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Legal Disclaimer

1. Terms of use

1.1 This website www.curtisbanks.co.uk (the “Site”) is provided to you by Curtis Banks Ltd. By entering the Site, you acknowledge your agreement with and understanding of the following terms of use pertaining to the Site, including all material and information thereon.

1.2 Curtis Banks Ltd (registered in England with number 6758825), operates and administers self-invested personal pension (“SIPP”) products, small self-administered scheme (“SSAS”) products and similar pension products. Curtis Banks Ltd is the operator and scheme administrator of the Curtis Banks SIPP. Colston Trustees Limited (registered in England with number 6867955) is the trustee of the Curtis Banks SIPP. The registered address of both companies is 3 Temple Quay, Temple Back East, Bristol, BS1 6DZ.cols

1.3 Curtis Banks Ltd is registered with the Financial Conduct Authority (“FCA”), (FCA Number:492502) and is authorised and regulated by the FCA under the Financial Services and Markets Act 2000 of the United Kingdom (as amended from time to time).

1.4 The information and material contained on the Site are the copyright of Curtis Banks Ltd. Nothing on the Site shall be interpreted as granting any licence to use any image, trademark, logo or service mark on the Site. Copying or downloading material from the Site does not transfer title to any material on the Site to you. Anything transmitted to the Site by you becomes the property of Curtis Banks Ltd and may be used by us for any lawful purpose. Curtis Banks Ltd reserves all rights with respect to copyright and trademark ownership of all material on the Site, and will enforce such rights to the full extent of the law.

1.5 The contents of the Site have been prepared solely for information purposes. No investment or tax advice is being given in the Site. Nothing on the Site should be regarded as an offer or solicitation to buy or seek any pension products we may offer or as a comment on the merits of engaging in any pension investment transaction or activity or an inducement to do so. Statements on the Site are subject to change and correction without notice and no responsibility is accepted for the contents of the Site by Curtis Banks Ltd. Independent advice should be sought where appropriate.

By accessing and using the Site you will be deemed to have read, understood and accepted these terms of use. If there is anything that you do not understand then please contact us.

2. Risk Warning

2.1 The contents of the Site are provided for information purposes only and do not constitute investment advice, legal or professional advice. Curtis Banks Ltd does not warrant the accuracy, reliability or completeness of the materials or information contained on the Site, either expressly or impliedly, for any purpose. Curtis Banks Ltd expressly disclaims, to the fullest extent permissible by law, any implied warranties or merchantability, satisfactory quality of fitness for purpose.

2.2 Curtis Banks Ltd accepts no responsibility or liability for, and makes no warranties that, functions contained on the Site from time to time, will not be interrupted or error-free, that defects will be corrected or that the Site is free from viruses or other malicious software. Curtis Banks Ltd does not give any guarantee and/or warranty as to the accuracy, timeliness or completeness of any information or material on the Site. In no event will Curtis Banks Ltd, or any of its affiliates, be liable to you for any direct, special, indirect, consequential, incidental, punitive or exemplary damages or other damages of any kind arising out of or in connection with the use, copying or display of the content contained in the Site, or any External Sites (see 3.1).

2.3 Curtis Banks Ltd does not represent that (i) any of the materials on the Site; (ii) any pension products or pension administration services that may be referred to on the Site or (iii) anything else whatsoever on the Site, are appropriate for use by all persons or permitted by local laws in all jurisdictions or by all investors. If you access the Site you do so at your own initiative and are responsible for compliance with applicable local laws and regulations. You should seek your own legal advice if you are in doubt. None of the materials or pension investment and administration services offered are available to persons resident in any jurisdiction where this would be contrary.

2.4 The products referred to on this Site may have tax consequences for which independent professional advice should be sought. Curtis Banks Ltd does not offer investment or tax advice.
Any reference to taxation in this website is based on our interpretation of current UK tax law and practice and does not constitute independent advice.

2.5 Past performance is not indicative of future result; the markets and applicable legislation may change and the value of your pension fund may fall as well as rise and you may not get the amount invested. No representation is being made that the current tax benefits will remain or that your SIPP or SSAS will make (and not lose) money. The information provided is for general guidance only. If you are unsure whether our products are suitable for your requirements, it is recommended that you speak to an independent financial adviser.

The Site is provided “as is” and “when available” and your use of the Site is at your own risk. You agree that the Site is provided to you without any conditions or warranties (whether express or implied).

3. External Sites

3.1 The Site contains links to external websites (“External Sites”) that are not under our control. If you leave the Site via a link contained in the Site, and view material that is not provided by Curtis Banks Ltd, you do so at your own risk. The provision of these links by Curtis Banks Ltd does not constitute authorisation or sponsorship of, an endorsement by, or an affiliation with such External Sites. The content of External Sites has not been developed, checked for accuracy or otherwise reviewed by Curtis Banks Ltd. Curtis Banks Ltd accepts no responsibility for the content or the use of External Sites and is not responsible for damages or loss caused by any omissions that may exist in the information or other content provided, whether actual or consequential.

4. Data Security and Data Protection

4.1 If you choose to have your SIPP or SSAS administered by us, you will have password and log-in details to the ‘Investors area’ of our website, which will contain personal information about you and your pension scheme (your “Personal Data”). This section sets out the practices Curtis Banks Ltd has in place to protect the security and integrity of your data.

4.2 Processing of your data will be conducted in compliance with all laws and regulations to the extent applicable, including the Data Protection Act 1998 (the “Act”). Your privacy is important to us. Accordingly, we have put in place measures to ensure that any Personal Data that we obtain from you in connection with your usage of the Site are processed in accordance with the accepted principles of good information handling and the guidance of the Information Commissioner’s Office. Please request a copy of our data protection policy and privacy policy if you require more information.

4.3 Curtis Banks Ltd is a registered data controller for the purpose of the Act. By submitting your Personal Data to us and by using the various facilities on the Site, you agree that: Any information we hold about you can be held on computer and/or paper files.

4.4 Generally we will not share your Personal Data with any third parties without appropriate consent. However, any information you give us, may be disclosed to selected third parties or group companies for the purpose of administration or as permitted by law. Please note we will not arrange to involve a third party unless the security and confidentiality of your Personal Data is assured. You are solely responsible for the security of your password and log-in details to the ‘Investors Area’.

4.5 We may use the information we have about you to contact you by post, fax, e-mail or telephone to bring to your attention additional products or services, which may be of interest to you. However, if you prefer not to receive such information you may withdraw your consent by contacting us.

5. Modification

We may revise the terms of this disclaimer (including our privacy policy for dealing with your personal data) to meet our evolving business needs and any change in legislation. Therefore you should review this disclaimer very time you visit the website.

6. Governing Law

The terms of this disclaimer are legally binding upon you and shall be governed by and construed in accordance with the laws of England and Wales.

©2009 Curtis Banks Ltd.

If you have any queries about anything in this document or on the Site, you should call us on (0117) 910 7910, email us on enqs@curtisbanks.co.uk or write to us at: Curtis Banks Ltd, 3 Temple Quay, Temple Back East, Bristol, BS1 6DZ