Terms & Conditions

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+ 44 (0)20 8209 9251 or email us

Fairbairn Trust Company Limited is licensed by the Guernsey Financial Services Commission under the Regulation of Fiduciaries, Administration Businesses and Company Directors, etc. (Bailiwick of Guernsey) Law, 2000 to carry out Fiduciary Duties and Company Administration. The registered offices are: Fairbairn House, P O Box 192, Rohais, St Peter Port, Guernsey GY1 3LT.

The Overseas Pension Company Ltd is registered in England No. 06589829. The registered office is 843 Finchley Road, London, NW11 8NA.

The following terms and conditions relate to the use of this Web Site and the information contained in or through the Web Site. By accessing, using or downloading the Web Site or the information you agree to be bound by these terms and conditions, which may change without further notice to you. This Web Site is operated by The Overseas Pension Company Ltd.

This Web Site does not provide financial, investment or tax advice. It is specially designed to provide its users with general information. It does not give individual or specific advice on which products or services are the most appropriate for individual's particular circumstances.

The information provided on products or services on this Web Site does not constitute an offer of sale. To enquire about any of these products or services, contact Fairbairn Trust Company Limited. We strongly recommend that you seek independent financial advice. Fairbairn Trust Company Limited will only accept business that has been introduced by a Professional Adviser.

The Overseas Pension Company Ltd will not accept liability for any losses or damages, whether direct, indirect, special or consequential whether in contract, through negligence or otherwise arising from this Web Site or from any inability, interruption or delay in access to the Web Site or any linked web site for whatever reason.

Use of this Web Site shall be governed exclusively by English law.

Privacy Statement

This privacy statement sets out the privacy practices for The Overseas Pension Company Ltd. This privacy statement does not set out the data collection and processing practices of The Overseas Pension Company Ltd in the course of its business outside of this Web Site. The Overseas Pension Company Ltd has notified the Information Commissioner of its processing obligations as required by the Data Protection Act 1998 and intends fully to comply with the provisions of that Act. For further information on these matters please contact The Overseas Pension Company Ltd or the Office of the Information Commissioner. By using this Web Site you agree to the collection and use of your information in accordance with this privacy statement.

Information collected on this site

When you use this website The Overseas Pension Company Ltd , and any other third parties who host or maintain this site may collect information from any area where you can input information. Information may also be gathered about your Internet address to help understand site usage, to help you log on, use the Web Site and in the selection and provision of Services. Your details may be used in any of the following ways:

to update The Overseas Pension Company Ltd's records and to allow The Overseas Pension Company Ltd to communicate with and contact you;
to enable you to re-access information at your convenience;
to provide statistical information to The Overseas Pension Company Ltd;
to provide the Services you have requested and in providing any enhanced and improved Services;
by The Overseas Pension Company Ltd to notify you of any enhancements or other relevant product information about the overseaspension.com service;

If you do not wish to receive such communications from The Overseas Pension Company Ltd please contact The Overseas Pension Company Ltd using the "Contact Us" facility;

You may at any time decide to stop using The Overseas Pension Company Ltd site in which case you should notify The Overseas Pension Company Ltd by using the "Contact us" facility. If you wish The Overseas Pension Company Ltd to remove any details The Overseas Pension Company Ltd may hold about you, you should e-mail The Overseas Pension Company Ltd asking The Overseas Pension Company Ltd to remove your details from its database.

Cookies

A cookie is a piece of data stored on the user's hard drive containing information about the user. On this Web Site usage of a cookie is in no way linked to any personally identifiable information while on our site. Once the user closes their browser, the cookie simply terminates. If a user rejects the cookie, they may still use our site. The only drawback to this is that the user will be limited in some areas of our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site.

Links

This Web Site may contain links to other sites. If services are provided by third parties, these providers may ask you to directly provide information to them.

Please be aware that The Overseas Pension Company Ltd is not responsible for the privacy practices of those other sites.

We encourage you to be aware when you leave this site to read the privacy statements of each and every web site that you enter to understand how the organisation operating the web site collects and uses personally identifiable information.

Security

Please note that e-mails will not be encrypted or sent in any special form.

If you have any questions about the security of this Web Site, you can send an e-mail to the address set out on the "Contact us" page.

Access to Data

You have the right to receive details of personal data. If you wish to receive such details you must contact The Overseas Pension Company Ltd.

Disclosure

You agree that The Overseas Pension Company Ltd may disclose to any authority to which each are subject or to any person in power to require such information by or under any legal enactment or where a third party has provided to our reasonable satisfaction written confirmation that it genuinely and reasonably believes your use of the site has been defamatory or otherwise unlawful and further that the disclosure of your data is necessary (a) for the purpose of, or in connection with, any legal proceedings (including prospective legal proceedings), or (b) for the purpose of obtaining legal advice, or is otherwise necessary for the purposes of establishing, exercising or defending legal rights. We will not effect such disclosure without notifying you beforehand by e-mail and allowing 4 days to elapse.

Monitoring

The Overseas Pension Company Ltd reserves the right to monitor and intercept communications for lawful business purposes.

Systems personnel who operate and support electronic communications facilities need, from time to time, to monitor transmissions or observe transactional information to ensure proper functioning of the company's facilities and services. On these and other occasions, such personnel might inadvertently become aware of the contents of electronic communications. Except as provided for under Lawful Business Practice Regulations, personnel are not permitted to intentionally examine the contents of transactional information or disclose or otherwise use what they have seen, heard or read. If, however, violations of law or Company policy are discovered, personnel are required to report these to the appropriate officer.