Terms and conditions


While every effort is made to ensure that the information contained in this site is correct, Utmost Life and Pensions makes no warranty express or implied as to the nature or accuracy of any such material to the extent permitted by applicable law. Some of the photographs displayed on this site are for example purposes only and do not represent work carried out by Utmost Life and Pensions.

Utmost Life and Pensions may make changes to any content and information contained on this site, at any time without notice. By using this website you assume the risk that the information on this website may be incomplete, inaccurate, out of date or may not meet your requirements. Use of this site constitutes your acceptance of these Terms and Conditions.


The legal ownership and any copyright or other intellectual property rights in the site and its design, text, graphics, software and all other material on the site belong to Utmost Life and Pensions or its agents at all times, unless otherwise stated.

You may only download material or view and/or print a single hard copy for private or non-commercial use and no part of the site or its material shall otherwise be produced, transmitted or made available on a network without the prior written permission of Utmost Life and Pensions.

Your Computer Security

For your own security please do not provide details of your user ID or logon password to anyone else. It is your responsibility to ensure that your own computer is secure and that you maintain up to date computer protection software.


Any framing of or linking to this site is prohibited without the prior written permission of Utmost Life and Pensions. Utmost Life and Pensions is not responsible for the content or reliability of any websites linked to from its site.


Whilst Utmost Life and Pensions endeavours to ensure that this site is normally available 24 hours a day, we shall not be liable if for any reason this site is unavailable at any time or for any period. Access to this site may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond Utmost Life and Pensions's control.


Utmost Life and Pensions shall not be liable for any loss of income, profits, goodwill, data, contracts or any type of special, indirect or consequential loss arising from the use, inability to use or misuse of this site or any linked sites. Utmost Life and Pensions does not warrant that this site or the server that makes it available are free of viruses or other harmful components.


Where views and opinions are expressed they are those of the author, and not necessarily those of Utmost Life and Pensions or the people, institutions and organizations that he or she may or may not be related with, unless stated explicitly.

This information in no way constitutes financial advice.


The contents and use of this site are governed by English Law.