Howden is a trading name of Barnett Waddingham LLP (BW), which owns
Barnett Waddingham Actuaries and Consultants Limited (BWAC). BW and BWAC
are part of the Howden Group. Registered in England and Wales under
company number OC307678 (BW) and 06498431 (BWAC), with the registered
offices at One Creechurch Place, London EC3A 5AF. BW is authorised and
regulated by the Financial Conduct Authority (FCA); BWAC is not authorised
or regulated by the FCA.
Howden SIPP is a trading name of BW SIPP LLP, which is part of the Howden
Group. Registered in England and Wales under company number OC322417,
with its registered office at One Creechurch Place, London EC3A 5AF.
Authorised and regulated by the Financial Conduct Authority (FCA) Financial
Services Register No 458323. The Financial Services Register can be
accessed through www.fca.org.uk.
We provide various online services, applications and tools (Application(s))
to our clients for use by their authorised users (Users) via this website (Site).
Whilst certain Users may be accessing and/or using the Applications for
their personal use (e.g., where the User is an employee of our client to
whom we provide employee benefit services, or where the User is a member
of a pension scheme, in respect of which we provide services to our
trustee client), we are not, nor shall we be deemed to be, providing any
services to any User.
User Terms
These user terms and any additional terms and conditions that apply to a
particular Application (together the User Terms) apply to your access
to, and use of, the Applications available to you from time to time and
this Site. Please note that you must agree to the User Terms before you
access or use the Applications. You should read the User Terms
carefully.
Any reference to ‘we’, ‘us’ or ‘our’
in the User Terms is to Howden – a trading name of Barnett Waddingham
LLP or Howden SIPP – a trading name of BW SIPP LLP, and any reference
to ‘you’ or ‘your’ is to the User accessing or
using the Site and/or the Applications.
Any reference to the Applications in the User Terms includes the
Applications themselves and the output of, and/or online content and
information accessible from, the Site and/or the Applications.
We may make changes to the User Terms, the Site, and/or the Applications
at any time.
Your use of the Applications
You may access and use the Applications made available to you by us,
from time to time, via the Site provided that you follow all of the
rules in the User Terms.
You will not obtain any rights of ownership or other rights (of whatever
nature) in the Applications and/or the Site, but you may use them as set
out in the User Terms. You are not allowed to pretend that the
Applications are your own or make them available to others.
By submitting any content to the Site and/or the Applications, you
confirm the content is correct and that we may use the content as
described in the User Terms or as required to provide the Site and/or
Application.
You are responsible for making sure that your password and any other
account details are kept secure and confidential. You must not disclose
any password to any other person and must notify us immediately if you
become aware of any unauthorised use of your password or of the Site
and/or the Applications.
You agree not to use the Site and/or the Applications:
for any purpose that is unlawful, harmful, threatening, defamatory,
obscene, infringing, harassing or racially or ethnically offensive;
facilitates illegal activity; depicts sexually explicit images;
promotes unlawful violence; is discriminatory based on race, gender,
age, colour, religious belief, sexual orientation, disability; or in
a manner that is otherwise illegal or causes damage or injury to any
person or property;
to copy, modify, duplicate, create derivative works from, frame,
mirror, republish, download, display, transmit, or distribute all or
any portion of the Site and/or the Applications in any form or media
or by any means;
to de-compile, reverse compile, disassemble, reverse engineer or
otherwise reduce to human-perceivable form all or any part of the
Site and/or the Applications;
to build a product or service which competes with Applications
and/or any services offered by us from time to time; or
to provide services to third parties;
to distribute viruses or malware or other similar harmful software
code;
to gain unauthorised access to or use of computers, data, systems,
accounts or networks;
to attempt to obtain, or assist third parties in obtaining, access
to the Site and/or the Applications; or
to attempt to circumvent password or user authentication methods.
While we have no obligation to monitor your use, we reserve the right to
do so, and we may prevent or suspend your access to the Site and/or the
Applications if you do not comply with the User Terms or any applicable
law.
Your access and use of the Site and/or the Applications can be withdrawn
if our contract to provide services to our relevant client is terminated
or expires or otherwise as we see fit.
Your information
Where we hold or obtain your personal information in connection with the
provision of services to our client, such personal information will be
subject to our client’s relevant privacy policy (a copy of which
should have already been provided to you by our client).
Where we hold or obtain your personal information otherwise than in
connection with the provision of services to our client, including under
section 4.3 below, such personal information will be dealt with in line
with our Privacy Policy available here
privacy-policy.pdf (bwllp.co.uk), which explains what information we collect and hold about you, and
how we collect, store, use and share such information.
We may monitor your usage of the Applications and/or Site for our
legitimate business purposes of developing, maintaining, and improving
our products and services, and understanding how they are used to inform
our product strategy.
Our responsibility and limitations
Our responsibility in respect of the Site and/or the Applications is to
our client and not the Users.
We neither assume nor owe any duty or responsibility to you in relation
to the Site and/or the Applications and any liability to you is
expressly disclaimed to the fullest extent permitted by law.
We give no warranties and make no representations to you in relation to
the Site and/or the Applications, and all warranties and conditions
whether express or implied by statute, common law or otherwise
(including any implied terms relating to quality, fitness for any
particular purpose, reasonable care and skill or ability to achieve a
particular result) are excluded to the fullest extent permitted by law.
Nothing in the User Terms will ever limit or exclude our liability that
cannot be excluded by law. Similarly, nothing in the User Terms
excludes, limits or restricts our duties and liabilities to the User
under the Financial Services and Markets Act 2000 or associated
legislation, or any conduct of business rules which we are bound to
comply with.
The Site and/or the Applications are provided for your general
information. You should not rely on Site and/or the Applications to make
(or refrain from making) any decision or take (or refrain from taking)
any action (including, but not limited to, in respect of financial or
other plans or arrangements). Any reliance that you do place on the Site
and/or the Applications is at your own risk.
The Site and/or the Applications do not constitute technical, financial
or legal advice or any other type of advice. You should always use your
own independent judgment when using the Site and/or the Applications.
Availability
We cannot guarantee that Site and/or the Applications will be available
at any given time, or that access to the digital content will be
uninterrupted, error free or secure.
In order to access and use the Site and/or the Applications, your device
needs to comply with our minimum technical requirements. You are
responsible for making sure that your device meets these requirements.
Hyperlinks and third party sites
The Site and/or the Applications may contain hyperlinks or references to
third party services and/or websites. Any such hyperlinks or references
are provided for your convenience only. We have no control over third
party services and/or websites and accept no legal responsibility for
any content, material or information contained in them. The display of
any hyperlink and reference to any third party services and/or websites
does not mean that we endorse that third party’s services and/or
websites. Your use of a third party site may be governed by the terms
and conditions of that third-party site and is at your own risk.
General
You are not allowed to transfer your rights under the User Terms to
anyone without our prior written consent.
If any provision of the User Terms (or part of any provision) is or
becomes illegal, invalid or unenforceable, the legality, validity and
enforceability of any other provision of the User Terms will not be
affected.
If you breach the User Terms and we take no action, we will still be
entitled to use our rights and remedies in any other situation where you
breach the User Terms.
The User Terms are governed by the laws of England and Wales and any
disputes will be decided only by the Courts of England and Wales.
