posting details of the changes on the Website.