The following terms and conditions govern the use of this website and are set out below. These apply to any information, documentation or other item available on this website and you are therefore advised to read them carefully.  By using the site you indicate your acceptance of these terms and conditions.

PYSS reserves the right in its absolute discretion at any time and without notice to remove, amend or vary any of the content which appears on any page of this site, including any terms and conditions. Any changes to these terms and conditions will be posted on this site and by continuing to use this site following any such change you will signify that you agree to be bound by the revised conditions.

The information contained on this Websites is only intended for use by parties seeking to establish Self Administered Pension Schemes within the United Kingdom

Advice
Nothing in this site shall be deemed to constitute financial or other professional advice in any way. You should consult a financial adviser or other professional adviser if you require any financial advice. In choosing to buy any product from this site you should not rely solely on the information contained within the site pages and should carefully read the policy documentation and/or terms and conditions relating to any specific product before purchasing.

Complaints
These are dealt with in accordance with our complaints procedure and further details are available from within the home page of this site

Cookies
Cookies are small files which are sent to your browser and stored on your computer’s hard disc. If you have registered with sippsolutions.com then your computer will store an identifying code in the cookie which means you do not need to type in your e-mail address each time you return to the site. Other than this we do not store your password or any other information in the cookie or use it for any other purposes.

Copyright and trade marks
Copyright in the pages of this site, in the screen displaying the pages and in the information, texts, graphics and material contained therein and their arrangement is owned by PYSS, unless otherwise stated.

All trade marks, service marks, company names or logos are the property of their respective holders and no permission is given by PYSS in respect of their use and such use may constitute an infringement of the holders' rights.

You may store, manipulate, analyse, reformat, print and display the content of this site solely for your own personal use. Any other use of materials on this site is strictly prohibited. In no event are you permitted to publish, re-transmit, re-distribute or otherwise reproduce any of the content that appears on any page of this site in any format to anyone, and you are prohibited from using any such content in connection with any business or commercial enterprise.

Data Protection in the UK
PYSS complies with its obligations under the Data Protection Act 1998 relating to the holding of personal data. Where we hold data about you we will only use this for the purposes you have agreed to.
You have the right to request a copy of the personal data we hold on you in return for the payment of a small fee and to require us to correct any inaccuracies in the personal data.

By disclosing your personal information to us using this website or over the telephone you consent to the collection, storage and processing of this by PYSS in the manner set out in the privacy section below.

Disclaimer
PYSS has taken all reasonable steps to ensure that the information contained within the pages of this site is accurate, current and complies with the relevant legislation and regulations, however no warranty is given and no representation is made regarding the accuracy of or completeness of the content of this site.

PYSS has no control over the use to which the information may be put by the user and accordingly shall not be liable for any loss of profits or contracts or any indirect or consequential loss or damage arising out of or in connection with the use of such information. The statutory rights of the customer dealing with PYSS and/or its subsidiary companies as a consumer shall remain unaffected.

You acknowledge that you are solely responsible for the use to which you put this site and all the results and information you obtain from it and that all warranties, conditions, undertakings, representations and terms whether expressed or implied, statutory or otherwise are hereby excluded to the fullest extent permitted by law.

Nothing in these terms and conditions shall exclude, limit or restrict PYSS's duties and liabilities to you under the Financial Services and Markets Act 2000 and any subsequent amending or replacement legislation which regulates its business.

The pages of this site are prepared and issued in the United Kingdom and are intended for the information of United Kingdom residents only.

By accessing these pages you agree to be bound by these terms and conditions. They shall be governed by and interpreted in accordance with the laws of England and Wales and the English courts shall have jurisdiction to resolve any disputes between us.

When you use our website, you agree to us collecting and using information as we have described above.

Invalidity
If any part of our terms and conditions is unenforceable, the enforceability of any other part of the terms and conditions will not be affected.

Links
The links to other sites on the Internet are solely to allow you access to more information on related topics. PYSS does not necessarily own or control such sites and so accepts no responsibility for information contained therein or for the fact that such sites may not be available at all times. Please note that when accessing another site by way of a hypertext link you will leave the PYSS site.

Privacy
PYSS takes the privacy of its customers very seriously and when you visit our site and request information we will store your e-mail address together with any other information you may provide.   When you use our online service we will need to collect information about you to process the transaction and fulfil your order. This information may include, but is not limited to, details such as your name, address, date of birth and your National Insurance Number. When you view our site by linking from another web page we may store the name of that web page for purposes of internal administration.

PYSS may use your personal information to provide you with a personalised service to give you details of offers which we think will be of interest to you.  We disclose your information to third parties only for the purpose of completing your transaction with us, providing services to you and for the purposes of associated administration and obtaining professional advice. We do not sell, rent or trade your personal information to third parties for marketing purposes.

We treat all the information provided by you with the utmost care and security. Any details you give will remain confidential and will only be disclosed where disclosure is made at your request, with your consent or where we are legally obliged to do so.

Security
If you send us an email from your private mailbox, we cannot guarantee the security of the content until we actually receive it. For that reason, please do not send an unsecured email with confidential information such as your National Insurance or bank account numbers from outside our website.

Likewise, if we send an email to your mailbox, for example to reply to an enquiry, we cannot guarantee it will stay private once the email has left us, which means that we do not accept responsibility for the security of emails outside our systems, or accept liability if anything happens to your emails outside our systems.

If you are likely to use your Online Account from a computer which could be used by unauthorised users, to prevent access to your account we recommend that you do not use the save password option, and close your browser when you have completed your session.

We do not currently store your details whilst you are completing online quotes and applications. This means that if you exit your browser before submitting your application electronically (and printing if necessary), the information you have input will be lost.

We do collect personal information from the online application process.

Please note that PYSS will never send emails to you that ask for confidential or security information
If you receive an email claiming to be from PYSS that asks for personal information, do not reply or click on any link in the email.

Instead, contact us directly either by email enquiries@sippsolutions.com or call 01858 419300, between 8.30am to 5.30pm Monday to Friday.

If you are concerned you have may have already disclosed personal or security information please contact us immediately.