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Terms & Conditions

Welcome to The Guide for Pension Trustees website ( owned and operated by Pendragon, UK, see the “Contact Us” page for more details (hereinafter referred to as “GPT Online”). To make GPT Online informative and useful, we ask that all the visitors and subscribers to our site on the World Wide Web (the “Site”) adhere to our terms and conditions. By accessing the Site, you indicate your acknowledgement and acceptance of these terms and conditions. Please check these terms periodically for changes. Your continued use of the Site following the posting of changes to these terms will mean you accept those changes.

Our Privacy Policy
GPT Online respects the privacy of our on-line visitors. We only gather personally identifiable data, such as names, addresses, e-mail addresses, etc. when voluntarily submitted by the visitor. This information may be used by GPT Online, its owner Pendragon and Pendragon’s group companies for promotional purposes and from time to time may be sold to third parties, unless you have opted not to receive promotional mailings on your original subscription order form or by writing to GPT Online, Pendragon, 5th Floor, 10 Whitechapel High Street, London E1 8QS.

GPT Online is protected by copyright. All copyright and other intellectual property rights and database rights in the material contained in GPT Online is owned by Pendragon. Other than as set out in these Terms, you may not copy, reproduce, distribute, publish, display, perform, modify, or in any other way exploit any part of this website. You acquire no rights or licences in, or to, the website other than the limited right to use the website in accordance with these Terms. You may not use any part of the website to construct a database of any kind.

Restrictions On Use Of Materials
Individual materials from the Site may be downloaded if you are a registered subscriber for your personal and business use only, provided you keep intact all copyright and other proprietary notices. Copyright notice in the form “© Copyright and Database Rights Pendragon 2016, all rights reserved.” must appear in every copy or reproduction of such GPT Online materials.The database of material contained in GPT Online may not be downloaded in its entirety, nor may individual material, or material in its entirety, be republished, posted, transmitted or uploaded in print or electronic form, except where the functions of the Site enable you to do so, under the terms of this agreement. Modification of the materials or use of the materials for any other purpose is a violation of the owner's copyright and other proprietary rights.

Trademark Notice
This Site may contain trademarks, copyrights and other intellectual property rights of third parties. All such rights are proprietary to their respective owners. Users are prohibited by law and these conditions from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on this Site for commercial or public purposes. Except as specifically permitted in accordance with the terms and conditions governing use of this Site, any use of such trademarks or tradenames is strictly prohibited without the express written permission of these owners.

Limitation Of Liability
Every user who visits this Site does so at his or her own risk. The materials in this Site are provided "as is" and without warranties of any kind either express or implied including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose, title, non-infringement, security or accuracy. GPT Online and its owner Pendragon, nor any other party involved in the creation, production or delivery of this Site or whose materials or information appear in this Site, will not be liable for any damages or injury caused by, including but not limited to, any failure of performance, error, omission, interruption, defect, delay in operation of transmission, computer virus, line failure, technical inaccuracies, typographical errors or the inability to use the materials in this Site, even if there is negligence on GPT Online's part or an authorized GPT Online representative has been advised of the possibility of such damages, or both. GPT Online may discontinue the Site or any part immediately if the provider of the material contained on the Site, or any part, withdraws or limits the licence or authority of GPT Online to include such material on the Site. The above limitation or exclusion may not apply to you to the extent that applicable law may not allow the limitation or exclusion of liability for incidental or consequential damages. In that event, GPT Online's total liability to you for all losses, damages, and causes of action (in contract, tort, including without limitation, negligence, or otherwise) will not be greater than the amount you paid to access this Site.

GPT Online is not responsible and assumes no responsibility for the contents of any non-GPT Online linked Internet website, or for any potential damage arising out of or in connection with the use of any such link. The Internet websites to which links are provided in this Site are not under the control of GPT Online. Access to any other Internet sites linked to the Site is at the user's own risk. In addition, the existence of a link between this Site and any other Internet website is not and shall not be understood to be an endorsement by GPT Online of any material, substance, information or the owner or proprietor of the linked Internet website, or of the site's privacy policies, and such link shall not imply nor create any relationship nor endorsement between GPT Online and the owner or proprietor of such linked website.

GPT Online may cancel or withdraw access to the Site and without notice at any time and may amend or terminate these terms for any reason.

Jurisdiction and Validity
These terms shall be governed by and construed in accordance with the laws of England & Wales, regardless of where the user is based. You agree that any action at law or in equity arising out of or relating to these terms shall be filed only in England & Wales, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.

GPT Online use cookies to recognise you when you return to our site and record traffic levels through the site. You are not obliged to accept cookies and you may modify your browser so that it will not accept cookies. However, if you do not accept cookies you will be unable to fully access subscriber-only content.

Unless you have modified your browser setting so that it will refuse cookies, our system will issue cookies when you log on to the site. In addition to cookies we also log each page you have visited on the site to help us understand which areas of the site are the most popular so we can improve our service to you in future.

We do not sell the information collected by cookies, nor do we disclose the information to third parties except if required to do so by law.


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