Selectapension is a service provided to professional financial advisors and persons acting under the delegated authority of them. It is operated by Selectapension Limited whose registered office is at:

Selectapension House,
Eridge Road,
East Sussex,

By subscribing to the Selectapension service you agree to be legally bound by these terms and conditions.

1. Definitions

Business Day’ means any of Monday to Friday, from 9 am to 5 pm inclusive, but excluding bank and other public holidays in England and Wales.

‘Commencement Date’ means the date upon which we authorise you and your named users to access and use Selectapension by releasing the initial password to you.

‘Contract’  means the arrangement between buyer and seller, comprising the written or verbal purchase order or online order form, these terms and any other documents specified in the purchase order.

‘Customer, client’ means your customer or client for whose benefit you are using the Selectapension service.

‘Data Protection Laws” means

  1. Up until 25th May 2018, the Data Protection Act 1998
  2. On and from 25th May 2018, unless and until no longer directly applicable in the UK,  the General Data Protection Regulation (EU) 2016/679 (GDPR) and any national implementing laws, regulations and secondary legislation, as amended or updated from time to time in the UK and then
  3. Any successor legislation to the GDPR or the Data Protection Act.

 ‘GDPR’ means General Data Protection Regulation (EU) 2016/679 (GDPR).

‘Intellectual Property Rights’ means all intellectual property and related rights of any nature whatsoever throughout the world for the full duration of the same including, without limitation: (i) all patents, registered or unregistered designs or unregistered trade marks, service marks, copyrights, designs, utility models, design rights and any and all applications for registration of any of the same where ever made; (ii) computer software and database rights of any nature, semi-conductor topographies and know-how; and (iii) any right or interest in any of the foregoing together with any applications or any similar or equivalent rights arising or subsisting throughout the world.

‘Privacy Policy’ means the privacy policy for Selectapension, as amended from time to time.

‘Selectapension Limited’ is company number 05075441, incorporated in England and Wales.

‘Supplier’ means a provider of information to Selectapension.

‘Terms’ means these terms and conditions as amended from time to time.

‘User’ means a person or entity authorised by Selectapension Limited to access all or part of the Selectapension software.

‘Website, site, Selectapension’ means the internet based platform service operated by Selectapension Limited under the name “Selectapension” at

‘We, us, our, ourselves, seller’ means Selectapension Limited.

‘You, your, buyer’ means you, your company, partnership or other business entity entering into a contract with us to use Selectapension software.

2. Parties

“Selectapension, our, us or we” means Selectapension Limited and its agents and employees and any person to which the rights and/or obligations of Selectapension are transferred or assigned.

“You, your or yourself” means you, the person specified as the user in the registration form.

“Sponsor” means a product provider of financial services products or strategic partner within the community.

3. Service

3.1 Selectapension is an internet based platform service provided to professional financial advisers and persons acting under their delegated authority. It is operated by Selectapension Limited.

3.2 Subject to the payment of the applicable fees, we grant to you from the commencement date a non-exclusive, non-transferable licence (without rights to sub-licence) to have access to and use of Selectapension software.

3.3 We may grant a temporary licence without fee to allow you to take a trial of Selectapension.

3.4 The user licence permits use of the service by the named user only and cannot be used in conjunction with any third-party advisers without prior and express consent from Selectapension. Shared use of a licence is prohibited.

3.5 A standard Selectapension licence does not permit usage for the purpose of a ‘Pension Transfer Bureau’ or ‘Pension Transfer Service’.

3.6 The licence cannot be used to directly or indirectly compete with Selectapension Limited or the Selectapension group of companies, without the prior written consent of Selectapension.

3.7 ‘Fair use’ applies to all licences to ensure the service remains available to all users. Whilst for a ‘standard’ licence there is no cap on usage, Selectapension monitors usage on a monthly basis and reserves the right to either suspend or re-negotiate licence costs, should it be deemed that usage exceeds that expected from standard use of a licence.

3.8 A Service Provider or Life Office Licence permits use of the service for strict internal use and you will not provide any financial advice to clients based on it.

4. Duration and Termination

4.1 Selectapension is supplied in return for either monthly or annual payments in accordance with our price list.

4.1.1  If you pay annually, you enter an initial 12 month contract which you may terminate at any time after the first 12 month period by giving one months’ notice in writing by hand or post; or by email confirmed as having been received.  The notice period is not deemed to have begun until we have received the written notice.

4.1.2  If you pay monthly, you enter a 12 month contract which rolls forward indefinitely and which you may terminate at any time after the first 12 months by giving one months’ notice in writing by hand or post; or by email confirmed as having been received. The notice period is not deemed to have begun until we have received the written notice.

4.1.3  If you purchase an additional product or service, you enter a new 12 month contract for the new product or service which rolls forward indefinitely and which you may terminate at any time after the first 12 months by giving one months’ notice in writing by hand or post; or by email confirmed as having been received. The notice period is not deemed to have begun until we have received the written notice.

4.2 Selectapension Limited reserves the right selectively to suspend user access to the website at any time during the investigation of a suspected breach of our terms and conditions.

4.3 Without prejudice to any right or remedy Selectapension Limited may terminate a user’s access to the website forthwith in the event of material breach by the user of any of these terms.

4.4 In any event, Selectapension Limited may terminate a user’s access to the website at any time upon one month’s notice to you.

4.5 On the termination of access to the website howsoever arising, you the user must immediately cease using any copies of any Selectapension Limited software applicable to the website in your possession or control.

4.6 Termination by either party howsoever arising shall be without prejudice to all rights and obligations accrued prior to termination.

5. Prices

5.1 Payments must be in pounds sterling unless agreed otherwise.

5.2 If paying by Direct Debit, please note that Selectapension Limited has appointed the BACS Approved Direct Debit Bureau, Eazy Collect Services Limited (, to collect your payments and Selectapension will be shown on your bank statement along with your personal reference number.

6. You and Your Named Users’ Obligations

6.1 You must provide and maintain at your own expense all telecommunication and other equipment necessary to access the website.

6.2 You are responsible for keeping secure all account numbers and passwords provided to you in connection with your use of the website.

6.3 You shall not use the website to send or receive any message or communication which is offensive, defamatory, abusive, indecent, obscene or menacing or to cause annoyance, inconvenience or needless anxiety or for any illegal or any improper purpose.

6.4 The internet is not a totally reliable medium of communication and is subject to failure of software and hardware outside the control of Selectapension Limited, which may lead to delays in or total failure of communication of data messages or other material. It is your responsibility to ensure that any electronic communication has reached its destination.

6.5 You will use your best endeavour not to allow the introduction into the website of any virus, worm, trojan horse, cancelbot or other destructive or contaminating program. You will not advise any other party how to do so.  You will use an up to date market standard virus scanning program on all material downloaded from the internet.

6.6   You shall be responsible for and hereby agree to indemnify Selectapension Limited and keep Selectapension Limited indemnified against all direct liabilities, costs and expenses which Selectapension Limited may suffer or incur as a result of use by you or any other person using the user’s password (without permission) for the website other than in accordance with the Selectapension terms and conditions.

6.7   You warrant that you hold all necessary licences and consents for the purpose of conducting any business in connection with the use of the website (including without limitation the appropriate authorisation under financial services legislation or any other relevant regulatory authority), and undertake to indemnify Selectapension Limited on an indemnity basis for any or all costs, claims, demands, expenses or liabilities arising out of or in connection with carrying out an authorised business.

6.8   You are responsible for ensuring compliance with any relevant legal and regulatory requirements arising from authorisation by The Financial Conduct Authority including, but not limited to:

(a)  responsibility for advice given to members of the public;

(b)  identification of clients to meet the requirements of anti money-laundering legislation.

6.9 The website is available to users worldwide. In the event that you access the website from a country outside the United Kingdom, you will have full and sole responsibility for ensuring that such use or access complies with all appropriate laws, rules and regulations of that country, and you will indemnify Selectapension Limited against all direct liabilities, costs, claims and expenses which may arise.

6.10   All information and documentation capable of being printed or extracted from the website must be printed and retained thereafter in its complete screen form.   You shall not, nor shall you permit any person to, modify, change, amend or manipulate in whole or in part any information, documentation, template or form listed on or accessed from the website.

6.11 Use of and access to the website is restricted solely for the purposes of accessing information and the processing of legitimate business on behalf of your clients or clients of named users.

6.12 You shall not modify, translate, reverse engineer, decompile, disassemble, reformat, adapt, modify or edit the Selectapension website or software or create derivative works based on it; nor shall you alter or remove any copyright, trademark, Intellectual Property Rights and other protective notices contained in the Selectapension website and software.

7. Availability

7.1 We will use reasonable care in providing the website to you but we cannot guarantee that the operation of the website will be uninterrupted.

7.2 We will provide reasonable helpdesk support during the Business Day.

8. Intellectual Property Rights

8.1   You acknowledge the intellectual property rights of Selectapension Limited, its suppliers and any other relevant third parties in their databases, documents, program code, information, names, logos, trademarks and graphics and any intellectual property rights created, developed, subsisting or used in or in connection with the website. You agree not to use, copy or reproduce them in whole or in part save in accordance with these terms.

8.2   Copyright in the Selectapension pages is vested in Selectapension Limited or the supplier of the content of the same and you will not make any copies of the pages (except for Financial Services Legislation purposes ) without the express written consent of Selectapension Limited or such supplier (as the case may be).

9. Data Protection

This clause should be read in conjunction with our Privacy Policy and our Data Processing & Information Security document, which is published at  In providing the Service we are acting as a data processor only.

9.1  Selectapension is registered under the General Data Protection Regulation (EU) 2016/679 (GDPR).  All personal information you supply to us will be treated in accordance with that Regulation. We will collect and use your personal information in order to operate, enhance and provide you with the information services you request.

9.2  We shall take reasonable steps to ensure the reliability of any employee, agent or contractor who may have access to the personal information, ensuring in each case that access is strictly limited to those individuals who need to access the relevant personal information, as strictly necessary to deliver the Services.  All such individuals are subject to confidentiality undertakings or professional or statutory obligations of confidentiality.

9.3  You will be responsible for obtaining all necessary consents from your customers required for the lawful capture, retention and processing of personal data.

9.4  You will comply with all laws and regulations relating to the capture, retention and processing of personal data.

9.5  We may pass the information we obtain about you and your customers to third parties including our partners, providers of content to the Services and third party service providers (all of whom operate within the EEA and in some instances operate a cloud based application).

9.6  The details we collect may be used:

9.6.1  To send you information on our other products and services.

9.6.2  To pass the information we collect to other companies, including our partners, providers of content and third-party providers, for administrative or statistical research purposes. We may use third parties to carry out certain activities, such as processing and sorting data, monitoring how customers use the website and issuing our emails for us. Third parties will not be allowed to use your personal information for their own purposes.

9.7  We store the data that you accumulate in the course of using Selectapension on our servers.  In respect of any personal data you collect or process, you warrant that you have obtained explicit consent from customers to pass their data to us. Upon written request, Selectapension will either return to the data controller or securely wipe from its systems, any personal data in accordance with requirements of data protection legislation, where not prohibited by regulatory authorities.

9.8  You will notify under General Data Protection Regulation (EU) 2016/679 (GDPR).  (as may be amended, extended or re-enacted from time to time) and will supply on request to Selectapension Limited a copy of such notification, together with any amended particulars that may be filed from time to time. You warrant that you comply and will continue to comply with GDPR and any regulations made thereunder in relation to data stored or processed via the website.

9.9   You consent to the use of cookies. We use the information we obtain to provide you with an improved service and to improve our understanding of your usage of our services. The information that we gather is non-personal statistical information about the pages you visit. We warrant that we will not release this information to other companies. Please see Privacy Policy for further details.

9.10  Subscribers will provide us with at least one valid company email address to allow us to administer your account and to inform you of any contractual or technical changes to the Services.


10. Sources of Information

The information on the website is based on data extracted from sources provided by suppliers and is believed by Selectapension Limited to be reliable and accurate at the date of publication. Each supplier is responsible for the information, products and services it makes available through the website.  Selectapension Limited makes no representation or warranty, whether express or implied, as to its accuracy, or completeness, timeliness or fitness for any purpose. No independent verification, monitoring or screening has been undertaken in respect of the information contained on, or the products or services accessed via, Selectapension: you will be solely responsible for verifying its accuracy and suitability. Selectapension Limited does not endorse or accept responsibility for any recommendations, views, opinions or advice expressed on Selectapension and all information should be independently verified.

11. Liability and Indemnity

11.1 Subject to clause 11.2 below, and to the extent permitted by law, Selectapension Limited shall not be liable (whether incurred by you or any third party) for:
(a) indirect, economic, special or consequential loss or damage whether in contract (given by indemnity or otherwise), tort or otherwise;
(b) loss of profit, loss of data, loss of use of equipment or process, loss of anticipated savings, or wasted management time each one howsoever arising and whether or not we have been informed of the potential loss or damage arising and whether incurred directly, indirectly or consequentially.

11.2 Selectapension Limited does not exclude or restrict liability:

11.2.1 for fraud and for death or personal injury to the extent that the same arises as a result of the negligence of Selectapension Limited, its employees, agents or authorised representatives or for fraudulent misrepresentation.

11.2.2 to the extent that such liability cannot be excluded or restricted by any financial services legislation and the rules and regulations made thereunder and all other applicable laws and regulations.

11.3 Subject to clause 11.1 and 11.2 above, and to the extent permitted by law, Selectapension Limited’s liability in contract, tort (including negligence), breach of statutory duty, misrepresentation or otherwise, arising under or in connection with these Terms shall not exceed the current year’s fees regardless of the number of events giving rise to liability.

11.4 We will use reasonable care in providing the website to you otherwise all conditions and warranties express or implied by statute or otherwise including (without limit) any concerning the quality reliability and merchantability or fitness for purpose of the Selectapension site are to the maximum extent permitted by law hereby excluded. Selectapension Limited gives no warranty that the functions contained in the website will meet your requirements or that the operation of the website will be uninterrupted or error free or that the defects in the same will be corrected. Selectapension Limited will not be liable for any unavailability of the website where it is caused by circumstances beyond its reasonable control, for example, technical or communications breakdown, industrial action or power failure. We will notify you of these circumstances as soon as reasonably practical.

11.5 Subject to clause 11.2 above Selectapension Limited accepts no liability in respect of any loss or damage which may arise due to matters beyond its reasonable control from the use of electronic mail, including without limitation, non-delivery of e-mail or any other electronic communication, incorrect or delayed delivery of e-mail or any other electronic communication or the interception and unauthorised reading of e-mail or any other electronic communication.

11.6   Subject to Clause 11.2, formal proceedings relating to any claim against us must be served on us within 12 months from the end of the month in which you become aware or should reasonably have become aware of the events giving rise to the claim.

11.7   If you have delegated named users, you shall procure their compliance with these terms. In the event that we incur any direct losses arising out of or in connection with the acts or omissions of your named users, you hereby agree to defend and indemnify us against such direct losses.

12. Disclaimer

12.1 Selectapension offer this service as an information tool only. The materials on this site do not constitute financial or other professional advice.

12.2 Any listing of other web sites on the Selectapension site is provided solely for the convenience of the users of Selectapension. The selection by you of such a web site will connect you to a site which is not under the control of Selectapension Limited. On connection to the site you may be bound by any terms and conditions and privacy policies applicable to that site. Selectapension Limited has no control over the content of such web sites or the services available through them and accordingly makes no representation concerning the content of those sites.

13. Force Majeure

Neither party shall be under any liability to the other party for any delay or failure to perform any obligation under these terms if the same is wholly or partly caused, whether directly or indirectly, by circumstances beyond its reasonable control.

14. Waiver

Failure or neglect by us to enforce any of the provisions in these terms and conditions shall not constitute a waiver of our rights hereunder nor in any way affect the validity of the whole or any part of these terms nor prejudice our rights to take subsequent action.

15. Invalidity and Severability

If any provision of these terms shall be found by any court or administrative body of competent jurisdiction to be invalid or unenforceable the invalidity or unenforceability of such provisions shall not affect the other provisions of these terms which shall remain in full force and effect.

16. Notices

Both parties may send notices regarding the website by facsimile, hand or post; or by email confirmed as having been received.

17. Third Party Rights

Nothing in this agreement shall operate so as to confer any benefit upon any person or party not a party to it and the Contracts (Rights of Third Parties) Act 1999 shall be excluded in its entirety from applying to this agreement.

18. Assignment

Selectapension Limited may assign, sub-contract or delegate all or any of its rights or obligations under these terms without your prior consent.

19. Entire Agreement

These terms constitute the entire agreement between you and us in respect of access to the website. No representation or statement not expressly contained in these terms or incorporated in these terms by reference shall be binding upon us as a warranty or otherwise.

20. Jurisdiction

These terms of business shall be governed by the laws of England and all parties agree to submit to the non-exclusive jurisdiction of the English Courts as regards any claim or matter arising under these terms.