UK Website UseThis website is intended for use only by regulated Financial Advisers who can access it from within the UK and their clients. Any products or services referred to on these pages are intended for sale only to individuals who are resident and ordinarily resident in the UK.Some of the information on this website is for regulated Financial Advisers only. It is not a consumer advertisement and should not be displayed and used as such. You will need to appoint a Financial Adviser before considering any Heritage Pensions Limited’s products.Governing LawThis site is governed in accordance with the laws of England and Wales and any dispute or action arising out of this site shall be determined in accordance with such laws.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 on this site 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 this site are © Heritage Pensions Limited 2019. The reproduction of any material present on this site is prohibited, except for that which is specifically provided for download purposes.The material on this website may not be posted to bulletin boards, newsgroups or related sites.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 this website 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 the products or services advertised within this website 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 this site.Hypertext LinksCertain hypertext links in this website may lead you to websites which are not under the control of Heritage Pensions Limited. When you activate these, you may leave the Heritage Pensions website. These links are provided solely for your convenience and do not represent any endorsement or recommendation by Heritage Pensions Limited.Heritage Pensions Limited accepts no responsibility or liability for the contents of any website to which a hypertext link exists and gives no representation or warranty as to the information on such websites. Heritage Pensions Limited does not accept any responsibility or liability for any loss arising from any contract entered into with any website to which a hypertext link exists.Please note that when you click on an external site hypertext link you will leave the Heritage Pensions website and access the external site at your own risk.Heritage Pensions Limited is not responsible for the privacy practices adopted by external sites.No links may be created to this site without the express prior written consent of Heritage Pensions Limited.

Information OnlyThis site is 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 on this site are for guidance only and are not intended to provide investment, tax, legal 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 on this website, nor their suitability. Use of this website 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 in this website may have tax consequences for which independent professional advice should be sought. Any reference to taxation in this website is based on our interpretation of current UK tax law and practice and does not constitute independent advice.We make no warranty that the website 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.General DisclaimersHeritage Pensions Limited reserves the right to change the content of the site without prior notice.Best endeavours will be made to ensure that the website is available 24 hours a day 365 days a year. However the site may become unavailable due to maintenance, upgrade or circumstances outside Heritage Pensions Limited’s control. Heritage Pensions Limited does not guarantee the availability of this site. The site 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 this site. Heritage Pensions Limited accepts no liability for any loss that may arise if the products or services advertised within this website become unavailable.ChangesWe will update the content of this statement from time to time. Please ensure that you visit this page regularly to ensure that you have seen and are aware of the current terms. Also try to refresh your browser on a regular basis.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 this site.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.LanguageAll contracts will be provided to you and concluded in English and all communications between us will be in English.