It's important that you read this page. It contains important information. By accessing this website, you will be deemed to have agreed to what is set out below.

www.retiready.co.uk is a website (the "Retiready website") operated by Aegon UK Corporate Services Limited ("we"). We are registered in Scotland under company number SC170062 and have our registered office at Edinburgh Park, Edinburgh, EH12 9SE.

We may revise these Terms of Service at any time, without notice to you. Your use of, or your accessing, the Retiready website implies your acceptance of the updated Terms of Service.

1. Information, not advice

This Retiready website is for information only and is subject to change without notice. This Retiready website is not in any way an offer to sell our products. The Retiready website gives you information about Retiready and, through which, you can submit an application to us for a Retiready Pension and/or ISA which will form the basis of a contract between us.

Nothing on this Retiready website (or in any email you receive from us or any web-chat you may enter into with us, see clause 6) should be regarded as offering personal financial advice and/or the provision of advice on the suitability of a Retiready product wrapper or a fund.

2. Leaving the Retiready website

After you leave this Retiready website (whether knowingly or not), We are not responsible in any way for any other pages, websites, documents etc that you access, and the results of accessing them. We do not accept any liability for your use of any third party website and resources. In particular, you may be going to a website whose originator is not authorised and regulated by the Financial Conduct Authority.

We are not responsible for the security of content of any non-Aegon websites which are linked to from this Retiready website.

3. Copyright and trademarks

Copyright in this Retiready website and any trademarks are owned by Aegon UK plc or other Aegon group companies. All rights reserved.

4. United Kingdom residents

This Retiready website is intended for the information and use of United Kingdom residents, who are aged 18 or over, only. We will provide information on the Retiready website only in English.

5. Downloading information

Please note that any downloading of software or information is done at your own risk. We do not warrant the suitability of anything that is downloaded and accept no liability for any problems that may arise as a result. If you're in any doubt about downloading anything, we recommend that you take specialist advice before downloading.

6. Email and webchat

We do not guarantee that any email sent to us through the Retiready service or message sent online through the service (webchat) will be received, or that the contents will remain private during transmission. If you are concerned about this, then please consider other means of communication. You will be responsible for ensuring that any electronic message or information you send to us is free from any virus or defect that may harm our systems in any way.

7. Retiready website availability

We do not guarantee that the Retiready website will be available at all times. Further, this Retiready website may be withdrawn at any time without notice. Neither Aegon UK plc nor any other Aegon group company shall be liable in any way if this Retiready website is unavailable or withdrawn.

We reserve the right to remove your access to the Retiready website where we reasonably believe there is fraudulent activity or a security breach, whether or not caused by you.

8. Terms of acceptable use

We make the Retiready website and forms of communication on the Retiready website, such as, email and web-chat available for you to use. Your use of the Website and email and web-chat is subject to you not including and/or uploading any comment or material in an email or webchat that is, or could be construed as being:

• obscene,
• threatening or menacing,
• harassing,
• false, misleading or inaccurate,
• libellous or defamatory of any person,
• deceptive or fraudulent,
• invasive of another's privacy,
• offensive,
• illegal.

We reserve the right, at our sole discretion, to remove your access to the Retiready website and remove any comment or material that if we consider, acting reasonably, or We reasonably believe another person may consider that any such posting, email or webchat contains such comment or material.

9. Social media

Aegon UK has "General social media participation guidelines" that apply to anyone accessing or posting to Aegon UK social media or blogs. Please read the guidelines carefully.

10. General

(a) We have taken care concerning the accuracy and integrity of what is on this Retiready website. However, neither Aegon UK plc nor any other Aegon group company will be liable in any way for any errors and/or omissions concerning what is on, or is omitted from, this Retiready website.

(b) Neither Aegon UK plc nor any other Aegon group company will be liable in any way for the results of any unauthorised access to this Retiready website. Or any unauthorised alteration to this Retiready website.

(c) The terms of, and use of, this Retiready website shall be governed by the law of that part of the United Kingdom in which the user resides.

(d) The pages of this Retiready website may not, in whole or in part, be reproduced, copied, stored, transmitted, or used by any party except for the purpose of downloading for private, non-commercial viewing purposes or where we've given our prior written consent. You must not alter anything on this Retiready website. No material from this Retiready website may be used on any other website and no links may be created to this site without our prior written consent.

(e) We may make changes to the information on this site at any time without updating this page to reflect those changes and neither Aegon UK plc nor any other Aegon group company will be liable for errors, omissions or for information becoming out of date. If you're in any doubt as to the accuracy and currency of any information on this site, or if you require any further information, please contact us.

(f) The Retiready score is intended to give you an indication of whether you are on track to achieve the retirement income you are aiming for – it is not a guarantee and cannot be relied upon. The features of this Retiready website, including the lifestyle planner and Retiready score and any suggested actions we may send to you are for your information only. The actions you take and the amount you need to invest in order to achieve the retirement income you are aiming for depends on a number of different factors. Including, for example;

• how your investment grows,
• the value of other investments you may have,
• inflation,
• charges,
• the age at which you start taking benefits, and
• annuity rates when you purchase a pension.
• You could get back more or less than the amount shown.    

(g) The risk assessment tool we provide on the Retiready website is provided to give you an indication of your attitude to risk. The result provided by the risk assessment tool is not the only consideration that you should take into account when choosing an investment.  

(h) We are not liable for any losses you suffer whether or not the information you put into our website is complete and accurate. 

11. Data protection

Our use of your personal information is governed by our Privacy Statement, which forms part of these terms. Please read the Privacy Statement carefully – it deals with your rights and our obligations in relation to your personal data, including what we can do with it, to whom we may disclose it, together with your rights of access.

12. Products and investments

The full terms and conditions of your Retiready pension and Retiready ISA are contained in the booklet entitled "Contractual documents and Aegon SIPP Scheme basic scheme information for a Retiready Pension" copies of which are available on this Retiready website.