www.hymans.co.uk is a site operated by Hymans Robertson LLP ("We"). We are a limited liability partnership registered in England and Wales under LLP registration number OC310282 and have our registered office at One London Wall London EC2Y 5EA.
Hymans Robertson LLP is authorised and regulated by the Financial Conduct Authority and is licenced by the Institute and Faculty of Actuaries for a range of investment business activities.
Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our site without notice (see below). We will not be liable if for any reason our site is unavailable at any time or for any period.
From time to time, we may restrict access to some parts of our site, or our entire site, to users who have registered with us.
When using our site, you must comply with the provisions of our acceptable use policy.
You are responsible for making all arrangements necessary for you to have access to our site. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms, and that they comply with them.
The copyright and other intellectual property rights in the pages of our site, the information and content they contain and their design and layout belong(s) to us and/or our licensors. Certain images are reproduced under licence. All such rights are reserved.
You may print or download pages from our site for your personal, non-commercial use only. Any other reproduction of any part of our site is prohibited.
If you refer to or quote any information on our site you must acknowledge us (and any identified contributors) as the source.
Hymans Robertson, Club Vita, Guided Outcomes, Guided DC, FocalPOINT, CreaTV, eVitaCurves are registered trade marks of Hymans Robertson LLP.
FTSE is a registered trade mark of London Stock Exchange plc.
© 2016 Hymans Robertson, images reproduced under licence. All rights reserved.
Commentary and other materials posted on our site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.
You accept that any modelling tool uses generic assumptions and does not take into account your own personal financial circumstances and therefore should not be relied upon by you. You acknowledge that any modelling tool is for illustrative purposes and is not a substitute for you obtaining independent financial advice. These assumptions are displayed on this website.
We aim to update our site regularly, and may change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material.
The material displayed on our site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:
All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it, including, without limitation any liability for:
This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.
You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack.
By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.
Our site must not be framed on any other site. We reserve the right to withdraw linking permission without notice. The website or application from which you are linking must comply in all respects with the content standards set out in our acceptable use policy.
If you wish to make any use of material on our site other than that set out above, please address your request to firstname.lastname@example.org.
Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.
If you have any concerns about material which appears on our site, please contact email@example.com.
This acceptable use policy sets out the terms between you and us under which you may access our website www.hymans.co.uk(our site). This acceptable use policy applies to all users of, and visitors to, our site.
Your use of our site means that you accept, and agree to abide by, all the policies in this acceptable use policy, which supplement our terms of website use.
You also agree:
We will determine, in our discretion, whether there has been a breach of this acceptable use policy through your use of our site. When a breach of this policy has occurred, we may take such action as we deem appropriate.
We exclude liability for actions taken in response to breaches of this acceptable use policy. The responses described in this policy are not limited, and we may take any other action we reasonably deem appropriate.
We may revise this acceptable use policy at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we make, as they are legally binding on you. Some of the provisions contained in this acceptable use policy may also be superseded by provisions or notices published elsewhere on our site.