Terms & Conditions

These terms and conditions outline the rules and regulations for the use of Equilibrium Pensions Limited Website, located at equilibriumpensions.com.

By accessing this website we assume you accept these terms and conditions. Do not continue to use equilibriumpensions.com if you do not agree to take all of the terms and conditions stated on this page.

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and all Agreements: “Client”, “You” and “Your” refers to you, the person browsing this website and compliant to the Company's terms and conditions. “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers to our Company. “Party”, “Parties”, or “Us”, refers to both the Client and ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner for the express purpose of meeting the Client's needs in respect of provision of the Company's stated services, in accordance with and subject to, the prevailing law of the Isle of Man. Any use of the above terminology or other words in the singular, plural, capitalisation and/or he/she or they, are taken as interchangeable and therefore as referring to same.

Cookies

A cookie is a small text file that stores Internet settings. Almost every website uses cookie technology. The cookie is downloaded by your Internet browser the first time you visit a website. The next time you visit this website from the same device, the cookie and the information in it are either sent back to the originating website (first-party cookies) or to another website to which it belongs (third-party cookies). By that, the website can detect that it has already been opened using this browser, and in some cases it will then vary the content it shows.

Some cookies are extremely useful because they can improve your user experience when you return to a website you have already visited. This assumes that you are using the same device and the same browser as before; if so, cookies will remember your preferences, will know how you use the website, and may adapt the content you are shown so that it is more relevant to your personal interests and needs.

Categories of cookie

Based on what function cookies have and the purpose for which cookies are used, there are four categories of cookie: strictly necessary cookies, performance cookies, functional cookies and marketing cookies.

Strictly necessary cookies
Are essential in order to enable you to move around the website and use its features. Without these cookies, some services cannot be provided – for example, remembering previous actions (e.g. previously entered text) when navigating back to a page in the same session.

Performance cookies
Gather information about how a website is used – for example, which pages a visitor opens most often, and whether the user receives error messages from some pages. These cookies do not save information that would allow the user to be identified. The collected information is aggregated, and therefore anonymous. These cookies are used exclusively to improve the performance of the website, and with it the user experience.

Functional cookies
Enable a website to save information which has already been entered (such as user names, languages choices, and your location), so that it can offer you improved and more personalised functions. For example, a website can offer you local relevant information if it uses a cookie to remember the region in which you are currently located. Functional cookies are also used to enable features you request such as playing videos. These cookies collect anonymous information and cannot track your movements on other websites.

Marketing cookies
Are used to deliver adverts and other communications more relevant to you and your interests. They are also used to limit the number of times you see an advertisement and to help measure the effectiveness of advertising campaigns. They remember whether you have visited a website or not, and this information can be shared with other organisations such as advertisers. Cookies for improving group targeting and advertising will often be linked to site functionality provided by other organisations.

Information which may be collected includes your cookie settings on our websites.

You can completely disable cookies in your browser at any time.
It is important to note that if you change your settings and block certain cookies, you may not be able to take full advantage of some features of our site, and we might not be able to provide some features you have previously chosen to use.

License

Unless otherwise stated, Equilibrium Pensions Limited own the intellectual property rights for all material on equilibriumpensions.com. All intellectual property rights are reserved. You may access this from equilibriumpensions.com for your own personal use subjected to restrictions set in these terms and conditions.

You must not:

Republish material from equilibriumpensions.com
Sell, rent or sub-license material from equilibriumpensions.com
Reproduce, duplicate or copy material from equilibriumpensions.com
Redistribute content from equilibriumpensions.com

Reservation of Rights

We reserve the right to request that you remove all links or any particular link to our Website. You approve to immediately remove all links to our Website upon request. We also reserve the right to amend these terms and conditions at any time. By continuously linking to our Website, you agree to be bound to and follow these linking terms and conditions.

Disclaimer

No action should be taken or omitted to be taken in reliance upon information contained in this website. The information contained and accessed on this website is for general guidance and is intended to offer the user general information of interest. The information provided is not intended to replace or serve as substitute for any pension, tax or other professional advice, consultation or service.

Equilibrium Pensions Limited does not guarantee or warrant that the website will be uninterrupted, without delay, error free, omission free or free of viruses. We can accept no liability for loss or damage suffered as a result of use of this website or reliance on the information contained herein.

Equilibrium Pensions Limited does not warrant or offer any assurances that the website is compatible with any user’s computer equipment or network through which access to the website is gained or that the use of the website will not lead to viruses or similar destructive software. Users are responsible for ensuring that their own equipment has appropriate security and virus protection features.

As content of the website is copyrighted, any unauthorised use of any material on the website may violate copyright, trademark and other laws. Materials on this website may not be modified, reproduced or publicly displayed, performed or distributed or used for any public or commercial purposes.

This disclaimer shall be governed by and construed in accordance with the laws of the Isle of Man and the courts of the Isle of Man shall have exclusive jurisdiction. The invalidity or unenforceability in any jurisdiction of any of these terms shall not affect the validity or enforceability of any other of these terms. If any term is held to be invalid or unenforceable it shall be deemed to be amended to the minimum extent required to render such term valid or enforceable, such amendment to be determined by Equilibrium Pensions Limited.