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Privacy Policy

PERSONAL DETAILS AND DATA PRIVACY

Your privacy is important to us, we have a strict confidentiality policy and don't share your contact details.

The personal details which you submit to us (Personal Data) are held by Annuity Helpdesk for its own use. It is your responsibility to ensure that your Personal Data is accurate and up to date and to inform us of any changes that need to be made. Annuity Helpdesk may use the Personal Data for the purposes they have notified to the Information Commissioner's Office. By submitting your Personal Data you CONSENT to it being processed by Annuity Helpdesk.

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DATA PROTECTION

I/we confirm that I/we have the consent of any third party whose details I/we may disclose to Annuity Helpdesk ("You") to disclose such details and to authorise You and the third parties referred to in the paragraph below to process such details for the purposes of assessing my/our application and administering and enforcing any subsequent financial service which may be granted to me/us.

I/we agree that You and any adviser resulting from this application (the "adviser") shall be entitled to use and process, by any medium, the information given by me/us in this enquiry form and any other information about me/us which may be acquired during the lifetime of any enquiry ("the Data") for the following purposes:-

i. to provide the Data to and search the files of one or more credit reference or fraud prevention agencies whether before, or during the lifetime of any financial service granted to me/us by the adviser, who will keep a record of such search, to confirm the Data, and for the purposes of credit assessment or account administration. I/we understand that You and /or the adviser will record false or inaccurate information if this is given by me/us and fraud is suspected.

ii. To disclose the Data to credit reference agencies when requested by them for consideration of any future applications for finance made by me or members of my household/family, or for fraud prevention and/or tracing debtors (the agencies may also disclose the Data to other advisors for these purposes)

iii. to disclose the Data to any other company within the adviser's group of companies and/or to any third parties (for example, debt counsellors and insurers) at any time for the purposes of assessing my/our application and administering and enforcing any subsequent financial service whether during the course of my/our application or during the lifetime of any financial service granted pursuant to such application;

iv. to disclose the Data to any third party who replaces or who may replace my/our adviser.

PREVENTION OF MONEY LAUNDERING

The adviser and other organisations may use and search the records of credit reference or fraud prevention agencies to check your identity to prevent money laundering, unless you have furnished other satisfactory proof of identity.

RIGHT OF SUBJECT ACCESS

Information held by us will be processed only for purposes for which we have registered under the Data Protection Act. Upon you making a request in writing we will provide you with a copy of the information which we hold concerning you on payment of a fee.

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Terms and Conditions

HEADINGS

Headings are for reading convenience only and are not to be used in the interpretation of this agreement.

USE OF ANNUITY HELPDESK

The material on the Annuity Helpdesk site is for general information only and does not constitute investment, legal, tax, or any other form of advice. You must always obtain independent, professional advice for your own particular situation.

Use of the Annuity Helpdesk ("we", "us", "annuityhelpdesk.co.uk") website ("the site") constitutes acceptance of the Annuity Helpdesk Website User Agreement ("the agreement") and Terms of Use ("terms"). The user of the site ("you") represent that you have read and understood these terms and agree to be bound by them.

If you don't accept to all the terms and conditions on this page, please don't use the Annuity Helpdesk site. Use of any internal or external links on the Annuity Helpdesk site constitutes acceptance of the terms on this page. If you don't accept with these terms, please exit this site by closing the browser window.

The terms "Annuity Helpdesk", "Annuity Helpdesk", "annuityhelpdesk.co.uk" encompass the Annuity Helpdesk Internet Site and Marketing Communications.

AVAILABILITY OF SERVICE

Any guidance contained within this site is subject to the UK Financial Services Authority regulatory regime and is therefore restricted to consumers based in the UK.

We don't warrant or guarantee that the Annuity Helpdesk site will be uninterrupted or error-free.

LINKS AND SITE CONTENT

We don't make any warrant or guarantee, either expressed or implied as to the accuracy, validity, completeness, suitability, reliability, or currency of any information content within its site or sites to which it is linked to. Links to other websites are provided solely as a resource guide and don't represent an endorsement or guarantee, either expressed or implied. The Annuity Helpdesk site does not assume any liability for any of the products, services, or data of any other sites. It is the responsibility of the user to evaluate the information, opinion, advice, or other content contained within the site. We cannot be held responsible or liable for any loss or damage due to reliance on information obtained through the Annuity Helpdesk site.

INDEMNITY

In order to use this site you must agree to be legally bound and to abide by the terms and to indemnify and hold the operators of the Annuity Helpdesk site harmless from all alleged or actual damages, claims and expenses relating to any warrant, guarantee or representations made by the individual service providers featured within this site or linked websites. This also includes, without limitation, lawyer's fees. The use of this site for any reason is deemed to be an agreement of this condition.

DISCLAIMERS

Bearing in mind that this is a free "public access" site, it is a condition of use of the site and the materials in it that use is at the user's own risk. We give no representation or warranty as to the accuracy of the content of the site and assume no responsibility for errors or omissions in it or the effect it has upon your computer. We disclaim all liability in respect of such information and its provision. Neither Annuity Helpdesk nor any of the site's administrators, editors or contributors shall be liable for any loss or damages suffered as a result of any use of the site, including but not limited to direct loss, consequential loss and loss of profits. We don't assume, and therefore disclaim, any liability for any loss or damage caused by errors or omissions.

Annuity Helpdesk is provided on an "as is" and "as available" basis. We shall not be liable for any direct, indirect, incidental, special, or consequential damages. This includes, without limitation and even if we are advised of the possibility thereof, any damages for loss of goodwill or any and all other commercial damages or losses including loss of profit, that result from the use of, or inability to use Annuity Helpdesk.

INFORMATION INDEMNITY

The Annuity Helpdesk website contains information pertaining to annuities and alternatives to annuities such as income drawdown, phased retirement and unsecured pensions. The user agrees not to rely on any information obtained from the Annuity Helpdesk site and indemnifies us from mistakes, omissions, errors, interruptions, delays of service or performance, defects, harmful components, viruses and bugs, howsoever caused. Personal information sent to Annuity Helpdesk UK is at the senders own risk.

SEVERANCE

If a term, covenant, provision, or condition of this agreement becomes, or shall be held by any court of competent jurisdiction to be against public policy or illegal, all remaining provisions of this agreement shall remain in full force and effect and unaffected, impaired or invalidated by this decision. The invalidated item shall be modified by the parties to the full extent possible to carry out all the intentions and directives stated in this agreement.

GOVERNING LAW

Any such contract will be interpreted, construed and enforced in all respects in accordance with the laws of England, and you and Annuity Helpdesk irrevocably submit to the non-exclusive jurisdiction of the English Courts.

This agreement is governed by English law and all disputes will be handled solely in the United Kingdom. English Courts will have jurisdiction in respect of it. You consent to such venue and jurisdiction. The Annuity Helpdesk site is controlled and operated from offices in the United Kingdom and makes no representations or warranties that its content or use is legal in other locations.

VARIATION

Whilst it is not our intention to do so, the operators of the Annuity Helpdesk Website reserves the right to change its policies and terms at any time. Any such changes will be posted on this page. We don't assume, and therefore disclaim, any liability for any loss or damage caused by errors or omissions.

Annuity Helpdesk is not associated with other companies who own similar sounding names. Please be aware that other sites with no connection to Annuity Helpdesk may be available with misspelled versions of the Annuity Helpdesk name with derivations such as Pension Annuitie Helpdesk, Anuities Helpdesk, Anuity Helpdesk, Annuitys Helpdesk, etc.

COPYRIGHT NOTICE

Design: Gen. The Annuity Helpdesk site is not associated with other companies or websites who own or trade under similar sounding names or with similar design. © Content Copyrighted.

CONTACT INFORMATION

Please address all questions through the contact form below. Only authorised brokers themselves can offer support through personal contact.

If you need to contact us about business, website or operational queries, please click here.

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