By using this website you agreed to abide by the terms and conditions listed below. This is a legally binding agreement between you and Portfolio Publishing Ltd, publisher of the Sipps Professional website.

Under these terms and conditions you may use the Sipps Professional website at www.sippsprofessional.co.uk. These terms apply regardless of the media or device you use to access this service. If you do not agree with the terms and conditions stated here you should not access the website or use any information contained herein. You should also cancel any registrations you may have with this site. If you have any questions please contact This email address is being protected from spambots. You need JavaScript enabled to view it..

Company Information

Sipps Professional is part of the Portfolio Publishing group. The corporate details for Portfolio Publishing are: Portfolio Publishing Ltd is registered in England & Wales. Company No. 5542523. Business address: Panstar House, 13/15 Swakeleys Road, Ickenham, London UB10 8DF. Telephone Number: 01895 678629. Email: This email address is being protected from spambots. You need JavaScript enabled to view it.. Registered office: 25 Glover Road, Pinner, Middlesex HA5 1LQ. VAT Registration No. 867492473.

1. General Guidelines

These terms and conditions were issued on 16 May 2013 and replace all and any previous terms and conditions for this website. We will update or change these terms if there is a change in the law or regulation. If you are a subscriber or user of the site, any changes will become effective from the date of your first or next Sipps Professional renewal. It may be necessary in future to cease to publish Sipps Professional or any of its content or end any services provided by the site. If we do so, then we will have no further obligation to you, except if you are a paid subscriber. In this case we will offer you a refund of the unused period of your subscription or make an appropriate alternative offer acceptable to you if you have paid a subscription or fee to subscribe.

2. Site Usage

In order to provide quality content to you we rely on you to abide by the terms and conditions stated herein including our rules on content and to comply with our terms relating to how and when we use your data. By providing our data we are able to sell advertising space to advertisers which helps to fund this website and provide a service to you. Providing this data is important in helping us and advertisers know more about you but we will never reveal your identity to third parties without your express prior permission. We will only share date in aggregate with advertisers and potential advertisers. These terms and conditions are also designed to provide clarity on your responsibilities and our obligations to you. Failure to adhere to them when using the site or using the content may result in action against you so please take the time to familiarise yourself with the rules to avoid breaching any terms. Portfolio Publishing is also willing to invite other companies and organisations to use Sipps Professional content with appropriate permissions and/or with the purchasing a licence to allow one-off or regular usage. For further information on usage or to purchase a licence contact Sipps Professional at This email address is being protected from spambots. You need JavaScript enabled to view it.. All Sipps Professional content belongs to Sipps Professional or any licensors who own agreed intellectual property rights in the Sipps Professional content as clearly stated in any prior written agreement between ourselves and any licensors or users.

Permitted Usage

You can do the following:

• view our content for your personal use on any device that is compatible with Sipps Professional (whichever mobile or desktop device you are using) and store Sipps Professional content on that device for your personal use only.

• share links to articles by using the article tools we offer, for example emailing details to a colleague.

• print a copy of any articles on paper for your personal usage.

• publish online headline links or forward them to other individuals for any non-commercial use and where no commercial gain is made.

• when sharing content or printing articles for commercial use no advertising, sponsorship or other revenue-generating mechanism can be added or embedded to the content.

• share content as long as no revenue is deprived from Sipps Professional, for example when access to paid services is shared.

Your obligations on content usage:

• You may only use Sipps Professional content for any lawful purpose and must not breach the “Permitted Use” rules listed above. The only exception to this is where a licence is purchased in advance. For further information on purchasing a licence contact This email address is being protected from spambots. You need JavaScript enabled to view it. for information.

• if you are a registered user or subscriber, you must not pass on or share your user name and password with anyone else,

• publish, copy, republish or pass on headlines or other content from the site in any way other than under the “Permitted Use” rules listed above. This includes as part of any syndication service,

• archive or store any of the Sipps Professional content for access by anyone other than yourself, for example on a corporate database or intranet,

• remove the copyright or trade mark notice from any copies of Sipps Professional content made under these terms and conditions,

• create a database in any form of content from the site or information acquired while using it.

Linking to our site is allowed under the following terms:

• no logos or trademarks from the site may be used

• you may link to the homepage of Sipps Professional and may also link to other pages of Sipps Professional as long as the terms in this agreement are adhered to;

• You must not suggest or imply that Sipps Professional is endorsing your products, services or website;

• you must not misrepresent your relationship with Sipps Professional and must state clearly on each article what that relationship is;

•you must not run a site or service that infringes any intellectual property or other rights and it must adhere to relevant laws and regulations;

• you must remove any links to any material on our websites at our request within 24 hours;

3. Our Privacy Policy

We take your privacy seriously and any information we receive from you will be used in line with this Privacy Policy. In using the site you will be agreeing to us receiving data and information from you and this is part of the agreement between ourselves and yourself on accessing the site and using the data herein.

When you register you must give Sipps Professional accurate information about yourself and it is up to you to update this information with any changes.

This information is important to us and we use it when aggregating data about users, planning new services and informing advertisers and sponsors about usage of the site. Your individual information is not passed on elsewhere except where you choose to disclose this yourself in any forums, comments or articles you write.

In order to register you need to select a user name and password. You must not share these. We may choose to suspend, cancel or reject your registration at any time without explanation if you fail to abide by any of the rules of registration. You should not create more than one registration without our express written permission. Failure to abide by this may result in cancellation of your access.

You can choose to remain logged in on the site but it is sensible not to do this on a computer used by users other than yourself.

4. Content Policy

By creating content yourself on the website in the form of comments, blogs or forum participation by doing so you agree to us using this content in any other media published by Sipps Professional, Portfolio or their licensors. You agree to receive no payment for this re-use of content and that it may be used in any form or manner we see fit as long as it is not used in a form where your words or comments are distorted to form a meaning or sense with which you would never have used. We are able to use the content in any manner and for any purpose we see fit in whole or part.

Should any content you upload or send for usage on the site prove to be damaging to a third party in any sense, including financially, you will be responsible in full for any claims against us made by a third party.

Any content you send to us must not infringe the copyright or intellectual property rights of any third party.

No advertising or promotion of goods or services or other products or any kind is allowed and we will remove, without notice or compensation, any comments we believe to be unfair, inaccurate or potentially damaging to a third party.

In return for the above requirements, we promise to do our utmost to safeguard your privacy and handle your content with care and diligence to the best of our abilities.

The Sipps Professional website may publish links to other websites or online and mobile services which are available from third parties, including advertisers and sponsors.

It is entirely your choice whether you wish to select any of the services or products on offer from these companies or whether you rely on any third party products or services available. We cannot control how data or information is used by these providers and our rules do not apply to their content or offerings.

Sipps Professional publishes advertising and sponsorship. All advertisers and sponsors are responsible for their own websites and content and must abide by all applicable laws and regulations. We can take no responsibility for content on these sites. You should not agree to any software downloads or to sign up to any services or products provided by third parties unless you agree with their terms and are content that they service is one you which to buy or subscribe to.

Sipps Professional and Portfolio are not responsible for any technical issues arising from use of any third party websites or software downloads or any issues related to hacking, viruses, spamming or any other third party interference with the site.

6. Our Duty To You

Sipps Professional strives to cover the Sipps, SSAS and pensions sectors in as impartial and accurate a way as possible but we can take no responsibility for any errors or omissions in any articles on this site. If errors or omissions do occur we will do our utmost to correct them, where we deem it appropriate, within 7 days. We cannot accept any responsibilties for the content of third party websites or any third party products. Where you have paid for your content either as a paid subscriber or lincensor our liability is limited to no more than the price you paid for your subscription or licence. Neither Sipps Professional’s publisher Portfolio Publishing nor Sipps Professional can take any responsibility for any inaccuracies, errors or omissions in site content. The views expressed on the site are entirely the views and comments of Sipps Professional and not necessarily the views of the publisher. The site is intended to provide general news, information and features for the professional business community. None of the information should be relied on or used in making or refraining from any professional recommendations. Any information on the Sipps Professional website is subject to the time delays inherent in usage of the internet and no responsibility can be taken for timely or otherwise publication of any data or information on the site including share prices and market indices.

7. Registration and Information Supplied to You

It is a requirement of using this site when accessing any content beyond the first sentence of any article that you register and provide us with information about yourself. This information that you supply must be accurate and timely and this also applies where we offer any paid subscription services where registration is required. We may from time to time use your contact information to supply you with information about new content, new services from us and new services and products from selected third parties. You have a right at all times to choose to opt out of any information sent by third parties but it is a requirement of registering to use this site that you receive regular communications from us.

If at any time you wish to de-register from our services or communications and are unable to do this online you may do so by telephone by ringing our customer services dept on 01895 672771.

In term, we may terminate your registration and subscription at any time for any reason although we will not do this without communicating this with you and discussing other options. This applies both to free and paid subscriptions. If you have paid a subscription for a period of time and we cancel your subscription early you will be entitled to a pro rata refund.

8. Legal Jurisdiction

The terms and conditions contained herein are subject at all times to to English law and the courts of England will have exclusive jurisdiction to settle any dispute which may arise from any matters in connection with these terms and conditions.

We reserve the right to institute proceedings against you in your country of residence or principal country of business if outside the UK if we deem it appropriate.

9. Other Terms and Rights

These terms do not allow you to transfer any licences or rights to a third party without our express written permission. We have the absolute right to transfer any of our rights or obligations under these terms and conditions listed here to any part of Portfolio Publishing or Sipps Professional that we deem appropriate. We may also transfer, sell or dispose of this website in any way seen fit by us. This may also involve transfer of your registration or subscription details. In turn, we will inform you if this has taken place or is about to take place and you will have the right at any time to de-register or cancel your subscription.

10 Web Browsers

Sipps Professional should be viewable on any modern web browser but we can take no responsibility for the functioning of your web browser nor any issues arising from your use of it to view our website. Any information, including that for payments, that you send to us over the Internet is normally encrypted using the appropriate internet security technology but we take no responsibility for any mistakes, inaccurate payments, fraud or other issues that may occur when a payment is made or at any stage in the future.

11. Date of Terms and Conditions

These terms and conditions were last updated on 16 May 2013.