Last edited on 2nd July 2021

PLEASE READ THE TERMS OF USE AND OUR PRIVACY POLICY CAREFULLY AS YOUR USE OF THIS WEBSITE CONSTITUTES ACCEPTANCE OF THESE TERMS AND CONDITIONS AND THE PRIVACY POLICY.

The following terms and conditions together with our privacy policy (“Terms”) govern your use of this Website. In these Terms “Retiro” and “Retiro” are trading styles of Chambers Townsend Consultancy Limited and along with “us”, “we” or “our” means Chambers Townsend Consultancy Limited and “you” and “your” means the individual (acting in their own capacity or on behalf of their employer) using this Website.

1 TERMS GOVERNING YOUR USE OF THIS WEBSITE

1.1 Your use of this Website constitutes acceptance of these Terms. If you do not agree to our Terms, you must not use this Website.

1.2 We may, at our discretion, modify, add to or remove any of the Terms by updating this page at any time. You should check this page each time you use the site to ensure you are happy with the Terms and any changes. Your use on each occasion constitutes your acceptance of those changes.

1.3 When you visit this Website or communicate with us electronically (through the website or by means of messages and/or email), we will communicate with you electronically by message, email, or by posting notices on this Website. You agree that all agreements, notices, disclosures and other communications provided to you in this way satisfy any legal requirement that such communications are in writing. However, any legal notification provided by you will not be valid unless it is posted by first class mail and addressed to the Legal Department of Chambers Townsend Consultancy Limited at its registered address.

2 INTENDED AUDIENCE

2.1 This Website is controlled and operated by us from the United Kingdom and is solely for use by UK residents only. It may not be used by any other third party or commercial organisation without prior express written consent of Retiro.

2.2 We make no representation that any material contained on this Website is appropriate for any other jurisdiction. Should you choose to access this Website from any location other than the United Kingdom, you are responsible for compliance with all applicable local laws.

3 LICENCE GRANTED TO YOU

3.1 We grant you a non-exclusive license to use this Website upon the Terms.

3.2 We may terminate this license at any time if you are in breach of any of the Terms or otherwise at our absolute discretion.

4 COPYRIGHT AND TRADEMARKS

4.1 This Website contains material that is owned by or licensed to Retiro. This material includes, but is not limited to, the design, layout, look, appearance, graphics and any documents on this Website as well as any other content. It is protected by intellectual property laws including, but not limited to, copyright.

4.2 Unless otherwise stated, all rights in any information which appears on this Website (including the screen displays, the content, the text, graphics and look and feel of this Website) belong to Retiro or our licensors.

4.3 Unless specifically prohibited by a notice published on any page, you may print a copy of such parts of the pages of this Website as you may reasonably require for your own personal non-commercial use provided that any copy has attached to it the relevant proprietary notices and disclaimers.

4.4 All non-Retiro trademarks, service marks, company names, or logos are the property of their respective holders. Any use by you of these marks, names, and logos may constitute an infringement of the holders’ rights.

4.5 You may view, use, download, and store the material on this Website (including any forms) for internal business use and any other permitted purpose that has been specified on this Website. Any other use is not permitted.

4.6 Unauthorised use of this Website may give rise to a claim for damages and/or be a criminal offense.

5 LIABILITY

5.1 By entering this Website, you acknowledge and agree that the use of this Website is at your own risk.

5.2 To the extent permissible by applicable law we shall in no circumstances, including (but not limited to) breach of contract or negligence, be liable for any direct, indirect, incidental, special, consequential, or punitive damages, losses, costs or expenses nor for any loss of profit that results from the use of, or inability to use this site or any material on any site linked to this site (including but not limited to any viruses or any other errors or defects or failures in computer transmissions or network communications) even if we have been advised of the possibility of such damage.

5.3 In addition, we are not liable for any changes made to the content of this site by unauthorised third parties.

5.4 All express or implied warranties or representations are excluded to the fullest extent permissible by law.

5.5 You acknowledge the use of this site is currently free of charge.

5.6 Retiro’s maximum aggregate liability to you for losses or damages suffered in respect of any claims arising from the use of this Website shall not exceed an aggregate sum of one pound (£1.00).

5.7 NOTHING ON THIS WEBSITE SHALL BE DEEMED TO CONSTITUTE FINANCIAL OR OTHER ADVICE. If advice is required about any matters addressed by the website please contact a Financial Adviser, Parker Financial Advice.

5.8 Any software is downloaded at your own risk. If you are in any doubt as to the suitability of the software to be downloaded for your computer it is recommended that you obtain specialist advice before downloading it.

6 OTHER SITES

6.1 This Website may contain links to other websites. We accept no responsibility or liability for the content of any other websites that are linked to or from this Website and that are not under our strict control. Such external sites may be governed by their own terms of use and privacy policy.

6.2 No link is intended to be, nor should be construed as, an endorsement of any kind by us of that other website. It is your responsibility to check the terms and conditions and privacy policy on any other website which you visit. We exclude all warranties and all liability for any loss or damage you incur as a result of your use of such sites.

6.3 You may not create a link to this Website from another website or document without our express written permission.

7 CONTRACTING WITH US ONLINE

7.1 Nothing on this Website is intended to be nor should be construed as an offer to enter into a contractual relationship with you or anyone else, except for the Terms which govern the relationship between us in relation to your use of this Website.

7.2 If you make a contract with a third party that is named or referred to on this Website, it is your responsibility to ensure that you are happy with that contract and to take legal advice if necessary.

8 PRIVACY

8.1 Our privacy policy can be accessed from this link.

9 SITE AVAILABILITY

9.1 To the extent permitted by applicable law, we do not warrant that this Website will be available at any time.

10 ACCURACY OF INFORMATION

10.1 The information contained in this Website is based on views, opinions and information and while we make all reasonable efforts to ensure that material on this Website is correct, current and complete at the date of publication, accuracy cannot be guaranteed. Retiro makes no warranties or representations (express or implied) as to the validity, accuracy, currency or completeness of any information or material referred to on this Website.

11 COMPLETE AGREEMENT

11.1 These Terms contain all of the terms which govern your use of this Website.

12 GOVERNING LAW

12.1 The formation, existence, construction, performance, validity in all aspects whatsoever of these Terms or any dispute in relation to the services and/or the materials contained in this Website is/shall be governed by and shall be interpreted in accordance with the law of England and Wales.

12.2 Each party irrevocably submits to the exclusive jurisdiction of the English courts in relation to all matters arising out of or in connection with this Agreement.

13 TERMS GOVERNING YOUR USE OF THIS WEBSITE

13.1 Your use of this Website constitutes acceptance of these Terms. If you do not agree to our Terms, you must not use this Website.

13.2 We may, at our discretion, modify, add to or remove any of the Terms by updating this page at any time. You should check this page each time you use the site to ensure you are happy with the Terms and any changes. Your use on each occasion constitutes your acceptance of those changes.

13.3 When you visit this Website or communicate with us electronically (through the website or by means of messages and/or email), we will communicate with you electronically by message, email or by posting notices on this Website. You agree that all agreements, notices, disclosures and other communications provided to you in this way satisfy any legal requirement that such communications are in writing. However, any legal notification provided by you will not be valid unless it is posted by first class mail and addressed to the Legal Department of Chambers Townsend Consultancy Limited at its registered address.

14 INTENDED AUDIENCE

14.1 This Website is controlled and operated by us from the United Kingdom and is solely for use by UK residents only. It may not be used by any other third party or commercial organisation without prior express written consent of Retiro.

14.2 We make no representation that any material contained on this Website is appropriate for any other jurisdiction. Should you choose to access this Website from any location other than the United Kingdom, you are responsible for compliance with all applicable local laws.