IT IS IMPORTANT THAT YOU READ THIS PAGE. BY ACCESSING THIS SITE, YOU AGREE TO WHAT IS SET OUT BELOW:

1. This site is published by HS Administrative Services Ltd (“HS”) (Registered in England, No 1901744) having its Registered Office at AEGON House, Daresbury Park, Daresbury, Cheshire WA4 4HS (VAT Regn. No. GB 439 7005 42). Member of the AEGON Group.

2. This site is issued in the United Kingdom and is intended for the information and use of United Kingdom residents only.

3. This site is for information only. It is not intended to offer advice and is not to be taken as in any way offering advice.

4. All copyright and other intellectual property rights in all text, images, software and other materials on this site are owned by HS. You are permitted to browse this site and to reproduce extracts of materials contained on the site by way of printing or downloading, solely for your personal, non-commercial use, provided that all copyright, trademark or other proprietary notices are left intact. Please note that any downloading of software or information is done at your own risk. HS does not warrant the suitability of anything that is downloaded and accepts no liability for any problems that may arise as a result. If you are in any doubt about downloading, HS recommend that you take specialist advice before doing so. Except as expressly set out in these terms, no other licence or right is granted.

5. You must not alter anything on this site. No material from this site may be used on any other website and no links may be created to this site without HS’ prior written consent. HS will not be liable for any unauthorised access or alteration to the site.

6. HS does not guarantee that this site will be available at all times. Further, this site may be withdrawn at any time without notice. HS shall not be liable in any way if this site is unavailable or withdrawn. HS has taken care concerning the accuracy and integrity of what is on this site. However, HS is not to be held liable in any way for any errors, omissions or for information becoming out-of-date. If you are in any doubt as to the accuracy and currency of any information contained within the pages of this site, or if you require any further information, you may wish to contact HS.

8. After you leave this site (whether knowingly or not), HS is not responsible in any way for any other pages, websites or other thing that you access, and the results of accessing them. Third party links are provided as a convenience to you. Whilst HS is selective about establishing links, HS does not control and is not responsible for the content of any site linked, or linking to, this site. The provision of a linked website is not evidence of any endorsement by HS of the material held there.

9. HS and the AEGON UK group of companies of which HS forms part, may use any personal data you have given on this site to provide the information requested and to keep you informed of any changes to that information. HS may also use your data to record any sales made from your initial enquiry. Where you have indicated that you would like to receive information on services provided by HS, HS may use your data to contact you by e-mail to tell you about any new services being promoted by HS or the AEGON UK Group. If you contact HS by email HS may store your name and address to facilitate communication. HS will not pass on any personal data to third parties unless you have given consent to this or where HS are required by law to do so.

10. HS do not use cookies on its site.

11. HS will not be liable for any special, indirect, incidental, consequential, or punitive, damages or any other damages whatsoever, whether in an action or contract, statute, tort (including, without limitation, negligence) or otherwise, relating to the use of this site or the information contained in it.

12. HS may modify these terms at any time by including such modified terms on this site. Your continued use of the site will confirm your acceptance of the modified terms.

13. The terms of, and use of, this site shall be governed by the law of England.