It's important that you read this page. It contains important information. This page together with the documents referred to on it (the "Terms of Service") contain the terms and conditions by which you may use the Site (as described below).
Please read these terms of service carefully before you start to use the Site, as these apply to your use of our Site, whether as a guest or a registered user. Use of our Site includes:
- browsing or
- creating an account
on our Site.
By using or accessing the Site, you accept and agree to comply with these Terms of Service. If you do not agree to these Terms of Service, you must not use the Site. We recommend that you print a copy of these terms for future reference.
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
After you leave the Site (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 the content of any non-Aegon websites which are linked to from the Site. Any link is not intended to be, nor should be construed as, an endorsement of any kind by us.
3. Copyright and trademarks
We grant you a revocable right to use the Site for your personal (non-commercial) use in accordance with these Terms of Service.
Copyright in the Site, any trademarks displayed on the Site, and all other logos and trading names, text, photographic and video images, sound recordings, and the design, layout and appearance of and graphics contained within the Site, are owned by Aegon UK plc or other Aegon group companies. All rights reserved.
You agree that you will not use any of the foregoing for any purpose whatsoever, except for the use of the Site as permitted under these Terms of Service.
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
The Site is intended for the information and use of United Kingdom residents, who are aged 18 or over, only. We will provide information on the Site only in English. By using the Retiready website you confirm that you are a United Kingdom resident aged 18 or over.
6. Downloading information
Please note that the downloading of software or information by you from the Site 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.
7. Email and webchat
We do not guarantee that any email or web-chat communication sent to us through the Site will be received by us 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, and that you are otherwise complying with clause 9 (Terms of acceptable use) below.
8. Site availability
We do not guarantee that the Site will be available at all times. Access to the Site is permitted on a temporary basis. Further, we reserve the right to withdraw the Site at any time without notice. Neither Aegon UK plc nor any other Aegon group company shall be liable to you or any third party in any way if the Site is unavailable or withdrawn at any time or for any period.
We reserve the right to suspend or terminate your access to the Site where we reasonably believe you have breached these Terms of Service, or there is fraudulent activity or a security breach (whether or not caused by y.
Where you have breached these Terms of Service, you acknowledge that we may also (i) take legal proceedings against you for reimbursement of our costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach; (ii) take any further legal action against you; and/or (iii) disclose such information to law enforcement authorities as we reasonably feel is necessary.
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; and/or
You also agree that you shall not:
- do anything which may cause (whether on purpose or not) the introduction or spread of a virus, Trojan horse, logic bombs, spyware or any other programs designed to affect the operation of any computer software or hardware;
- attempt to gain unauthorised access to the Site, the server on which the Site is stored or any server, computer or database connected to the Site;
- attack the Site via a denial-of-service attack or a distributed denial-of-service attack;
- act dishonestly or unprofessionally;
- create a false identity on the Site;
- link to the Site:
- in a way that damages our reputation or takes advantage of it;
- in a way that suggests any form of association, approval or endorsement on our part where none exists;
- where the website does not belong to you; or
- where we have otherwise withdrawn permission to link to the Site;
- sell, rent, lease, redistribute, broadcast, publicly display, transmit, communicate, modify, sub-license or transfer or assign any part of the Site, or your rights to the Site (under these Terms of Service) to any third party;
- infringe the rights of us or of any other user of the Site, or any other third party: or
- use the Site unlawfully or fraudulently at any time.
(together, the "Fair Use Terms").
We reserve the right, at our sole discretion, to suspend or terminate your access the Site and remove any comment or material if we consider, acting reasonably, or we reasonably believe another person may consider, that (i) any such posting, email or web-chat contains such comment or material, or (ii) that you have breached our Fair Use Terms.
10. Social media
Aegon UK has “General Social Media Participation Guidelines” that apply to anyone accessing or posting to any Aegon website, social media or blogs. Please read the guidelines carefully as these will apply to you in these circumstances.
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 of Service. 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 to such information.
14. Products and investments
We make products and services available to you that you can access via the Site. The terms and conditions of the Retiready ISA, the Retiready pension and the platform services that we provide in respect of these products are contained in a separate document entitled “the Retiready terms and conditions”. Copies of this document is available via the Site but those terms and conditions and the products and services to which they relate are separate from these Terms of Service.
15. Client categorisation
Aegon categorises all of our clients as ‘Retail clients’ under the Financial Conduct Authority rules for all services and transactions. This helps us to make sure that you receive the appropriate disclosure documents from us and that you are made aware of everything you need to know in a timely fashion.
16. Applicable Law
17. Contact Us
There are various ways in which you can contact us.