Use of the site includes accessing, browsing, uploading or downloading any content, linking to, or registering to use our site.
Please read these Terms carefully before using the site. We recommend that you print a copy of these Terms for future reference. By using the site you confirm your acceptance of these Terms. If you do not accept these Terms, you should exit and not use the site.
If you register to become a member of the retiresavvy site, additional terms and conditions of use apply to your use of the restricted member areas of the site (see section 2 below).
Section 1: General terms
1 Information about us
1.1 The site is owned and operated by Skipton Building Society (we, us, our, the Society).
1.2 Our principal office is The Bailey, Skipton, North Yorkshire BD23 1DN.
1.3 We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority under registration number 153706 for accepting deposits, advising on and arranging mortgages and insurance.
1.4 We are registered under the Data Protection Act 1998 as a Data Controller with the Information Commissioner’s Office with registration number Z6453436.
1.5 We are a member of the Building Societies Association
1.6 If you have a complaint regarding us or the products or services that the Society offer, please write to: Customer Relations Team, Skipton Building Society, The Bailey, Skipton, North Yorkshire, BD23 1DN. If we do not respond within eight weeks, or we do and you remain dissatisfied, you may have the right to complain to the Financial Ombudsman Service (FOS) at Exchange Tower, Exchange Harbour, London, E14 9SR (telephone 0800 023 4567).
2 Information about retiresavvy
2.1 The site aims to provide information via an interactive forum where individuals can discover what that they need to help demystify retirement. The site includes contributions by a community of bloggers and forum members who share their knowledge and experiences of retirement along with their thoughts, ideas, views and opinions relevant to those who are approaching retirement.
2.2 Unless expressly stated otherwise, the content on the site represents the views and opinions of individual bloggers, members and contributors and is provided on an information-only basis. The content on the site does not represent the views of the Society or constitute any form of advice, recommendation, representation, endorsement, financial promotion, invitation or any other arrangement by the Society, and is not intended to be relied upon by you in making any investment or other decisions.
2.3 In a limited number of circumstances we may:
2.3.1 post content to the site which has been drafted by us including commentary, thought pieces or editorial content. Where we post such content to the site, we will clearly identify that it has been produced by us;
2.3.2 post adverts, advertorials or sponsored content on the site. Where such material is posted to the site, it will be clearly identified as such;
2.3.3 provide links to products and services on our own website;
2.3.4 send you marketing or promotional information on our products and services. We will only send this to you if you have agreed to receive such communications and only in the medium you have agreed to receive it;
2.3.5 respond to queries raised by registered users of the site, directing them to sources of further information including, where requested, material contained on our main website.
2.4 In relation to communications of the type referred to in 2.3 above, we will at all times comply with the law and rules relating to financial promotions.
2.5 The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain financial or other specialist professional advice before taking, or refraining from, any action on the basis of the content on the site.
2.6 We make no representations, warranties or guarantees, whether express or implied, that any content on the site is accurate, complete or up-to-date.
3 Accessing the site
3.1 The site is made available free of charge and is for domestic and personal use only.
3.2 The site is directed at UK residents and is appropriate for those aged 18 years or over.
3.3 Access to the site is permitted on a temporary basis. We do not guarantee that the site, or any content on it, will always be available or be uninterrupted.
3.4 You are responsible for making all arrangements necessary for you to have access to the site.
3.5 You are also responsible for ensuring that all persons who access the site through your internet connection are aware of these Terms and other applicable terms and conditions, and that they comply with them.
3.6 Accessing and using the site or any of its content for any commercial purpose is strictly prohibited.
3.7 We may suspend, withdraw, discontinue or change all or any part of the site without notice.
3.8 We will not be liable to you if for any reason the site is unavailable at any time or for any period.
4 Intellectual property rights
4.1 We are the owner or the licensee of all intellectual property rights in the site, and in the material published on it. Those works are protected by the law of intellectual property and related treaties around the world. All such rights are reserved.
4.2 You may print off one copy, and may download extracts, of any page(s) from the site for your personal use only.
4.3 You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
4.4 You must not use any part of the content on the site for commercial purposes without obtaining a licence to do so from us or our licensors.
4.5 If you print off, copy or download any part of the site in breach of these Terms, your right to use the site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
5 Changes to the site
5.1 We may update the site from time to time and, given the nature of the site, the content may be changed, altered, amended or updated at any time. However, please note that any of the content on the site may be out of date at any given time, and we are under no obligation to update it.
5.2 We do not guarantee that our site, or any content on it, will be free from errors or omissions.
6 Linking to our site
6.1 You may link to the home page of the site, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
6.2 You must not establish a link to the site from any website that is not owned by you.
6.3 The site must not be framed on any other site, nor may you create a link to any part of the site other than the home page. We reserve the right to withdraw linking permission without notice.
6.4 If you wish to make any use of material on the site other than that set out above, please address your request to firstname.lastname@example.org.
7 Links to third party websites from our website
We assume no responsibility for the content of websites linked on the site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.
8.1 We do not guarantee that the site will be secure or free from bugs or viruses.
8.2 You are responsible for configuring your information technology, computer programmes and platform in order to access the site. You should use your own virus protection software.
8.3 You must not misuse the site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the site, the server on which the site is stored or any server, computer or database connected to the site. You must not attack the site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the site will cease immediately.
9 Limitation of our liability
9.1 Nothing in these Terms excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.
9.2 To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to the site or any content on it, whether express or implied.
9.3 We will not be liable to any user of the site for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
9.3.1 use of, or inability to use, the site; or
9.3.2 use of or reliance on any content displayed on the site.
9.4 Please note that we only provide the site for domestic and private use. You agree not to use the site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
9.5 We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the site or to your downloading of any content on it, or on any website linked to it.
10 How we use your information
We only use your personal information in accordance with our Privacy and Cookies Policy. Please take the time to read our Privacy and Cookies Policy, as it includes important terms which apply to you.
11 Changes to these terms
We may revise these Terms at any time by amending this page. Please check this page periodically to take notice of any changes we may make, as they are binding on you.
If any of these provisions is deemed invalid, void or unenforceable that provision will be deemed severable from the rest and will not affect the validity and enforceability of any remaining provisions.
13 Governing law and jurisdiction
These Terms shall be governed by and construed in accordance with English law and shall be subject to the exclusive jurisdiction of the English courts.
14 Contact us
If you have any queries about the site or any information contained on it, or otherwise wish to contact us, please write to us at retiresavvy, Skipton Building Society, The Bailey, North Yorkshire, BD23 1DN. You can also contact us by email at email@example.com or by clicking here.
Section 2: Member terms
15 Your account and password
15.1 In order to become a registered member of the site you will have to register via our online registration form to obtain log-in details which will enable you to access the membership areas of the site, obtain additional materials, post comments on blog articles or within the forums published on the site.
15.2 By registering to become a member of the site and ticking the appropriate tick box, you agree to be bound by these Member Terms.
15.3 If you sign up to become a member of the site and are provided with log-in details (including a user identification code, password or any other piece of information as part of our security procedures), you must treat such information as confidential. You must not disclose it to any third party.
15.4 We have the right to disable any user identification code or password at any time, if in our reasonable opinion you have failed to comply with any of the provisions of the Member Terms.
15.5 If you know or suspect that anyone other than you knows and/or is making use of your user identification code or password, you must promptly notify us at firstname.lastname@example.org.
16 Uploading content to our site
16.1 Whenever you make use of a feature that allows you to submit or upload content to the site, or to make contact with other users of the site, you must comply with our Acceptable Use Policy. Please read our Acceptable Use Policy carefully as this sets out the core terms governing your submission of any content to the site.
16.2 You warrant that any content contribution that you make complies with our Acceptable Use Policy, and you will be liable to us and indemnify us for any breach of that warranty. This means that you will be responsible for any loss or damage we suffer as a result of your breach of this warranty.
16.3 We will not be responsible, or liable to any third party, for the content or accuracy of any content posted by you or any other user of the site.
16.4 The views expressed by other users on the site do not represent the views or values of the Society and you must not state, suggest or imply that the Society endorses, supports or shares your views or opinions.
17.1 The site is periodically monitored and reviewed. Although it is our intention to promote and encourage interesting and informative debate, we retain the right to review, and at our discretion, to remove any and all user content prior to or after posting on the site, if, in our opinion, it does not comply with these Terms, Member Terms or the content standards set out in our Acceptable Use Policy.
17.2 We expressly reserve the right to:
17.2.1 record, at our discretion, any user content posted on the site (including such content that is removed by us and/or the author) and maintain such records for such period as we deem reasonably necessary;
17.2.2 investigate any claim or complaint in relation to any content on the site;
17.2.3 edit or remove without notice any content, irrespective of whether it complies with the Member Terms or our Acceptable Use Policy;
17.2.4 disclose your identity to any third party who is claiming that any content posted or uploaded by you to the site is defamatory towards them, constitutes a violation of their intellectual property rights, or of their right to privacy;
17.2.5 report/disclose your identity to a court, the police or any other regulatory authority in the case of any serious breach of these if required to do so; and
17.2.6 suspend or terminate your right to generate content and/or access areas of or the whole of the site at any time.
17.3 We are under no obligation to publish or retain any user content that we deem to be generally editorially unsuitable or in breach of the Member Terms or our Acceptable Use Policy and we do not have to inform you or explain our decision. Any editorial decisions will be final and binding.
17.4 Should you consider any content on the site to be inappropriate, abusive, inflammatory, defamatory or to otherwise in breach of our Acceptable Use Policy please contact our Editorial Team at email@example.com who will be happy to review the situation.
17.5 If you wish to raise a concern over the accuracy of comments posted to the site or want to request that a post or posts be removed, you should also contact our Editorial Team at firstname.lastname@example.org.
18 Intellectual property
18.1 Any content that you post to the interactive areas of the site, including comments on blog articles and forum posts, will be considered non-confidential and non-proprietary. When you post any content (including, text or images/videos or other content that you have copyright to), you expressly grant us a perpetual, unlimited, free worldwide licence to use, store, copy and publish that content and to use it in relation to the promotion of or in line with the wider purposes championed by retiresavvy.
18.2 When you upload or post content to our site, you hereby grant us a non-exclusive, transferable, sub-licensable, royalty-free, worldwide licence to use any intellectual property in the content that you post on our site.
19 How we use your information
Last updated: [4 December 2014]