Website terms and conditions of use (the "Terms and Conditions")

Please read these terms and conditions carefully. Together with our Privacy Policy, they govern our relationship with you in relation to the use of this website (the "Website").

Please read these terms and conditions and our privacy policy carefully as your use of this website constitutes acceptance of these terms and conditions and the privacy policy.

The following Terms and Conditions together with our privacy policy (“Terms”) govern your use of this website.  In these Terms “HUB ”, “us”, “we” or “our” means one or more of the applicable companies set out in the “Important Information” section of the website which are collectively referred to as HUB Group and which may offer products or services on this Website and “you” and “your” means the individual (acting in their own capacity or on behalf of their employer) using this website.


1 Terms governing your use of this website

1.1 Your use of this Website constitutes acceptance of these Terms. If you do not agree to our Terms, you must not use this website.

1.2 We reserve the right, at our discretion, to modify, add to or remove any of the Terms by updating this page at any time. You should check this page to ensure you are happy with any changes. Your use of this website following any revision of these Terms constitutes your acceptance of those changes.

1.3 When you visit this website, or send emails to us, you are communicating with us electronically and we will communicate with you by email or by posting notices on this website. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. However any legal notification provided by you will not be valid unless it is posted by first class mail or by Special Delivery and addressed to the Legal Department at the applicable registered address shown on the Important Information section of the website.

Any such notice shall be deemed to be received

a) in the case of first class mail, on the second day after posting; and

b) in the case of Special Delivery, 24 hours from the date of posting.


2 Intended audience

2.1 This website is controlled and operated by us from the United Kingdom and is solely for use by UK residents only. It may not be used by any other third party or commercial organisation without our prior express written consent.

2.2 We make no representation that any material contained on this Website is appropriate for any other jurisdiction. Should you choose to access this website from any location other than the United Kingdom, you are responsible for compliance with all applicable local laws.


3 Licence granted to you

3.1 We grant you a non-exclusive licence to use this website in line with the Terms.

3.2 We may terminate this licence at any time if you are in breach of any of the Terms or otherwise at our absolute discretion.


4 Copyright and trade marks

4.1 This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance, graphics and any documents on this website as well as any other content. It is protected by intellectual property laws including, but not limited to, copyright.

4.2 Unless otherwise stated, all rights in any information which appears on this website (including the screen displays, the content, the text, graphics and look and feel of this Website) belong to a HUB Group company or our licensors.

4.3 Unless specifically prohibited by a notice published on any page, you may print a copy of such parts of the pages of this website as you may reasonably require for your own personal non-commercial use provided that any copy has attached to it the relevant proprietary notices and disclaimers.

4.4 All non-HUB trademarks, service marks, company names or logos are the property of their respective holders. Any use by you of these marks, names and logos may constitute an infringement of the holders’ rights.

4.5 You may view, use, download and store the material on this website (including any forms) for internal business use and any other permitted purpose that has been specified on this Website. Any other use is not permitted.

4.6 Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.


5 Liability

5.1 By entering this Website, you acknowledge and agree that the use of this website is at your own risk and to the extent permissible by applicable law, in no circumstances, including (but not limited to) breach of contract or negligence, shall we be liable for any direct, indirect, incidental, special, consequential, or punitive damages, losses, costs or expenses nor for any loss of profit that results from the use of, or inability to use this site or any material on any site linked to this site (including but not limited to any viruses or any other errors or defects or failures in computer transmissions or network communications) even if we have been advised of the possibility of such damage. In addition, we are not liable for any changes made to the content of this site by unauthorised third parties. All express or implied warranties or representations are excluded to the fullest extent permissible by law. HUB Financial Solutions’ maximum aggregate liability to you for losses or damages suffered in respect of any claims arising from the use of this website shall not exceed an aggregate sum of ten pounds GBP (£10.00).

5.2 Nothing on this website shall be deemed to constitute financial or other advice. If advice or guidance is required in respect of HUB Group products or services, please contact us as directed on this website.

5.3 Any software is downloaded at your own risk. If you are in any doubt as to the suitability of the software to be downloaded for your computer it is recommended that you obtain specialist advice before downloading it.


6 Other sites

6.1 This website may contain links to other websites. We accept no responsibility or liability for the content of any other websites that are linked to or from this website and that are not under our strict control. Such external sites may be governed by their own terms of use and privacy policy.

6.2 Any link is not intended to be, nor should be construed as, an endorsement of any kind by us of that other website. It is your responsibility to check the terms and conditions and privacy policy on any other website which you visit. We exclude all warranties and all liability for any loss or damage you incur as a result of your use of such sites.

6.3 You may not create a link to this website from another website or document without our express written permission.


7 Contracting with us online

7.1 Nothing on this website is intended to be nor should be construed as an offer to enter into a contractual relationship with you or anyone else, except for the Terms which govern the relationship between us in relation to your use of this website.

7.2 If you make a contract with a third party which is named or referred to in this website, it is your responsibility to ensure that you are happy with that contract and to take legal advice if necessary.


8 Privacy

8.1 Our privacy policy can be accessed from this link.


9 Site availability

9.1 To the extent permitted by applicable law, we do not warrant that this website will be available at any time.


10 Accuracy of information

10.1 The information contained in this website is based on up to date information and while we make all reasonable efforts to ensure that material on this website is correct, current and complete at the date of publication, accuracy cannot be guaranteed. We make no warranties or representations (express or implied) as to the accuracy, currency or completeness of any information or material referred to on this website.


11 Financial Conduct Authority and redress

11.1 Nothing in these Terms shall exclude limit or restrict our responsibility to you under the Financial Services and Markets Act 2000 and any subsequent amending or replacement regulations or legislation which regulates the carrying out of investment or financial business in the United Kingdom or any conduct of business rules which we are bound to comply with.

11.2 Telephone calls may be recorded and/or monitored with the aim of improving our services to you.


12 Complete agreement

12.1 These Terms contain all of the terms which govern your use of this website.


13 Severability

13.1 If any part of these Terms are, at any time, found to be invalid by a court, tribunal or other forum of competent jurisdiction, or otherwise rendered unenforceable, that decision shall not invalidate or void the remainder of these Terms.

13.2 These Terms shall be deemed amended by modifying or severing such part as necessary to render them valid, legal and enforceable while preserving their intent, or if that is not possible, by substituting another provision that is valid, legal and enforceable that gives equivalent effect to the parties’ intent. Any such invalid or unenforceable part or parts shall be severable from these Terms, or the validity of the part(s) in question in any other jurisdiction shall not be affected thereby.


14 Governing law

14.1 The formation, existence, construction, performance, validity in all aspects whatsoever of these Terms or any dispute in relation to the services or the materials contained in this website shall be governed by the laws of England and Wales and the English courts shall have exclusive jurisdiction in any dispute.


15 Complaints or queries

15.1 If you wish to complain about any aspect of the service you have received from  HUB Financial Solutions Limited, you can contact our Quality Assurance Team.

Telephone: 01737 233297

Email : QATJRL@wearejust.co.uk

Or write to: The Quality Assurance Team, HUB Financial Solutions Limited,  Enterprise House, Bancroft Road, Reigate, Surrey, RH2 7RP

15.2 If you wish to complain about any aspect of the service you have received from HUB Pension Consulting (a trading name of HUB Financial Solutions Limited), you can contact the complaints team:

Telephone: 020 8189 6000

Email: complaints@hubpc.co.uk

Or write to: Complaints, HUB Pension Consulting, Lonsdale Gate, Lonsdale Gardens, Tunbridge Wells, Kent, TN1 1NU 

15.3 HUB Financial Solutions Limited is covered by the Financial Ombudsman Service (FOS). This means that if you’re not happy with the way we have handled your complaint or you’re unhappy with a final response, you can refer it to the FOS within the following timescales:

  • If you haven’t received a final response and it’s been eight weeks since we received your complaint.
  • Within six months of being sent your final response letter or your Summary Resolution Communication.

The FOS service was set up by law to provide consumers with a free, independent service for resolving disputes with financial firms.  You can visit the Financial Ombudsman Service website at http://www.financial-ombudsman.org.uk/.