1. Terms of Use

1.1 This page (together with the documents referred to on it) tells you the terms and conditions of use (the Terms) on which you may make use of our website www.stoneport.co.uk (our site).

1.2 By accessing information contained on our site, submitting information to our site, visiting or using our site, you confirm that you accept these Terms and that you agree to abide by them. If you do not agree to these Terms, you must not access or submit information on our site, visit or use our site.

1.3 When you visit, use or access or submit information on our site, our Cookies Policy and Privacy Policy will also apply. By accessing or submitting information on our site, visiting or using our site, you confirm that you have read and understand these policies.

2. Information about us

2.1 www.stoneport.co.uk is a site operated by Stoneport Pensions Management Limited (we or us). We are registered in England and Wales under company number 06194826 and have Our registered office at 11 Strand, London WC2N 5HR.  Our main trading address is 11 Strand, London WC2N 5HR. Our VAT number is 782601821.

3. Accessing our site

3.1 Our site is made available free of charge. We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We reserve the right at any time to suspend, withdraw or restrict availability to all or any part of our site, or close it indefinitely, without notice. We will not be liable if for any reason our site is unavailable at any time or for any period.

3.2 If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these Terms.

3.3 You are responsible for making all arrangements necessary to have access to our site. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these Terms, and that they comply with them.

4. Intellectual property rights

4.1 We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected, for example, by copyright laws and treaties around the world. All such rights are reserved.

4.2 You may print off one copy, and may download extracts, of any page(s) from our site for your personal reference and you may draw the attention of others within your organisation to material posted on our site.

4.3 You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

4.4 Our status (and that of any identified contributors) as the authors of material on our site must always be acknowledged.

4.5 You must not use any part of the materials on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

4.6 If you print off, copy or download any part of our site in breach of these Terms, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

5. Reliance on information posted

5.1 Commentary and other materials posted on our site are for general information only and are not intended to amount to advice on which reliance should be placed. We, therefore, disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.

6. Our site changes regularly

6.1 We may update and change our site and the content on the site at any time.

6.2 Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.

7. Our liability

The material displayed on our site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:

7.1 All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.

7.2 Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it, including, without limitation any liability for:

7.2.1 loss of income or revenue;

7.2.2 loss of business;

7.2.3 loss of profits or contracts;

7.2.4 loss of anticipated savings;

7.2.5 loss of data;

7.2.6 loss of goodwill;

7.2.7 wasted management or office time; and

7.2.8 for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.

7.3 This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.

8. Information about you and your visits to our site

8.1 We will only process your personal information as set out in our Privacy Policy.

9. Use of our site

9.1 You may not use our site, including when uploading content to our site:

• in any way that breaches any applicable local, national or international law or regulation;
• in any way that is unlawful or fraudulent or has any unlawful or fraudulent purpose or effect;
• for the purpose of harming or attempting to harm minors in any way;
• to bully, insult, intimidate or humiliate any person;
• to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam); or
• to knowingly transmit any data, send or upload any material that contains viruses, trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.

9.2 You agree:

• not to reproduce, duplicate, copy or re-sell any part of our site in contravention of the provisions of these Terms; and
• not to access without authority, interfere with, damage or disrupt:
  • any part of our site;
  • any equipment or network on which our site is stored;
  • any software used in the provision of our site; or
  • any equipment or network or software owned or used by any third party.

10. Viruses, hacking and other offences

10.1 We do not guarantee that our site will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.

10.2 You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you may commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

11. Linking to our site

11.1 You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

11.2 You must not establish a link from any website that is not owned by you.

11.3 Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page. We reserve the right to withdraw linking permission for any reason without notice.

11.4 If you wish to make any use of material on our site other than that set out above, please address your request to Richard Garmon-Jones, Group Compliance and Legal Director, Punter Southall Group Limited, 11 Strand, London WC2N 5HR, richard.garmon-jones@puntersouthallgroup.com or 020 3327 5000.

12. Links from our site

12.1 Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them.

13. We may transfer this agreement to someone else

13.1 We may transfer our rights and obligations under these Terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.

14. Breach of these Terms

14.1 We will determine, in our discretion, whether there has been a breach of these Terms through your use of our site. When a breach of these Terms has occurred, we may take such action as we deem appropriate.

14.2 Without prejudice to the generality of paragraph 14.1 and any other rights or remedies we have in connection with these Terms, failure to comply with paragraph 9 constitutes a material breach of these Terms, and may result in our taking all or any of the following actions:

• immediate, temporary or permanent withdrawal of your right to use our site;
• immediate, temporary or permanent removal of any posting or material uploaded by you to our site;
• issue of a warning to you;
• legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach;
• further legal action against you; and/or
• disclosure of such information to law enforcement authorities as we reasonably feel is necessary.

14.3 We exclude liability for actions taken in response to breaches of these Terms. The responses described in this paragraph 14 are not exhaustive, and we may take any other action we reasonably deem appropriate.

15. Jurisdiction and applicable law

15.1 The English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to our site although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country.

15.2 These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.

16. Trade marks

16.1 Punter Southall, and Stoneport, are a UK registered trade mark of Punter Southall Group Limited.

17. Variations

17.1 We may revise these Terms at any time by amending this page. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time.

18. Complaints

18.1 If you have any concerns about our site or material which appears on our site, please contact Richard Garmon-Jones, Group Compliance and Legal Director, Punter Southall Group Limited, 11 Strand, London WC2N 5HR, richard.garmon-jones@puntersouthallgroup.com or 020 3327 5000. Thank you for visiting our site.