This End User Licence Agreement (“Agreement”) covers your use of Heritage’s Online Forms (“Online Forms”) and Heritage’s Client Area and Heritage’s IFA Area (“Client and IFA Areas”). Please read this Agreement carefully along with Heritage’s Privacy Statement and Legal Statement.By using the Client and IFA Areas and the Online Forms, you accept this Agreement and all documents, statements and rules referred to in this Agreement (“Related Documents”) such as Heritage’s Privacy Statement, Legal Statement and Terms & Conditions.Independent Financial Advisers using the Client and IFA Areas and the Online Forms on behalf of their client must have permission to act on their client’s behalf and provide their client’s personal information.Governing LawThe Client and IFA Areas and the Online Forms are governed in accordance with the laws of England and Wales and any dispute or action arising out of your use of the Client and IFA Areas and the Online Forms shall be determined in accordance with such laws.AvailabilityAll reasonable endeavours will be made to ensure that the Client and IFA Areas, Online Forms and Related Documents are available 24 hours a day 365 days a year. However, it may become unavailable due to maintenance, upgrade or circumstances outside Heritage Pensions Limited’s control. Heritage Pensions Limited does not guarantee the availability of the Client and IFA Areas, Online Forms and Related Documents. It may be temporarily unavailable or restricted in terms of content and access. Heritage Pensions Limited will not be liable for any loss or damage arising from or in connection with the loss of availability of all or part of the Client and IFA Areas and the Online Forms. Heritage Pensions Limited accepts no liability for any loss that may arise if the products or services advertised within the Client and IFA Areas become unavailable. Your use of the Client and IFA Areas and Online Forms and Related Documents is on that basis.ContentHeritage Pensions Limited reserves the right to change the content of the Client and IFA Areas, Online Forms and Related Documents without prior notice. We may withdraw or amend any part of or the entire Client and IFA Areas, Online Forms or Related Documents without notice.General InformationThe Client and IFA Areas and the Online Forms are not, and should not be construed as, an offer to sell or invitation to buy, or the solicitation of any offer to buy any investments, securities or other products or services. The information and opinions provided within the Client and IFA Areas and Online Forms are for guidance only and are not intended to provide investment, tax, legal, financial or accounting advice to you. The information and opinions should not be relied on as authoritative or definitive and whilst they have been compiled in good faith, there is no representation or warranty, express or implied, as to their accuracy or completeness. They should not be used as the basis of any decision nor as a recommendation of the products and services referred to within the Client and IFA Areas and on the Online Forms, nor their suitability. Use of the Client and IFA Areas and Online Forms cannot be a substitute for taking your own advice about your particular circumstances.You are recommended to seek advice from a recognised investment professional before making any decision to apply for one of our products. The products referred to within the Client and IFA Areas and on the Online Forms may have tax consequences for which independent professional advice should be sought. Any reference to taxation within the Client and IFA Areas and on the Online Forms is based on our interpretation of current UK tax law and practice and does not constitute independent advice.We make no warranty that the Client and IFA Areas and Online Forms will meet your requirements. The information provided is for general guidance only. If you are unsure whether our products are suitable for your requirements, it is recommended that you speak to an independent financial adviser.AccessWe reserve the right to disable any user name, identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with this Agreement, Online Forms or any Related Documents.MonitoringTo preserve the integrity of the Client and IFA Areas and the Online Forms, in the interests of security and to detect fraud and other crimes, we may monitor all communications, including web and email traffic, into and out of the Client and IFA Areas and the Online Forms. Such monitoring includes, but is not limited to, checks for viruses and other malignant code, criminal activity and traffic or content which breaches our policies. We may also stop the delivery of any communication that breaches our policies.

Also, we may, in the interests of security and to help us to improve our service to you, monitor and/or record communications (whether over the internet, telephone or otherwise) between you and us. All recordings are our sole property.LiabilityHeritage Pensions Limited excludes all liability whatsoever for any loss or damage howsoever arising to the full extent lawfully permitted, as a result of the use of the Client and IFA Areas and the Online Forms or reliance on any of its contents; loss includes all losses, claims, liabilities, costs expenses (including legal fees) and damages of any sort whatsoever and whether or not reasonably foreseeable or avoidable.Heritage Pensions Limited accepts no liability for any loss that may arise if you use the products or services advertised within the Client and IFA Areas or they become unavailable.We also exclude all liability for any loss or damage resulting from any attack on our systems by a third party, or for any computer virus, or other malicious or technologically harmful material that may cause your computer equipment, computer programs, data or other proprietary material to be infected due to your use of the Client and IFA Areas and the Online Forms.Client ResponsibilityIt is your responsibility to ensure that your computer is virus protected. Heritage Pensions Limited accepts no responsibility for any loss you may suffer as a result of accessing or downloading information from the Client and IFA Areas and the Online Forms. It is also your responsibility to ensure that your computers and your access to the Client and IFA Areas and the Online Forms are adequately secured against any unauthorised users and that you keep user names, identification codes and passwords confidential.Any content, information or material you contribute or upload to the Client and IFA Areas and Online Forms must be true, fair and accurate.Privacy StatementPlease read our Privacy Statement for information about our collection and use of your personal information, and, if you are an Independent Financial Advisor, the personal information of your clients.Please be aware that internet transmissions are never completely private or secure and that any message may be read or intercepted by others, even if there is a special notice that a particular transaction is encrypted.E-mail AddressesIf you e-mail us, or give us your e-mail address, we will keep a record of it. We may use it to contact you occasionally about our products and services, unless you ask us not to do so in writing.LanguageAll contracts will be provided to you and concluded in English and all communications between us will be in English.Intellectual Property Rights“Intellectual Property” Rights means any patents, copyright, database rights, design rights, registered designs, trademarks or service marks, trade names or know how (whether registered or not) and all rights or forms of protection of a similar nature existing anywhere in the world. All intellectual property rights within the Client and IFA Areas and on the Online Forms and other documents available via links from the Client and IFA Areas are the exclusive property of Heritage Pensions Limited and may not be produced or copied, except as set out below.Copyright and TrademarkThe contents of the Client and IFA Areas and the Online Forms are the copyright of Heritage Pensions Limited 2019. The reproduction of any material present within the Client and IFA Areas and on the Online Forms is prohibited, except for that which is specifically provided for download purposes.The material within the Client and IFA Areas and on the Online Forms may not be posted to bulletin boards, newsgroups or related sites.You are not to share in any way the content of the Client and IFA Areas with any party other than your professional adviser(s) or us.ChangesWe will update the content of this Agreement from time to time. Please ensure that you review this Agreement regularly to ensure that you are aware of the current terms. Also try to refresh your browser on a regular basis.