- browsing or
- creating an account
on our Site.
www.retiready.co.uk/retirementplanner and www.aegon.co.uk/retirementplanner is a website provided by Scottish Equitable plc and Aegon Investment Solutions Ltd (“we”, “our” or “us”).
- Scottish Equitable plc is a company registered in Scotland under company number SC144517, with our registered office at Edinburgh Park, Edinburgh, EH12 9SE. Our VAT number is 502229195.
- Aegon Investment Solutions Ltd is a company registered in Scotland under company number 394519, with our registered office at Edinburgh Park, Edinburgh, EH12 9SE. Our VAT number is 502229195.
1. Information, not advice
This Site provides information about our Aegon products only and is not in any way an offer to sell our products or services. The Site gives you the opportunity to submit an instruction to us to take your retirement benefits from your policy with Aegon.
Nothing on this Site, (nor any information in any communication you receive from us) should be regarded as financial or legal advice, nor does it constitute advice on the suitability of a particular retirement benefit option or options for you. We do not accept any liability for any decision made by you on the basis of any information provided. You should seek relevant professional advice or guidance before proceeding with any retirement benefit option.
2. Leaving the Site
Where our Site contains links to other websites and resources provided by third parties, those links are provided for your information only. We have no control over these sites and resources and we do not accept any liability for your use of any third party websites and/or resources.
We are not responsible for the security of the content of any third party websites or resources which are linked from this Site.
3. Intellectual Property Rights
All intellectual property rights in this Site (including in the trade marks) and in the materials published on it, are owned or licensed by us, Aegon UK plc or other Aegon group companies. All such rights are reserved and our status as authors (and that of any identified contributors) of content on our Site must always be acknowledged.
You must not alter any digital or paper copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video, audio, or any graphics separately from any accompanying text.
You must not use any part of the content on our Site for commercial purposes without obtaining a licence to do so, from us or our licensors.
4. Licence of Content
By uploading or posting any materials or content, including but not limited to, photographs, text, opinions, videos, graphics and comments (the “Content”):
(i) to the Site
(ii) to any related social media pages or
(iii) via any webchat
you are granting a perpetual, irrevocable, worldwide, non-exclusive, royalty-free, transferable and sub-licensable licence to us, Aegon UK plc and all other Aegon group companies to use, amend, reformat, reproduce, distribute, prepare derivative works of, display, and perform that content, for any purpose deemed necessary by us.
5. United Kingdom residents
This Site is intended for the information and use of United Kingdom residents, who are aged 18 or over only.
By using this Site, you confirm and agree that you are 18 years old or over and that you will not upload any Content containing the personal data of:
(i) any individual, without their express consent, prior to upload and/or
(ii) any individual who is under the age of 16, unless you have obtained that individual’s parental consent, prior to upload.
We will provide information on the Site in English only.
6. Downloading information
Please note that the downloading of software or information by you from our Site is done at your own risk. We do not warrant the suitability of any content that is downloaded and we (Aegon UK plc or any other Aegon group company) accept no liability in relation to such downloaded content, software or information.
7. Email and webchat
We do not guarantee that any communication sent to us through the Site will be received by us or that the contents will remain secure and confidential during transmission. You will be responsible for ensuring that any message or information you send to us is free from any virus or defect that may harm or have a detrimental effect on our systems in any way.
8. Site availability
We do not guarantee that the Site will be available or uninterrupted at all times. Further, this Site may be withdrawn at any time without notice. We, Aegon UK plc or any other Aegon group company shall not be liable in any way if this Site is unavailable or withdrawn.
9. Terms of acceptable use
Your use of the Website (and communications) is conditional on you not submitting and/or uploading any comment or material that is, or could be considered to be:
- threatening or menacing
- false, misleading or inaccurate
- libellous or defamatory of any person
- deceptive or fraudulent
- invasive of another's privacy
- offensive or
We reserve the right to remove your access to the Site and remove any comment or material that we reasonably consider or believe is offensive or otherwise.
10. Social media
We have “General Social Media Participation Guidelines” that apply to anyone accessing or posting to any Aegon website, social media or blogs (the “Aegon Sites”). Please read the guidelines carefully as these will apply to you if you use any Aegon Sites. The document is available by clicking here: [insert link].
We do not guarantee that our Site will be secure or free from viruses.
You shall use your own virus protection software when accessing our Site and you are responsible for ensuring that your own technology (including software) is able to access and use our Site.
You agree that you shall not misuse our Site by deliberately introducing viruses, Trojans, worms, logic bombs or other material which is malicious or harmful to our Site.
You must not attack our Site by way of any type of deliberate attack (including, but not limited to, denial-of-service or distributed denial-of service). A breach of this provision is a criminal offence under the Computer Misuse Act 1990 and will be reported by us to the relevant authorities for investigation. We will co-operate with those authorities by disclosing your identity to them. If you breach these provisions, your right to use our Site will terminate immediately.
a) We have taken reasonable care concerning the accuracy and integrity of what information is on this Site. However, we, Aegon UK plc or any other Aegon group company will not be liable in any way for any errors and/or omissions concerning what is on, or is omitted from, this Site. We may make changes to the information on this Site at any time without updating this page to reflect those changes. 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 at the email address below.
b) You must not try to gain unauthorised access to our Site, our servers or any other server, computer or database connected to our Site. We, Aegon UK plc or any other Aegon group company will not be liable in any way for the results of any unauthorised access to this Site or any unauthorised alteration to this Site.
c) No material from this Site may be used on any other website and no links may be created to this Site, without our prior written consent.
d) You acknowledge that any amount you get back (in relation to your investment or otherwise) could be more or less than the amount calculated by the tools on our Site.
e) We, Aegon UK plc or any other Aegon group company will not be liable for any losses whatsoever that you suffer in relation to your use of the tools and features on our Site, whether or not the information you have provided to our Site is complete and accurate.
13. 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 [add in link] 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 to such information.
14. Applicable Law
15. Contact Us
There are various ways in which you can contact us