Legal Terms

Terms of site use

These are the terms of use on which you may make use of this site. Please read these terms of use carefully before you start to use the site. By using the site, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our site.

Content

The information contained in this site may contain technical inaccuracies or typographical errors. All liability of NOW: Pensions howsoever arising (whether in contract, tort or negligence) for any such inaccuracies or errors is expressly excluded to the fullest extent permitted by law.

NOW: Pensions advice or opinion on any specific facts or matters are the information and opinions contained on this Site are for general information purposes and should not be relied on or treated as a substitute for specific advice relevant to particular circumstances. You should seek your own professional advice.

Comments

NOW: Pensions is not responsible for any information which is posted in the form of Comments. Any content, recommendation or other information referred to as Comments is viewed and used by you at your own risk and NOW: Pensions does not warrant, in any respect, the accuracy or reliability of any of the information posted. The views expressed in the Comments are those of the individuals and are not necessarily those of NOW: Pensions.

NOW: Pensions does moderate content before it is posted and retains the right to delete, move, edit, update or otherwise alter content in any way, at its discretion and without notice.

By posting Comments, you grant NOW: Pensions a non-exclusive, perpetual, royalty-free, world-wide license to use, reproduce, modify, adapt, translate, publish, distribute and display any content you submit in any format now known or later developed. If you do not want to grant these rights, please do not submit your comments or materials.

You may use the Comments section only to post content that is proper and appropriate to such areas and you must not do any of the following:

  • post unlawful, defamatory, obscene, threatening, offensive, harmful or otherwise objectionable content (this also includes text, graphics, video, programs or audio);
  • delete any author attributions, legal notices or proprietary designations or labels in any content that is posted;
  • falsify the origin or source of content that is posted;
  • post content in a language other than English;
  • post content that violates the legal rights of others, in particular, material that contains the intellectual property rights of third parties unless you have obtained all necessary licenses and consents to use such content;
  • contribute content with the intention of committing or promoting an illegal act;
  • contribute content with the intention of promoting products, services etc.
  • use inappropriate (e.g. vulgar or offensive) user names; or
  • post content that contains viruses or that may damage NOW: Pensions or another user’s computer; or
  • post personal or other sensitive information that may leave the user susceptible to fraudulent activity.

NOW: Pensions shall be entitled at any time to delete, remove, or suspend the whole or any part of the Comments or any content posted on them without notice and without incurring any liability. If you find objectionable or offensive material in the Comments please let us know as soon as possible by emailing info@nowpensions.com.

Access to the site

We will use reasonable efforts to make our site and its content available to users, however we do not warrant or represent that access to this site will be uninterrupted, reliable or fault free.

We reserve the right in our sole discretion to deny users access to our site or any part of it without notice and to decline to provide the service to any user that is in breach of these conditions.

No damage arising from use

To the fullest extent permitted by law neither NOW: Pensions nor any of its directors, employees or agents will be liable for damages arising out of or in connection the use of this site, the information in it or the unavailability of the site or its content. This is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, loss of income or loss of profit, loss of or damage to property and third party claims, save that nothing shall exclude or restrict liability for death or personal injury resulting from the negligence of NOW: Pensions, its directors, employees or agents.

Alterations

NOW: Pensions reserves the right at any time without notice to revise the contents of this site including these conditions. Any changes to these conditions will be posted on this site and by continuing to use this site following any such change you will signify that you agree to be bound by the revised conditions.

Copyright

All rights in the design, text, graphics and other materials on the site and the selection or arrangement thereof are the copyright of NOW: Pensions or other third parties except where expressively licensed by the Creative Commons License. Permission is granted to copy electronically and print in hard copy portions of this site solely for your own personal use. Any other use of materials on this site (including reproduction for purposes other than those noted above and alteration, modification, distribution or republication) without the prior written permission of NOW: Pensions is strictly prohibited except where expressively licensed by the Creative Commons License.

Trade marks

The NOW: Pensions name, logos and get-up are owned by NOW: Pensions. All other trade marks, product names and company names or logos cited herein are the property of NOW: Pensions or their respective owners. No permission is given by NOW: Pensions in respect of the use of any such trade marks, get-up, product names, company names, logos or titles and such use may constitute an infringement of the trade mark owner’s rights.

Applicable law

These conditions shall be governed and construed in accordance with English Law and any disputes shall fall within the exclusive jurisdiction of the English Courts. If any provision of these disclaimers and exclusions shall be unlawful, void or for any reason unenforceable then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.

Privacy policy

You agree to the use of any personal data we may hold on you in relation to your use of NOW: Pensions Blog.

Information about us

The site is operated by NOW: Pensions, at its registered office at 164 Bishopsgate, London, EC2M 4LX, United Kingdom. NOW: Pensions’ VAT number is 127 89 49 66.


I've known ATP for many years and have enormous respect for the effectiveness of their investment strategy. I'm convinced that NOW: Pensions can become a major player in the UK and look forward to being a part of that success. — Chris Daykin, the former Government Actuary
“We were impressed with the simplicity of its scheme. The ease of implementation was also a big plus for us and has removed much of the administrative headache.” — Neil Tune, HR director at Fitness First
We chose NOW: Pensions as it has the best cultural fit for ISS and we believe it will offer our employees the best mix of long term investment returns, strong risk management and low scheme costs for members. NOW: Pensions already has the experience… — Matthew Brabin, CFO, ISS UK
...its simple design means the pressure is taken off us as the employer and avoids costly administration charges, whilst removing the burden of choice and ensuring the best possible retirement outcome for our employees. — Matthew Johnson, Head of Compensation and Benefits at Adecco Group UK & Ireland
I am backing NOW: Pensions, the ATP project, because I believe it will encourage transparency, low costs and decent returns for millions of British employees. — Nigel Waterson, former Shadow Pensions Minister