Terms of Use

Please read these terms carefully before using our website

Last Updated: 25 February 2025

1. Introduction

These Terms of Use govern your use of the AnnuityRateCalculator.co.uk website (the "Website"), operated by AnnuityRateCalculator.co.uk ("we", "us", or "our").

By accessing or using our Website, you agree to be bound by these Terms of Use. If you do not agree to these Terms of Use, please do not use our Website.

2. Acceptance of Terms

By accessing or using our Website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use, our Privacy Policy, and our Cookie Policy, which are incorporated herein by reference.

These Terms of Use constitute a legal agreement between you and AnnuityRateCalculator.co.uk. If you do not agree to these Terms of Use, please do not use our Website.

We reserve the right to modify these Terms of Use at any time. Any changes will be effective immediately upon posting on the Website. Your continued use of the Website after any such changes constitutes your acceptance of the new Terms of Use.

3. Use of the Website

3.1 Permitted Use

You may use our Website for lawful purposes and in accordance with these Terms of Use. You agree to use the Website only for your personal, non-commercial use.

3.2 Prohibited Use

You agree not to use the Website:

  • In any way that violates any applicable law or regulation.
  • To impersonate or attempt to impersonate AnnuityRateCalculator.co.uk, an AnnuityRateCalculator.co.uk employee, another user, or any other person or entity.
  • To engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Website.
  • In any manner that could disable, overburden, damage, or impair the Website or interfere with any other party's use of the Website.
  • To attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer, or database connected to the Website.
  • To introduce any viruses, trojan horses, worms, logic bombs, or other malicious or technologically harmful material to the Website.
  • To harvest or collect email addresses or other contact information of our users from the Website by electronic or other means.

4. Intellectual Property Rights

4.1 Ownership

The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof), are owned by AnnuityRateCalculator.co.uk, its licensors, or other providers of such material and are protected by United Kingdom and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

4.2 License to Use

Subject to these Terms of Use, we grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Website for your personal, non-commercial use. You may not:

  • Reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website, except as permitted by these Terms of Use.
  • Access or use the Website for any commercial purposes.
  • Delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from the Website.
  • Use any data mining, robots, or similar data gathering or extraction methods on the Website.

4.3 Trademarks

The AnnuityRateCalculator.co.uk name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of AnnuityRateCalculator.co.uk or its affiliates or licensors. You may not use such marks without the prior written permission of AnnuityRateCalculator.co.uk. All other names, logos, product and service names, designs, and slogans on the Website are the trademarks of their respective owners.

5. Annuity Calculator

5.1 Calculator Purpose

Our annuity calculator is designed to provide estimates of annuity rates based on the information you provide. The calculator is intended for informational purposes only and does not constitute financial advice.

5.2 Accuracy of Calculations

While we strive to provide accurate and up-to-date information through our calculator, we cannot guarantee the accuracy, completeness, or reliability of any results or estimates provided by the calculator. Actual annuity rates may vary and depend on various factors, including market conditions, provider criteria, and your individual circumstances.

5.3 Not Financial Advice

The annuity calculator and all information provided on the Website are not intended to provide financial, investment, tax, legal, or professional advice. We strongly recommend that you seek advice from a qualified financial adviser before making any decisions regarding your pension or retirement planning.

6. User Submissions

6.1 User Content

Any content you submit to our Website, including through contact forms or feedback mechanisms, is considered non-confidential and non-proprietary. By providing any such content, you grant us and our affiliates and service providers a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media.

6.2 Representations and Warranties

You represent and warrant that:

  • The content you submit is accurate and not misleading.
  • Your submission does not violate any applicable law or the legal rights of any third party.
  • Your submission does not contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable.
  • Your submission does not infringe any patent, trademark, trade secret, copyright, or other intellectual property or other rights of any third party.

7. Links to Third-Party Websites

Our Website may contain links to third-party websites or services that are not owned or controlled by AnnuityRateCalculator.co.uk. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

You acknowledge and agree that AnnuityRateCalculator.co.uk shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

8. Disclaimer of Warranties

YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY SERVICES OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT, AND ANY SERVICES OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANNUITYRATECALCULATOR.CO.UK DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

ANNUITYRATECALCULATOR.CO.UK DOES NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

ANNUITYRATECALCULATOR.CO.UK MAKES NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE CONTENT ON THE WEBSITE OR THE CONTENT OF ANY WEBSITES LINKED TO THE WEBSITE.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL ANNUITYRATECALCULATOR.CO.UK, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.

THIS DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

10. Indemnification

You agree to defend, indemnify, and hold harmless AnnuityRateCalculator.co.uk, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms of Use or your use of the Website, including, but not limited to, any use of the Website's content, services, and products other than as expressly authorized in these Terms of Use.

11. Governing Law and Jurisdiction

These Terms of Use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of England and Wales.

Any legal suit, action, or proceeding arising out of, or related to, these Terms of Use or the Website shall be instituted exclusively in the courts of England and Wales, although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms of Use in your country of residence or any other relevant country.

12. Severability

If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.

13. Entire Agreement

The Terms of Use, our Privacy Policy, and our Cookie Policy constitute the sole and entire agreement between you and AnnuityRateCalculator.co.uk regarding the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website.

14. Contact Information

If you have any questions about these Terms of Use, please contact us:

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